Creditaqui Financeira - Crédito Financiamento e Investimento Balance Sheet Health
Financial Health criteria checks 2/6
Creditaqui Financeira - Crédito Financiamento e Investimento has total assets of R$275.4M and total equity of R$248.7M. Total deposits are R$11.3M, and total loans are R$199.9M.
Key information
1.1x
Asset to equity ratio
n/a
Net interest margin
| Total deposits | R$11.33m |
| Loan to deposit ratio | High |
| Bad loans | 15.7% |
| Allowance for bad loans | Low |
| Current ratio | Good |
| Cash & equivalents | R$21.14m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: MERC3's Assets to Equity ratio (1.1x) is low.
Allowance for Bad Loans: MERC3 has a low allowance for bad loans (46%).
Low Risk Liabilities: 58% of MERC3's liabilities are made up of primarily higher risk sources of funding.
Loan Level: MERC3 has an appropriate level of Loans to Assets ratio (73%).
Low Risk Deposits: MERC3's Loans to Deposits ratio (1764%) is high.
Level of Bad Loans: MERC3 has a high level of bad loans (15.7%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2023/09/24 07:35 |
| End of Day Share Price | 2023/06/27 00:00 |
| Earnings | 2023/06/30 |
| Annual Earnings | 2022/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Mercantil Financeira S.A. - Crédito, Financiamento e Investimento is covered by 0 analysts. of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
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