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 92.85 billion.

Market Cap	92.85B
Enterprise Value	n/a

Important Dates

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

Earnings Date	Oct 23, 2025
Ex-Dividend Date	Sep 26, 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 172.01.

PE Ratio	172.01
Forward PE	n/a
PS Ratio	33.40
PB Ratio	9.30
P/TBV Ratio	9.30
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	-0.35
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.11%.

Return on Equity (ROE)	7.11%
Return on Assets (ROA)	1.61%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	935,673
Profits Per Employee	181,697
Employee Count	3,211
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CCSE:BNC has paid 84.99 million in taxes.

Income Tax	84.99M
Effective Tax Rate	13.60%

Stock Price Statistics

The stock price has decreased by -61.08% in the last 52 weeks. The beta is -46.30, so CCSE:BNC's price volatility has been lower than the market average.

Beta (5Y)	-46.30
52-Week Price Change	-61.08%
50-Day Moving Average	234.14
200-Day Moving Average	316.04
Relative Strength Index (RSI)	75.15
Average Volume (20 Days)	79,954

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 2.78 billion and earned 539.82 million in profits.

Revenue	2.78B
Gross Profit	2.78B
Operating Income	545.85M
Pretax Income	624.82M
Net Income	539.82M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	n/a

Balance Sheet

The company has 13.99 billion in cash and 1.19 billion in debt, giving a net cash position of 12.80 billion or 49.64 per share.

Cash & Cash Equivalents	13.99B
Total Debt	1.19B
Net Cash	12.80B
Net Cash Per Share	49.64
Equity (Book Value)	9.98B
Book Value Per Share	n/a
Working Capital	-13.37B

Cash Flow

In the last 12 months, operating cash flow was -3.18 billion and capital expenditures -250.07 million, giving a free cash flow of -3.43 billion.

Operating Cash Flow	-3.18B
Capital Expenditures	-250.07M
Free Cash Flow	-3.43B
FCF Per Share	-13.31

Margins

Gross Margin	n/a
Operating Margin	19.64%
Pretax Margin	22.48%
Profit Margin	19.42%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 4.00, which amounts to a dividend yield of 1.11%.

Dividend Per Share	4.00
Dividend Yield	1.11%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	2
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	1.11%
Earnings Yield	0.58%
FCF Yield	-3.70%

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	2