CreditexA Past Earnings Performance

Past criteria checks 1/6

CreditexA's earnings have been declining at an average annual rate of -13.4%, while the Luxury industry saw earnings growing at 19.1% annually. Revenues have been growing at an average rate of 7.7% per year. CreditexA's return on equity is 0.4%, and it has net margins of 0.4%.

Key information

-13.44%

Earnings growth rate

-13.44%

EPS growth rate

Luxury Industry Growth23.58%
Revenue growth rate7.66%
Return on equity0.35%
Net Margin0.38%
Last Earnings Update31 Mar 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How CreditexA makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

BVL:CRETEXI1 Revenue, expenses and earnings (PEN Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 253631410
31 Dec 24349-6410
30 Sep 24334-5400
30 Jun 24318-20390
31 Mar 24307-16400
31 Dec 23325-10400
30 Sep 23358-2410
30 Jun 2338922440
31 Mar 2343037460
31 Dec 2244348460
30 Sep 2243644450
30 Jun 2242448440
31 Mar 2238243420
31 Dec 2134234390
30 Sep 2131432380
30 Jun 2127720340
31 Mar 212323320
31 Dec 20218-2310
30 Sep 20218-8330
30 Jun 20229-11350
31 Mar 202602390
31 Dec 192773400
30 Sep 192707400
30 Jun 192738400
31 Mar 192826390
31 Dec 182677390
30 Sep 182668360
30 Jun 1826410360
31 Mar 182608370
31 Dec 172737370
30 Sep 172720390
30 Jun 17277-1390
31 Mar 172660380
31 Dec 162540380
30 Sep 162609380
30 Jun 1625812380
31 Mar 1626816380
31 Dec 1526916380
30 Sep 1527724360
30 Jun 1527323350
31 Mar 1528124360
31 Dec 1428625360
30 Sep 1428918360

Quality Earnings: CRETEXI1 has a large one-off gain of PEN482.0K impacting its last 12 months of financial results to 31st March, 2025.

Growing Profit Margin: CRETEXI1 became profitable in the past.


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: CRETEXI1's earnings have declined by 13.4% per year over the past 5 years.

Accelerating Growth: CRETEXI1 has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.

Earnings vs Industry: CRETEXI1 has become profitable in the last year, making it difficult to compare its past year earnings growth to the Luxury industry (17.4%).


Return on Equity

High ROE: CRETEXI1's Return on Equity (0.4%) is considered low.


Return on Assets


Return on Capital Employed


Discover strong past performing companies

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/07/23 00:30
End of Day Share Price 2025/07/22 00:00
Earnings2025/03/31
Annual Earnings2024/12/31

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.

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 Github.

Analyst Sources

Creditex S.A.A. 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.