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Financeira Alfa S.A. - Crédito Financiamento e Investimentos
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PenkeI guess you are interested in Financeira Alfa S.A. - Crédito Financiamento e Investimentos. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

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Quick analysis of Financeira Alfa S.A. - Crédito Financiamento e Investimentos (30 sec.)










What can you expect buying and holding a share of Financeira Alfa S.A. - Crédito Financiamento e Investimentos? (30 sec.)

How much money do you get?

How much money do you get?
R$0.04
When do you have the money?
1 year
How often do you get paid?
70.0%

What is your share worth?

Current worth
R$10.53
Expected worth in 1 year
R$10.53
How sure are you?
87.5%

+ What do you gain per year?

Total Gains per Share
R$0.19
Return On Investment
2.7%

For what price can you sell your share?

Current Price per Share
R$6.98
Expected price per share
R$5.84 - R$
How sure are you?
50%

1. Valuation of Financeira Alfa S.A. - Crédito Financiamento e Investimentos (5 min.)




Live pricePrice per Share (EOD)

R$6.98

Intrinsic Value Per Share

R$776.32 - R$927.27

Total Value Per Share

R$786.85 - R$937.80

2. Growth of Financeira Alfa S.A. - Crédito Financiamento e Investimentos (5 min.)




Is Financeira Alfa S.A. - Crédito Financiamento e Investimentos growing?

Current yearPrevious yearGrowGrow %
How rich?$217.2m$218m-$374.5k-0.2%

How much money is Financeira Alfa S.A. - Crédito Financiamento e Investimentos making?

Current yearPrevious yearGrowGrow %
Making money$998.4k$1.7m-$773.1k-77.4%
Net Profit Margin1.0%2.5%--

How much money comes from the company's main activities?

3. Financial Health of Financeira Alfa S.A. - Crédito Financiamento e Investimentos (5 min.)




4. Comparing to competitors in the Financial Conglomerates industry (5 min.)




  Industry Rankings (Financial Conglomerates)  


Richest
#21 / 39

Most Revenue
#18 / 39

Most Profit
#20 / 39

What can you expect buying and holding a share of Financeira Alfa S.A. - Crédito Financiamento e Investimentos? (5 min.)

Welcome investor! Financeira Alfa S.A. - Crédito Financiamento e Investimentos's management wants to use your money to grow the business. In return you get a share of Financeira Alfa S.A. - Crédito Financiamento e Investimentos.

What can you expect buying and holding a share of Financeira Alfa S.A. - Crédito Financiamento e Investimentos?

First you should know what it really means to hold a share of Financeira Alfa S.A. - Crédito Financiamento e Investimentos. And how you can make/lose money.

Speculation

The Price per Share of Financeira Alfa S.A. - Crédito Financiamento e Investimentos is R$6.98. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Financeira Alfa S.A. - Crédito Financiamento e Investimentos.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Financeira Alfa S.A. - Crédito Financiamento e Investimentos, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is R$10.53. Based on the TTM, the Book Value Change Per Share is R$0.00 per quarter. Based on the YOY, the Book Value Change Per Share is R$0.05 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is R$0.05 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Financeira Alfa S.A. - Crédito Financiamento e Investimentos.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 R$% of Price per ShareR$% of Price per ShareR$% of Price per ShareR$% of Price per ShareR$% of Price per Share
Usd Eps0.000.0%0.010.1%0.020.3%0.030.4%0.030.4%
Usd Book Value Change Per Share-0.02-0.3%0.000.0%0.010.1%0.020.3%-0.01-0.2%
Usd Dividend Per Share0.020.3%0.010.1%0.030.4%0.020.3%0.010.2%
Usd Total Gains Per Share0.00-0.1%0.010.1%0.040.5%0.040.5%0.000.0%
Usd Price Per Share1.17-1.12-0.90-1.08-0.79-
Price to Earnings Ratio-85.54-12.48-26.16-13.19-8.61-
Price-to-Total Gains Ratio-238.98--70.27--37.58--4.08-11.27-
Price to Book Ratio0.55-0.53-0.42-0.54-0.40-
Price-to-Total Gains Ratio-238.98--70.27--37.58--4.08-11.27-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share1.40298
Number of shares712
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.010.02
Usd Book Value Change Per Share0.000.02
Usd Total Gains Per Share0.010.04
Gains per Quarter (712 shares)6.7926.33
Gains per Year (712 shares)27.17105.30
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
127-017545195
255-044109102200
382-071163153305
4109-098218203410
5136-1125272254515
6164-1152327305620
7191-1179381356725
8218-1206436407830
9245-1233490458935
10273-12605445091040

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share3.01.00.075.0%11.01.00.091.7%19.01.00.095.0%39.01.00.097.5%95.01.00.099.0%
Book Value Change Per Share2.02.00.050.0%9.03.00.075.0%17.03.00.085.0%35.05.00.087.5%91.05.00.094.8%
Dividend per Share3.00.01.075.0%11.00.01.091.7%19.00.01.095.0%28.00.012.070.0%28.00.068.029.2%
Total Gains per Share2.02.00.050.0%9.03.00.075.0%17.03.00.085.0%35.05.00.087.5%91.05.00.094.8%

Fundamentals of Financeira Alfa S.A. - Crédito Financiamento e Investimentos

About Financeira Alfa S.A. - Crédito Financiamento e Investimentos

Financeira Alfa S.A. - Crédito, Financiamento e Investimentos provides credit solutions in Brazil. It offers direct consumer credit; discount on receivables; special financing; personal credit; hybrid and electric vehicles, electric chargers, photovoltaic panels, and premium bicycles financing services; payroll loans; vehicle leasing; and aircrafts and vessels credit solutions. The company was incorporated in 1954 and is headquartered in São Paulo, Brazil. Financeira Alfa S.A. - Crédito, Financiamento e Investimentos operates as a subsidiary of Conglomerado Financeiro Alfa S.A.

Fundamental data was last updated by Penke on 2024-03-08 18:44:03.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is not making a profit/loss.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating less efficient.
The company is efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is just able to pay all its short-term debts.
The company is able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Financeira Alfa S.A. - Crédito Financiamento e Investimentos.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Financeira Alfa S.A. - Crédito Financiamento e Investimentos earns for each R$1 of revenue.

