Income Statement Conafi Prestito

Stocks

CNF

IT0004105653

Consumer Lending

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Published financial data: CONAFI PRESTITO

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2019	2020	2021	2022	2023
Interest and Dividend Income, Total	-	-	1.31M	4.22M	1.93M
Interest Expense, Total	6K	-	-	-	-
Net Interest Income	-6K	-	1.31M	4.22M	1.93M
Commission and Fees	924K	1.11M	1.13M	594K	638K
Gain (Loss) on Sale of Investments, Total (Rev)	-	-	-	-	-
Other Revenues, Total	-	-	-	-	-
Revenues Before Provison For Loan Losses	918K	1.11M	2.44M	4.82M	2.56M
Provision For Loan Losses	217K	-177K	196K	66K	52K
Total Revenues	701K	1.29M	2.25M	4.75M	2.51M
Salaries And Other Employee Benefits	1.93M	1.73M	2.11M	2.8M	2.96M
Cost of Services Provided, Total	1.13M	1.04M	1.02M	980K	880K
Depreciation & Amortization - (IS) - (Collected)	83K	42K	26K	31K	42K
Amortization of Goodwill and Intangible Assets - (IS)	-	-	-	-	-
Other Operating Expenses	518K	497K	1.32M	1.44M	2.82M
Total Operating Expenses	3.66M	3.31M	4.47M	5.25M	6.7M
Operating Income	-2.96M	-2.02M	-2.22M	-497K	-4.18M
Income (Loss) on Equity Invest.	-	-	-44K	-3K	-
Currency Exchange Gains (Loss)	-	-	-	-	-
Other Non Operating Income (Expenses)	307K	275K	202K	169K	122K
EBT, Excl. Unusual Items	-2.65M	-1.74M	-2.07M	-331K	-4.06M
Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	-	-	-	-
Gain (Loss) on Sale of Investments	112K	519K	843K	-3.93M	1.25M
Asset Writedown	-	-18K	-	-	-
EBT, Incl. Unusual Items	-2.54M	-1.24M	-1.22M	-4.26M	-2.81M
Income Tax Expense	201K	181K	493K	223K	229K
Earnings From Continuing Operations	-2.74M	-1.42M	-1.72M	-4.48M	-3.04M
Earnings Of Discontinued Operations	-	-	-	1.49M	-
Net Income to Company	-2.74M	-1.42M	-1.72M	-2.99M	-3.04M
Minority Interest	-	-1K	1K	-365K	1.14M
Net Income - (IS)	-2.74M	-1.42M	-1.72M	-3.36M	-1.9M
Net Income to Common Incl Extra Items	-2.74M	-1.42M	-1.72M	-3.36M	-1.9M
Net Income to Common Excl. Extra Items	-2.74M	-1.42M	-1.72M	-4.85M	-1.9M
Per Share Items
Net EPS - Basic	-0.07	-0.04	-0.05	-0.09	-0.05
Basic EPS - Continuing Operations	-0.07	-0.04	-0.05	-0.13	-0.05
Basic Weighted Average Shares Outstanding	36.94M	36.94M	36.94M	36.94M	36.94M
Net EPS - Diluted	-0.07	-0.04	-0.05	-0.09	-0.05
Diluted EPS - Continuing Operations	-0.07	-0.04	-0.05	-0.13	-0.05
Diluted Weighted Average Shares Outstanding	36.94M	36.94M	36.94M	36.94M	36.94M
Normalized Basic EPS	-0.04	-0.03	-0.03	-0.02	-0.04
Normalized Diluted EPS	-0.04	-0.03	-0.03	-0.02	-0.04
Dividend Per Share	-	-	0.04	-	-
Payout Ratio	-	-	-	-43.98	-
Supplemental Items
Total Revenues (As Reported)	1.38M	1.56M	2.74M	5.93M	2.98M
Effective Tax Rate - (Ratio)	-7.92	-14.58	-40.28	-5.24	-8.15
Current Domestic Taxes	-93K	-	422K	-	-
Total Current Taxes	-93K	-	422K	60K	45K
Deferred Domestic Taxes	294K	-	71K	-	-
Total Deferred Taxes	294K	181K	71K	163K	184K
Normalized Net Income	-1.66M	-1.09M	-1.29M	-572K	-1.4M

