Financiera Oh! SA

Financiera Oh! SA maintains a liquidity position with a cash and equivalents balance of PEN 415.08 million, but its long-term debt of PEN 1,936.37 million results in a debt-to-equity ratio of 5.18, indicating a high leverage position. The company's return on equity of 6.6% is below the industry median for consumer lending, suggesting suboptimal capital efficiency. The company's profitability is reflected in a net income of PEN 24.67 million, with a gross profit margin of 87.1% and an operating margin of 78.9%. These figures are above the industry median for gross margin but below the median for operating margin, indicating potential inefficiencies in operating expenses. Financiera Oh! SA's revenue is concentrated in its core consumer credit card services, with no disclosed geographic diversification beyond Peru. The company's primary revenue source is the Tarjeta Oh! brand, which is used at Oechsle, Plaza Vea, and Promart stores. The company's revenue growth is expected to remain flat in the current fiscal year, with a projected increase of less than 1% in the next fiscal year. This is consistent with the company's historical revenue growth, which has been relatively stable. The company faces medium liquidity risk due to its high debt levels and negative net cash position after subtracting total debt. The dilution risk is low, with no significant dilution sources identified in the 10-K Risk Factors or recent filings. Recent events include the company's continued focus on expanding its insurance offerings for Tarjeta Oh! users, including life, health, and financial protection coverage. The company has also maintained its position as a subsidiary of IFH Retail Corp, which may influence its strategic direction.