Stock CRIV3 FINANCEIRA ALFA S.A. - CRÉDITO, FINANCIAMENTO E INVESTIMENTOS
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Financials Financeira Alfa S.A. - Crédito, Financiamento e Investimentos

Equities

CRIV3

BRCRIVACNOR4

Consumer Lending

Market Closed - Sao Paulo
Other stock markets
 01:47:12 2024-03-25 pm EDT 		5-day change 1st Jan Change
6.98 BRL +0.14% Intraday chart for Financeira Alfa S.A. - Crédito, Financiamento e Investimentos -.--% +19.93%
Feb. 08 Financeira Alfa S.A. - Crédito, Financiamento e Investimentos Reports Earnings Results for the Full Year Ended December 31, 2023 CI
2023 Financeira Alfa S.A. - Crédito, Financiamento e Investimentos Reports Earnings Results for the Nine Months Ended September 30, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 501.6 684.8 604.1 527.7 530.4 593.9
Enterprise Value (EV) 1 -391.5 441 1,007 -3,686 -5,334 -9,483
P/E ratio 6.49 x 8.82 x 11.1 x 6.27 x 13.8 x 32.2 x
Yield 0.75% 0.56% - 0.53% - 3.55%
Capitalization / Revenue 0.66 x 0.79 x 0.95 x 0.63 x 0.35 x 0.28 x
EV / Revenue -0.51 x 0.51 x 1.58 x -4.37 x -3.48 x -4.53 x
EV / EBITDA -0.7 x 0.7 x 2.81 x -7.49 x -4.66 x -5.7 x
EV / FCF -0.24 x 2.6 x 9.15 x -10.4 x -3.65 x -1.41 x
FCF Yield -413% 38.4% 10.9% -9.63% -27.4% -71.1%
Price to Book 0.49 x 0.67 x 0.57 x 0.47 x 0.5 x 0.57 x
Nbr of stocks (in thousands) 102,805 102,715 102,653 102,653 102,653 102,653
Reference price 2 4.300 6.190 5.460 4.720 5.180 5.820
Announcement Date 3/15/19 3/19/20 2/26/21 2/25/22 2/16/23 2/8/24
1BRL in Million2BRL
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 760.7 868.3 637.6 842.6 1,531 2,093
EBITDA 1 558.2 627.9 358.6 492.1 1,145 1,664
EBIT 1 556.4 625.8 356.3 489.3 1,142 1,661
Operating Margin 73.15% 72.07% 55.87% 58.08% 74.57% 79.35%
Earnings before Tax (EBT) 1 99.88 103.3 71.14 123.9 50.49 8.831
Net income 1 68.06 72.12 50.5 77.24 38.64 18.58
Net margin 8.95% 8.31% 7.92% 9.17% 2.52% 0.89%
EPS 2 0.6624 0.7022 0.4919 0.7525 0.3764 0.1810
Free Cash Flow 1 1,617 169.5 110 354.9 1,460 6,740
FCF margin 212.51% 19.52% 17.26% 42.12% 95.37% 322%
FCF Conversion (EBITDA) 289.61% 26.99% 30.68% 72.12% 127.58% 405.12%
FCF Conversion (Net income) 2,375.25% 234.96% 217.89% 459.41% 3,779.09% 36,281.94%
Dividend per Share 2 0.0324 0.0349 - 0.0250 - 0.2064
Announcement Date 3/15/19 3/19/20 2/26/21 2/25/22 2/16/23 2/8/24
1BRL in Million2BRL
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - 403 - - -
Net Cash position 1 893 244 - 4,213 5,865 10,077
Leverage (Debt/EBITDA) - - 1.124 x - - -
Free Cash Flow 1 1,617 169 110 355 1,460 6,740
ROE (net income / shareholders' equity) 7.78% 7.8% 5.22% 7.67% 3.64% 2.13%
ROA (Net income/ Total Assets) 6.15% 6.49% 2.88% 2.98% 5.81% 6.75%
Assets 1 1,107 1,112 1,752 2,589 665.6 275.4
Book Value Per Share 2 8.750 9.260 9.570 10.10 10.30 10.30
Cash Flow per Share 2 8.740 1.080 13.10 39.00 55.40 96.70
Capex 1 2.95 1.56 1.59 3.38 2.15 0.69
Capex / Sales 0.39% 0.18% 0.25% 0.4% 0.14% 0.03%
Announcement Date 3/15/19 3/19/20 2/26/21 2/25/22 2/16/23 2/8/24
1BRL in Million2BRL
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Other Consumer Lending

1st Jan change Capi.
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