1. Brazil Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Mercantil do Brasil Financeira S.A.

Mercantil do Brasil Financeira S.A.

MERC3.SA
Mercantil do Brasil Financeira S.A.BR flagB3 S.A.
15.28
BRL
+1.10
- -
367.95MMarket Cap
Mercantil do Brasil Financeira S.A.
MERC3.SA
(B3 S.A.)

Recent

price

15.28

P/E

ratio

- -

div

yld

- -

ROIC.AI

2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
TTM
FRC
4.35
5.43
3.13
5.15
11.45
8.12
10.24
7.49
12.92
7.26
4.57
2.82
2.65
2.66
2.55
2.05
2.56
Revenue per Share
0.37
2.05
0.75
1.37
1.69
0.1
-0.67
0.03
1.65
1.33
0.95
0.46
0.7
-0.31
0.15
0.61
0.89
Basic EPS, GAAP
-0.33
0.54
1.12
-0.11
2.03
-2.95
0.43
-0.58
0.45
0.82
4.85
-4.17
-1.63
-0.14
0.97
-7.98
-12.62
Free Cash Flow per Basic Share
0.22
0.65
- -
- -
- -
- -
- -
- -
- -
0.48
0.37
0.26
0.21
0.18
0.18
0.22
0.3
Dividend per Share
4.59
5.18
6.14
6.14
6.8
6.8
3.76
3.76
3.76
3.76
3.76
3.76
3.76
4.03
4.24
4.4
7.77
Book Value per Share
9.51
10.86
11.29
12.21
13.54
11.38
7.38
7.2
8.37
9.33
9.95
10.2
10.68
10.16
10.15
10.95
11.56
Tangible Book Value per Share
12
12
12
12
12
19
19
19
19
19
19
19
19
19
18
41
41
Basic Weighted Avg Shares
53
67
38
63
139
150
194
142
245
138
87
54
50
50
46
84
105
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
5
25
9
17
21
2
-13
1
31
25
18
9
13
-6
3
25
37
Net Income, GAAP
17.59
31.91
28.58
30.85
30.55
- -
- -
- -
35.46
38.63
30.68
24.97
- -
- -
- -
36.79
40.64
Effective Tax Rate (%)
8.53
37.69
23.89
26.57
14.79
1.18
-6.49
0.45
12.77
18.38
20.79
16.36
26.33
-11.57
6.04
29.94
34.9
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
28
17
3
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
117
133
139
150
164
211
195
191
213
232
243
248
257
251
242
576
601
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
8.25
41.9
13.2
22.31
26.04
1.7
-12.78
0.89
43.9
35.48
25.25
12.29
18.54
-7.92
3.63
19.58
14.27
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Mar'25
Jun'25
Sep'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
127
127
127
Shares Outstanding
41
41
41
Market Capitalization
- -
- -
- -

Working Capital

FRC

•

in mil. unless spec.
Mar'25
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1
3
2
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
15.34%
27.55%
138.31%
Free Cash Flow
-302.37%
-613.8%
-1,974.5%
Net Income, GAAP
437.89%
103.17%
807.91%
Sales/Revenue/Turnover
2.38%
6.02%
83.07%
Total Cash Common Dividend
- -
22.81%
182.21%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
11
11
10
14
46
2024
21
22
20
21
84
2025
27
29
28
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.03
- -
- -
- -
0.15
2024
0.25
- -
- -
- -
0.61
2025
0.24
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
0.18
2024
0.48
- -
- -
- -
0.22
2025
0.3
- -
- -
- -
- -
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Business
Mercantil do Brasil Financeira S.A. operates primarily in consumer finance and credit services in Brazil. Its core products include direct consumer credit, payroll-deductible loans, personal loans, debt renegotiation services, and legal and financial advisory related to credit operations. The company focuses on providing accessible financial solutions such as bill updating and loan restructuring to individuals, particularly catering to payroll loan segments. It operates mainly through digital channels including its proprietary Mercantil app, which facilitates a significant portion of client transactions. Mercantil do Brasil Financeira is a subsidiary of Banco Mercantil do Brasil S.A., which has been strengthening its financial ecosystem by investing in digital transformation and expanding service offerings, particularly targeting the 50+ demographic segment with specialized banking and financial products. The company was formerly known as Creditaqui Financeira S.A. and adopted its current name as part of a rebranding effort aligned with strategic expansion. Recent major developments include a capital increase of R$ 321 million approved by the Central Bank of Brazil in late 2024 to support growth initiatives and digital investments, and a closer integration with Banco Mercantil do Brasil’s broader financial and technological platform. The company operates predominantly in Brazil and is headquartered in Belo Horizonte, maintaining a strong operational presence through a network of service points across multiple states. Founded as part of Banco Mercantil do Brasil's expansion, Mercantil do Brasil Financeira focuses on delivering innovative and client-oriented credit solutions in the Brazilian financial market.