  • Above 10% is considered healthy but always compare Financeira Alfa S.A. - Crédito Financiamento e Investimentos to the Financial Conglomerates industry mean.
  • A Net Profit Margin of -0.3% means that R$0.00 for each R$1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Financeira Alfa S.A. - Crédito Financiamento e Investimentos:

  • The MRQ is -0.3%. The company is not making a profit/loss.
  • The TTM is 1.0%. The company is not making a profit/loss.
Trends
Current periodCompared to+/- 
MRQ-0.3%TTM1.0%-1.3%
TTM1.0%YOY2.5%-1.6%
TTM1.0%5Y7.5%-6.5%
5Y7.5%10Y6.9%+0.6%
Compared to industry (Financial Conglomerates)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.3%2.6%-2.9%
TTM1.0%2.4%-1.4%
YOY2.5%5.5%-3.0%
5Y7.5%3.4%+4.1%
10Y6.9%6.6%+0.3%
1.1.2. Return on Assets

Shows how efficient Financeira Alfa S.A. - Crédito Financiamento e Investimentos is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Financeira Alfa S.A. - Crédito Financiamento e Investimentos to the Financial Conglomerates industry mean.
  • 0.0% Return on Assets means that Financeira Alfa S.A. - Crédito Financiamento e Investimentos generated R$0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Financeira Alfa S.A. - Crédito Financiamento e Investimentos:

  • The MRQ is 0.0%. Using its assets, the company is very inefficient in making profit. -2
  • The TTM is 0.0%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.0%TTM0.0%0.0%
TTM0.0%YOY0.1%0.0%
TTM0.0%5Y0.2%-0.1%
5Y0.2%10Y0.2%0.0%
Compared to industry (Financial Conglomerates)
PeriodCompanyIndustry (mean)+/- 
MRQ0.0%0.1%-0.1%
TTM0.0%0.1%-0.1%
YOY0.1%0.2%-0.1%
5Y0.2%0.2%0.0%
10Y0.2%0.6%-0.4%
1.1.3. Return on Equity

Shows how efficient Financeira Alfa S.A. - Crédito Financiamento e Investimentos is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Financeira Alfa S.A. - Crédito Financiamento e Investimentos to the Financial Conglomerates industry mean.
  • -0.2% Return on Equity means Financeira Alfa S.A. - Crédito Financiamento e Investimentos generated R$0.00 for each R$1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Financeira Alfa S.A. - Crédito Financiamento e Investimentos:

  • The MRQ is -0.2%. Using its investors money, the company is very inefficient in making profit. -2
  • The TTM is 0.5%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ-0.2%TTM0.5%-0.6%
TTM0.5%YOY0.8%-0.4%
TTM0.5%5Y1.5%-1.0%
5Y1.5%10Y1.5%0.0%
Compared to industry (Financial Conglomerates)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.2%1.4%-1.6%
TTM0.5%1.5%-1.0%
YOY0.8%1.3%-0.5%
5Y1.5%1.5%+0.0%
10Y1.5%1.5%+0.0%

1.2. Operating Efficiency of Financeira Alfa S.A. - Crédito Financiamento e Investimentos.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Financeira Alfa S.A. - Crédito Financiamento e Investimentos is operating .

  • Measures how much profit Financeira Alfa S.A. - Crédito Financiamento e Investimentos makes for each R$1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Financeira Alfa S.A. - Crédito Financiamento e Investimentos to the Financial Conglomerates industry mean.
  • An Operating Margin of -0.4% means the company generated R$0.00  for each R$1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Financeira Alfa S.A. - Crédito Financiamento e Investimentos:

  • The MRQ is -0.4%. The company is operating very inefficient. -2
  • The TTM is 1.3%. The company is operating less efficient.
Trends
Current periodCompared to+/- 
MRQ-0.4%TTM1.3%-1.7%
TTM1.3%YOY-1.9%+3.1%
TTM1.3%5Y18.6%-17.3%
5Y18.6%10Y24.9%-6.3%
Compared to industry (Financial Conglomerates)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.4%1.8%-2.2%
TTM1.3%8.2%-6.9%
YOY-1.9%2.7%-4.6%
5Y18.6%10.9%+7.7%
10Y24.9%14.0%+10.9%
1.2.2. Operating Ratio

Measures how efficient Financeira Alfa S.A. - Crédito Financiamento e Investimentos is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Financial Conglomerates industry mean).
  • An Operation Ratio of 0.07 means that the operating costs are R$0.07 for each R$1 in net sales.

Let's take a look of the Operating Ratio trends of Financeira Alfa S.A. - Crédito Financiamento e Investimentos:

  • The MRQ is 0.074. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.761. The company is efficient in keeping operating costs low. +1
Trends
Current periodCompared to+/- 
MRQ0.074TTM0.761-0.687
TTM0.761YOY0.999-0.238
TTM0.7615Y1.182-0.421
5Y1.18210Y0.655+0.527
Compared to industry (Financial Conglomerates)
PeriodCompanyIndustry (mean)+/- 
MRQ0.0741.007-0.933
TTM0.7611.002-0.241
YOY0.9991.031-0.032
5Y1.1821.067+0.115
10Y0.6550.938-0.283

1.3. Liquidity of Financeira Alfa S.A. - Crédito Financiamento e Investimentos.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Financeira Alfa S.A. - Crédito Financiamento e Investimentos is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Financial Conglomerates industry mean).
  • A Current Ratio of 0.93 means the company has R$0.93 in assets for each R$1 in short-term debts.

Let's take a look of the Current Ratio trends of Financeira Alfa S.A. - Crédito Financiamento e Investimentos:

  • The MRQ is 0.934. The company is just not able to pay all its short-term debts. -1
  • The TTM is 1.166. The company is just able to pay all its short-term debts.
Trends
Current periodCompared to+/- 
MRQ0.934TTM1.166-0.232
TTM1.166YOY23.786-22.619
TTM1.1665Y14.331-13.165
5Y14.33110Y7.703+6.628
Compared to industry (Financial Conglomerates)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9341.433-0.499
TTM1.1661.397-0.231
YOY23.7861.756+22.030
5Y14.3312.053+12.278
10Y7.7032.103+5.600
1.3.2. Quick Ratio

Measures if Financeira Alfa S.A. - Crédito Financiamento e Investimentos is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Financeira Alfa S.A. - Crédito Financiamento e Investimentos to the Financial Conglomerates industry mean.
  • A Quick Ratio of -0.01 means the company can pay off R$-0.01 for each R$1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Financeira Alfa S.A. - Crédito Financiamento e Investimentos:

  • The MRQ is -0.012. The company is unable to pay all its short-term debts with the most liquid assets. -2
  • The TTM is 1.493. The company is able to pay all its short-term debts with the most liquid assets. +1
Trends
Current periodCompared to+/- 
MRQ-0.012TTM1.493-1.505
TTM1.493YOY29.676-28.183
TTM1.4935Y17.636-16.144
5Y17.63610Y9.223+8.413
Compared to industry (Financial Conglomerates)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.0121.465-1.477
TTM1.4931.609-0.116
YOY29.6763.060+26.616
5Y17.6362.927+14.709
10Y9.2232.053+7.170

1.4. Solvency of Financeira Alfa S.A. - Crédito Financiamento e Investimentos.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Financeira Alfa S.A. - Crédito Financiamento e Investimentos assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Financeira Alfa S.A. - Crédito Financiamento e Investimentos to Financial Conglomerates industry mean.
  • A Debt to Asset Ratio of 0.94 means that Financeira Alfa S.A. - Crédito Financiamento e Investimentos assets are financed with 93.8% credit (debt) and the remaining percentage (100% - 93.8%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Financeira Alfa S.A. - Crédito Financiamento e Investimentos:

  • The MRQ is 0.938. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.926. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.938TTM0.926+0.011
TTM0.926YOY0.901+0.026
TTM0.9265Y0.885+0.041
5Y0.88510Y0.863+0.022
Compared to industry (Financial Conglomerates)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9380.790+0.148
TTM0.9260.782+0.144
YOY0.9010.756+0.145
5Y0.8850.734+0.151
10Y0.8630.695+0.168
1.4.2. Debt to Equity Ratio

Measures if Financeira Alfa S.A. - Crédito Financiamento e Investimentos is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Financeira Alfa S.A. - Crédito Financiamento e Investimentos to the Financial Conglomerates industry mean.
  • A Debt to Equity ratio of 1,546.9% means that company has R$15.47 debt for each R$1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Financeira Alfa S.A. - Crédito Financiamento e Investimentos:

  • The MRQ is 15.469. The company is unable to pay all its debts with equity. -1
  • The TTM is 13.018. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ15.469TTM13.018+2.451
TTM13.018YOY9.456+3.562
TTM13.0185Y8.601+4.417
5Y8.60110Y6.971+1.629
Compared to industry (Financial Conglomerates)
PeriodCompanyIndustry (mean)+/- 
MRQ15.4692.424+13.045
TTM13.0182.283+10.735
YOY9.4562.915+6.541
5Y8.6012.932+5.669
10Y6.9712.544+4.427

2. Market Valuation of Financeira Alfa S.A. - Crédito Financiamento e Investimentos

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every R$1 in earnings Financeira Alfa S.A. - Crédito Financiamento e Investimentos generates.

