Banco Nacional de Crédito, C.A., Banco Universal (CCSE:BNC)

Venezuela · Delayed Price · Currency is VES

269.00

+16.51 (6.54%)

At close: Oct 19, 2026

CCSE:BNC Financials Overview

Financials in millions VES. Fiscal year is January - December.

Millions VES. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	189,207	35,315	2,780	3,797	801.91	95.75
Revenue Growth	6706.28%	1170.36%	-26.78%	373.45%	737.50%	885.45%
Net Income	94,540	17,973	539.82	1,109	253.83	20.69
Earnings Per Share	36.63	0.70	-	0.43	0.44	0.04
EPS Growth	-	-	-	-1.91%	1126.56%	583.00%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	451,397	69,887	13,995	8,676	4,836	960.21
Total Debt	13,102	2,912	1,191	634.88	19.31	22.65
Net Cash (Debt)	438,295	66,975	12,804	8,042	4,816	937.56
Net Cash Growth	3323.23%	423.10%	59.22%	66.96%	413.72%	685.05%
Net Cash Per Share	169.83	2.59	-	3.12	8.31	1.62

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-	33,969	-3,182	1,787	-1,129	-76.33
Capital Expenditures	-	-526.2	-250.07	-367	-588.53	-40.77
Free Cash Flow	-	33,443	-3,432	1,420	-1,718	-117.1
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	49.97%	50.89%	19.42%	29.20%	31.65%	21.61%
FCF Margin	-	94.70%	-123.46%	37.41%	-214.24%	-122.30%