BVMF/B2AP34 (BVMF/B2AP34)

Brazil Stock Exchange: BVMF/B2AP34 · BRL

R$162

-2.98 (-1.8%)· Recorded snapshot

Market cap	155.4B
Revenue (ttm)	33.8B
Net income (ttm)	11.2B
EPS (ttm)	R$12.1
P/E (trailing)	13.4x
P/E (forward)	11.8x
Dividend	R$5.94 (3.67%)
Volume	4
Beta	0.87

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 33.8B
Net income (ttm): 11.2B
EPS (ttm): R$12.1
P/E (trailing): 13.4x
P/E (forward): 11.8x
Market cap: 155.4B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/E11.8

P25 n/aP50 n/aP75 n/a

Trailing P/E13.4

P25 n/aP50 n/aP75 n/a

ROE20.4

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BVMF/B2AP34 indicators

Market & fundamental data

Available fields

186

Groups with data

Currency

PEN

Showing 186 of 186 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	BRL
Country	Bermuda
Country code	BR
Earnings date	2026-11-09
Employees	52,770
Employees change	6,347
Employees growth	13.67%
Exchange	Brazil Stock Exchange
Financial currency	PEN
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1889
Industry	Banks - Regional
Is primary listing	No
ISIN number	BRB2APBDR008
Last earnings date	2026-08-13
Last refreshed	2026-10-29
Market cap	BRL 155.4B
Next earnings date	2026-11-09
Price	BRL 161.92
Price currency	BRL
Sector	Financials
SIC code	6020
Stock price date	2026-10-28
Symbol	bvmf/B2AP34
Website	https://grupocredicorp.com

Valuation

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

Metric	Value
Average P/E ratio (10Y)	17.06x
Average P/E ratio (3Y)	10.52x
Average P/E ratio (5Y)	10.12x
Earnings yield	7.47%
FCF yield	-13.87%
Forward P/E	11.84x
Graham number	126.84265
Graham upside	-21.66%
Industry forward P/E	6.65x
Industry P/E	7.52x
Lynch fair value	BRL 291.37
Lynch upside	79.95%
P/B ratio	2.64x
P/E ratio	13.39x
P/S ratio	4.6x
Price / tangible book value	3.08x
Sector forward P/E	7.86x
Sector P/E	8.95x

Profitability

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

Metric	Value
Effective tax rate	29.05%
Operating margin	47.37%
Pretax margin	47.72%
Profit margin	33.1%
Profit per employee	BRL 211,913
Revenue per employee	BRL 640,208
ROA	2.83%
ROA (5Y)	2.12%
ROE	20.41%
ROE (5Y)	16.48%
SBC / revenue	0.67%
Tax / revenue	13.86%

Growth

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

Metric	Value
EPS growth	17.97%
EPS growth (Q)	8.64%
EPS growth (QoQ)	-4.08%
EPS growth 10Y	8.62%
EPS growth 3Y	12.95%
EPS growth 5Y	28.39%
EPS growth years	0
FCF growth (Q)	-22.56%
Net income growth	17.93%
Net income growth (Q)	8.78%
Net income growth (QoQ)	-3.94%
Net income growth 3Y	12.92%
Net income growth 5Y	28.32%
Net income growth years	0
OCF growth (Q)	-22.3%
Revenue growth	13.7%
Revenue growth (Q)	11.99%
Revenue growth (QoQ)	1.16%
Revenue growth 10Y	7.87%
Revenue growth 3Y	11.73%
Revenue growth 5Y	16.42%
Revenue growth years	3

Financial statements

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

Metric	Value
Capital expenditures	BRL -361.2M
EPS	BRL 12.09
Financing cash flow	BRL 34.3B
Free cash flow	BRL -21.5B
Free cash flow minus SBC	BRL -21.8B
Gross profit	BRL 33.5B
Income taxes	BRL 4.7B
Investing cash flow	BRL -963.7M
Net borrowing	BRL -6.1B
Net cash flow	BRL 10.7B
Net income	BRL 11.2B
Operating cash flow minus SBC	BRL -21.4B
Operating income	BRL 16B
Revenue	BRL 33.8B
Stock-based compensation	BRL 226.1M

