Stock MIBANC1 MIBANCO BANCO DE LA MICROEMPRESA S.A.
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Financials Mibanco Banco de la Microempresa S.A.

Equities

MIBANC1

PEP133001003

Banks

End-of-day quote Lima
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
1.76 PEN 0.00% Intraday chart for Mibanco Banco de la Microempresa S.A. 0.00% -12.00%
Apr. 18 Mibanco Banco de la Microempresa S.A. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
Jan. 18 Mibanco Banco de la Microempresa S.A. Reports Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 3,722 3,506 3,506 3,686 3,681 3,681
Enterprise Value (EV) 1 3,418 3,586 6,042 7,396 6,475 6,030
P/E ratio 8.26 x 8.95 x -99.6 x 20.6 x 8.4 x 13.8 x
Yield - - - - - -
Capitalization / Revenue 2.26 x 2.12 x 3.42 x 2.62 x 2.07 x 2.5 x
EV / Revenue 2.07 x 2.17 x 5.9 x 5.26 x 3.64 x 4.1 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 2.08 x 1.78 x 1.5 x 1.67 x 1.4 x 1.28 x
Nbr of stocks (in thousands) 1,643,688 1,643,688 1,643,688 1,840,606 1,840,606 1,840,606
Reference price 2 2.264 2.133 2.133 2.003 2.000 2.000
Announcement Date 3/26/19 5/13/20 3/31/21 3/30/22 3/30/23 3/27/24
1PEN in Million2PEN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 1,648 1,655 1,024 1,406 1,780 1,470
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 638.5 552.9 -30.55 278.9 593.6 274.9
Net income 1 450.7 391.8 -35.2 179.1 438.4 265.9
Net margin 27.35% 23.67% -3.44% 12.74% 24.63% 18.09%
EPS 2 0.2742 0.2382 -0.0214 0.0973 0.2382 0.1445
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 3/26/19 5/13/20 3/31/21 3/30/22 3/30/23 3/27/24
1PEN in Million2PEN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - 80.5 2,536 3,710 2,794 2,349
Net Cash position 1 303 - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 26.7% 20.9% -1.64% 7.88% 18.1% 9.67%
ROA (Net income/ Total Assets) 3.59% 3% -0.24% 1.14% 2.68% 1.59%
Assets 1 12,542 13,044 14,387 15,716 16,361 16,751
Book Value Per Share 2 1.090 1.200 1.420 1.200 1.430 1.560
Cash Flow per Share 2 0.4900 0.6500 1.110 0.6000 0.9900 0.5700
Capex 1 36.4 37.9 11 11.1 19.7 42.1
Capex / Sales 2.21% 2.29% 1.07% 0.79% 1.11% 2.87%
Announcement Date 3/26/19 5/13/20 3/31/21 3/30/22 3/30/23 3/27/24
1PEN in Million2PEN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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1st Jan change Capi.
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