Creditaqui Financeira SA - Credito Financiamento e Investimento
BOVESPA:MERC4

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Creditaqui Financeira SA - Credito Financiamento e Investimento
BOVESPA:MERC4
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Price: 16.25 BRL Market Closed
Market Cap: R$127.2m

P/S

1.1
Current
5%
More Expensive
vs 3-y average of 1

Price to Sales (P/S) ratio shows how much investors pay for each dollar of a company`s sales. It`s calculated by dividing the company`s market value by its total revenue.

P/S
1.1
=
Market Cap
R$127.2m
/
Revenue
R$115.5m

Price to Sales (P/S) ratio shows how much investors pay for each dollar of a company`s sales. It`s calculated by dividing the company`s market value by its total revenue.

P/S
1.1
=
Market Cap
R$127.2m
/
Revenue
R$115.5m

Valuation Scenarios

Creditaqui Financeira SA - Credito Financiamento e Investimento is trading above its 3-year average

If P/S returns to its 3-Year Average (1), the stock would be worth R$15.41 (5% downside from current price).

Statistics
Positive Scenarios
2/4
Maximum Downside
-21%
Maximum Upside
+217%
Average Upside
48%
Scenario P/S Value Implied Price Upside/Downside
Current Multiple 1.1 R$16.25
0%
3-Year Average 1 R$15.41
-5%
5-Year Average 1.1 R$16.54
+2%
Industry Average 3.5 R$51.56
+217%
Country Average 0.9 R$12.76
-21%

Forward P/S
Today’s price vs future revenue

Not enough data available to calculate forward P/S

Peer Comparison

All Multiples
P/S
P/E
All Countries
Close

Market Distribution

In line with most companies in Brazil
Percentile
56th
Based on 510 companies
56th percentile
1.1
Low
0 — 0.6
Typical Range
0.6 — 1.6
High
1.6 —
Distribution Statistics
Brazil
Min 0
30th Percentile 0.6
Median 0.9
70th Percentile 1.6
Max 55.8

Other Multiples

Creditaqui Financeira SA - Credito Financiamento e Investimento
Glance View

Market Cap
127.2m BRL
Industry
Financial Services

Creditaqui Financeira SA - Credito Financiamento e Investimento is a dynamic player in Brazil's financial sector, catering primarily to individuals and small businesses seeking accessible credit solutions. Founded on principles of inclusivity and customer-centric service, the company has carved a niche by providing a diverse array of financial products, including personal loans, vehicle financing, and investment services. By leveraging advanced technology and data analytics, Creditaqui is not only streamlining the application process but also enhancing credit risk assessment, thereby lowering costs and improving access for underserved markets. This strategic approach has allowed Creditaqui to grow its customer base significantly while maintaining a strong focus on responsible lending. For investors looking to capitalize on Brazil's expanding credit market, Creditaqui represents an attractive opportunity with its robust business model and commitment to innovation. The company has demonstrated consistent financial performance, underpinned by a solid risk management framework and a dedicated workforce. Additionally, its strong partnerships with fintech providers and data-driven strategies position it well to adapt to market changes and consumer demands. As Brazil’s economy continues to evolve, Creditaqui is poised to not only achieve sustainable growth but also enhance shareholder value, making it a noteworthy consideration for those wishing to invest in a forward-thinking financial institution.

MERC4 Intrinsic Value
21 BRL
Undervaluation 23%
Intrinsic Value
Price R$16.25
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