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

BOVESPA:MERC4 Stock Report

Market Cap: R$229.1m

Mercantil Financeira - Crédito Financiamento e Investimento Past Earnings Performance

Past criteria checks 3/6

Mercantil Financeira - Crédito Financiamento e Investimento's earnings have been declining at an average annual rate of -20.9%, while the Consumer Finance industry saw earnings growing at 12.6% annually. Revenues have been declining at an average rate of 8.1% per year. Mercantil Financeira - Crédito Financiamento e Investimento's return on equity is 7.6%, and it has net margins of 28.4%.

Key information

-20.9%

Earnings growth rate

-20.9%

EPS growth rate

Consumer Finance Industry Growth9.8%
Revenue growth rate-8.1%
Return on equity7.6%
Net Margin28.4%
Last Earnings Update30 Sep 2024

Recent past performance updates

No updates

Recent updates

No updates

Revenue & Expenses Breakdown

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

Earnings and Revenue History

BOVESPA:MERC4 Revenue, expenses and earnings (BRL Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 246920230
30 Jun 245812200
31 Mar 24447180
31 Dec 23343140
30 Sep 23321130
30 Jun 2335-4150
31 Mar 2341-5190
31 Dec 2241-6220
30 Sep 22417230
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

Quality Earnings: MERC4 has a large one-off loss of R$16.5M impacting its last 12 months of financial results to 30th September, 2024.

Growing Profit Margin: MERC4's current net profit margins (28.4%) are higher than last year (2.7%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: MERC4's earnings have declined by 20.9% per year over the past 5 years.

Accelerating Growth: MERC4's earnings growth over the past year (2176.2%) exceeds its 5-year average (-20.9% per year).

Earnings vs Industry: MERC4 earnings growth over the past year (2176.2%) exceeded the Consumer Finance industry 9.8%.

Return on Equity

High ROE: MERC4's Return on Equity (7.6%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/25 20:01
End of Day Share Price 2024/12/19 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

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. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution