Adalberto Rabago - Crdito Real Director of Human Resources

CREAL Stock  MXN 0.35  0.00  0.00%   

Director

Mr. Adalberto Robles Rabago serves as Director of Human Resources of Credito Real, S.A.B. de C.V. Sofom E.R. since 2008. Previously, he acted as Director of Human Resources of Mabe SA de CV, from 2000 until 2008, and was Director of Human Resources of Grupo Desk SA de CV, from 1996 to 2000. He holds a Masters degree in Business Management from IPADE. since 2008.
Tenure 16 years
Phone52 55 5340 5200
Webhttps://www.creditoreal.com.mx

Crdito Real Management Efficiency

Crdito Real's management efficiency ratios could be used to measure how well Crdito Real manages its routine affairs as well as how well it operates its assets and liabilities.
The company has accumulated 56.18 B in total debt with debt to equity ratio (D/E) of 3.21, implying the company greatly relies on financing operations through barrowing. Crdito Real SAB has a current ratio of 5.4, suggesting that it is liquid and has the ability to pay its financial obligations in time and when they become due. Debt can assist Crdito Real until it has trouble settling it off, either with new capital or with free cash flow. So, Crdito Real's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Crdito Real SAB sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Crdito to invest in growth at high rates of return. When we think about Crdito Real's use of debt, we should always consider it together with cash and equity.

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Crdito Real, S.A.B. de C.V., Sociedad Financiera de Objeto Mltiple, Entidad No Regulada, a non- banking institution, provides financial solutions and services in Mexico. The company was incorporated in 1993 and is based in Mexico City, Mexico. CREDITO REAL operates under Credit Services classification in Mexico and is traded on Mexico Stock Exchange. It employs 657 people. Crdito Real SAB (CREAL) is traded on Mexican Exchange in Mexico and employs 44 people.

Management Performance

Crdito Real SAB Leadership Team

Elected by the shareholders, the Crdito Real's board of directors comprises two types of representatives: Crdito Real inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Crdito. The board's role is to monitor Crdito Real's management team and ensure that shareholders' interests are well served. Crdito Real's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Crdito Real's outside directors are responsible for providing unbiased perspectives on the board's policies.
Jaime Rocha, Non-Member Secretary of the Board
Luis Lozano, Chief Legal Officer
Jonathan Guevara, Director of Investor Relations
Pablo Gonzlez, Director Comptroller
Jacobo Levin, Commercial Director of CrediEquipos
Gilbert GarreauDombasle, Independent Director
Claudia Zarazua, Commercial Director of auto loans
Luis Mantecon, Director of Marketing and Consumption
Jose Avalos, Director
Luis Rodriguez, COO
Eduardo Avalos, Director
Jose Recolons, Independent Director
Jaime Alvarez, Non-Member Assistant Secretary of the Board
Allan Mizrahi, Director
Moises Ohrenstein, Independent Director
Pablo Gonzalez, Controller
Francisco Lagos, Chairman of the Board
Claudia Zaraza, Treasurer
Luis Barroso, Director MA
Luis Castillo, Commercial Director of Payroll Credit Payment
Raul Farias, Independent Director
Iga Wolska, IR Contact Officer
Enrique Badia, Independent Director
Adalberto Rabago, Director of Human Resources
Carlos Valdes, Deputy Chief Executive Officer, Chief Financial Officer
Juan Zorrilla, Director
Lizeth Mares, Commercial Director of Consumer Credit Payment
Wilfrido Mejorada, Independent Director
Jos Abundis, Director Operations
Emilio Chavez, Independent Director
Gerardo Diaz, Director
Luis MacKissack, Independent Director
Angel Berrondo, Chairman of the Board, Chief Executive Officer
Arturo Perez, Independent Director
Anthony Moreno, Director
Lourdes Bertolo, Director of New Business
Jose Abundis, Chief Operating Officer
Lorena Costas, Director
Renata Muoz, Investor Officer
Guillermo Leiro, Sec
Raul Reyes, Independent Director
Iser Stern, Independent Director
Juan Saavedra, Director
Eduardo Fernandez, Independent Director

Crdito Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Crdito Real a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Crdito Real in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Crdito Real's short interest history, or implied volatility extrapolated from Crdito Real options trading.

Pair Trading with Crdito Real

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Crdito Real position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Crdito Real will appreciate offsetting losses from the drop in the long position's value.
The ability to find closely correlated positions to Crdito Real could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Crdito Real when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Crdito Real - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Crdito Real SAB to buy it.
The correlation of Crdito Real is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Crdito Real moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Crdito Real SAB moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Crdito Real can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Crdito Real SAB. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of economic analysis.
You can also try the Portfolio Optimization module to compute new portfolio that will generate highest expected return given your specified tolerance for risk.

Complementary Tools for Crdito Stock analysis

When running Crdito Real's price analysis, check to measure Crdito Real's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Crdito Real is operating at the current time. Most of Crdito Real's value examination focuses on studying past and present price action to predict the probability of Crdito Real's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Crdito Real's price. Additionally, you may evaluate how the addition of Crdito Real to your portfolios can decrease your overall portfolio volatility.
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Please note, there is a significant difference between Crdito Real's value and its price as these two are different measures arrived at by different means. Investors typically determine if Crdito Real is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Crdito Real's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.