BVMF/CRDA34 (BVMF/CRDA34)

Brazil Stock Exchange: BVMF/CRDA34 · BRL

R$245

+0.00 (0.0%)· Recorded snapshot

Market cap	30.1B
Revenue (ttm)	6.8B
Net income (ttm)	2.6B
EPS (ttm)	R$24.3
P/E (trailing)	10.1x
P/E (forward)	10.5x
Volume	0
Beta	1.40

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 6.8B
Net income (ttm): 2.6B
EPS (ttm): R$24.3
P/E (trailing): 10.1x
P/E (forward): 10.5x
Market cap: 30.1B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E10.5

P25 n/aP50 n/aP75 n/a

Trailing P/E10.1

P25 n/aP50 n/aP75 n/a

ROE31.9

P25 n/aP50 n/aP75 n/a

ROIC6.4

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BVMF/CRDA34 indicators

Market & fundamental data

Available fields

203

Groups with data

Currency

USD

Showing 203 of 203 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	BRL
Country	United States
Country code	BR
Earnings date	2026-10-29
Employees	2,314
Employees change	199
Employees growth	8.92%
Exchange	Brazil Stock Exchange
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1972
Industry	Credit Services
Is primary listing	No
ISIN number	BRCRDABDR003
Last earnings date	2026-08-04
Last refreshed	2026-10-28
Market cap	BRL 30.1B
Next earnings date	2026-10-29
Price	BRL 245.34
Price currency	BRL
Sector	Financials
SIC code	6141
Stock price date	2026-04-16
Symbol	bvmf/CRDA34
Website	https://www.creditacceptance.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	14.8x
Average P/E ratio (3Y)	19.69x
Average P/E ratio (5Y)	16.32x
Earnings yield	9.89%
FCF yield	21.01%
Forward P/E	10.46x
Graham number	178.79928
Graham upside	-27.12%
Lynch fair value	BRL 105.93
Lynch upside	-56.82%
P/(FCF - SBC) ratio	4.94x
P/(OCF - SBC) ratio	4.93x
P/B ratio	3.66x
P/E ratio	10.11x
P/FCF ratio	4.76x
P/OCF ratio	4.74x
P/S ratio	4.46x
Price / tangible book value	3.66x
Sector forward P/E	8.28x
Sector P/E	9.3x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	22.73%
FCF margin	90.69%
Gross margin	94.65%
Operating margin	49.83%
Pretax margin	49.83%
Profit margin	38.51%
Profit per employee	BRL 1.1M
Profitable quarters	8
Profitable years	26
Revenue per employee	BRL 2.9M
ROA	5.79%
ROA (5Y)	6.53%
ROE	31.93%
ROE (5Y)	26.9%
ROIC	6.35%
ROIC (5Y)	7.22%
SBC / revenue	3.46%
Tax / revenue	11.32%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	30.54%
EPS growth (Q)	70.62%
EPS growth (QoQ)	2.1%
EPS growth 10Y	11.61%
EPS growth 3Y	21.28%
EPS growth 5Y	-2.58%
EPS growth quarters	2
EPS growth years	1
FCF growth	10.2%
FCF growth (Q)	120.88%
FCF growth (QoQ)	-10.88%
FCF growth 3Y	0.93%
FCF growth 5Y	1.35%
Net income growth	18.26%
Net income growth (Q)	55.49%
Net income growth (QoQ)	0.07%
Net income growth 3Y	14.33%
Net income growth 5Y	-11.01%
Net income growth quarters	2
Net income growth years	1
OCF growth	10.38%
OCF growth (Q)	121.55%
OCF growth (QoQ)	-10.76%
OCF growth 10Y	10.7%
OCF growth 3Y	0.91%
OCF growth 5Y	1.32%
Operating income growth	16.17%
Operating income growth (Q)	43.12%
Operating income growth 3Y	14.93%
Operating income growth 5Y	-11.23%
Revenue growth	11.1%
Revenue growth (Q)	9.45%
Revenue growth (QoQ)	-3.37%
Revenue growth 10Y	5.83%
Revenue growth 3Y	11.35%
Revenue growth 5Y	-3.6%
Revenue growth quarters	13
Revenue growth years	3

