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 430.21 billion.

Market Cap	430.21B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Wednesday, March 25, 2026.

Earnings Date	Mar 25, 2026
Ex-Dividend Date	Oct 15, 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 (%)	n/a
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

The trailing PE ratio is 23.94.

PE Ratio	23.94
Forward PE	n/a
PS Ratio	12.18
PB Ratio	5.49
P/TBV Ratio	5.49
P/FCF Ratio	12.86
P/OCF Ratio	12.66
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	0.08
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 40.68%.

Return on Equity (ROE)	40.68%
Return on Assets (ROA)	12.03%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	-251.15%
Revenue Per Employee	11.89M
Profits Per Employee	6.05M
Employee Count	2,739
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CCSE:BNC has paid 4.33 billion in taxes.

Income Tax	4.33B
Effective Tax Rate	19.42%

Stock Price Statistics

The stock price has increased by +3,471.43% in the last 52 weeks. The beta is -46.71, so CCSE:BNC's price volatility has been lower than the market average.

Beta (5Y)	-46.71
52-Week Price Change	+3,471.43%
50-Day Moving Average	1,446.16
200-Day Moving Average	563.78
Relative Strength Index (RSI)	49.26
Average Volume (20 Days)	155,720

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 35.31 billion and earned 17.97 billion in profits.

Revenue	35.31B
Gross Profit	35.31B
Operating Income	21.17B
Pretax Income	22.31B
Net Income	17.97B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	n/a

Balance Sheet

The company has 69.89 billion in cash and 2.62 billion in debt, with a net cash position of 67.27 billion or 260.80 per share.

Cash & Cash Equivalents	69.89B
Total Debt	2.62B
Net Cash	67.27B
Net Cash Per Share	260.80
Equity (Book Value)	78.37B
Book Value Per Share	n/a
Working Capital	-44.04B

Cash Flow

In the last 12 months, operating cash flow was 33.97 billion and capital expenditures -526.20 million, giving a free cash flow of 33.44 billion.

Operating Cash Flow	33.97B
Capital Expenditures	-526.20M
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	33.44B
FCF Per Share	129.66

Margins

Gross Margin	n/a
Operating Margin	59.94%
Pretax Margin	63.16%
Profit Margin	50.89%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	94.70%

Dividends & Yields

This stock pays an annual dividend of 6.24, which amounts to a dividend yield of 0.36%.

Dividend Per Share	6.24
Dividend Yield	0.36%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	3
Payout Ratio	2.87%
Buyback Yield	n/a
Shareholder Yield	0.33%
Earnings Yield	4.18%
FCF Yield	7.77%

Fair Value

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

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

Stock Splits

The last stock split was on January 16, 2025. It was a reverse split with a ratio of 0.002.

Last Split Date	Jan 16, 2025
Split Type	Reverse
Split Ratio	0.002

Scores

Altman Z-Score	n/a
Piotroski F-Score	4