Financials Credifamilia Compañía de Financiamiento S.A.

Equities

CREDIFAMI

COJ0WPA00014

Consumer Lending

End-of-day quote Bolsa De Valores De Colombia 03:30:00 14/06/2024 am IST 5-day change 1st Jan Change
2,500 COP 0.00% Intraday chart for Credifamilia Compañía de Financiamiento S.A. 0.00% 0.00%

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023
Capitalization 1 47,421 90,153 90,117 90,117 90,153
Enterprise Value (EV) 1 3,83,862 4,50,271 4,37,607 4,12,423 4,73,311
P/E ratio 5.46 x 9.01 x 5.49 x 3.25 x 5.29 x
Yield - - 8.2% 13.8% 8.51%
Capitalization / Revenue 1.26 x 2.76 x 1.74 x 0.98 x 1.15 x
EV / Revenue 10.2 x 13.8 x 8.46 x 4.5 x 6.04 x
EV / EBITDA - - - - -
EV / FCF - - - - -
FCF Yield - - - - -
Price to Book 0.9 x 1.44 x 1.21 x 0.95 x 0.91 x
Nbr of stocks (in thousands) 36,061 36,061 36,061 36,061 36,061
Reference price 2 1,315 2,500 2,499 2,499 2,500
Announcement Date 27/03/20 31/03/21 30/03/22 30/03/23 29/02/24
1COP in Million2COP
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 27,731 37,537 32,613 51,702 91,555 78,393
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 4,666 8,681 10,009 16,417 27,721 20,293
Net income 1 4,666 8,681 10,009 16,417 27,721 17,052
Net margin 16.83% 23.13% 30.69% 31.75% 30.28% 21.75%
EPS 2 129.4 240.7 277.5 455.3 768.7 472.8
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - 204.9 346.0 212.8
Announcement Date 29/03/19 27/03/20 31/03/21 30/03/22 30/03/23 29/02/24
1COP in Million2COP
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 2,64,772 3,36,441 3,60,118 3,47,490 3,22,306 3,83,158
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 10.5% 17.5% 17.3% 23.9% 32.7% 17.5%
ROA (Net income/ Total Assets) 1.43% 2.17% 2.13% 3.06% 4.48% 2.37%
Assets 1 3,26,541 3,99,696 4,70,707 5,36,989 6,18,589 7,19,959
Book Value Per Share 2 1,281 1,464 1,741 2,071 2,635 2,762
Cash Flow per Share 2 603.0 419.0 681.0 1,024 1,723 1,731
Capex 1 106 614 - 468 84.6 257
Capex / Sales 0.38% 1.64% - 0.91% 0.09% 0.33%
Announcement Date 29/03/19 27/03/20 31/03/21 30/03/22 30/03/23 29/02/24
1COP in Million2COP
Estimates
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