Crédito Real, S.A.B. de C.V., Sociedad Financiera de Objeto Múltiple, Entidad No Regulada (CREAL.MX)

Crédito Real, S.A.B. de C.V., Sociedad Financiera de Objeto Múltiple, Entidad No Regulada (CREAL.MX) — VMCI valuation read

Crédito Real, S.A.B. de C.V., Sociedad Financiera de Objeto Múltiple, Entidad No Regulada sits at VMCI 54/100, with the Financial Services sector median at 50. That 4-point spread is the first thing to note on CREAL.MX: it tells the reader the composite is favorable before any single ratio is examined, and the mid-cap tier sets the comparison set.

Form 4 disclosures on CREAL.MX are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.

**Investor frame.** The Value read on CREAL.MX: CREAL.MX trades at 24.0x earnings, 33% above the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 12.0% sits 2.0pp above the Financial Services median (10.0%). The Risk read: net debt to EBITDA of -1.3x leaves covenant headroom, anchoring the bear scenario on a measurable balance-sheet metric.

CREAL.MX fell 3.7% over the trailing 7 days, with a +5.2% read on a 30-day basis.