Fiscal Period: December	2019	2020	2021	2022	2023
Assets
Cash And Equivalents	8.45M	4.27M	17.28M	9.1M	2.5M
Long-Term Investments - (FS Template)	10K	10K	10K	7K	7K
Trading Asset Securities, Total	7.33M	8.65M	5.77M	1.27M	1.92M
Loans and Lease Receivables - (FS Template)	5.33M	4.64M	5.64M	12.19M	11.68M
Other Receivables	4.11M	1.13M	2.33M	1.36M	2M
Net Property Plant And Equipment	105K	55K	36K	58K	96K
Other Intangibles, Total	30K	50K	66K	56K	243K
Other Current Assets, Total	192K	2.13M	47K	1.2M	3.91M
Deferred Tax Assets Long-Term (Collected)	876K	730K	973K	660K	475K
Deferred Charges Long-Term	-	-	-	-	-
Other Long-Term Assets, Total	-	-	11K	-	-
Total Assets	26.43M	21.68M	32.16M	25.91M	22.83M
Liabilities
Accounts Payable, Total	168K	177K	681K	685K	1.31M
Accrued Expenses, Total	3.4M	2.52M	1.5M	963K	739K
Short-Term Borrowings	3.92M	1.57M	1.36M	1.23M	1.09M
Current Income Taxes Payable	-	66K	403K	55K	29K
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	534K	917K	959K	1.12M	1.21M
Unearned Revenue Non Current	-	-	-	-	-
Pension & Other Post Retirement Benefits	93K	101K	113K	141K	176K
Deferred Tax Liability Non-Current	-	33K	-	-	-
Other Non Current Liabilities	710K	793K	971K	909K	813K
Total Liabilities	8.82M	6.18M	5.98M	5.1M	5.36M
Common Stock, Total	11.16M	11.16M	11.16M	11.16M	10.63M
Additional Paid In Capital	6.77M	-	1.07M	1.07M	-
Retained Earnings	-2.15M	-868K	-1.28M	-2.93M	-1.9M
Treasury Stock	-	-	-	-	-
Comprehensive Income and Other	1.83M	5.19M	10.19M	5.84M	4.3M
Total Common Equity	17.61M	15.48M	21.13M	15.14M	13.03M
Minority Interest	-	8K	5.04M	5.68M	4.44M
Total Equity	17.61M	15.49M	26.17M	20.81M	17.47M
Total Liabilities And Equity	26.43M	21.68M	32.16M	25.91M	22.83M
Supplemental Items
ECS Total Shares Outstanding on Filing Date	36.94M	36.94M	36.94M	36.94M	36.94M
ECS Total Common Shares Outstanding	36.94M	36.94M	36.94M	36.94M	36.94M
Book Value / Share	0.48	0.42	0.57	0.41	0.35
Tangible Book Value	17.58M	15.44M	21.06M	15.08M	12.78M
Tangible Book Value Per Share	0.48	0.42	0.57	0.41	0.35
Total Debt	3.92M	1.57M	1.36M	1.23M	1.09M
Net Debt	-11.86M	-11.35M	-21.69M	-9.15M	-3.33M
Equity Method Investments, Total	10K	10K	10K	7K	7K
Full Time Employees	-	9	13	19	16
Part Time Employees	-	42	35	25	25

