Stock FINDEP * FINANCIERA INDEPENDENCIA S.A.B. DE C.V. SOFOM E.N.R.
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Financials Financiera Independencia S.A.B. de C.V. SOFOM E.N.R.

Equities

FINDEP *

MX00FI050003

Consumer Lending

End-of-day quote Mexican S.E.
Other stock markets
 18:00:00 2024-06-18 EDT 		5-day change 1st Jan Change
9.5 MXN 0.00% Intraday chart for Financiera Independencia S.A.B. de C.V. SOFOM E.N.R. 0.00% -5.00%
04-26 Transcript : Financiera Independencia S.A.B. de C.V. SOFOM E.N.R., Q1 2024 Earnings Call, Apr 26, 2024
04-25 Financiera Independencia S.A.B. de C.V. SOFOM E.N.R. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 1,497 2,750 2,288 2,483 2,483 3,104
Enterprise Value (EV) 1 7,921 9,838 7,100 7,145 7,363 6,806
P/E ratio 5.89 x 7.64 x -4.45 x 7.14 x 3.92 x 4.29 x
Yield - - - - - -
Capitalization / Revenue 0.42 x 0.74 x 0.73 x 0.73 x 0.71 x 0.91 x
EV / Revenue 2.22 x 2.64 x 2.26 x 2.1 x 2.1 x 1.99 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.35 x 0.61 x 0.56 x 0.56 x 0.53 x 0.59 x
Nbr of stocks (in thousands) 317,124 323,508 311,320 310,363 310,363 310,363
Reference price 2 4.720 8.500 7.350 8.000 8.000 10.00
Announcement Date 5/2/19 4/30/20 4/30/21 5/3/22 4/28/23 4/29/24
1MXN in Million2MXN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 3,566 3,727 3,143 3,403 3,512 3,418
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 354.2 451.4 100.7 658.7 900.9 1,008
Net income 1 262.1 323.9 -412.7 346.9 625 710
Net margin 7.35% 8.69% -13.13% 10.19% 17.8% 20.77%
EPS 2 0.8011 1.112 -1.653 1.120 2.040 2.331
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 5/2/19 4/30/20 4/30/21 5/3/22 4/28/23 4/29/24
1MXN in Million2MXN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 6,424 7,088 4,812 4,662 4,880 3,702
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 6.23% 7.57% 1.09% 11.3% 13.7% 14.1%
ROA (Net income/ Total Assets) 2.15% 2.62% 0.4% 4.52% 5.64% 6.38%
Assets 1 12,197 12,383 -104,390 7,667 11,086 11,120
Book Value Per Share 2 13.60 13.90 13.10 14.30 15.20 17.00
Cash Flow per Share 2 1.390 1.450 2.770 1.450 3.390 2.350
Capex 1 53.7 89.2 34.3 23.9 51.5 38.9
Capex / Sales 1.51% 2.39% 1.09% 0.7% 1.47% 1.14%
Announcement Date 5/2/19 4/30/20 4/30/21 5/3/22 4/28/23 4/29/24
1MXN in Million2MXN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Other Consumer Lending

1st Jan change Capi.
FINANCIERA INDEPENDENCIA S.A.B. DE C.V. SOFOM E.N.R. Stock Financiera Independencia S.A.B. de C.V. SOFOM E.N.R.
-5.00% 161M
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Other Consumer Lending
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