Financial strength

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

Metric	Value
Book value per share	BRL 728.25
Debt / equity	0.72
Goodwill	BRL 2B
Net cash (debt)	BRL 17B
Net cash / market cap	10.96%
Net cash growth	6.94%
Net debt / equity	-0.29
Piotroski F-Score	2
Property, plant and equipment	BRL 4B
Shareholders' equity	BRL 58.9B
Tangible book value	BRL 50.5B
Tangible book value per share	BRL 635.74
Total assets	BRL 429.1B
Total cash	BRL 59.2B
Total debt	BRL 42.1B
Total liabilities	BRL 370.2B
WACC	7.1%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	BRL -195B

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	-0.01%
Dividend growth	-4.56%
Dividend growth (3Y)	30.67%
Dividend growth years	0
Dividend payment date	2026-06-18
Dividend payment years	5
Dividend payout frequency	Annual
Dividend per share	BRL 5.94
Dividend yield	3.67%
Ex-dividend date	2026-05-15
Last dividend	BRL 5.94
Payout ratio	53.98%
Shareholder yield	3.66%

Performance and technicals

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

Metric	Value
150-day SMA	BRL 138.25
1D price change	-1.81%
1M price change	-2.16%
1M total return	-2.16%
1W price change	2.02%
1W total return	2.02%
1Y price change	41.44%
1Y return CAGR	47.7%
1Y total return	47.66%
20-day SMA	BRL 162.15
200-day SMA	BRL 129.32
3M price change	-0.97%
3M total return	-0.97%
3Y price change	182.53%
3Y return CAGR	49.2%
3Y total return	232.23%
50-day SMA	BRL 159.30
50-day SMA vs 200-day SMA	50over200
52-week high	BRL 168.80
52-week high date	2026-07-30
52-week low	BRL 103.00
52-week low date	2025-11-27
6M price change	18.99%
6M total return	24.22%
All-time high	BRL 168.80
All-time high date	2026-07-30
All-time low	BRL 54.89
All-time low date	2023-05-30
Average true range (ATR)	BRL 3.41
Average volume	222
Beta (5Y)	0.87
Change from 52-week high	-4.08%
Change from 52-week low	57.2%
Change from all-time high	-4.08%
Change from all-time low	194.99%
Change from open	0%
Day's gap	-1.81%
Dollar volume	BRL 648
High price	BRL 161.92
Low price	BRL 161.92
Monthly RSI	69.29
Open price	BRL 161.92
Previous close	BRL 164.90
Price vs 150-day SMA	17.12%
Price vs 20-day SMA	-0.14%
Price vs 200-day SMA	25.21%
Price vs 50-day SMA	1.64%
Relative volume	0.02
RSI	51.09
Sharpe ratio	1.78
Sortino ratio	3.02
Volume	4
Weekly RSI	65.74
YTD price change	22.14%
YTD total return	27.51%

Ownership and float

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

Metric	Value
Float	53.2M
Shares change (QoQ)	-0.27%
Shares change (YoY)	0.01%
Shares held by insiders	2.77%
Shares held by institutions	75%
Short ratio	4 days

Deeper analysis on BVMF/B2AP34

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

Forecast

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

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Valuation

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

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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.

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Financials

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

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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.

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Frequently asked questions

About this BVMF/B2AP34 report

Is a complete BVMF/B2AP34 research report available?

No complete published report is available for bvmf/B2AP34 (BVMF/B2AP34) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BVMF/B2AP34 (BVMF/B2AP34)

Price

Financial snapshot

Fair-value bridge

Latest news · BVMF/B2AP34

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BVMF/B2AP34 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/B2AP34

Frequently asked questions