Fiscal Period: December	2019	2020	2021	2022	2023
Net Income	-2.74M	-1.42M	-1.72M	-3.36M	-1.9M
Depreciation, Depletion & Amortization	43K	36K	15K	13K	21K
Amortization of Goodwill and Intangible Assets - (CF)	40K	6K	10K	19K	21K
Total Depreciation, Depletion & Amortization	83K	42K	25K	32K	42K
(Gain) Loss on Sale of Investments - (CF)	1.05M	924K	1.32M	-1.03M	290K
Total Asset Writedown	-	18K	0	-	1K
Provision for Credit Losses	246K	-260K	19K	23K	148K
Change in Trading Asset Securities	-2.71M	-2.69M	80K	5.54M	-942K
Change in Other Net Operating Assets (Collected)	2.98M	44K	980K	-7.36M	-2.48M
Other Operating Activities	-29K	-100K	-85K	-1.99M	-1.19M
Cash from Operations	-1.12M	-3.44M	625K	-8.15M	-6.03M
Capital Expenditure	-14K	-4K	-3K	-35K	-59K
Sale of Property, Plant, and Equipment	-	-	6K	-	-
Purchase / Sale of Intangible Assets	-8K	-26K	-26K	-9K	-208K
Investment in Marketable and Equity Securities, Total	-	-	-	1.5M	-
Cash from Investing	-22K	-30K	-23K	1.46M	-267K
Issuance of Common Stock	-	-	13.4M	-	-
Repurchase of Common Stock	-10K	-	-	-	-301K
Common Dividends Paid	-	-	-	-1.48M	-
Common & Preferred Stock Dividends Paid	-	-	-	-1.48M	-
Special Dividend Paid	-2.96M	-702K	-997K	-	-
Cash from Financing	-2.96M	-702K	12.41M	-1.48M	-301K
Net Change in Cash	-4.11M	-4.18M	13.01M	-8.17M	-6.6M