  • Above 15 is considered overpriced but always compare Financeira Alfa S.A. - Crédito Financiamento e Investimentos to the Financial Conglomerates industry mean.
  • A PE ratio of -85.54 means the investor is paying R$-85.54 for every R$1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Financeira Alfa S.A. - Crédito Financiamento e Investimentos:

  • The EOD is -102.594. Based on the earnings, the company is expensive. -2
  • The MRQ is -85.544. Based on the earnings, the company is expensive. -2
  • The TTM is 12.482. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD-102.594MRQ-85.544-17.050
MRQ-85.544TTM12.482-98.026
TTM12.482YOY26.155-13.673
TTM12.4825Y13.193-0.711
5Y13.19310Y8.606+4.587
Compared to industry (Financial Conglomerates)
PeriodCompanyIndustry (mean)+/- 
EOD-102.5943.079-105.673
MRQ-85.5442.296-87.840
TTM12.4825.731+6.751
YOY26.15514.630+11.525
5Y13.1939.111+4.082
10Y8.6069.441-0.835
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Financeira Alfa S.A. - Crédito Financiamento e Investimentos:

  • The EOD is 2.252. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 1.878. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 0.894. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD2.252MRQ1.878+0.374
MRQ1.878TTM0.894+0.984
TTM0.894YOY-0.970+1.863
TTM0.8945Y0.053+0.840
5Y0.05310Y0.027+0.027
Compared to industry (Financial Conglomerates)
PeriodCompanyIndustry (mean)+/- 
EOD2.2520.344+1.908
MRQ1.8780.274+1.604
TTM0.8940.076+0.818
YOY-0.9700.689-1.659
5Y0.053-1.094+1.147
10Y0.027-2.167+2.194
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Financeira Alfa S.A. - Crédito Financiamento e Investimentos is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Financial Conglomerates industry mean).
  • A PB ratio of 0.55 means the investor is paying R$0.55 for each R$1 in book value.

Let's take a look of the Price to Book Ratio trends of Financeira Alfa S.A. - Crédito Financiamento e Investimentos:

  • The EOD is 0.663. Based on the equity, the company is cheap. +2
  • The MRQ is 0.553. Based on the equity, the company is cheap. +2
  • The TTM is 0.528. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.663MRQ0.553+0.110
MRQ0.553TTM0.528+0.025
TTM0.528YOY0.423+0.105
TTM0.5285Y0.542-0.014
5Y0.54210Y0.399+0.143
Compared to industry (Financial Conglomerates)
PeriodCompanyIndustry (mean)+/- 
EOD0.6630.751-0.088
MRQ0.5530.761-0.208
TTM0.5280.782-0.254
YOY0.4230.958-0.535
5Y0.5421.009-0.467
10Y0.3991.184-0.785
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Financeira Alfa S.A. - Crédito Financiamento e Investimentos compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---0.1130.000-100%0.048-334%0.089-227%-0.054-52%
Book Value Per Share--10.52810.5520%10.5700%9.952+6%10.410+1%
Current Ratio--0.9341.166-20%23.786-96%14.331-93%7.703-88%
Debt To Asset Ratio--0.9380.926+1%0.901+4%0.885+6%0.863+9%
Debt To Equity Ratio--15.46913.018+19%9.456+64%8.601+80%6.971+122%
Dividend Per Share--0.0890.048+86%0.134-34%0.095-7%0.057+55%
Eps---0.0170.045-138%0.094-118%0.144-112%0.152-111%
Free Cash Flow Per Share--0.7753.546-78%3.833-80%4.219-82%4.219-82%
Free Cash Flow To Equity Per Share--31.42311.598+171%3.780+731%6.180+408%6.180+408%
Gross Profit Margin--1.0000.307+225%0.233+330%0.703+42%0.852+17%
Intrinsic Value_10Y_max--927.273--------
Intrinsic Value_10Y_min--776.325--------
Intrinsic Value_1Y_max--29.309--------
Intrinsic Value_1Y_min--28.752--------
Intrinsic Value_3Y_max--136.541--------
Intrinsic Value_3Y_min--129.375--------
Intrinsic Value_5Y_max--302.219--------
Intrinsic Value_5Y_min--276.340--------
Market Cap408877930.000-46%597437875.920571774736.920+4%458856925.320+30%549770152.736+9%377098160.493+58%
Net Profit Margin---0.0030.010-131%0.025-112%0.075-104%0.069-104%
Operating Margin---0.0040.013-135%-0.019+313%0.186-102%0.249-102%
Operating Ratio--0.0740.761-90%0.999-93%1.182-94%0.655-89%
Pb Ratio0.663+17%0.5530.528+5%0.423+31%0.542+2%0.399+38%
Pe Ratio-102.594-20%-85.54412.482-785%26.155-427%13.193-748%8.606-1094%
Price Per Share6.980+17%5.8205.570+4%4.470+30%5.354+9%3.907+49%
Price To Free Cash Flow Ratio2.252+17%1.8780.894+110%-0.970+152%0.053+3426%0.027+6952%
Price To Total Gains Ratio-286.606-20%-238.975-70.271-71%-37.577-84%-4.085-98%11.275-2220%
Quick Ratio---0.0121.493-101%29.676-100%17.636-100%9.223-100%
Return On Assets--0.0000.000-128%0.001-112%0.002-105%0.002-105%
Return On Equity---0.0020.005-135%0.008-120%0.015-111%0.015-111%
Total Gains Per Share---0.0240.047-151%0.182-113%0.184-113%0.003-845%
Usd Book Value--217225524.000217713501.7500%218088015.0000%205418050.350+6%182688902.043+19%
Usd Book Value Change Per Share---0.0230.000-100%0.010-334%0.018-227%-0.011-52%
Usd Book Value Per Share--2.1162.1210%2.1250%2.000+6%2.092+1%
Usd Dividend Per Share--0.0180.010+86%0.027-34%0.019-7%0.012+55%
Usd Eps---0.0030.009-138%0.019-118%0.029-112%0.031-111%
Usd Free Cash Flow--15985731.00073173597.750-78%79089128.250-80%69700518.750-77%34850259.375-54%
Usd Free Cash Flow Per Share--0.1560.713-78%0.770-80%0.848-82%0.848-82%
Usd Free Cash Flow To Equity Per Share--6.3162.331+171%0.760+731%1.242+408%1.242+408%
Usd Market Cap82184463.930-46%120085013.060114926722.121+4%92230241.989+30%110503800.700+9%75796730.259+58%
Usd Price Per Share1.403+17%1.1701.120+4%0.898+30%1.076+9%0.785+49%
Usd Profit---350946.000998417.250-135%1771614.000-120%3007814.250-112%2756629.575-113%
Usd Revenue--115145262.000106257142.500+8%75287514.750+53%59279402.400+94%50711551.275+127%
Usd Total Gains Per Share---0.0050.010-151%0.037-113%0.037-113%0.001-845%
 EOD+2 -6MRQTTM+11 -25YOY+10 -265Y+12 -2410Y+14 -22

