Reported Earnings • May 20
First quarter 2026 earnings released First quarter 2026 results: Revenue: S/75.4m (down 16% from 1Q 2025). Net loss: S/6.75m (down 344% from profit in 1Q 2025). Over the last 3 years on average, earnings per share has fallen by 37% per year but the company’s share price has increased by 5% per year, which means it is well ahead of earnings. Board Change • May 20
Less than half of directors are independent No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. No experienced directors. 6 highly experienced directors. 1 independent director (5 non-independent directors). Independent Director Francisco Jose Joaquin Garcia Calderon Portugal was the last independent director to join the board, commencing their role in 2003. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. 공시 • Mar 03
Creditex S.A.A., Annual General Meeting, Mar 27, 2026 Creditex S.A.A., Annual General Meeting, Mar 27, 2026, at 10:00 SA Pacific Standard Time. Location: held remotely via zoom, Peru Board Change • Dec 24
Less than half of directors are independent No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. No experienced directors. 6 highly experienced directors. 1 independent director (5 non-independent directors). Independent Director Francisco Jose Joaquin Garcia Calderon Portugal was the last independent director to join the board, commencing their role in 2003. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Board Change • May 22
Less than half of directors are independent No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. No experienced directors. 6 highly experienced directors. 1 independent director (5 non-independent directors). Independent Director Francisco Jose Joaquin Garcia Calderon Portugal was the last independent director to join the board, commencing their role in 2003. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. 공시 • Mar 03
Creditex S.A.A., Annual General Meeting, Mar 28, 2025 Creditex S.A.A., Annual General Meeting, Mar 28, 2025, at 10:00 SA Pacific Standard Time. Location: held remotely, Peru Board Change • Dec 24
Less than half of directors are independent No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. No experienced directors. 6 highly experienced directors. 1 independent director (5 non-independent directors). Independent Director Francisco Jose Joaquin Garcia Calderon Portugal was the last independent director to join the board, commencing their role in 2003. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Reported Earnings • Aug 20
Second quarter 2024 earnings released Second quarter 2024 results: Revenue: S/87.9m (up 17% from 2Q 2023). Net loss: S/4.85m (loss widened 217% from 2Q 2023). Reported Earnings • May 19
First quarter 2024 earnings released First quarter 2024 results: Revenue: S/76.6m (down 18% from 1Q 2023). Net loss: S/4.86m (down 344% from profit in 1Q 2023). Over the last 3 years on average, earnings per share has fallen by 21% per year but the company’s share price has only fallen by 2% per year, which means it has not declined as severely as earnings. New Risk • Oct 21
New major risk - Share price stability The company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Peruvian stocks, typically moving 5.7% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (5.7% average weekly change). Minor Risks Dividend is not well covered by cash flows (dividend per share is over 14x cash flows per share). Profit margins are more than 30% lower than last year (5.6% net profit margin). Market cap is less than US$100m (S/123.0m market cap, or US$31.9m). New Risk • Aug 18
New minor risk - Profit margin trend The company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 5.1% Last year net profit margin: 11% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Minor Risks Paying a dividend despite having no free cash flows. Profit margins are more than 30% lower than last year (5.1% net profit margin). Market cap is less than US$100m (S/121.6m market cap, or US$32.7m). Reported Earnings • Aug 18
Second quarter 2023 earnings released Second quarter 2023 results: Revenue: S/75.5m (down 35% from 2Q 2022). Net loss: S/1.53m (down 111% from profit in 2Q 2022). Over the last 3 years on average, earnings per share has increased by 83% per year but the company’s share price has remained flat, which means it is significantly lagging earnings. Board Change • Nov 16
Less than half of directors are independent No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. No experienced directors. 6 highly experienced directors. 1 independent director (5 non-independent directors). Independent Director Francisco Jose Joaquin Elias Garcia Calderon Portugal was the last independent director to join the board, commencing their role in 2003. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Board Change • Apr 27
Less than half of directors are independent No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. No experienced directors. 6 highly experienced directors. 1 independent director (5 non-independent directors). Independent Director Francisco Jose Joaquin Elias Garcia Calderon Portugal was the last independent director to join the board, commencing their role in 2003. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Upcoming Dividend • Apr 14
Upcoming dividend of S/0.07 per share Eligible shareholders must have bought the stock before 21 April 2022. Payment date: 04 May 2022. The company is not currently making a profit and there are not enough cash flows to support it either. Trailing yield: 8.6%. Lower than top quartile of Peruvian dividend payers (18%). Higher than average of industry peers (2.5%). Reported Earnings • Aug 22
Second quarter 2021 earnings released The company reported a strong second quarter result with improved earnings, revenues and profit margins. Second quarter 2021 results: Revenue: S/74.7m (up 151% from 2Q 2020). Net income: S/8.04m (up S/16.9m from 2Q 2020). Profit margin: 11% (up from net loss in 2Q 2020). The move to profitability was driven by higher revenue. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 124 percentage points per year, which is a significant difference in performance. Upcoming Dividend • Jun 30
Upcoming dividend of S/0.07 per share Eligible shareholders must have bought the stock before 06 July 2021. Payment date: 16 July 2021. Trailing yield: 8.0%. Lower than top quartile of Peruvian dividend payers (16%). Higher than average of industry peers (1.7%). Reported Earnings • Feb 20
Full year 2020 earnings released: S/0.001 loss per share (vs S/0.019 profit in FY 2019) The company reported a poor full year result with weaker earnings, revenues and control over costs. Full year 2020 results: Revenue: S/198.8m (down 28% from FY 2019). Net loss: S/175.0k (down 105% from profit in FY 2019). Over the last 3 years on average, earnings per share has fallen by 83% per year but the company’s share price has increased by 37% per year, which means it is well ahead of earnings. Is New 90 Day High Low • Dec 29
New 90-day high: S/0.92 The company is up 30% from its price of S/0.71 on 30 September 2020. The Peruvian market is up 5.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Luxury industry, which is down 1.0% over the same period. Reported Earnings • Sep 18
First quarter earnings released Over the last 12 months the company has reported total profits of S/1.56m, down 73% from the prior year. Total revenue was S/259.9m over the last 12 months, down 7.9% from the prior year.