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BVMFMERC4
Market cap11mUSD
Dec 19, Last price  
9.40BRL
1D
3.30%
IPO
4.44%
Name

Creditaqui Financeira SA - Credito Financiamento e Investimento

Chart & Performance

D1W1MN
BVMF:MERC4 chart
P/E
26.59
P/S
2.19
EPS
0.35
Div Yield, %
4.41%
Shrs. gr., 5y
—
Rev. gr., 5y
-25.07%
Revenues
34m
-33.71%
34,186,00053,313,00066,618,00038,341,00063,186,000138,685,000150,468,000196,476,000142,162,000244,929,000142,117,00086,529,00053,507,00049,970,00050,630,00033,563,000
Net income
3m
P
7,054,0004,550,00025,107,0009,161,00016,788,00020,514,0001,776,000-12,605,000635,00031,279,00025,280,00017,991,0008,755,00013,210,000-5,844,0002,768,000
CFO
32m
P
8,464,000-4,080,0006,663,00013,688,0003,178,00024,617,000-54,618,000-6,951,000-10,992,0008,453,00015,615,00091,904,000-79,070,000-30,950,000-2,658,00032,174,000
Dividend
Jan 31, 20240.52941 BRL/sh

Profile

Mercantil do Brasil Financeira S.A. provides direct consumer credit and payroll credit services in Brazil. The company was founded in 1943 and is based in Belo Horizonte, Brazil. Mercantil do Brasil Financeira S.A. is a subsidiary of Banco Mercantil do Brasil S.A.
URL
https://mercantildobrasil.com.br/
IPO date
Jan 28, 2008
Employees
Domiciled in
BR
Incorporated in
BR

Valuation

Title
BRL in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑122014‑12
Income
Revenues
33,563
-33.71%
50,630
1.32%
49,970
-6.61%
Cost of revenue
1,487
14,138
12,955
Unusual Expense (Income)
NOPBT
32,076
36,492
37,015
NOPBT Margin
95.57%
72.08%
74.07%
Operating Taxes
(556)
(2,612)
(5,042)
Tax Rate
NOPAT
32,632
39,104
42,057
Net income
2,768
-147.36%
(5,844)
-144.24%
13,210
50.89%
Dividends
(3,244)
(3,444)
(3,941)
Dividend yield
2.61%
Proceeds from repurchase of equity
BB yield
Debt
Debt current
Long-term debt
Deferred revenue
Other long-term liabilities
33,571
39,764
35,711
Net debt
(38,020)
(8,864)
(26,477)
Cash flow
Cash from operating activities
32,174
(2,658)
(30,950)
CAPEX
(11,016)
10,457
Cash from investing activities
(645)
6,646
Cash from financing activities
(17,976)
(3,444)
(3,941)
FCF
47,187
43,738
48,807
Balance
Cash
20,483
1,198
11,816
Long term investments
17,537
7,666
14,661
Excess cash
36,342
6,332
23,978
Stockholders' equity
76,380
135,106
126,103
Invested Capital
239,424
284,382
275,094
ROIC
12.46%
13.98%
15.96%
ROCE
11.63%
12.55%
12.38%
EV
Common stock shares outstanding
18,010
18,010
18,010
Price
7.34
 
Market cap
132,193
 
EV
182,088
EBITDA
32,076
36,492
37,015
EV/EBITDA
4.99
Interest
566
4,587
1,479
Interest/NOPBT
1.76%
12.57%
4.00%