3.2. Fundamental Score

Let's check the fundamental score of Financeira Alfa S.A. - Crédito Financiamento e Investimentos based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-15-102.594
Price to Book Ratio (EOD)Between0-10.663
Net Profit Margin (MRQ)Greater than0-0.003
Operating Margin (MRQ)Greater than0-0.004
Quick Ratio (MRQ)Greater than1-0.012
Current Ratio (MRQ)Greater than10.934
Debt to Asset Ratio (MRQ)Less than10.938
Debt to Equity Ratio (MRQ)Less than115.469
Return on Equity (MRQ)Greater than0.15-0.002
Return on Assets (MRQ)Greater than0.050.000
Total2/10 (20.0%)

3.3. Technical Score

Let's check the technical score of Financeira Alfa S.A. - Crédito Financiamento e Investimentos based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5080.491
Ma 20Greater thanMa 506.692
Ma 50Greater thanMa 1006.257
Ma 100Greater thanMa 2006.022
OpenGreater thanClose6.980
Total4/5 (80.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2022-12-312023-03-312023-06-302023-09-302023-12-31
Cash And Cash Equivalents  1386,094,9366,095,074738,3176,833,391-6,833,091300-130,984-130,684
Cash and Short Term Investments  5,887,6967,569,64313,457,339156,85513,614,194-6,327,8997,286,295-7,416,979-130,684
Income before Tax  11,543-9,6601,8831,2993,18213,75016,932-30,098-13,166
Net Income  11,090-9,9981,0926,9678,0594,40512,464-14,210-1,746



Latest Balance Sheet

Balance Sheet of 2023-12-31. All numbers in thousands.

Summary
Total Assets17,373,482
Total Liabilities16,292,758
Total Stockholder Equity1,053,278
 As reported
Total Liabilities 16,292,758
Total Stockholder Equity+ 1,053,278
Total Assets = 17,373,482

Assets

Total Assets17,373,482
Total Current Assets9,998,047
Long-term Assets7,375,435
Total Current Assets
Cash And Cash Equivalents -130,684
Other Current Assets 9,998,047
Total Current Assets  (as reported)9,998,047
Total Current Assets  (calculated)9,867,363
+/- 130,684
Long-term Assets
Property Plant Equipment 6,034
Long-term Assets Other 151,192
Long-term Assets  (as reported)7,375,435
Long-term Assets  (calculated)157,226
+/- 7,218,209

Liabilities & Shareholders' Equity

Total Current Liabilities10,703,898
Long-term Liabilities5,588,860
Total Stockholder Equity1,053,278
Total Current Liabilities
Short-term Debt 10,623,182
Other Current Liabilities 80,716
Total Current Liabilities  (as reported)10,703,898
Total Current Liabilities  (calculated)10,703,898
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)5,588,860
Long-term Liabilities  (calculated)0
+/- 5,588,860
Total Stockholder Equity
Common Stock529,540
Retained Earnings -5,467
Accumulated Other Comprehensive Income 530,612
Other Stockholders Equity -1,407
Total Stockholder Equity (as reported)1,053,278
Total Stockholder Equity (calculated)1,053,278
+/-0
Other
Cash and Short Term Investments -130,684
Common Stock Shares Outstanding 102,653
Liabilities and Stockholders Equity 17,373,482
Net Debt 16,125,574
Short Long Term Debt Total 15,994,890



