Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada
Crédito Real, S.A.B. de C.V., Sociedad Financiera de Objeto Múltiple, Entidad No Regulada, a non- banking institution, provides financial solutions and services in Mexico. It offers leasing and payroll services, semi-new and used vehicle loans, and working capital finance for SMEs. On June 22, 2022, Credito Rel, S.A.B. de C.V., SOFOM, E.N.R. filed an involuntary petition for relief under Chapter … Read more
Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL) - Net Assets
Latest net assets as of September 2021: MX$18.49 Billion MXN
Based on the latest financial reports, Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL) has net assets worth MX$18.49 Billion MXN as of September 2021.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (MX$77.07 Billion) and total liabilities (MX$58.58 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | MX$18.49 Billion |
| % of Total Assets | 23.99% |
| Annual Growth Rate | 31.79% |
| 5-Year Change | 73.2% |
| 10-Year Change | 1000.29% |
| Growth Volatility | 43.92 |
Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada - Net Assets Trend (2002–2020)
This chart illustrates how Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (2002–2020)
The table below shows the annual net assets of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada from 2002 to 2020.
| Year | Net Assets | Change |
|---|---|---|
| 2020-12-31 | MX$16.07 Billion | +0.03% |
| 2019-12-31 | MX$16.06 Billion | +0.81% |
| 2018-12-31 | MX$15.94 Billion | +7.90% |
| 2017-12-31 | MX$14.77 Billion | +59.19% |
| 2016-12-31 | MX$9.28 Billion | +38.21% |
| 2015-12-31 | MX$6.71 Billion | +25.30% |
| 2014-12-31 | MX$5.36 Billion | +23.07% |
| 2013-12-31 | MX$4.35 Billion | +21.03% |
| 2012-12-31 | MX$3.60 Billion | +146.26% |
| 2011-12-31 | MX$1.46 Billion | +54.87% |
| 2010-12-31 | MX$942.96 Million | +26.88% |
| 2009-12-31 | MX$743.17 Million | +29.15% |
| 2008-12-31 | MX$575.42 Million | +34.64% |
| 2007-12-31 | MX$427.36 Million | +148.71% |
| 2006-12-31 | MX$171.83 Million | +36.28% |
| 2005-12-31 | MX$126.08 Million | -34.90% |
| 2004-12-31 | MX$193.67 Million | +30.53% |
| 2003-12-31 | MX$148.38 Million | +32.87% |
| 2002-12-31 | MX$111.67 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1017733100000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2020)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | MX$10.18 Billion | 67.69% |
| Common Stock | MX$660.15 Million | 4.39% |
| Other Components | MX$4.20 Billion | 27.92% |
| Total Equity | MX$15.04 Billion | 100.00% |
Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada Competitors by Market Cap
The table below lists competitors of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Total Transport Systems Limited
NSE:TOTAL
|
$3.79 Million |
|
Seacrest Petroleo BV
OL:SEAPT
|
$3.79 Million |
|
Akkhie Prakarn Public Company Limited
BK:AKP
|
$3.79 Million |
|
Diplomat Holdings Ltd
TA:DIPL
|
$3.79 Million |
|
Ancora Indonesia Resources Tbk
JK:OKAS
|
$3.79 Million |
|
Gaming Factory S.A.
WAR:GIF
|
$3.79 Million |
|
K&K Superstore Southern Public Company Limited
BK:KK
|
$3.78 Million |
|
Wong Engineering Corporation Bhd
KLSE:7050
|
$3.78 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2019 to 2020, total equity changed from 15,114,779,000 to 15,036,265,000, a change of -78,514,000 (-0.5%).
- Net income of 756,355,000 contributed positively to equity growth.
- Dividend payments of 374,069,000 reduced retained earnings.
- New share issuances of 214,580,000 increased equity.
- Other factors decreased equity by 675,380,000.
Equity Change Factors (2019 to 2020)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | MX$756.36 Million | +5.03% |
| Dividends Paid | MX$374.07 Million | -2.49% |
| Share Issuances | MX$214.58 Million | +1.43% |
| Other Changes | MX$-675.38 Million | -4.49% |
| Total Change | MX$- | -0.52% |
Book Value vs Market Value Analysis
This analysis compares Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.01x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | MX$35.74 | MX$0.35 | x |
| 2018-12-31 | MX$39.58 | MX$0.35 | x |
| 2019-12-31 | MX$38.54 | MX$0.35 | x |
| 2020-12-31 | MX$40.73 | MX$0.35 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 5.03%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 11.73%
- • Asset Turnover: 0.09x
- • Equity Multiplier: 4.68x
- Recent ROE (5.03%) is below the historical average (18.33%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2002 | 16.75% | 11.40% | 0.31x | 4.77x | MX$7.54 Million |
| 2003 | 17.88% | 10.58% | 0.42x | 4.01x | MX$11.70 Million |
| 2004 | 19.21% | 13.98% | 0.34x | 4.01x | MX$17.84 Million |
| 2006 | 13.08% | 4.42% | 0.34x | 8.77x | MX$5.29 Million |
| 2008 | 25.73% | 19.18% | 0.22x | 6.13x | MX$90.52 Million |
| 2009 | 22.57% | 19.03% | 0.23x | 5.05x | MX$93.44 Million |
| 2010 | 21.19% | 16.43% | 0.24x | 5.39x | MX$105.49 Million |
| 2011 | 28.45% | 21.13% | 0.24x | 5.72x | MX$269.49 Million |
| 2012 | 17.08% | 27.46% | 0.20x | 3.05x | MX$254.50 Million |
| 2013 | 23.06% | 34.29% | 0.19x | 3.47x | MX$568.32 Million |
| 2014 | 22.92% | 35.51% | 0.17x | 3.73x | MX$690.53 Million |
| 2015 | 20.76% | 45.67% | 0.12x | 3.93x | MX$710.69 Million |
| 2016 | 19.93% | 28.85% | 0.17x | 4.18x | MX$853.99 Million |
| 2017 | 11.85% | 23.98% | 0.17x | 2.99x | MX$259.20 Million |
| 2018 | 13.01% | 25.09% | 0.16x | 3.30x | MX$452.66 Million |
| 2019 | 13.10% | 25.76% | 0.12x | 4.07x | MX$468.63 Million |
| 2020 | 5.03% | 11.73% | 0.09x | 4.68x | MX$-747.27 Million |
Industry Comparison
This section compares Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $3,751,822,667
- Average return on equity (ROE) among peers: 31.78%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL) | MX$18.49 Billion | 16.75% | 3.17x | $3.79 Million |
| Financiera Independencia S.A.B. de C.V. SOFOM E.N.R (FINDEP) | $4.45 Billion | 7.79% | 1.38x | $90.07 Million |
| Unifin Financiera S. A. B. de C. V (UNIFINA) | $5.50 Billion | 22.00% | 6.56x | $2.62 Million |
| The Western Union Company (WU) | $1.30 Billion | 65.55% | 6.61x | $2.52 Billion |