Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL) fair value: what the stock is really worth
As of Jul 10, 2026: fair value of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada MXN 0.71, price MXN 0.35, upside +100.0%, quality 43 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 0.3540 MXN – 17.75 MXN · fair‑value band 0.5310 MXN – 0.8850 MXN · the 0.3540 MXN price screens below the 0.7080 MXN fair value. Dashed = 300-day average. As of Sep 24, 2026.
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Crédito Real, S.A.B. de C.V., Sociedad Financiera de Objeto Múltiple, Entidad No Regulada, a non- banking institution, provides financial solutions and services in Mexico. It offers leasing and payroll services, semi-new and used vehicle loans, and working capital finance for SMEs. On June 22, 2022, Credito Rel, S.A.B. de C.V., SOFOM, E.N.R.
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Crédito Real, S.A.B. de C.V., Sociedad Financiera de Objeto Múltiple, Entidad No Regulada, a non- banking institution, provides financial solutions and services in Mexico. It offers leasing and payroll services, semi-new and used vehicle loans, and working capital finance for SMEs. On June 22, 2022, Credito Rel, S.A.B. de C.V., SOFOM, E.N.R. filed an involuntary petition for relief under Chapter 11 of the United States Bankruptcy Code. The company provides financial services to its clients. The company was incorporated in 1993 and is based in Mexico City, Mexico.
Stock analysis
Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL) currently trades at 0.3540 MXN, while our model-based Fair Value estimate is 0.7080 MXN, implying the stock looks roughly 50.0% undervalued today.
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Valuation
How firm this estimate is: it rests on 23 models at a data quality of 86/100, which puts the evidence level at low.
Scenario range: 0.5310 MXN (bear) to 0.8850 MXN (bull), the price of 0.3540 MXN sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 43/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada reported revenue of 6.4B MXN in FY2020 versus 5.9B MXN in FY2016, a compound +2.1%/yr. Reported net income was 756M MXN in FY2020, compounding −18.5%/yr from FY2016.
Key figures
Market cap 131M MXN (≈ $7.2M) · P/E ratio 0.2 · P/S ratio 0.02 · EPS (TTM) 1.73 MXN · Net margin 11.7% · Return on equity 0.3% · Return on assets (EBIT) 5.5% · Operating margin −116%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 43 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and at its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 100%, CREAL screens cheaper than that median.
Fair Value models
Bear 0.5310 MXNFair Value 0.7080 MXNBull 0.8850 MXN
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−16.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.5%
Revenue growth 18 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.6%
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What shareholders gained per year (last 3 years), in MXN ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in MXN: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
−24.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−24.1%
Dividend (yield on the price)0.0%
Profit margin 2014 to 2019 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.71% → 36%
Compare Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 329 stocks
Beats the industry median on 3/10 measures
Overall it trails its industry peers.
Valuation
Quality Score43 · Below median
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (TTM)0.3% · Bottom 25%
Return on assets0.1% · Bottom 25%
Net margin (TTM)2.8% · Bottom 25%
Operating margin (TTM)−115.6% · Bottom 25%
Growth and dividend
Revenue growth−37.5% · Bottom 25%
Balance sheet
Debt / equity2.26× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada Fair Value". https://www.fairvalue-calculator.com/stock/CREAL
Frequently asked questions
Is Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 0.7080 MXN versus the last price from Jul 10, 2026 of 0.3540 MXN, about +100% upside (undervalued).
What is the fair value of CREAL?
Our model-based fair value for Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada is 0.7080 MXN (as of Sep 24, 2026), built from audited fundamentals. Last price (from Jul 10, 2026): 0.3540 MXN.
What is the quality score of CREAL?
Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada has a Quality Score of 43/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL)?
Our model-based price target is the fair value of 0.7080 MXN (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 0.5310 MXN, optimistic scenario 0.8850 MXN. It is a calculation from audited fundamentals, not an analyst target.
What is the Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada stock forecast for 2026?
Our models put fair value at 0.7080 MXN, about +100% upside versus the last price from Jul 10, 2026 of 0.3540 MXN (undervalued). Cautious scenario 0.5310 MXN, optimistic scenario 0.8850 MXN. The calculation is refreshed regularly with new filings.
What is the revenue of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL)?
Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada reported trailing-twelve-month revenue of about 4.5B MXN (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada it is 0.7080 MXN per share (as of Sep 24, 2026), against a price of 0.3540 MXN. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada stock overvalued or undervalued in 2026?
As of Sep 24, 2026, CREAL trades below its calculated fair value: price 0.3540 MXN, fair value 0.7080 MXN, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CREAL?
No. The price is what the market pays today (0.3540 MXN); the fair value is what the company's own numbers justify (0.7080 MXN). For Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada the two are 0.3540 MXN per share apart. That gap is exactly why we show both numbers side by side.
How much is Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada worth?
The market values Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada at about 131M MXN (market capitalisation, as of Sep 24, 2026). Per share that is 0.3540 MXN; our models calculate a fair value of 0.7080 MXN per share.
What do the bullish and bearish scenarios say about CREAL?
Our models span a range for Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada: cautious scenario 0.5310 MXN, base 0.7080 MXN, optimistic 0.8850 MXN per share (as of Sep 24, 2026, price 0.3540 MXN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CREAL?
Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada trades at a price-to-earnings ratio of 0.2 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 0.7080 MXN is built from several models across several years. Other multiples: PEG 0.5.
What is the PEG ratio of CREAL?
The PEG ratio of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada is 0.49 (P/E divided by earnings growth, as of Sep 24, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL)?
Balance-sheet figures for Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (as of Sep 24, 2026): return on equity 0.3%, debt of 2.26 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is CREAL from its 52-week high?
Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada trades at 0.3540 MXN, at its 52-week high of 0.3540 MXN and at the low of 0.3540 MXN (as of Jul 10, 2026). Distance from the high says nothing about value: that is what the fair value of 0.7080 MXN is for.
Which stocks are comparable to Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada stock attractive at the current price?
The data as of Sep 24, 2026: price 0.3540 MXN, calculated fair value 0.7080 MXN (+100%), Quality Score 43/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CREAL calculated?
We run Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 0.7080 MXN, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada currently trades 50 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL)?
The latest price we hold is from Jul 10, 2026 and stands at 0.3540 MXN. Our model-based fair value is 0.7080 MXN, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada right now?
The large discount to fair value meets weak quality (43/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (0.5310 MXN). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada
How large is the market capitalisation of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL)?
The market capitalisation of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada is 131M MXN (≈ $7.2M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL)?
The price-to-sales ratio of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada is 0.02 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL)?
Earnings per share at Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada are 1.73 MXN (price ÷ EPS = P/E 0.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL)?
The net margin of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada is 11.7% (fiscal year 2020). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL)?
The return on equity (ROE) of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada is 0.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL)?
On an EBIT basis the return on assets of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada is 5.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL)?
The operating margin of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada is −116% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL)?
Revenue at Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada is growing −37.5% versus a year earlier (3y avg −2.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL)?
Earnings per share at Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada are growing +5.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL) generate?
The free cash flow of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada is 177M MXN (fiscal year 2020). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada (CREAL) carry?
The net debt of Crédito Real S.A.B. de C.V. Sociedad Financiera de Objeto Múltiple Entidad No Regulada is 48.7B MXN (fiscal year 2020). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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