Balance Sheet

All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-302010-06-302010-03-312009-12-312009-09-302009-06-302009-03-312008-12-312008-09-302008-06-302008-03-312007-12-312007-09-302007-06-302007-03-312006-12-312006-09-302006-06-302006-03-312005-12-312005-09-302005-06-302005-03-312004-12-312004-09-302004-06-302004-03-312003-12-312003-09-302003-06-302003-03-312002-12-312002-09-302002-06-302002-03-312001-12-312001-09-302001-06-302001-03-312000-12-312000-09-302000-06-302000-03-31
> Total Assets 
474,451
551,763
859,848
666,928
749,132
841,057
864,199
812,779
768,845
804,561
926,455
1,076,518
1,053,630
1,005,205
1,153,136
1,311,243
1,301,587
1,450,285
1,530,510
1,371,436
1,355,688
1,392,311
1,488,422
1,655,905
1,792,483
1,942,660
2,087,958
2,290,591
2,345,640
2,501,765
2,598,283
2,782,518
2,794,233
2,946,480
2,810,223
3,231,356
3,118,298
3,022,577
2,929,467
2,777,969
2,690,457
2,724,558
2,883,938
3,004,827
2,978,381
3,152,124
3,722,738
3,976,783
4,033,473
4,766,309
5,122,017
6,091,012
5,556,070
5,359,708
6,125,481
5,899,831
5,897,130
5,281,664
5,388,309
5,142,272
5,312,531
5,445,174
5,033,858
4,940,418
4,905,294
4,220,715
4,521,745
4,622,923
4,251,383
4,343,998
5,012,006
5,374,288
5,432,538
5,744,706
5,668,777
5,936,980
6,203,773
6,396,934
5,968,128
6,123,759
6,925,338
6,401,565
5,537,678
9,320,851
9,974,392
10,507,686
7,577,936
11,187,377
9,714,024
9,962,624
11,372,670
13,402,157
13,724,908
14,050,428
14,230,912
17,373,482
17,373,48214,230,91214,050,42813,724,90813,402,15711,372,6709,962,6249,714,02411,187,3777,577,93610,507,6869,974,3929,320,8515,537,6786,401,5656,925,3386,123,7595,968,1286,396,9346,203,7735,936,9805,668,7775,744,7065,432,5385,374,2885,012,0064,343,9984,251,3834,622,9234,521,7454,220,7154,905,2944,940,4185,033,8585,445,1745,312,5315,142,2725,388,3095,281,6645,897,1305,899,8316,125,4815,359,7085,556,0706,091,0125,122,0174,766,3094,033,4733,976,7833,722,7383,152,1242,978,3813,004,8272,883,9382,724,5582,690,4572,777,9692,929,4673,022,5773,118,2983,231,3562,810,2232,946,4802,794,2332,782,5182,598,2832,501,7652,345,6402,290,5912,087,9581,942,6601,792,4831,655,9051,488,4221,392,3111,355,6881,371,4361,530,5101,450,2851,301,5871,311,2431,153,1361,005,2051,053,6301,076,518926,455804,561768,845812,779864,199841,057749,132666,928859,848551,763474,451
   > Total Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,836,758
2,432,921
2,524,053
3,048,471
3,380,092
3,258,642
3,598,835
3,514,355
3,582,076
3,823,826
3,713,967
3,120,214
3,070,207
3,840,695
4,297,094
10,015,726
9,150,713
5,838,291
10,225,614
7,464,066
10,822,469
9,360,788
9,807,422
7,171,458
13,253,553
13,489,390
13,639,313
14,052,008
9,998,047
9,998,04714,052,00813,639,31313,489,39013,253,5537,171,4589,807,4229,360,78810,822,4697,464,06610,225,6145,838,2919,150,71310,015,7264,297,0943,840,6953,070,2073,120,2143,713,9673,823,8263,582,0763,514,3553,598,8353,258,6423,380,0923,048,4712,524,0532,432,9212,836,7580000000000000000000000000000000000000000000000000000000000000000000
       Cash And Cash Equivalents 
1,781
1,791
549
1,092
776
798
495
467
597
4,393
24,428
4,121
5,981
5,295
5,599
3,314
1,542
1,594
1,651
1,056
1,714
2,726
1,682
741
1,276
2,151
929
2,274
4,842
2,576
3,906
2,804
3,853
4,032
1,197
527,149
3,123
517,801
506,100
440,834
3,370
464,436
2,767
553,084
453,644
414,404
614,218
624,408
406,427
578,890
531,284
1,251,657
683,301
517,172
1,397,681
1,221,981
1,316,503
665,561
792,246
640,202
839,953
996,086
585,787
443,100
887,360
239,658
619,418
790,290
341,060
190,494
562,026
721,717
503,946
725,961
873,800
898,078
985,190
830,699
225,352
110,771
1,003,435
2,437,437
2,681,879
201
19,801
155
142
190
145
169
257
138
6,095,074
6,833,391
300
-130,684
-130,6843006,833,3916,095,07413825716914519014215519,8012012,681,8792,437,4371,003,435110,771225,352830,699985,190898,078873,800725,961503,946721,717562,026190,494341,060790,290619,418239,658887,360443,100585,787996,086839,953640,202792,246665,5611,316,5031,221,9811,397,681517,172683,3011,251,657531,284578,890406,427624,408614,218414,404453,644553,0842,767464,4363,370440,834506,100517,8013,123527,1491,1974,0323,8532,8043,9062,5764,8422,2749292,1511,2767411,6822,7261,7141,0561,6511,5941,5423,3145,5995,2955,9814,12124,4284,3935974674957987761,0925491,7911,781
       Short-term Investments 
29,664
8,678
14,488
16,445
11,585
13,946
14,483
13,296
11,162
2,682
2,798
13,493
4,828
28,806
11,500
10,251
8,911
16,784
16,040
44,983
34,672
47,332
62,374
30,908
37,934
36,062
79,887
80,284
105,896
129,322
126,721
169,566
167,930
165,661
90,666
1,927
558,236
60,971
48,012
32,857
395,000
78,713
632,697
67,472
68,608
86,691
170,262
200,309
231,436
318,257
354,303
365,056
345,657
351,996
310,523
241,013
267,808
274,533
284,692
197,011
125,588
129,393
129,922
18,837
97,857
181,606
189,364
195,455
236,275
378,010
428,579
346,825
402,632
337,716
348,906
0
624,850
757,556
769,148
810,118
566,051
150,746
6,780,341
1,618,260
1,949,796
2,424,929
701,930
3,996,910
2,407,356
240,312
198,755
5,887,558
7,362,265
6,780,803
7,285,995
0
07,285,9956,780,8037,362,2655,887,558198,755240,3122,407,3563,996,910701,9302,424,9291,949,7961,618,2606,780,341150,746566,051810,118769,148757,556624,8500348,906337,716402,632346,825428,579378,010236,275195,455189,364181,60697,85718,837129,922129,393125,588197,011284,692274,533267,808241,013310,523351,996345,657365,056354,303318,257231,436200,309170,26286,69168,60867,472632,69778,713395,00032,85748,01260,971558,2361,92790,666165,661167,930169,566126,721129,322105,89680,28479,88736,06237,93430,90862,37447,33234,67244,98316,04016,7848,91110,25111,50028,8064,82813,4932,7982,68211,16213,29614,48313,94611,58516,44514,4888,67829,664
       Net Receivables 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,761,267
1,807,842
1,842,605
1,992,293
2,160,915
2,250,530
2,360,719
1,980,388
1,921,685
2,009,011
2,032,107
2,094,652
2,129,617
2,247,030
1,688,454
6,764,780
7,430,616
3,849,150
7,653,630
6,617,480
6,702,018
6,818,927
7,026,632
10,896,098
7,243,832
6,964,137
6,721,873
0
0
006,721,8736,964,1377,243,83210,896,0987,026,6326,818,9276,702,0186,617,4807,653,6303,849,1507,430,6166,764,7801,688,4542,247,0302,129,6172,094,6522,032,1072,009,0111,921,6851,980,3882,360,7192,250,5302,160,9151,992,2931,842,6051,807,8421,761,2670000000000000000000000000000000000000000000000000000000000000000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
226,698
259,250
402,096
447,174
361,035
416,234
351,948
505,206
732,051
188,778
78,207
15,481
678,543
21,142
99,038
70,650
83,396
223,636
7,800,530
6,761,994
