company background image
CRAN

Caja Rural de Ahorro y Crédito Los Andes BVL:CRANDEC1 Stock Report

Last Price

S/1.32

Market Cap

S/97.4m

7D

0%

1Y

0%

Updated

18 May, 2022

Data

Company Financials
CRANDEC1 fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance0/6
Financial Health4/6
Dividends0/6

CRANDEC1 Stock Overview

Caja Rural de Ahorro y Crédito Los Andes S.A.

Caja Rural de Ahorro y Crédito Los Andes Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Caja Rural de Ahorro y Crédito Los Andes
Historical stock prices
Current Share PriceS/1.32
52 Week HighS/0
52 Week LowS/0
Beta0
1 Month Change0%
3 Month Change0%
1 Year Change0%
3 Year Change-0.048%
5 Year Change-0.52%
Change since IPO-0.52%

Recent News & Updates

Shareholder Returns

CRANDEC1PE BanksPE Market
7D0%-5.4%-2.1%
1Y0%-15.1%-2.7%

Return vs Industry: CRANDEC1 exceeded the PE Banks industry which returned -15.1% over the past year.

Return vs Market: CRANDEC1 exceeded the PE Market which returned -2.7% over the past year.

Price Volatility

Is CRANDEC1's price volatile compared to industry and market?
CRANDEC1 volatility
CRANDEC1 Average Weekly Movement0%
Banks Industry Average Movement5.4%
Market Average Movement4.0%
10% most volatile stocks in PE Market8.1%
10% least volatile stocks in PE Market0.9%

Stable Share Price: CRANDEC1 is less volatile than 75% of PE stocks over the past 3 months, typically moving +/- 0% a week.

Volatility Over Time: CRANDEC1's weekly volatility (0%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1996829Javier Grinan C.https://www.cajarurallosandes.com

Caja Rural de Ahorro y Crédito Los Andes S.A. provides various banking products and services. It offers fixed term, CTS, and normal savings products; agricultural, livestock, SME, and personal credit products; relief, multi-risk, life, and vehicle insurance products; and mobile wallet services. The company was founded in 1996 and is based in Puno, Peru.

Caja Rural de Ahorro y Crédito Los Andes Fundamentals Summary

How do Caja Rural de Ahorro y Crédito Los Andes's earnings and revenue compare to its market cap?
CRANDEC1 fundamental statistics
Market CapS/97.44m
Earnings (TTM)-S/9.66m
Revenue (TTM)S/57.75m

1.3x

P/B Ratio

1.7x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CRANDEC1 income statement (TTM)
RevenueS/57.75m
Cost of RevenueS/529.00k
Gross ProfitS/57.22m
Other ExpensesS/66.88m
Earnings-S/9.66m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)-0.13
Gross Margin99.08%
Net Profit Margin-16.74%
Debt/Equity Ratio33.4%

How did CRANDEC1 perform over the long term?

See historical performance and comparison

Valuation

Is Caja Rural de Ahorro y Crédito Los Andes undervalued compared to its fair value and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


1.32x

Price to Book (PB) ratio

Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate CRANDEC1's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate CRANDEC1's fair value for valuation analysis.


Price To Earnings Ratio

PE vs Industry: CRANDEC1 is unprofitable, so we can't compare its PE Ratio to the PE Banks industry average.

PE vs Market: CRANDEC1 is unprofitable, so we can't compare its PE Ratio to the PE market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate CRANDEC1's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: CRANDEC1's PB Ratio (1.3x) is in line with the PE Banks industry average.


Future Growth

How is Caja Rural de Ahorro y Crédito Los Andes forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


9.0%

Forecasted Banks 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 Caja Rural de Ahorro y Crédito Los Andes 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.


Past Performance

How has Caja Rural de Ahorro y Crédito Los Andes performed over the past 5 years?

Past Performance Score

0/6

Past Performance Score 0/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-61.1%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: CRANDEC1 is currently unprofitable.

Growing Profit Margin: CRANDEC1 is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: CRANDEC1 is unprofitable, and losses have increased over the past 5 years at a rate of 61.1% per year.

Accelerating Growth: Unable to compare CRANDEC1's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: CRANDEC1 is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (295.2%).


Return on Equity

High ROE: CRANDEC1 has a negative Return on Equity (-13.14%), as it is currently unprofitable.


Financial Health

How is Caja Rural de Ahorro y Crédito Los Andes's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

4/6

Financial Health Score 4/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: CRANDEC1's Assets to Equity ratio (6.8x) is low.

Allowance for Bad Loans: CRANDEC1 has a low allowance for bad loans (93%).

Low Risk Liabilities: 92% of CRANDEC1's liabilities are made up of primarily low risk sources of funding.

Loan Level: CRANDEC1 has an appropriate level of Loans to Assets ratio (79%).

Low Risk Deposits: CRANDEC1's Loans to Deposits ratio (100%) is appropriate.

Level of Bad Loans: CRANDEC1 has a high level of bad loans (15.5%).


Dividend

What is Caja Rural de Ahorro y Crédito Los Andes's current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage

Dividend Yield vs Market

Notable Dividend: Unable to evaluate CRANDEC1's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate CRANDEC1'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 CRANDEC1's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if CRANDEC1's dividend payments have been increasing.


Current Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of CRANDEC1's dividend in 3 years as they are not forecast to pay a notable one for the PE market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.3yrs

Average board tenure


CEO

Javier Grinan C. (60 yo)

no data

Tenure

Mr. Javier Sanchez Grinan C. serves as General Manager & Director at Caja Rural de Ahorro y Credito Los Andes S.A. since 2020.


Board Members

Experienced Board: CRANDEC1's board of directors are not considered experienced ( 2.3 years average tenure), which suggests a new board.


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Caja Rural de Ahorro y Crédito Los Andes S.A.'s employee growth, exchange listings and data sources


Key Information

  • Name: Caja Rural de Ahorro y Crédito Los Andes S.A.
  • Ticker: CRANDEC1
  • Exchange: BVL
  • Founded: 1996
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: S/97.438m
  • Shares outstanding: 73.82m
  • Website: https://www.cajarurallosandes.com

Number of Employees


Location

  • Caja Rural de Ahorro y Crédito Los Andes S.A.
  • Jr. Junín N° 129
  • Puno
  • Puno
  • Peru

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/18 00:00
End of Day Share Price2022/05/17 00:00
Earnings2021/12/31
Annual Earnings2021/12/31


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.