Stock CRANDEC1 CAJA RURAL DE AHORRO Y CRÉDITO LOS ANDES S.A.
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Financials Caja Rural de Ahorro y Crédito Los Andes S.A.

Equities

CRANDEC1

PEP169551004

Banks

End-of-day quote Lima
Other stock markets
 06:00:00 2024-05-30 pm EDT 		5-day change 1st Jan Change
1.32 PEN -.--% Intraday chart for Caja Rural de Ahorro y Crédito Los Andes S.A. -.--% -.--%
Apr. 30 Caja Rural de Ahorro y Crédito Los Andes S.A. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
Jan. 24 Caja Rural de Ahorro y Crédito Los Andes S.A. Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 73.82 97.44 97.44 97.44 97.44 97.44
Enterprise Value (EV) 1 41.35 22.77 89.71 90.59 82.45 54.5
P/E ratio 6.84 x -7.73 x -4.99 x -10.1 x 38.8 x 95.4 x
Yield - - - - - -
Capitalization / Revenue 0.88 x 1.54 x 2.45 x 1.69 x 1.16 x 1.14 x
EV / Revenue 0.5 x 0.36 x 2.26 x 1.57 x 0.98 x 0.64 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.02 x 0.71 x 1.17 x 1.32 x 1.28 x 1.26 x
Nbr of stocks (in thousands) 55,635 73,817 73,817 73,817 73,817 73,817
Reference price 2 1.327 1.320 1.320 1.320 1.320 1.320
Announcement Date 3/22/19 7/2/20 3/31/21 3/31/22 3/29/23 3/27/24
1PEN in Million2PEN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 83.52 63.15 39.72 57.74 83.73 85.15
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 15.68 -12.95 -27.08 -13.41 3.609 3.165
Net income 1 10.79 -9.495 -19.52 -9.665 2.514 1.021
Net margin 12.92% -15.04% -49.16% -16.74% 3% 1.2%
EPS 2 0.1940 -0.1707 -0.2645 -0.1309 0.0341 0.0138
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 3/22/19 7/2/20 3/31/21 3/31/22 3/29/23 3/27/24
1PEN in Million2PEN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 32.5 74.7 7.73 6.85 15 42.9
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 16.1% -10.9% -21% -12.3% 3.36% 1.33%
ROA (Net income/ Total Assets) 2.18% -1.78% -3.84% -1.96% 0.46% 0.16%
Assets 1 496.1 534.6 507.9 491.9 541.6 619.9
Book Value Per Share 2 1.300 1.850 1.130 1.000 1.030 1.040
Cash Flow per Share 2 0.7800 1.220 0.3400 0.4000 0.3600 0.6300
Capex 1 3.44 5.2 - 0.84 3.62 4.22
Capex / Sales 4.11% 8.23% - 1.45% 4.32% 4.96%
Announcement Date 3/22/19 7/2/20 3/31/21 3/31/22 3/29/23 3/27/24
1PEN in Million2PEN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Other Banks

1st Jan change Capi.
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