6,825,369
65,927
638
1,593
7,365,857
6,404,269
6,948,933
7,152,040
9,998,047
9,998,0477,152,0406,948,9336,404,2697,365,8571,59363865,9276,825,3696,761,9947,800,530223,63683,39670,65099,03821,142678,54315,48178,207188,778732,051505,206351,948416,234361,035447,174402,096259,250226,6980000000000000000000000000000000000000000000000000000000000000000000
   > Long-term Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,379,947
2,682,967
2,847,914
3,053,552
3,084,643
2,104,471
119,124
92,510
4,136,101
282,072
113,870
364,908
353,236
155,202
4,201,212
148,604
235,518
411,115
178,904
7,375,435
7,375,435178,904411,115235,518148,6044,201,212155,202353,236364,908113,870282,0724,136,10192,510119,1242,104,4713,084,6433,053,5522,847,9142,682,9672,379,9470000000000000000000000000000000000000000000000000000000000000000000000000000
       Property Plant Equipment 
1,464
1,626
1,713
1,701
1,685
1,780
1,788
1,857
1,796
1,725
1,676
1,607
1,537
1,455
1,426
1,348
1,241
1,145
1,200
1,184
1,178
1,201
1,216
1,169
1,193
1,355
1,476
1,501
1,419
1,555
1,590
1,965
2,442
2,697
2,976
2,993
2,813
2,792
2,896
2,836
2,665
2,580
2,410
2,308
2,258
2,365
2,421
2,288
2,395
2,514
2,514
2,553
2,749
3,262
3,614
4,698
4,669
4,451
5,101
4,899
4,712
4,762
4,700
5,102
5,428
5,612
5,749
6,013
5,895
5,421
5,339
5,957
6,108
6,222
7,069
7,510
7,674
7,682
7,507
7,465
7,318
7,018
6,976
7,197
7,807
3,586
3,870
4,101
3,622
7,944
7,941
8,218
8,227
7,262
6,502
6,034
6,0346,5027,2628,2278,2187,9417,9443,6224,1013,8703,5867,8077,1976,9767,0187,3187,4657,5077,6827,6747,5107,0696,2226,1085,9575,3395,4215,8956,0135,7495,6125,4285,1024,7004,7624,7124,8995,1014,4514,6694,6983,6143,2622,7492,5532,5142,5142,3952,2882,4212,3652,2582,3082,4102,5802,6652,8362,8962,7922,8132,9932,9762,6972,4421,9651,5901,5551,4191,5011,4761,3551,1931,1691,2161,2011,1781,1841,2001,1451,2411,3481,4261,4551,5371,6071,6761,7251,7961,8571,7881,7801,6851,7011,7131,6261,464
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
751
751
751
751
751
751
751
751
751
751
751
35
35
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000035357517517517517517517517517517517510000000000000000000000000000000000000000000000000000000000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
13
13
12
15
14
13
44
41
39
57
382
445
424
403
657
707
822
932
882
820
793
732
668
768
696
901
836
720
1,198
1,094
1,004
962
1,498
1,394
1,344
1,235
1,163
1,058
1,125
1,020
1,192
1,074
962
1,730
1,738
1,583
1,546
2,008
2,044
5,836
5,859
1,750
6,501
1,997
1,822
1,729
2,009
1,820
0
0
001,8202,0091,7291,8221,9976,5011,7505,8595,8362,0442,0081,5461,5831,7381,7309621,0741,1921,0201,1251,0581,1631,2351,3441,3941,4989621,0041,0941,19872083690169676866873279382088293282270765740342444538257394144131415121313000000000000000000000000000000000000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
988,026
915,790
1,564,940
2,575,840
1,246,503
1,640,822
1,951,928
2,616,928
701,930
4,262,005
0
0
0
0
0
0
0
0
000000004,262,005701,9302,616,9281,951,9281,640,8221,246,5032,575,8401,564,940915,790988,026000000000000000000000000000000000000000000000000000000000000000000000000000000
       Long-term Assets Other 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,379,947
2,682,967
2,847,914
3,053,552
3,084,643
0
108,133
62,573
0
2,511,416
110,000
4,094,052
2,516,919
42,348
4,292,358
5,914,675
7,483,402
6,906,895
61,079
151,192
151,19261,0796,906,8957,483,4025,914,6754,292,35842,3482,516,9194,094,052110,0002,511,416062,573108,13303,084,6433,053,5522,847,9142,682,9672,379,9470000000000000000000000000000000000000000000000000000000000000000000000000000
> Total Liabilities 
260,138
335,566
638,717
443,246
518,588
607,342
625,945
571,634
522,292
554,794
670,170
815,423
785,289
733,196
871,542
1,025,282
1,005,995
1,148,064
1,217,265
1,050,752
1,023,377
1,053,507
1,136,870
1,297,393
1,422,861
1,566,764
1,694,671
1,888,951
1,930,963
2,077,894
2,159,549
2,337,208
2,334,614
2,478,662
2,328,430
2,745,929
2,624,132
2,501,243
2,395,428
2,243,157
2,139,926
2,165,252
2,310,047
2,425,353
2,386,642
2,546,340
3,096,880
3,341,421
3,378,969
4,097,216
4,425,956
5,387,173
4,835,463
4,634,256
5,389,736
5,156,646
5,146,145
4,528,580
4,626,427
4,376,346
4,538,611
4,667,516
4,255,109
4,158,669
4,114,994
3,427,555
3,720,004
3,818,164
3,436,326
3,523,897
4,170,388
4,523,284
4,566,542
4,870,371
4,782,415
5,037,920
5,293,414
5,473,663
5,025,601
5,172,865
5,961,395
5,432,133
4,560,940
8,338,497
8,958,536
9,484,127
6,530,877
10,126,429
8,638,311
8,883,604
10,268,140
12,321,360
12,643,019
12,972,750
13,138,596
16,292,758
16,292,75813,138,59612,972,75012,643,01912,321,36010,268,1408,883,6048,638,31110,126,4296,530,8779,484,1278,958,5368,338,4974,560,9405,432,1335,961,3955,172,8655,025,6015,473,6635,293,4145,037,9204,782,4154,870,3714,566,5424,523,2844,170,3883,523,8973,436,3263,818,1643,720,0043,427,5554,114,9944,158,6694,255,1094,667,5164,538,6114,376,3464,626,4274,528,5805,146,1455,156,6465,389,7364,634,2564,835,4635,387,1734,425,9564,097,2163,378,9693,341,4213,096,8802,546,3402,386,6422,425,3532,310,0472,165,2522,139,9262,243,1572,395,4282,501,2432,624,1322,745,9292,328,4302,478,6622,334,6142,337,2082,159,5492,077,8941,930,9631,888,9511,694,6711,566,7641,422,8611,297,3931,136,8701,053,5071,023,3771,050,7521,217,2651,148,0641,005,9951,025,282871,542733,196785,289815,423670,170554,794522,292571,634625,945607,342518,588443,246638,717335,566260,138
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,478,269
2,074,171
1,855,851
1,157,002
532,104
886,368
1,648,523
2,190,758
2,623,129
2,939,652
2,821,043
2,530,722
2,873,366
2,809,568
2,506,546
5,813,430
4,529,642
5,635,584
180,755
179,802
142,493
104,865
7,451,972
4,821,513
4,309,924
12,510,585
12,838,158
8,830,668
10,703,898
10,703,8988,830,66812,838,15812,510,5854,309,9244,821,5137,451,972104,865142,493179,802180,7555,635,5844,529,6425,813,4302,506,5462,809,5682,873,3662,530,7222,821,0432,939,6522,623,1292,190,7581,648,523886,368532,1041,157,0021,855,8512,074,1712,478,2690000000000000000000000000000000000000000000000000000000000000000000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
93,295
80,371
70,033
29,071
27,541
25,637
23,508
21,487
18,836
2,789,005
2,660,512
2,351,854
2,673,200
0
0
0
0
0
0
0
0
0
0
4,628,091
1,314
7,490,320
8,239,837
765
10,623,182
10,623,1827658,239,8377,490,3201,3144,628,09100000000002,673,2002,351,8542,660,5122,789,00518,83621,48723,50825,63727,54129,07170,03380,37193,2950000000000000000000000000000000000000000000000000000000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
93,295
80,371
