Financeira Alfa S.A. - Crédito, Financiamento e Investimentos

CRIV4.SA

CRIV4.SAFinanceira Alfa S.A. - Crédito, Financiamento e Investimentos BR flag

São Paulo

6.74

BRL

- -

0.18EPS

37.44P/E

705.93MMarket Cap

Mar 31Next Earn

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ISIN

BRCRIVACNPR1

Return %

Stock

S&P500

26.93

24.74

8.71

37.69

15.21

82.03

Use logarithmic scale

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	TTM
Revenue per Share	2.27	3.4	2.51	2.92	6.97	9.47	7.22	7.57	8.98	6.6	6.68	14.26	- -	20.4
Basic EPS, GAAP	0.58	0.89	0.5	0.35	0.38	0.39	0.63	0.66	0.7	0.49	0.4	0.21	- -	0.18
Free Cash Flow per Basic Share	0.69	6.05	0.01	-5.38	-1.69	3.51	-0.53	1.88	-7.53	12.07	25.76	15.33	- -	40.54
Dividend per Share	0.16	0.25	0.31	0.13	0.14	0.15	0.14	0.17	0.15	0.23	0.2	0.21	- -	0.19
Book Value per Share	2.1	2.81	3.13	3.31	3.67	3.75	3.89	4.12	4.36	9.54	4.79	4.98	- -	5.11
Tangible Book Value per Share	4.77	6.65	7.02	7.23	7.55	7.77	8.25	8.74	9.24	9.73	10.34	10.51	- -	10.51
Basic Weighted Avg Shares	133	106	106	106	104	104	103	103	103	103	103	103	- -	103
Sales/Revenue/Turnover	302	360	266	309	722	980	744	778	922	678	686	1,464	2,094	2,094
Operating Margin (%)	40.76	43.72	12.79	15.06	-19.33	14.19	17.42	29.05	35.73	21.66	-6.6	73.63	78.79	78.79
Depreciation Expense	1	1	1	1	1	2	2	2	2	2	3	3	3	3
Net Income, GAAP	77	94	53	37	39	40	65	68	72	50	76	39	19	19
Effective Tax Rate (%)	33.93	37.44	- -	11.46	24.01	30.98	36.19	30.38	28.84	25.9	33.82	22.83	- -	55.56
Profit Margin (%)	25.44	26.23	20.08	12.04	5.41	4.09	8.74	8.75	7.82	7.45	11.09	2.64	0.89	0.89
Working Capital	1,143	1,331	1,242	496	602	358	2,426	959	197	8,832	8,526	8,944	6,110	6,110
LT Debt	1,628	2,590	2,371	1,587	98	57	27	8	2	2,032	3	1	- -	- -
Total Equity	635	704	743	766	782	805	851	899	951	1,005	1,063	1,081	1,081	1,081
Return on Invested Capital (%)	4.4	2.4	- -	0.79	-3.66	10.21	8.97	16.85	24.21	5.37	-1.43	73.92	- -	109.42
Return on Capital (%)	5.15	2.56	- -	0.78	1.6	7.99	13.88	15.04	15.93	2.86	4.16	161.57	- -	-371.67
Return on Common Equity (%)	28.29	32.74	17.01	10.92	10.71	10.44	16.49	16.53	16.55	7.08	5.59	4.22	3.59	3.59

Capital Structure

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in mil. unless spec.

Working Capital

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in mil. unless spec.

Growth Rates

FRC

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in mil. unless spec.

(avg. rate of change)	10 years	5 years	1 year
Sales/Revenue/Turnover	31.6%	29.96%	43.01%
Net Income, GAAP	-3.03%	-14.9%	-51.92%
Free Cash Flow	-7,868.25%	-104.66%	164.38%
Total Cash Common Dividend	7.03%	20.38%	351.2%
Total Equity	3.84%	3.78%	-0.01%

Growth Rates

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in mil. unless spec.

Quarterly Revenue

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in mil. unless spec.

Quarterly Earnings Per Share

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in mil. unless spec.

Quarterly Dividends Per Share

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in mil. unless spec.

Company Description

CEO: Mr. Fabio Alberto Amorosino
Sector: Financial Services
Industry: Financial - Conglomerates
Address: Al. Santos, 466 São Paulo SP Brazil 01418-000
IPO Date: May 24, 2006
Website: wwws.financeiraalfa.com.br
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Business: Financeira Alfa S.A. - Crédito, Financiamento e Investimentos provides credit solutions in Brazil. It offers direct consumer credit, discount on receivables, special financing, personal credit, payroll loans, vehicle financing, aircraft, and boat credit solutions. The company was founded in 1925 and is based in São Paulo, Brazil.

