Financeira Alfa S.A. - Crédito, Financiamento e Investimentos (CRIV4.SA)

Financeira Alfa S.A. - Crédito, Financiamento e Investimentos (CRIV4.SA) — VMCI valuation read

Financeira Alfa S.A. - Crédito, Financiamento e Investimentos sits at VMCI 60/100, with the Financial Services sector median at 50. That 10-point spread is the first thing to note on CRIV4.SA: 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 CRIV4.SA 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 CRIV4.SA: CRIV4.SA trades at 18.0x earnings, 0% above the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 8.0% trails the Financial Services median (10.0%) by 2.0pp. The Risk read: net debt to EBITDA of 2.6x is the rate-sensitivity line to watch, anchoring the bear scenario on a measurable balance-sheet metric.

CRIV4.SA rose 2.4% over the trailing 7 days, with a +5.7% read on a 30-day basis.