Financials / Credit ServicesUpdated 2026-05-10 22:07 UTC

BVMF/CRDA34 stock hub

BVMF/CRDA34 has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

27.3B

Brazil Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

BVMF/CRDA34

In the news

Latest news · BVMF/CRDA34

Recent company headlines from major financial publishers.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E11

P25 8P50 10.9P75 14.1

Trailing P/E11.5

P25 9P50 11.1P75 15.9

ROE28.1

P25 10P50 15.3P75 22.5

ROIC5.7

P25 4.6P50 10.9P75 22.5

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All BVMF/CRDA34 market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

185

Groups with data

Currency

USD

Showing 185 of 185 available metrics for this ticker.

Profile and market data

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

Metric	Value
Country	United States
Country code	BR
Employees	2,314
Employees Change	199%
Employees Change Percent	8.92
Exchange	Brazil Stock Exchange
Financial currency	USD
First seen	2026-05-10
Industry	Credit Services
Last refreshed	2026-05-10
Market cap	BRL 27.3B
Price	BRL 245
Price currency	BRL
Rev Per Employee	2,875,962.01x
Sector	Financials
Sic	6141
Symbol	bvmf/CRDA34
Website	https://www.creditacceptance.com

Valuation

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

Metric	Value
Earnings Yield	8.66%
FCF yield	20.1%
Forward P/E	10.96x
P/B ratio	3.46x
P/E ratio	11.55x
P/S ratio	4.1x
PE Ratio10 Y	14.78x
PE Ratio3 Y	20.2x
PE Ratio5 Y	16.08x

Profitability

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

Metric	Value
FCF margin	82.51%
Gross margin	94.4%
Gross Profit	BRL 6.3B
Net Income	BRL 2.4B
Net Income Growth	56.4%
Net Income Growth Q	27.75%
Net Income Growth3 Y	2.5%
Net Income Growth5 Y	-8.5%
Pretax Margin	46.93%
Profit Margin	35.54%
Profit Per Employee	BRL 1M
ROA	5.05
Roa5y	6.53
ROE	28.12
Roe5y	26.9
ROIC	5.74
Roic5y	7.22

Growth

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

Metric	Value
Cagr1y	-24.53%
Cagr3y	3.79%
Cagr5y	3.8%
EPS Growth	70.95
EPS Growth Q	43.19
EPS Growth3 Y	8.18
EPS Growth5 Y	0.02
FCF Growth	-10.21%
FCF Growth Q	-0.12%
FCF Growth3 Y	-3.1%
FCF Growth5 Y	-0.41%
OCF Growth	-10.13%
OCF Growth Q	0.17%
OCF Growth10 Y	10.8%
OCF Growth3 Y	-3.08%
OCF Growth5 Y	-0.45%
Revenue Growth	28.44x
Revenue Growth Q	12.73x
Revenue Growth3 Y	6.69x
Revenue Growth5 Y	-0.74x

Financial strength

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

Metric	Value
Asset Turnover	BRL 0.14
Assets	BRL 45.4B
Cash	BRL 134.1M
Debt	BRL 33.4B
Debt Equity	BRL 4.23
Debt FCF	BRL 6.09
Equity	BRL 7.9B
Liabilities	BRL 37.5B
Net Cash	BRL -33.3B
Net Cash By Market Cap	BRL -122
Net Debt Equity	BRL 4.22
Net Debt FCF	BRL 6.06
Tangible Book Value	BRL 7.9B
Tangible Book Value Per Share	BRL 758
WACC	5.18

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	3.87
Quick ratio	3.63
Working Capital	BRL 33B
Working Capital Turnover	BRL 0.96