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	TTM
Revenue per Share	2.27	3.4	2.51	2.92	6.97	9.47	7.22	7.57	8.98	6.6	6.68	14.26	- -	20.4
Basic EPS, GAAP	0.58	0.89	0.5	0.35	0.38	0.39	0.63	0.66	0.7	0.49	0.4	0.21	- -	0.18
Free Cash Flow per Basic Share	0.69	6.05	0.01	-5.38	-1.69	3.51	-0.53	1.88	-7.53	12.07	25.76	15.33	- -	40.54
Dividend per Share	0.16	0.25	0.31	0.13	0.14	0.15	0.14	0.17	0.15	0.23	0.2	0.21	- -	0.19
Book Value per Share	2.1	2.81	3.13	3.31	3.67	3.75	3.89	4.12	4.36	9.54	4.79	4.98	- -	5.11
Tangible Book Value per Share	4.77	6.65	7.02	7.23	7.55	7.77	8.25	8.74	9.24	9.73	10.34	10.51	- -	10.51
Basic Weighted Avg Shares	133	106	106	106	104	104	103	103	103	103	103	103	- -	103
Sales/Revenue/Turnover	302	360	266	309	722	980	744	778	922	678	686	1,464	2,094	2,094
Operating Margin (%)	40.76	43.72	12.79	15.06	-19.33	14.19	17.42	29.05	35.73	21.66	-6.6	73.63	78.79	78.79
Depreciation Expense	1	1	1	1	1	2	2	2	2	2	3	3	3	3
Net Income, GAAP	77	94	53	37	39	40	65	68	72	50	76	39	19	19
Effective Tax Rate (%)	33.93	37.44	- -	11.46	24.01	30.98	36.19	30.38	28.84	25.9	33.82	22.83	- -	55.56
Profit Margin (%)	25.44	26.23	20.08	12.04	5.41	4.09	8.74	8.75	7.82	7.45	11.09	2.64	0.89	0.89
Working Capital	1,143	1,331	1,242	496	602	358	2,426	959	197	8,832	8,526	8,944	6,110	6,110
LT Debt	1,628	2,590	2,371	1,587	98	57	27	8	2	2,032	3	1	- -	- -
Total Equity	635	704	743	766	782	805	851	899	951	1,005	1,063	1,081	1,081	1,081
Return on Invested Capital (%)	4.4	2.4	- -	0.79	-3.66	10.21	8.97	16.85	24.21	5.37	-1.43	73.92	- -	109.42
Return on Capital (%)	5.15	2.56	- -	0.78	1.6	7.99	13.88	15.04	15.93	2.86	4.16	161.57	- -	-371.67
Return on Common Equity (%)	28.29	32.74	17.01	10.92	10.71	10.44	16.49	16.53	16.55	7.08	5.59	4.22	3.59	3.59

	Jun'23	Sep'23	Dec'23
Total Current Assets	13,639	14,052	16,883
Accounts Receivable, Net	- -	- -	- -
Cash, Cash Equivalents & STI	13,614	7,286	- -
Inventories	- -	- -	- -
Total Current Liabilities	12,838	8,831	10,773
Payables & Accruals	- -	- -	- -
ST Debt	- -	1	1
Deferred Revenue	- -	- -	- -

Year	Q1	Q2	Q3	Q4	FY
2021	59	199	149	279	686
2022	302	300	420	469	1,464
2023	516	516	510	552	2,094

Year	Q1	Q2	Q3	Q4	FY
2021	0.11	0.17	0.22	- -	0.4
2022	0.01	- -	- -	- -	0.21
2023	- -	- -	- -	- -	- -

Year	Q1	Q2	Q3	Q4	FY
2021	0.1	0.01	-0.01	- -	0.2
2022	0.11	- -	- -	- -	0.21
2023	0.1	- -	- -	- -	- -

	Jun'23	Sep'23	Dec'23
ST Debt	- -	1	1
LT Borrowings	- -	1	- -
LT Finance Leases	- -	- -	- -
Preferred Equity and Hybrid Capital	- -	- -	- -
Shares Outstanding	103	103	103
Market Capitalization	500	604	569

Financeira Alfa S.A. - Crédito, Financiamento e Investimentos

Growth Rates

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Company Description

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Quarterly Revenue

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Quarterly Earnings Per Share

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Capital Structure