Financiera Independencia SAB de CV (FINDEP*) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Gentera SAB de CV

Financiera Independencia SAB de CV

Why is Financiera Independencia SAB de CV ?

High Profitability with a Net Interest Margin of -0.39%

Healthy long term growth as Net profit has grown by an annual rate of 20.00%

Flat results in Jun 25

OPERATING PROFIT(Q) Lowest at MXN 204.14 MM
OPERATING PROFIT MARGIN(Q) Lowest at 16.16 %
PRE-TAX PROFIT(Q) Lowest at MXN 204.14 MM

With ROA of 6.39%, it has a expensive valuation with a 0.57 Price to Book Value

Over the past year, while the stock has generated a return of 9.38%, its profits have risen by 13% ; the PEG ratio of the company is 0.3

Underperformed the market in the last 1 year

The stock has generated a return of 9.38% in the last 1 year, much lower than market (Mexico IPC) returns of 26.18%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Financiera Independencia SAB de CV should be less than 10%
Overall Portfolio exposure to Finance should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Financiera Independencia SAB de CV for you?

Low Risk, Low Return

Absolute

Risk Adjusted

Volatility

Financiera Independencia SAB de CV

9.38%

-1.01

10.60%

Mexico IPC

25.36%

1.61

16.27%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

-1.70%

EBIT Growth (5y)

16.60%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

134.88%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.57

EV to EBIT

8.37

EV to EBITDA

5.87

EV to Capital Employed

0.74

EV to Sales

1.31

PEG Ratio

0.28

Dividend Yield

0.11%

ROCE (Latest)

8.88%

ROE (Latest)

15.49%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

Bearish

No Signal

Bollinger Bands

Mildly Bullish

Mildly Bearish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bearish

Dow Theory

No Trend

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

3What is working for the Company

OPERATING CASH FLOW(Y)

Highest at MXN 1,569.35 MM

CASH AND EQV(HY)

Highest at MXN 3,618.32 MM

-6What is not working for the Company

OPERATING PROFIT(Q)

Lowest at MXN 204.14 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 16.16 %

PRE-TAX PROFIT(Q)

Lowest at MXN 204.14 MM

NET PROFIT(Q)

Lowest at MXN 145.54 MM

EPS(Q)

Lowest at MXN 0.43

Here's what is working for Financiera Independencia SAB de CV

Operating Cash Flow

Highest at MXN 1,569.35 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (MXN MM)

Cash and Eqv

Highest at MXN 3,618.32 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Here's what is not working for Financiera Independencia SAB de CV

Operating Profit

Lowest at MXN 204.14 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (MXN MM)

Operating Profit Margin

Lowest at 16.16 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at MXN 204.14 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (MXN MM)

Pre-Tax Profit

At MXN 204.14 MM has Fallen at -25.84%

over average net sales of the previous four periods of MXN 275.28 MM

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (MXN MM)

Net Profit

Lowest at MXN 145.54 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (MXN MM)

EPS

Lowest at MXN 0.43

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (MXN)