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Mercantil Financeira S.A. - Crédito, Financiamento e Investimento (MERC4.SA)
Key financial summary
Financials in BRL| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | BRL m | 54 | 50 | 50 | 46 | 84 | 103 | 109 |
| Operating profit | BRL m | 4 | 6 | |||||
| Net profit | BRL m | 9 | 13 | -6 | 3 | 25 | 31 | 31 |
| EPS reported | BRL | 0.77 | 0.76 | |||||
| Operating cashflow per share | BRL | 0.35 | -5.58 | |||||
| Capex per share | BRL | 0.35 | 0.79 | |||||
| FCF per share | BRL | -5.47 | -5.47 | |||||
| Free cash flow | BRL m | -224 | -224 | |||||
| Net debt | BRL m | 7 | 7 | |||||
| Book value equity | BRL m | 590 | 590 | |||||
| Book value per share | BRL | 14.39 | 14.39 | |||||
| Number of shares | m | 41 | 41 | |||||
| DPS (TTM paid) | BRL | 0.53 | 0.53 |
Financial summary
Financials in BRL| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 16.23 | 21.25 | |||||
| P/B LTM | x | 0.87 | 0.47 | |||||
| P/S LTM | x | 4.96 | 2.52 | |||||
| P/FCF LTM | x | -2.28 | -1.23 | |||||
| EV/EBITDA LTM | x | 144.98 | -20.33 | |||||
| EV/Sales LTM | x | 4.86 | 2.59 | |||||
| Earnings Yield LTM | % | 6.16% | 4.71% | |||||
| FCF Yield | % | -43.78% | -81.62% | |||||
| Quality | ||||||||
| ROE | % | 5.33% | 5.33% | |||||
| ROIC | % | 0.57% | 0.92% | |||||
| Operating margin | % | 3.29% | 4.99% | |||||
| Gross margin | % | 98.29% | 97.18% | |||||
| FCF/Sales | % | -209.95% | -197.28% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +26.23% | +26.23% | |||||
| Sales Growth YoY | % | +23.19% | +23.19% | |||||
| Net Income Growth YoY | % | +25.16% | +25.16% | |||||
| FCF Growth | % | - | - | |||||
| Operating Profit Growth | % | -91.15% | -91.15% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 2.42% | 3.26% | |||||
| Dividend Growth | % | 0.00% | 0.00% | |||||
| Payout Ratio | % | 39.25% | 39.52% | |||||
| FCF/Debt | x | -25.08 | -25.08 | |||||
| Net Debt/EBITDA | x | 2.04 | -0.53 | |||||
| EBIT/Net interest | x | 1.02 | 1.21 | |||||
| Net debt/market cap | % | 1.43% | 2.67% | |||||
| Net debt/Equity | x | 0.01 | 0.01 | |||||
| Gross debt/equity | x | 0.02 | 0.02 | |||||
Company overview
Mercantil Financeira S.A. - Crédito, Financiamento e Investimento is a Brazilian financial institution delivering various financial products, primarily focusing on Direct Consumer Credit and Payroll Loans. Its services encompass facilitating bill updates, restructuring debts and agreements, and providing both personal and legal financing. Founded in 1943 and headquartered in Belo Horizonte, Brazil, the company was formerly known as Creditaqui Financeira S.A. - Crédito, Financiamento e Investimento and operates as a subsidiary of Banco Mercantil do Brasil S.A.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Mercantil Financeira S.A. - Crédito, Financiamento e Investimento (MERC4.SA)
Mercantil Financeira S.A. - Crédito, Financiamento e Investimento is a Brazilian financial institution delivering various financial products, primarily focusing on Direct Consumer Credit and Payroll Loans. Its services encompass facilitating bill updates, restructuring debts and agreements, and providing both personal and legal financing. Founded in 1943 and headquartered in Belo Horizonte, Brazil, the company was formerly known as Creditaqui Financeira S.A. - Crédito, Financiamento e Investimento and operates as a subsidiary of Banco Mercantil do Brasil S.A.
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