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

CCSE:BNC Statistics

Total Valuation

CCSE:BNC has a market cap or net worth of VES 59.32 billion.

Market Cap	59.32B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Thursday, October 23, 2025.

Earnings Date	Oct 23, 2025
Ex-Dividend Date	Apr 22, 2025

Share Statistics

CCSE:BNC has 257.92 million shares outstanding.

Current Share Class	257.92M
Shares Outstanding	257.92M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	40.54%
Owned by Institutions (%)	n/a
Float	31.57M

Valuation Ratios

The trailing PE ratio is 93.57.

PE Ratio	93.57
Forward PE	n/a
PS Ratio	15.85
PB Ratio	10.67
P/TBV Ratio	10.67
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-1.92
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 13.07%.

Return on Equity (ROE)	13.07%
Return on Assets (ROA)	2.88%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	1.26M
Profits Per Employee	213,387
Employee Count	3,211
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CCSE:BNC has paid 74.20 million in taxes.

Income Tax	74.20M
Effective Tax Rate	10.48%

Stock Price Statistics

The stock price has decreased by -75.14% in the last 52 weeks. The beta is -46.63, so CCSE:BNC's price volatility has been lower than the market average.

Beta (5Y)	-46.63
52-Week Price Change	-75.14%
50-Day Moving Average	175.61
200-Day Moving Average	503.71
Relative Strength Index (RSI)	55.21
Average Volume (20 Days)	74,096

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, CCSE:BNC had revenue of VES 3.74 billion and earned 633.97 million in profits. Earnings per share was 2.46.

Revenue	3.74B
Gross Profit	3.53B
Operating Income	453.39M
Pretax Income	708.17M
Net Income	633.97M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	2.46

Balance Sheet

The company has 8.40 billion in cash and 1.53 billion in debt, giving a net cash position of 6.87 billion or 26.63 per share.

Cash & Cash Equivalents	8.40B
Total Debt	1.53B
Net Cash	6.87B
Net Cash Per Share	26.63
Equity (Book Value)	5.56B
Book Value Per Share	21.55
Working Capital	-8.79B

Cash Flow

In the last 12 months, operating cash flow was -383.04 million and capital expenditures -410.47 million, giving a free cash flow of -793.52 million.

Operating Cash Flow	-383.04M
Capital Expenditures	-410.47M
Free Cash Flow	-793.52M
FCF Per Share	-3.08

Margins

Gross Margin	n/a
Operating Margin	12.12%
Pretax Margin	18.92%
Profit Margin	16.94%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 1.08, which amounts to a dividend yield of 0.47%.

Dividend Per Share	1.08
Dividend Yield	0.47%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	2
Payout Ratio	n/a
Buyback Yield	-345.31%
Shareholder Yield	-344.84%
Earnings Yield	1.07%
FCF Yield	-1.34%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on January 16, 2025. It was a reverse split with a ratio of 0.001.

Last Split Date	Jan 16, 2025
Split Type	Reverse
Split Ratio	0.001

Scores

Altman Z-Score	n/a
Piotroski F-Score	2