Creditex Statistics

Total Valuation

Creditex has a market cap or net worth of PEN 148.73 million. The enterprise value is 230.29 million.

Market Cap	148.73M
Enterprise Value	230.29M

Important Dates

The last earnings date was Friday, November 14, 2025.

Earnings Date	Nov 14, 2025
Ex-Dividend Date	n/a

Share Statistics

Creditex has 173.67 million shares outstanding.

Current Share Class	10.48M
Shares Outstanding	173.67M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

The trailing PE ratio is 13.41.

PE Ratio	13.41
Forward PE	n/a
PS Ratio	0.43
PB Ratio	0.37
P/TBV Ratio	0.37
P/FCF Ratio	47.26
P/OCF Ratio	19.90
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 9.63, with an EV/FCF ratio of 73.18.

EV / Earnings	22.22
EV / Sales	0.67
EV / EBITDA	9.63
EV / EBIT	16.79
EV / FCF	73.18

Financial Position

The company has a current ratio of 2.64, with a Debt / Equity ratio of 0.22.

Current Ratio	2.64
Quick Ratio	0.69
Debt / Equity	0.22
Debt / EBITDA	3.63
Debt / FCF	27.60
Interest Coverage	3.41

Financial Efficiency

Return on equity (ROE) is 2.63% and return on invested capital (ROIC) is 1.80%.

Return on Equity (ROE)	2.63%
Return on Assets (ROA)	1.54%
Return on Invested Capital (ROIC)	1.80%
Return on Capital Employed (ROCE)	3.05%
Revenue Per Employee	147,025
Profits Per Employee	4,447
Employee Count	2,419
Asset Turnover	0.62
Inventory Turnover	1.39

Taxes

In the past 12 months, Creditex has paid 3.07 million in taxes.

Income Tax	3.07M
Effective Tax Rate	22.87%

Stock Price Statistics

The stock price has decreased by -1.23% in the last 52 weeks. The beta is 0.22, so Creditex's price volatility has been lower than the market average.

Beta (5Y)	0.22
52-Week Price Change	-1.23%
50-Day Moving Average	0.80
200-Day Moving Average	0.80
Relative Strength Index (RSI)	0.00
Average Volume (20 Days)	n/a

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, Creditex had revenue of PEN 342.57 million and earned 10.36 million in profits. Earnings per share was 0.06.

Revenue	342.57M
Gross Profit	51.63M
Operating Income	13.72M
Pretax Income	13.43M
Net Income	10.36M
EBITDA	22.71M
EBIT	13.72M
Earnings Per Share (EPS)	0.06

Full Income Statement

Balance Sheet

The company has 5.31 million in cash and 86.87 million in debt, giving a net cash position of -81.56 million or -0.47 per share.

Cash & Cash Equivalents	5.31M
Total Debt	86.87M
Net Cash	-81.56M
Net Cash Per Share	-0.47
Equity (Book Value)	399.37M
Book Value Per Share	2.30
Working Capital	191.25M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 7.47 million and capital expenditures -4.33 million, giving a free cash flow of 3.15 million.

Operating Cash Flow	7.47M
Capital Expenditures	-4.33M
Free Cash Flow	3.15M
FCF Per Share	0.02

Full Cash Flow Statement

Margins

Gross margin is 15.07%, with operating and profit margins of 4.00% and 3.02%.

Gross Margin	15.07%
Operating Margin	4.00%
Pretax Margin	3.92%
Profit Margin	3.02%
EBITDA Margin	6.63%
EBIT Margin	4.00%
FCF Margin	0.92%

Dividends & Yields

Creditex does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	0.36%
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	6.97%
FCF Yield	2.12%

Dividend Details

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on June 17, 2004. It was a forward split with a ratio of 1.01452.

Last Split Date	Jun 17, 2004
Split Type	Forward
Split Ratio	1.01452

Scores

Creditex has an Altman Z-Score of 2 and a Piotroski F-Score of 6. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	2
Piotroski F-Score	6