Fiscal Period: December	2019	2020	2021	2022	2023
Profitability
Return on Assets	-9.37	-5.91	-6.38	-15.44	-12.47
Return On Equity %	-13.39	-8.59	-8.24	-19.08	-15.88
Return on Common Equity	-13.39	-8.6	-9.37	-26.73	-13.49
Margin Analysis
Gross Profit Margin %	-17.55	30.39	54.76	83.78	80.53
SG&A Margin	318.69	144.96	93.81	63.24	133.24
Income From Continuing Operations Margin %	-390.87	-110.23	-76.45	-94.3	-120.98
Net Income Margin %	-390.87	-110.31	-76.4	-70.65	-75.64
Net Avail. For Common Margin %	-390.87	-110.31	-76.4	-101.98	-75.64
Normalized Net Income Margin	-236.36	-84.48	-57.47	-12.03	-55.7
Asset Turnover
Asset Turnover	0.02	0.05	0.08	0.16	0.1
Short Term Liquidity
Current Ratio	3.17	3.96	6.34	6.21	5.03
Quick Ratio	3.15	3.56	6.33	5.91	4.14
Operating Cash Flow to Current Liabilities	-0.14	-0.66	0.13	-2.01	-1.38
Long Term Solvency
Total Debt/Equity	22.25	10.15	5.18	5.91	6.22
Total Debt / Total Capital	18.2	9.21	4.92	5.58	5.86
Total Liabilities / Total Assets	33.37	28.52	18.61	19.68	23.48
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	-61.18	84.02	74.11	111.62	-47.15
Gross Profit, 1 Yr. Growth %	-114.5	-418.7	213.78	223.74	-49.2
Earnings From Cont. Operations, 1 Yr. Growth %	-33.46	-48.1	20.75	161.04	-32.2
Net Income, 1 Yr. Growth %	-432.52	-48.07	20.59	95.69	-43.42
Normalized Net Income, 1 Yr. Growth %	-4.02	-34.23	17.25	-55.7	144.66
Diluted EPS Before Extra, 1 Yr. Growth %	-29.35	-48.07	20.59	182.46	-60.8
Common Equity, 1 Yr. Growth %	-24.46	-12.07	36.44	-28.37	-13.93
Total Assets, 1 Yr. Growth %	-17.56	-17.99	48.36	-19.43	-11.9
Tangible Book Value, 1 Yr. Growth %	-24.38	-12.2	36.46	-28.41	-15.22
Cash From Operations, 1 Yr. Growth %	-47.21	206.41	-118.15	-1.4K	-25.98
Capital Expenditures, 1 Yr. Growth %	180	-71.43	-25	1.07K	68.57
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-76.19	-15.48	79	91.95	5.76
Gross Profit, 2 Yr. CAGR %	-85.86	-32.01	216.23	218.72	28.25
Earnings From Cont. Operations, 2 Yr. CAGR %	-9.52	-41.24	-20.84	77.54	33.04
Net Income, 2 Yr. CAGR %	20.37	31.41	-20.86	53.62	5.22
Normalized Net Income, 2 Yr. CAGR %	-10.57	-20.55	-11.73	-27.93	4.11
Diluted EPS Before Extra, 2 Yr. CAGR %	-3.7	-39.43	-20.86	84.56	5.22
Common Equity, 2 Yr. CAGR %	-17.9	-18.5	9.53	-1.14	-21.48
Total Assets, 2 Yr. CAGR %	-22.97	-17.77	10.31	9.33	-15.75
Tangible Book Value, 2 Yr. CAGR %	-17.77	-18.52	9.46	-1.16	-22.09
Cash From Operations, 2 Yr. CAGR %	-65.66	27.19	-25.43	53.85	210.72
Capital Expenditures, 2 Yr. CAGR %	-60.56	-10.56	-53.71	195.8	343.47
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-64.16	-52.92	7.54	89.27	24.88
Gross Profit, 3 Yr. CAGR %	-75.55	-60.06	13.2	218.71	72.81
Earnings From Cont. Operations, 3 Yr. CAGR %	0.8	-24.82	-25.29	17.83	28.81
Net Income, 3 Yr. CAGR %	0.8	-9.04	27.7	7.01	10.12
Normalized Net Income, 3 Yr. CAGR %	9.61	-19.28	-9.23	-29.85	8.32
Diluted EPS Before Extra, 3 Yr. CAGR %	5.08	-21.62	-23.8	20.94	10.12
Common Equity, 3 Yr. CAGR %	-11.52	-16	-3.22	-4.92	-5.6
Total Assets, 3 Yr. CAGR %	-21.73	-21.35	0.1	-0.66	1.74
Tangible Book Value, 3 Yr. CAGR %	-11.36	-15.96	-3.24	-4.99	-6.09
Cash From Operations, 3 Yr. CAGR %	-48.56	-28.77	-33.54	93.57	20.55
Capital Expenditures, 3 Yr. CAGR %	-29.53	-64.58	-15.66	35.72	145.24
Dividend Per Share, 3 Yr. CAGR %	-	-	25.99	-	-
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	4.37	-32.94	-31.8	-17.4	6.82
Gross Profit, 5 Yr. CAGR %	-50.22	-40.49	-31.92	-8.34	18.99
Earnings From Cont. Operations, 5 Yr. CAGR %	-25.46	-14.47	-8.49	6.01	-5.9
Net Income, 5 Yr. CAGR %	-25.43	-14.45	-8.5	12.17	18.19
Normalized Net Income, 5 Yr. CAGR %	-24.26	-8.23	0.52	-22.7	-4.12
Diluted EPS Before Extra, 5 Yr. CAGR %	-23.55	-12.29	-6.19	10.41	-13.3
Common Equity, 5 Yr. CAGR %	-10.19	-10.68	-3.63	-10.34	-10.99
Total Assets, 5 Yr. CAGR %	-12.8	-16.09	-10.22	-10.27	-6.57
Tangible Book Value, 5 Yr. CAGR %	-10.19	-10.67	-3.56	-10.32	-11.27
Cash From Operations, 5 Yr. CAGR %	-38.09	17.19	-40.32	-3.08	23.16
Capital Expenditures, 5 Yr. CAGR %	-19.73	-42.92	-40.43	-17.21	63.82