70,033
29,071
27,541
25,637
23,508
21,487
18,836
2,789,005
12,110
8,556
5,338
3,666
2,866
0
3,028
0
0
0
0
0
0
4,628,091
1,314
0
0
765
0
0765001,3144,628,0910000003,02802,8663,6665,3388,55612,1102,789,00518,83621,48723,50825,63727,54129,07170,03380,37193,2950000000000000000000000000000000000000000000000000000000000000000000
       Accounts payable 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,554
0
0
162
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
27
0
0
12,319
12,413
0
0
12,478
0
012,4780012,41312,3190027000000000000000000000162002,55400000000000000000000000000000000000000000000000000000000000000
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,422,488
2,029,087
1,802,859
1,084,177
482,835
850,831
1,605,467
2,149,113
2,574,380
63,039
2,712,511
2,408,307
2,830,144
2,787,806
2,490,077
5,773,443
2,494,455
3,587,920
180,755
179,802
142,493
104,865
7,451,972
193,422
4,308,610
5,020,265
4,598,321
8,611,745
80,716
80,7168,611,7454,598,3215,020,2654,308,610193,4227,451,972104,865142,493179,802180,7553,587,9202,494,4555,773,4432,490,0772,787,8062,830,1442,408,3072,712,51163,0392,574,3802,149,1131,605,467850,831482,8351,084,1771,802,8592,029,0872,422,4880000000000000000000000000000000000000000000000000000000000000000000
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,353,762
2,652,620
2,494,879
2,299,499
3,151,827
2,925,587
711,781
3,636,575
3,322,952
9,303,372
6,351,075
9,983,936
8,533,446
1,431,632
5,446,627
8,011,436
132,434
134,592
4,307,928
5,588,860
5,588,8604,307,928134,592132,4348,011,4365,446,6271,431,6328,533,4469,983,9366,351,0759,303,3723,322,9523,636,575711,7812,925,5873,151,8272,299,4992,494,8792,652,6202,353,7620000000000000000000000000000000000000000000000000000000000000000000000000000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3,112
2,224
1,685
1,277
12,481
7,693
6,783
5,912
5,390
4,852
3,961
3,201
2,791
2,457
2,152
1,841
0
0
001,8412,1522,4572,7913,2013,9614,8525,3905,9126,7837,69312,4811,2771,6852,2243,112000000000000000000000000000000000000000000000000000000000000000000000000000000
       Long-term Liabilities Other 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
33,355
2,197,946
2,011,555
1,818,314
2,668,389
2,528,606
575,979
2,996,856
2,997,292
8,284,559
6,018,008
9,695,653
8,271,272
1,180,871
50,658
7,930,493
78,559
42,614
4,211,162
0
04,211,16242,61478,5597,930,49350,6581,180,8718,271,2729,695,6536,018,0088,284,5592,997,2922,996,856575,9792,528,6062,668,3891,818,3142,011,5552,197,94633,3550000000000000000000000000000000000000000000000000000000000000000000000000000
> Total Stockholder Equity
214,313
216,197
221,131
223,682
230,544
233,715
238,254
241,145
246,553
249,767
256,285
261,095
268,341
272,009
281,594
285,961
295,592
302,221
313,245
320,684
332,311
338,804
351,552
358,512
369,622
375,896
393,287
401,640
414,677
423,871
438,734
445,310
459,619
467,818
481,793
485,427
494,166
521,334
534,039
534,812
550,531
559,306
573,891
579,474
591,739
605,784
625,858
635,362
654,504
669,093
696,061
703,839
720,607
725,452
735,745
743,185
750,985
753,084
761,882
765,926
773,920
777,658
778,749
781,749
790,300
793,160
801,741
804,759
815,057
820,101
841,618
851,004
865,996
874,335
886,362
899,060
910,359
923,271
942,527
950,894
963,943
969,432
976,738
982,354
992,692
1,000,117
1,023,020
1,036,693
1,050,757
1,054,008
1,079,992
1,056,098
1,057,389
1,053,259
1,065,723
1,053,278
1,053,2781,065,7231,053,2591,057,3891,056,0981,079,9921,054,0081,050,7571,036,6931,023,0201,000,117992,692982,354976,738969,432963,943950,894942,527923,271910,359899,060886,362874,335865,996851,004841,618820,101815,057804,759801,741793,160790,300781,749778,749777,658773,920765,926761,882753,084750,985743,185735,745725,452720,607703,839696,061669,093654,504635,362625,858605,784591,739579,474573,891559,306550,531534,812534,039521,334494,166485,427481,793467,818459,619445,310438,734423,871414,677401,640393,287375,896369,622358,512351,552338,804332,311320,684313,245302,221295,592285,961281,594272,009268,341261,095256,285249,767246,553241,145238,254233,715230,544223,682221,131216,197214,313
   Common Stock
81,300
87,650
87,650
87,650
87,650
94,000
94,000
94,000
102,500
102,500
102,500
102,500
112,000
112,000
112,000
112,000
125,000
125,000
125,000
125,000
125,000
142,000
142,000
142,000
160,000
160,000
160,000
160,000
160,000
182,000
182,000
182,000
182,000
203,000
203,000
203,000
223,000
223,000
223,000
223,000
223,000
247,000
247,000
247,000
247,000
270,000
270,000
270,000
270,000
297,000
297,000
297,000
297,000
331,000
331,000
331,000
331,000
349,700
349,700
349,700
349,700
379,700
379,700
379,700
379,700
387,830
387,830
387,830
387,830
400,030
400,030
400,030
400,030
423,430
423,430
423,430
423,430
448,030
448,030
448,030
448,030
473,930
473,930
473,930
489,598
489,598
489,598
489,598
517,001
517,001
517,001
517,001
529,540
529,540
529,540
529,540
529,540529,540529,540529,540517,001517,001517,001517,001489,598489,598489,598489,598473,930473,930473,930448,030448,030448,030448,030423,430423,430423,430423,430400,030400,030400,030400,030387,830387,830387,830387,830379,700379,700379,700379,700349,700349,700349,700349,700331,000331,000331,000331,000297,000297,000297,000297,000270,000270,000270,000270,000247,000247,000247,000247,000223,000223,000223,000223,000223,000203,000203,000203,000182,000182,000182,000182,000160,000160,000160,000160,000160,000142,000142,000142,000125,000125,000125,000125,000125,000112,000112,000112,000112,000102,500102,500102,500102,50094,00094,00094,00087,65087,65087,65087,65081,300
   Retained Earnings Total Equity000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
533,638
531,016
531,016
530,612
530,612531,016531,016533,63800000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Capital Surplus 000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Treasury Stock00000000-1,407-1,407-1,407-1,407-1,407-1,407-1,407-1,387-1,053-1,043000-637-370-10-82-463-346-199-1,354-787-43700-7,8860000000000000000000000000000000000000000000000000-1780-178-135-2,3750-539-251-9610-636-1,309-1,003
   Other Stockholders Equity 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
6,092
4,738
4,738
4,738
4,251
4,099
4,099
4,099
4,099
4,099
4,099
4,099
4,099
4,099
4,099
4,099
4,099
4,099
2,692
510,519
2,692
519,692
537,150
561,688
544,770
-1,407
-1,407
-1,407
-1,407
-1,407-1,407-1,407-1,407544,770561,688537,150519,6922,692510,5192,6924,0994,0994,0994,0994,0994,0994,0994,0994,0994,0994,0994,0994,0994,2514,7384,7384,7386,0920000000000000000000000000000000000000000000000000000000000000000000