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	BRL -20.2M
Depreciation and amortization	BRL 15.5M
EPS	BRL 24.28
Financing cash flow	BRL -3.9B
Free cash flow	BRL 6.3B
Free cash flow minus SBC	BRL 6.1B
Gross profit	BRL 6.4B
Income taxes	BRL 764.7M
Investing cash flow	BRL -2.9B
Net borrowing	BRL -1B
Net cash flow	BRL -371.5M
Net income	BRL 2.6B
Operating cash flow minus SBC	BRL 6.1B
Operating income	BRL 3.4B
Revenue	BRL 6.8B
Stock-based compensation	BRL 233.7M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	BRL 793.34
Debt / equity	3.96
Debt / FCF	5.15
Net cash (debt)	BRL -32.6B
Net cash / market cap	-108.13%
Net debt / equity	3.96
Net debt / FCF	5.15
Piotroski F-Score	6
Property, plant and equipment	BRL 75.5M
Shareholders' equity	BRL 8.2B
Tangible book value	BRL 8.2B
Tangible book value per share	BRL 793.34
Total assets	BRL 44.7B
Total cash	BRL 7.3M
Total debt	BRL 32.6B
Total liabilities	BRL 36.4B
WACC	5.74%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.15
Current ratio	4.83
Quick ratio	4.55
Working capital	BRL 34.8B
Working capital turnover	0.95

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	9.42%
Shareholder yield	9.42%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	BRL 297.46
1D price change	0%
1M price change	-8.13%
1M total return	-8.13%
1W price change	-8.13%
1W total return	-8.13%
20-day SMA	BRL 260.41
200-day SMA	BRL 300.17
3M price change	-4.52%
3M total return	-4.52%
3Y price change	11.82%
3Y return CAGR	3.79%
3Y total return	11.82%
50-day SMA	BRL 253.91
50-day SMA vs 200-day SMA	50under200
52-week high	BRL 297.49
52-week high date	2025-04-17
52-week low	BRL 243.75
52-week low date	2025-09-30
5Y price change	20.47%
5Y return CAGR	3.8%
5Y total return	20.47%
6M price change	0.65%
6M total return	0.65%
All-time high	BRL 390.46
All-time high date	2021-11-04
All-time low	BRL 112.06
All-time low date	2020-03-23
Average true range (ATR)	BRL 9.19
Average volume	159.5
Beta (5Y)	1.4
Change from 52-week high	-17.53%
Change from 52-week low	0.65%
Change from all-time high	-37.17%
Change from all-time low	118.94%
Change from open	0%
Day's gap	0%
High price	BRL 245.34
Low price	BRL 245.34
Monthly RSI	47.58
Open price	BRL 245.34
Previous close	BRL 245.34
Price vs 150-day SMA	-17.52%
Price vs 20-day SMA	-5.79%
Price vs 200-day SMA	-18.26%
Price vs 50-day SMA	-3.38%
Relative volume	0.01
RSI	44.64
Sharpe ratio	0.81
Sortino ratio	1.26
Volume	0
Weekly RSI	45.61
YTD price change	-0.39%
YTD total return	-0.39%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	5.1M
Shares change (QoQ)	-2%
Shares change (YoY)	-9.42%
Shares held by insiders	15.8%
Shares held by institutions	59.32%
Short ratio	9.4 days

Deeper analysis on BVMF/CRDA34

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this BVMF/CRDA34 report

Is a complete BVMF/CRDA34 research report available?

No complete published report is available for bvmf/CRDA34 (BVMF/CRDA34) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BVMF/CRDA34 (BVMF/CRDA34)

Price

Financial snapshot

Fair-value bridge

Latest news · BVMF/CRDA34

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BVMF/CRDA34 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BVMF/CRDA34

Frequently asked questions