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5-day change | 1st Jan Change | ||
0.84 PEN | 0.00% | 0.00% | 0.00% |
03-01 | Creditex S.A.A. Reports Earnings Results for the Full Year Ended December 31, 2023 | CI |
03-01 | Creditex S.A.A. Reports Earnings Results for the Fourth Quarter Ended December 31, 2023 | CI |
Valuation
Fiscal Period: December | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
---|---|---|---|---|---|---|
Capitalization 1 | 150.6 | 145 | 135.5 | 125.5 | 176.6 | 135 |
Enterprise Value (EV) 1 | 184.3 | 204.3 | 216.4 | 147.6 | 201.1 | 203.3 |
P/E ratio | 8.55 x | 14.7 x | 41.7 x | -92 x | 4.14 x | 2.65 x |
Yield | 19.4% | - | 8.97% | - | 8.64% | 9.46% |
Capitalization / Revenue | 0.55 x | 0.54 x | 0.49 x | 0.58 x | 0.52 x | 0.3 x |
EV / Revenue | 0.67 x | 0.76 x | 0.78 x | 0.68 x | 0.59 x | 0.46 x |
EV / EBITDA | 9.11 x | 9.71 x | 20.6 x | 12.2 x | 3.93 x | 2.67 x |
EV / FCF | 32.2 x | -20 x | -7.72 x | 2.27 x | 59.2 x | -7.72 x |
FCF Yield | 3.11% | -5% | -13% | 44% | 1.69% | -13% |
Price to Book | 0.17 x | 0.28 x | 0.37 x | 0.45 x | 0.37 x | 0.3 x |
Nbr of stocks (in thousands) | 173,670 | 173,670 | 173,670 | 173,670 | 173,671 | 173,670 |
Reference price 2 | 0.3600 | 0.6000 | 0.7800 | 0.9200 | 0.8100 | 0.7400 |
Announcement Date | 30/04/18 | 30/04/19 | 26/08/20 | 30/04/21 | 24/03/22 | 29/04/23 |
Income Statement Evolution (Annual data)
Fiscal Period: December | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
---|---|---|---|---|---|---|
Net sales 1 | 273 | 267.5 | 277 | 217.6 | 342 | 443.4 |
EBITDA 1 | 20.22 | 21.04 | 10.49 | 12.07 | 51.17 | 76.06 |
EBIT 1 | 9.138 | 9.904 | -1.01 | 0.326 | 39.78 | 64.58 |
Operating Margin | 3.35% | 3.7% | -0.36% | 0.15% | 11.63% | 14.57% |
Earnings before Tax (EBT) 1 | 9.127 | 10.17 | 4.626 | -2.792 | 44.16 | 61.62 |
Net income 1 | 7.311 | 7.075 | 3.248 | -1.736 | 33.96 | 48.42 |
Net margin | 2.68% | 2.64% | 1.17% | -0.8% | 9.93% | 10.92% |
EPS 2 | 0.0421 | 0.0407 | 0.0187 | -0.009995 | 0.1955 | 0.2788 |
Free Cash Flow 1 | 5.729 | -10.22 | -28.05 | 65.02 | 3.396 | -26.35 |
FCF margin | 2.1% | -3.82% | -10.13% | 29.88% | 0.99% | -5.94% |
FCF Conversion (EBITDA) | 28.34% | - | - | 538.61% | 6.64% | - |
FCF Conversion (Net income) | 78.36% | - | - | - | 10% | - |
Dividend per Share 2 | 0.0700 | - | 0.0700 | - | 0.0700 | 0.0700 |
Announcement Date | 30/04/18 | 30/04/19 | 26/08/20 | 30/04/21 | 24/03/22 | 29/04/23 |
Balance Sheet Analysis
Fiscal Period: December | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
---|---|---|---|---|---|---|
Net Debt 1 | 33.6 | 59.3 | 80.9 | 22.1 | 24.5 | 68.3 |
Net Cash position 1 | - | - | - | - | - | - |
Leverage (Debt/EBITDA) | 1.663 x | 2.821 x | 7.716 x | 1.833 x | 0.4792 x | 0.8977 x |
Free Cash Flow 1 | 5.73 | -10.2 | -28 | 65 | 3.4 | -26.3 |
ROE (net income / shareholders' equity) | 1.94% | 1.89% | 0.88% | -0.48% | 9.21% | 12% |
ROA (Net income/ Total Assets) | 1.17% | 1.24% | -0.12% | 0.04% | 5.05% | 7.11% |
Assets 1 | 623.6 | 571.5 | -2,691 | -4,276 | 672.6 | 681.2 |
Book Value Per Share 2 | 2.160 | 2.140 | 2.100 | 2.030 | 2.210 | 2.430 |
Cash Flow per Share 2 | 0.0300 | 0.0300 | 0.0500 | 0.0700 | 0.0700 | 0.0500 |
Capex 1 | 1.37 | 12.2 | 1.88 | 1.2 | 3.34 | 4.39 |
Capex / Sales | 0.5% | 4.54% | 0.68% | 0.55% | 0.98% | 0.99% |
Announcement Date | 30/04/18 | 30/04/19 | 26/08/20 | 30/04/21 | 24/03/22 | 29/04/23 |
EPS & Dividend
Year-on-year evolution of the PER
Change in Enterprise Value/EBITDA
1st Jan change | Capi. | |
---|---|---|
0.00% | 32.93M | |
-15.90% | 352M | |
+18.52% | 287M | |
-54.27% | 225M | |
+113.68% | 118M | |
+99.02% | 103M | |
-6.30% | 94.03M | |
-32.03% | 92.51M | |
+39.52% | 85.91M | |
-75.45% | 83.83M |
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