Mercantil Financeira S.A. - Crédito, Financiamento e Investimento

BOVESPA:MERC3 Stock Report

Market Cap: R$217.2m

Creditaqui Financeira - Crédito Financiamento e Investimento Past Earnings Performance

Past criteria checks 0/6

Creditaqui Financeira - Crédito Financiamento e Investimento's earnings have been declining at an average annual rate of -43.4%, while the Consumer Finance industry saw earnings growing at 8.6% annually. Revenues have been declining at an average rate of 32.9% per year.

Key information

-43.4%

Earnings growth rate

-43.4%

EPS growth rate

Consumer Finance Industry Growth9.8%
Revenue growth rate-32.9%
Return on equity-1.4%
Net Margin-10.4%
Last Earnings Update30 Jun 2023

Recent past performance updates

No updates

Recent updates

Revenue & Expenses Breakdown

How Creditaqui Financeira - Crédito Financiamento e Investimento makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

BOVESPA:MERC3 Revenue, expenses and earnings (BRL Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Jun 2335-4150
31 Mar 2341-5190
31 Dec 2241-6220
30 Sep 22417240
30 Jun 224011240
31 Mar 223711240
31 Dec 213813220
30 Sep 21393210
30 Jun 21415220
31 Mar 21439210
31 Dec 20459230
30 Sep 204610260
30 Jun 205111270
31 Mar 205110290
31 Dec 197518390
30 Sep 199525480
30 Jun 199926500
31 Mar 1912230640
31 Dec 1812025690
30 Sep 1812017840
30 Jun 18179271220
31 Mar 18212311480
31 Dec 17223311580
30 Sep 17227331540
30 Jun 17176181300
31 Mar 1713381060
31 Dec 161091950
30 Sep 1691-6900
30 Jun 1688-10980
31 Mar 16110-71130
31 Dec 15145-131550
30 Sep 15155-101600
30 Jun 15156-81530
31 Mar 15136-71370
31 Dec 141072960
30 Sep 141065930
30 Jun 1410911900
31 Mar 1411315880
31 Dec 1311321810
30 Sep 1310626640
30 Jun 138925490
31 Mar 137021350
31 Dec 125117230
30 Sep 123813170

Quality Earnings: MERC3 is currently unprofitable.

Growing Profit Margin: MERC3 is currently unprofitable.


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: MERC3 is unprofitable, and losses have increased over the past 5 years at a rate of 43.4% per year.

Accelerating Growth: Unable to compare MERC3's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: MERC3 is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-11.1%).


Return on Equity

High ROE: MERC3 has a negative Return on Equity (-1.45%), as it is currently unprofitable.


Return on Assets


Return on Capital Employed


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