CREAL * Stock Overview
Crédito Real, S.A.B. de C.V., Sociedad Financiera de Objeto Múltiple, Entidad No Regulada, a non- banking institution, provides financial solutions and services in Mexico.
Crédito Real. de Sociedad Financiera de Objeto Múltiple Entidad No Regulada Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||Mex$0.42|
|52 Week High||Mex$17.75|
|52 Week Low||Mex$0.36|
|1 Month Change||-35.09%|
|3 Month Change||-69.78%|
|1 Year Change||-94.09%|
|3 Year Change||-98.20%|
|5 Year Change||-98.53%|
|Change since IPO||-98.02%|
Recent News & Updates
|CREAL *||MX Consumer Finance||MX Market|
Return vs Industry: CREAL * underperformed the MX Consumer Finance industry which returned 0.7% over the past year.
Return vs Market: CREAL * underperformed the MX Market which returned 8.7% over the past year.
|CREAL * volatility|
|CREAL * Average Weekly Movement||33.6%|
|Consumer Finance Industry Average Movement||6.4%|
|Market Average Movement||4.5%|
|10% most volatile stocks in MX Market||8.3%|
|10% least volatile stocks in MX Market||2.6%|
Stable Share Price: CREAL * is more volatile than 90% of MX stocks over the past 3 months, typically moving +/- 34% a week.
Volatility Over Time: CREAL *'s weekly volatility has increased from 21% to 34% over the past year.
About the Company
|1993||657||Carlos Enrique Ochoa Valdes||https://www.creditoreal.com.mx|
Crédito Real, S.A.B. de C.V., Sociedad Financiera de Objeto Múltiple, Entidad No Regulada, a non- banking institution, provides financial solutions and services in Mexico. It offers leasing and payroll services, semi-new and used vehicle loans, and working capital finance for SMEs. The company was incorporated in 1993 and is based in Mexico City, Mexico.
Crédito Real. de Sociedad Financiera de Objeto Múltiple Entidad No Regulada Fundamentals Summary
|CREAL * fundamental statistics|
Is CREAL * overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CREAL * income statement (TTM)|
|Cost of Revenue||Mex$4.48b|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
|Earnings per share (EPS)||0.35|
|Net Profit Margin||2.81%|
How did CREAL * perform over the long term?See historical performance and comparison
Is Crédito Real. de Sociedad Financiera de Objeto Múltiple Entidad No Regulada undervalued compared to its fair value and its price relative to the market?
Valuation Score 5/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CREAL * (MX$0.42) is trading below our estimate of fair value (MX$4.52)
Significantly Below Fair Value: CREAL * is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: CREAL * is good value based on its PE Ratio (1.2x) compared to the MX Consumer Finance industry average (4.2x).
PE vs Market: CREAL * is good value based on its PE Ratio (1.2x) compared to the MX market (11.9x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CREAL *'s PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CREAL * is good value based on its PB Ratio (0x) compared to the MX Consumer Finance industry average (0.6x).
How is Crédito Real. de Sociedad Financiera de Objeto Múltiple Entidad No Regulada forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Crédito Real. de Sociedad Financiera de Objeto Múltiple Entidad No Regulada has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Crédito Real. de Sociedad Financiera de Objeto Múltiple Entidad No Regulada performed over the past 5 years?
Past Performance Score1/6
Past Performance Score 1/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CREAL * has high quality earnings.
Growing Profit Margin: CREAL *'s current net profit margins (2.8%) are lower than last year (16.5%).
Past Earnings Growth Analysis
Earnings Trend: CREAL *'s earnings have declined by 18.8% per year over the past 5 years.
Accelerating Growth: CREAL *'s has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CREAL * had negative earnings growth (-83.2%) over the past year, making it difficult to compare to the Consumer Finance industry average (36%).
Return on Equity
High ROE: CREAL *'s Return on Equity (0.2%) is considered low.
How is Crédito Real. de Sociedad Financiera de Objeto Múltiple Entidad No Regulada's financial position?
Financial Health Score2/6
Financial Health Score 2/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: CREAL *'s short term assets (MX$61.3B) exceed its short term liabilities (MX$8.7B).
Long Term Liabilities: CREAL *'s short term assets (MX$61.3B) exceed its long term liabilities (MX$47.3B).
Debt to Equity History and Analysis
Debt Level: CREAL *'s net debt to equity ratio (283.9%) is considered high.
Reducing Debt: CREAL *'s debt to equity ratio has increased from 265% to 306.3% over the past 5 years.
Debt Coverage: CREAL *'s operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if CREAL *'s interest payments on its debt are well covered by EBIT.
What is Crédito Real. de Sociedad Financiera de Objeto Múltiple Entidad No Regulada current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate CREAL *'s dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate CREAL *'s dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if CREAL *'s dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if CREAL *'s dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: CREAL * is not paying a notable dividend for the MX market.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as CREAL * has not reported any payouts.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Carlos Enrique Ochoa Valdes
Mr. Carlos Enrique Ochoa Valdes serves Chief Financial Officer at Crédito Real, S.A.B. de C.V., Sociedad Financiera de Objeto Múltiple, E.N.R. (formerly known as Crédito Real, S.A.B. de C.V., Sociedad Fina...
Experienced Management: CREAL *'s management team is seasoned and experienced (7.1 years average tenure).
Experienced Board: CREAL *'s board of directors are considered experienced (7.2 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Crédito Real, S.A.B. de C.V., Sociedad Financiera de Objeto Múltiple, Entidad No Regulada's employee growth, exchange listings and data sources
- Name: Crédito Real, S.A.B. de C.V., Sociedad Financiera de Objeto Múltiple, Entidad No Regulada
- Ticker: CREAL *
- Exchange: BMV
- Founded: 1993
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: Mex$149.467m
- Shares outstanding: 358.43m
- Website: https://www.creditoreal.com.mx
Number of Employees
- Crédito Real, S.A.B. de C.V., Sociedad Financiera de Objeto Múltiple, Entidad No Regulada
- Avenida Insurgentes Sur 730
- Piso Veinte
- Mexico City
- Distrito Federal
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/23 00:00|
|End of Day Share Price||2022/05/23 00:00|
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.