Dividends and buybacks

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

Metric	Value
Buyback Yield	8.55%

Performance and technicals

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

Metric	Value
1Y total return	-24.51%
200-day SMA	300.2
3Y total return	11.82%
50-day SMA	253.9
50-day SMA vs 200-day SMA	50under200
5Y total return	20.47%
All Time High	390.5
All Time High Change	-37.17%
All Time High Date	2021-11-04
All Time Low	112.1
All Time Low Change	118.94%
All Time Low Date	2020-03-23
ATR	9.19
Beta	1.32
Ch YTD	-0.39
High	249.5
High52	297.5
High52 Date	2025-04-17
High52ch	-17.53%
Low	245.3
Low52	243.8
Low52 Date	2025-09-30
Low52ch	0.65%
Ma50ch	-3.38%
Price vs 200-day SMA	-18.26%
RSI	44.64
RSI Monthly	47.58
RSI Weekly	45.61
Sharpe ratio	0.81x
Sortino ratio	1.26
Total Return	8.55%
Tr YTD	-0.39
Tr1m	-8.13%
Tr1w	-2.11%
Tr3m	-4.52%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	BRL 3.1B
Operating Income Growth	46.13
Operating Income Growth Q	22.46
Operating Income Growth3 Y	2.62
Operating Income Growth5 Y	-8.36
Operating margin	46.93

Ownership and float

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

Metric	Value
Float	5,124,521%
Net Borrowing	-1,523,893,420
Shares Insiders	15.06%
Shares Institutions	61.9%
Shares Qo Q	-1.35%
Shares Yo Y	-8.55%
Short Ratio	5.15

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	BRL 5.2B
Average Volume	159.5x
Bv Per Share	757.8
CAPEX	BRL -13.6M
Ch1m	-8.13
Ch1w	-2.11
Ch1y	-24.51
Ch3m	-4.52
Ch3y	11.82
Ch5y	20.47
Ch6m	0.65
Change	-2.11%
Change From Open	-1.68
Close	250.6
Days Gap	-0.44
Depreciation Amortization	15,234,020
Dollar Volume	490.7
Earnings Date	2026-05-05
EPS	BRL 209
F Score	6
FCF	BRL 5.5B
Financing CF	-5,475,474,560
Fiscal Year End	December
Founded	1,972
Graham Number	184.16549
Graham Upside	-24.93
Income Tax	BRL 758M
Investing CF	-2,998,573,530
Is Primary Listing	0
Last Earnings Date	2026-05-05
Last Report Date	2026-03-31
Lynch Fair Value	BRL 106
Lynch Upside	-56.7
Ma150	297.5
Ma150ch	-17.52%
Ma20	260.4
Ma20ch	-5.79%
Net CF	-2,969,359,870
Open	249.5
P FCF Ratio	4.97
P OCF Ratio	4.96
Position In Range	0
Ppne	64,867,440
Price Date	2026-04-16
Ptbv Ratio	3.46
Relative Volume	0.01x
Revenue	6,654,976,083x
SBC By Revenue	3.85x
Share Based Comp	256,141,198
Tax By Revenue	11.39x
Tax Rate	24.27%
Tr6m	0.65%
Volume	2

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

Does BVMF/CRDA34 pay a dividend?

Capital-return profile for this ticker.

Performance

BVMF/CRDA34 stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns BVMF/CRDA34?

Insider, institutional, and short-interest positioning.

Institutional ownership

+61.9%

Share of float held by funds and institutions

Insider ownership

+15.1%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

BVMF/CRDA34 momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

44.6

Neutral momentum band

Price vs 200-day MA

-18.3%

50/200-day relationship not available

Beta (5Y)

1.32

More volatile than the market

Sharpe ratio

0.81

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About BVMF/CRDA34

Hub-level FAQ points readers to the deeper analysis pages.

What is the current bvmf/CRDA34 stock rating?

bvmf/CRDA34 is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full bvmf/CRDA34 analysis?

The full report lives at /stocks/bvmf/CRDA34/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for bvmf/CRDA34?

The latest report frames bvmf/CRDA34 around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the bvmf/CRDA34 page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.