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Financiera Efectiva S.A.
Main Activities: Banking and Credit Intermediation
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Company Information |
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Full name Financiera Efectiva S.A. Previous name(s) Edpyme Efectiva (2010) Financiera Efectiva (1999) Headquarters Av. Luis Gonzales 1315, Of. 302; Chiclayo; Lambayeque |
Status: Listed Legal Form: Public Limited Company Operational Status: Operational Fiscal ID (RUC): 20441805960 Incorporation Date: November 8, 1999 Total Employees: 757 Tel: +51-74-274867 |
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Company Description |
| Financiera Efectiva, is part to economic group EFE, with Tiedas Efe and Tiendas EFE Tacna. The Financial Company, was incorporated on November 3rd, 1999, as Edpyme Efectiva, however, since 2010, received permission to appear as a finance company. Financiera Efectiva, specializes in providing access to credit for the purchase of consumer goods, people in emerging segments with little support from their income, thereby inserting the national financial system, the company listed on the Stock Exchange | ||
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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 25.66%, from PEN 79,332.311 thousands to PEN 99,688.094 thousands. Operating result increased from PEN 55,330.855 thousands to PEN 60,855.276 thousands which means 9.98% change. The results of the period increased 11.95% reaching PEN 13,665.802 thousands at the end of the period against PEN 12,206.886 thousands last year. Return on equity (Net income/Total equity) went from 30.70% to 20.20%, the Return On Asset (Net income / Total Asset) went from 7.02% to 6.28% and the Net Profit Margin (Net Income/Net Sales) went from 15.39% to 13.71% when compared to the same period of last year. The Debt to Equity Ratio (Total Liabilities/Equity) was 221.93% compared to 337.58% 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 |
243,532 |
217,768 |
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Total Liabilities |
174,206 |
150,123 |
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Shareholders Equity |
69,325 |
67,644 |
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| * All the accounts are in PEN. | ||
Income Statement
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Total Operating Revenue |
110,693 |
99,688 |
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Operational Profit (Loss) |
66,741 |
60,855 |
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Net Profit (Loss) |
15,347 |
13,665 |
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| * All the accounts are in PEN. | ||
Ratios
| Profitability Ratios | ||
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Return on Assets (ROA) |
6.3% |
6.28% |
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Return on Equity (ROE) |
22.14% |
20.2% |
| Valuation figures and ratios | ||
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EBITDA |
67,209 |
61,298 |
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Enterprise value |
172,901 |
149,139 |
| Leverage Ratios | ||
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Leverage ratio |
351.29% |
321.93% |
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Debt to equity |
251.29% |
221.93% |
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Debt to total assets |
71.53% |
68.94% |
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Debt / Enterprise Value |
100.76% |
100.66% |
| Trend Ratios | ||
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Net Income Trend |
114.36% |
111.95% |
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