Balance Sheet

All numbers in thousands.




Cash Flow

Currency in BRL. All numbers in thousands.




Income Statement

Currency in BRL. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue2,142,813
Cost of Revenue-1,643,952
Gross Profit2,142,813498,861
 
Operating Income (+$)
Gross Profit2,142,813
Operating Expense-176,339
Operating Income-4,4661,966,474
 
Operating Expense (+$)
Research Development-
Selling General Administrative77,590
Selling And Marketing Expenses-
Operating Expense176,33977,590
 
Net Interest Income (+$)
Interest Income-
Interest Expense-249
Other Finance Cost-1,036
Net Interest Income-1,285
 
Pretax Income (+$)
Operating Income-4,466
Net Interest Income-1,285
Other Non-Operating Income Expenses-
Income Before Tax (EBT)8,831-13,297
EBIT - interestExpense = -4,715
4,365
18,827
Interest Expense249
Earnings Before Interest and Taxes (EBIT)-4,4669,080
Earnings Before Interest and Taxes (EBITDA)-1,696
 
After tax Income (+$)
Income Before Tax8,831
Tax Provision-71
Net Income From Continuing Ops33,4698,760
Net Income18,578
Net Income Applicable To Common Shares-
 
Non-recurring Events
Discontinued Operations-
Extraordinary Items-
Effect of Accounting Charges-
Other Items-
Non Recurring-
Other Operating Expenses2,161,550
Total Other Income/Expenses Net8,8311,285
 

Technical Analysis of Financeira Alfa S.A. - Crédito Financiamento e Investimentos
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Financeira Alfa S.A. - Crédito Financiamento e Investimentos. The general trend of Financeira Alfa S.A. - Crédito Financiamento e Investimentos is BULLISH with 100.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Financeira Alfa S.A. - Crédito Financiamento e Investimentos's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (100.0%) Bearish trend (-100.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Financeira Alfa S.A. - Crédito Financiamento e Investimentos.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: .

The bearish price targets are: 6.95 > 6.95 > 5.84.

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Financeira Alfa S.A. - Crédito Financiamento e Investimentos Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Financeira Alfa S.A. - Crédito Financiamento e Investimentos. The current mas is .

The long score for the Moving Averages is 14/14.
The longshort score for the Moving Averages is 14/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Financeira Alfa S.A. - Crédito Financiamento e Investimentos Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Financeira Alfa S.A. - Crédito Financiamento e Investimentos. The current macd is 0.23183934.

The long score for the Moving Average Convergence/Divergence (MACD) is 1/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -2/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Financeira Alfa S.A. - Crédito Financiamento e Investimentos price going down in the near term. -2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Financeira Alfa S.A. - Crédito Financiamento e Investimentos. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Financeira Alfa S.A. - Crédito Financiamento e Investimentos price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Financeira Alfa S.A. - Crédito Financiamento e Investimentos Daily Moving Average Convergence/Divergence (MACD) ChartFinanceira Alfa S.A. - Crédito Financiamento e Investimentos Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Financeira Alfa S.A. - Crédito Financiamento e Investimentos. The current adx is 40.84.

The long score for the Directional Movement Index (DMI) is 4/7.
The longshort score for the Directional Movement Index (DMI) is 4/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Financeira Alfa S.A. - Crédito Financiamento e Investimentos shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX > 25 && ADX trending up: The ADX is above 25 and indicates a strong bullish trend. The ADX is trending up, so the bullish trend is strengthening.
Financeira Alfa S.A. - Crédito Financiamento e Investimentos Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Financeira Alfa S.A. - Crédito Financiamento e Investimentos. The current sar is 6.34127029.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Financeira Alfa S.A. - Crédito Financiamento e Investimentos Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Financeira Alfa S.A. - Crédito Financiamento e Investimentos. The current rsi is 80.49. The current phase is Overbought in bull market.

The long score for the Relative Strength Index (RSI) is 1/13.
The longshort score for the Relative Strength Index (RSI) is 0/(-13 +13).

  • Overbought in bull market: Short-term excessive buying, potential for pullback. Consider taking profits, be cautious of potential correction. -1
  • Trending up: The RSI is trending up. +1
Financeira Alfa S.A. - Crédito Financiamento e Investimentos Daily Relative Strength Index (RSI) ChartFinanceira Alfa S.A. - Crédito Financiamento e Investimentos Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Financeira Alfa S.A. - Crédito Financiamento e Investimentos. The current phase is Overbought in bull market.

The long score for the Stochastic Oscillator is 3/6.
The longshort score for the Stochastic Oscillator is 0/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Financeira Alfa S.A. - Crédito Financiamento e Investimentos price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Financeira Alfa S.A. - Crédito Financiamento e Investimentos Daily Stochastic Oscillator ChartFinanceira Alfa S.A. - Crédito Financiamento e Investimentos Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Financeira Alfa S.A. - Crédito Financiamento e Investimentos. The current cci is 53.45.

Financeira Alfa S.A. - Crédito Financiamento e Investimentos Daily Commodity Channel Index (CCI) ChartFinanceira Alfa S.A. - Crédito Financiamento e Investimentos Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Financeira Alfa S.A. - Crédito Financiamento e Investimentos. The current cmo is 68.89.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Financeira Alfa S.A. - Crédito Financiamento e Investimentos Daily Chande Momentum Oscillator (CMO) ChartFinanceira Alfa S.A. - Crédito Financiamento e Investimentos Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Financeira Alfa S.A. - Crédito Financiamento e Investimentos. The current willr is 0.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
Financeira Alfa S.A. - Crédito Financiamento e Investimentos Daily Williams %R ChartFinanceira Alfa S.A. - Crédito Financiamento e Investimentos Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Financeira Alfa S.A. - Crédito Financiamento e Investimentos.

Financeira Alfa S.A. - Crédito Financiamento e Investimentos Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Financeira Alfa S.A. - Crédito Financiamento e Investimentos. The current atr is 0.05652891.

Financeira Alfa S.A. - Crédito Financiamento e Investimentos Daily Average True Range (ATR) ChartFinanceira Alfa S.A. - Crédito Financiamento e Investimentos Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Financeira Alfa S.A. - Crédito Financiamento e Investimentos. The current obv is 171,005.

Financeira Alfa S.A. - Crédito Financiamento e Investimentos Daily On-Balance Volume (OBV) ChartFinanceira Alfa S.A. - Crédito Financiamento e Investimentos Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Financeira Alfa S.A. - Crédito Financiamento e Investimentos. The current mfi is 94.99.

The long score for the Money Flow Index (MFI) is 2/2.
The longshort score for the Money Flow Index (MFI) is 2/(-2 +2).

  • MFI > 50: +1
  • MFI > 80: +1
Financeira Alfa S.A. - Crédito Financiamento e Investimentos Daily Money Flow Index (MFI) ChartFinanceira Alfa S.A. - Crédito Financiamento e Investimentos Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Financeira Alfa S.A. - Crédito Financiamento e Investimentos.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-10-27MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2023-10-30MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2023-11-01ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-03MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2023-11-07WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-08MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-09STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-10CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-11-14SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-17STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-11-24MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-11-29DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-30DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-01MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-04MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-06STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-07CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-12-12CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-13SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-19MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2023-12-20CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-21STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-26STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-27STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-02MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-04STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-05ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-01-12MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-01-15MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-01-16CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-01-17SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-18RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-22STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-24SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-01-25MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-29STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-30MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-01-31STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-02-01STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-02CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-02-05WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-02-06STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-09DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-02-14MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-02-15STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-02-19DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-02-21CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-02-22STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-26MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-29MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-01WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-04MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-03-05STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-07STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-11STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-25MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.

6.3. Candlestick Patterns

Financeira Alfa S.A. - Crédito Financiamento e Investimentos Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Financeira Alfa S.A. - Crédito Financiamento e Investimentos based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5080.491
Ma 20Greater thanMa 506.692
Ma 50Greater thanMa 1006.257
Ma 100Greater thanMa 2006.022
OpenGreater thanClose6.980
Total4/5 (80.0%)
Penke

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