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FPRO

Financiera ProEmpresa BVL:FPROEMC1 Stock Report

Last Price

S/15.91

Market Cap

S/117.0m

7D

0%

1Y

0%

Updated

18 May, 2022

Data

Company Financials
FPROEMC1 fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance0/6
Financial Health4/6
Dividends0/6

FPROEMC1 Stock Overview

Financiera ProEmpresa S.A. provides various financial products and services to micro and small enterprises in Peru.

Financiera ProEmpresa Competitors

 

 

 

 

 

 

 

 

 

 

 

 

Price History & Performance

Summary of all time highs, changes and price drops for Financiera ProEmpresa
Historical stock prices
Current Share PriceS/15.91
52 Week HighS/0
52 Week LowS/0
Beta0.071
1 Month Change0%
3 Month Change0%
1 Year Change0%
3 Year Change71.77%
5 Year Change56.95%
Change since IPO22.76%

Recent News & Updates

Shareholder Returns

FPROEMC1PE BanksPE Market
7D0%-5.4%-2.1%
1Y0%-15.1%-2.7%

Return vs Industry: FPROEMC1 exceeded the PE Banks industry which returned -15.1% over the past year.

Return vs Market: FPROEMC1 exceeded the PE Market which returned -2.7% over the past year.

Price Volatility

Is FPROEMC1's price volatile compared to industry and market?
FPROEMC1 volatility
FPROEMC1 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: FPROEMC1 is less volatile than 75% of PE stocks over the past 3 months, typically moving +/- 0% a week.

Volatility Over Time: FPROEMC1's weekly volatility (0%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1997825Juan Morehttps://www.proempresa.com.pe

Financiera ProEmpresa S.A. provides various financial products and services to micro and small enterprises in Peru. It accepts child, women, salary, scheduled, and simple saving accounts; and fixed deposits. The company also offers credit services for capital, fixed assets, businesses, and livestock sectors, as well as home loans and consumer credits.

Financiera ProEmpresa Fundamentals Summary

How do Financiera ProEmpresa's earnings and revenue compare to its market cap?
FPROEMC1 fundamental statistics
Market CapS/116.99m
Earnings (TTM)-S/1.64m
Revenue (TTM)S/63.19m

1.4x

P/B Ratio

1.9x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
FPROEMC1 income statement (TTM)
RevenueS/63.19m
Cost of RevenueS/0
Gross ProfitS/63.19m
Other ExpensesS/64.83m
Earnings-S/1.64m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)-0.22
Gross Margin100.00%
Net Profit Margin-2.60%
Debt/Equity Ratio117.0%

How did FPROEMC1 perform over the long term?

See historical performance and comparison

Valuation

Is Financiera ProEmpresa 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


1.41x

Price to Book (PB) ratio

Share Price vs. Fair Value

Below Fair Value: FPROEMC1 (PEN15.91) is trading above our estimate of fair value (PEN8.04)

Significantly Below Fair Value: FPROEMC1 is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: FPROEMC1 is unprofitable, so we can't compare its PE Ratio to the PE Banks industry average.

PE vs Market: FPROEMC1 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 FPROEMC1's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: FPROEMC1's PB Ratio (1.4x) is in line with the PE Banks industry average.


Future Growth

How is Financiera ProEmpresa 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 Financiera ProEmpresa 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 Financiera ProEmpresa 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


-15.2%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: FPROEMC1 is currently unprofitable.

Growing Profit Margin: FPROEMC1 is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: FPROEMC1 is unprofitable, and losses have increased over the past 5 years at a rate of 15.2% per year.

Accelerating Growth: Unable to compare FPROEMC1's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: FPROEMC1 is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (295.2%).


Return on Equity

High ROE: FPROEMC1 has a negative Return on Equity (-1.97%), as it is currently unprofitable.


Financial Health

How is Financiera ProEmpresa'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: FPROEMC1's Assets to Equity ratio (8.5x) is low.

Allowance for Bad Loans: FPROEMC1 has a low allowance for bad loans (73%).

Low Risk Liabilities: 83% of FPROEMC1's liabilities are made up of primarily low risk sources of funding.

Loan Level: FPROEMC1 has an appropriate level of Loans to Assets ratio (78%).

Low Risk Deposits: FPROEMC1's Loans to Deposits ratio (105%) is appropriate.

Level of Bad Loans: FPROEMC1 has a high level of bad loans (11.9%).


Dividend

What is Financiera ProEmpresa 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 FPROEMC1's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate FPROEMC1'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 FPROEMC1's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if FPROEMC1'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 FPROEMC1'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?

4.0yrs

Average management tenure


CEO

Juan More

1.33yrs

Tenure

Mr. Juan More More has been General Manager of Financiera ProEmpresa S.A. since January 1, 2021.


Leadership Team

Experienced Management: FPROEMC1's management team is considered experienced (4 years average tenure).


Board Members

Experienced Board: FPROEMC1's board of directors are considered experienced (4.2 years average tenure).


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

Financiera ProEmpresa S.A.'s employee growth, exchange listings and data sources


Key Information

  • Name: Financiera ProEmpresa S.A.
  • Ticker: FPROEMC1
  • Exchange: BVL
  • Founded: 1997
  • Industry: Diversified Banks
  • Sector: Banks
  • Implied Market Cap: S/116.990m
  • Shares outstanding: 7.35m
  • Website: https://www.proempresa.com.pe

Number of Employees


Location

  • Financiera ProEmpresa S.A.
  • Av. Aviation 2431
  • San Borja
  • Lima
  • Lima
  • 41
  • 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.