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

Venezuela · Delayed Price · Currency is VES

450.00

+10.00 (2.27%)

At close: Jul 23, 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	Jun '26 Jun 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	113,225	35,315	2,780	3,797	801.91	95.75
Revenue Growth	3372.06%	1170.36%	-26.78%	373.45%	737.50%	885.45%
Net Income	56,901	17,973	539.82	1,109	253.83	20.69
Earnings Per Share	-	7.74	-	1.43	1.46	0.12
EPS Growth	-	-	-	-1.91%	1126.54%	583.03%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	538,803	69,887	13,995	8,676	4,836	960.21
Total Debt	11,535	2,912	1,191	634.88	19.31	22.65
Net Cash (Debt)	527,268	66,975	12,804	8,042	4,816	937.56
Net Cash Growth	4018.14%	423.10%	59.22%	66.96%	413.72%	685.05%
Net Cash Per Share	-	28.85	-	10.39	27.72	5.40

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	Jun '26 Jun 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	50.25%	50.89%	19.42%	29.20%	31.65%	21.61%
FCF Margin	-	94.70%	-123.46%	37.41%	-214.24%	-122.30%