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Empresa Financiera Edyficar S.A.
Main Activities: Banking and Credit Intermediation
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Company Information |
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Full name Empresa Financiera Edyficar S.A. Previous name(s) Entidad para el Desarrollo de la Pequena y Microempresa Edpyme Edyficar (2008) Headquarters Av. Paseo de La Republica 3717, Urb. Limatambo; Lima; Lima; LIMA 27 |
Status: Listed Legal Form: Public Limited Company Operational Status: Operational Fiscal ID (RUC): 20375312868 Financial Auditors: PricewaterhouseCoopers (2010) Incorporation Date: November 28, 1997 Total Employees: 2,863 Tel: +51-1-3195555 |
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Company Description |
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Empresa Financiera Edyficar began operations in 1998. In March 2008 it was authorised to operate as a financial institution. Its aim is to promote financials services to people and small businesses that have little amount of capital and different extents of development. The company is a subsidiary of Banco de Credito del Peru (BCP), which is part of the economic group Credicorp. Until June 2011, Edyficar counted with 2.054 employees, 29 agencies, 45 special offices and 28 offices on a national |
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Company Analysis |
| According to the Consolidated - Audited financial statement for the first eleven cumulated months of 2012, total net operating revenues increased with 37.23%, from PEN 342,105.126 thousands to PEN 469,483.455 thousands. Operating result increased from PEN 242,687.279 thousands to PEN 310,963.02 thousands which means 28.13% change. The results of the period increased 26.24% reaching PEN 78,045.714 thousands at the end of the period against PEN 61,824.985 thousands last year. Return on equity (Net income/Total equity) went from 29.69% to 31.13%, the Return On Asset (Net income / Total Asset) went from 3.77% to 2.70% and the Net Profit Margin (Net Income/Net Sales) went from 18.07% to 16.62% when compared to the same period of last year. The Debt to Equity Ratio (Total Liabilities/Equity) was 1051.45% compared to 688.08% of last year. |
Key Executives |
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Companies with Similar Main Activities |
FULL COMPANY PROFILE
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2012 Y (cons) |
2012 M11C (cons) |
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| Audited | Audited | |
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| SBS Financial Companies FS | SBS Financial Companies FS | |
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| Unit | Thousands | Thousands |
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Balance Sheet
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Total Assets |
2,715,001 |
2,886,998 |
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Total Liabilities |
2,454,605 |
2,636,271 |
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Shareholders Equity |
260,396 |
250,727 |
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| * All the accounts are in PEN. | ||
Income Statement
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Total Operating Revenue |
520,845 |
469,483 |
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Operational Profit (Loss) |
345,448 |
310,963 |
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Net Profit (Loss) |
87,714 |
78,045 |
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| * All the accounts are in PEN. | ||
Ratios
| Profitability Ratios | ||
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Return on Assets (ROA) |
3.23% |
2.7% |
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Return on Equity (ROE) |
33.69% |
31.13% |
| Valuation figures and ratios | ||
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EBITDA |
353,732 |
318,206 |
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Enterprise value |
2,858,361 |
3,041,445 |
| Leverage Ratios | ||
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Leverage ratio |
1,042.64% |
1,151.45% |
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Debt to equity |
942.64% |
1,051.45% |
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Debt to total assets |
90.41% |
91.32% |
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Debt / Enterprise Value |
85.87% |
86.68% |
| Market ratios | ||
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Price/Book Ratio |
0.34 |
0.34 |
| Trend Ratios | ||
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Net Income Trend |
138.27% |
126.24% |
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