Mibanco Banco de la Microempresa S.A.
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Mibanco Banco de la Microempresa S.A. - overview
Established
1998
Location
Lima, -, Peru
Primary Industry
Financial Services
About
Mibanco Banco de la Microempresa S. A. is a specialized financial institution in Peru, focused on providing microfinance services that empower small and medium-sized enterprises and low-income individuals. Founded in 1998 in Lima, Peru, Mibanco Banco de la Microempresa S.
A. operates as a dedicated microfinance institution. It has evolved over the years, enhancing its service offerings to better cater to small business needs. As of May 2025, the company successfully completed a TRADE SALE, raising PEN 131.
1 mn, with Credicorp as a notable investor. Mibanco has engaged in 4 deals to date, with the most recent deal involving substantial debt financing aimed at expanding its offerings for women-led SMEs. Mibanco specializes in microfinance services tailored for small and medium-sized enterprises (SMEs) and low-income individuals. Its core offerings include microloans, savings accounts, and financial advisory services, aimed at empowering underserved populations.
Through microloans, Mibanco helps small business owners access capital for essential investments, while its savings accounts promote financial literacy and encourage wealth accumulation among clients. The institution primarily serves the Peruvian market, addressing the financial needs of urban and rural areas with limited access to traditional banking. In the most recent fiscal year of 2023, Mibanco reported a revenue of PEN 591,215,745 and an EBITDA of PEN 83,232,081. 3.
The company generates revenue through interest from microloans and fees for its financial advisory services, maintaining a competitive pricing structure to support its clientele. Mibanco plans to leverage its recent funding to enhance its portfolio for women-led small and medium-sized enterprises. The recent deal in May 2025, where IDB Invest and the Japan International Cooperation Agency provided approximately USD 100 mn in debt financing, will be instrumental in expanding their lending offerings. The company aims to develop new financial products specifically designed for women entrepreneurs while targeting additional growth in urban and rural markets across Peru.
Primary Industry
Financial Services
Sub Industries
Retail Banks
Website
www.mibanco.com.pe
Company Stage
Acquired
Total Amount Raised
Subscriber access only
Mibanco Banco de la Microempresa S.A. - timeline of key events
Mibanco Banco de la Microempresa S.A. - financials
| Fiscal Year Ended | Dec 31, 2010 | Dec 31, 2011 | Dec 31, 2012 | Dec 31, 2013 | Dec 31, 2014 | Dec 31, 2015 | Dec 31, 2016 | Dec 31, 2017 | Dec 31, 2018 | Dec 31, 2019 | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue (USD) | 936,828,000 | 987,869,000 | 1,053,692,000 | 1,034,695,000 | 911,948,000 | 1,701,988,000 | 2,099,772,000 | 2,315,639,000 | 2,432,186,000 | 2,405,482,000 | 1,697,130,000 | - | - | - |
| % Revenue Growth (YoY) | - | 5.4% | 6.7% | (1.8%) | (11.9%) | 86.6% | 23.4% | 10.3% | 5.0% | (1.1%) | (29.4%) | - | - | - |
| EBITDA (USD) | 163,285,000 | 140,659,000 | 101,492,000 | 66,478,000 | (29,059,000) | 269,728,000 | 458,738,000 | 536,944,000 | 673,692,000 | 597,828,000 | 69,395,000 | - | - | - |
| Operating Income (USD) | 141,609,000 | 116,847,000 | 77,740,000 | 40,776,000 | (55,546,000) | 210,637,000 | 408,976,000 | 489,505,000 | 629,934,000 | 557,804,000 | 28,152,000 | - | - | - |
| Operating Margin | 15.1% | 11.8% | 7.4% | 3.9% | (6.1%) | 12.4% | 19.5% | 21.1% | 25.9% | 23.2% | 1.7% | - | - | - |
| % EBITDA Margin | 17.4% | 14.2% | 9.6% | 6.4% | (3.2%) | 15.8% | 21.8% | 23.2% | 27.7% | 24.9% | 4.1% | - | - | - |
| NET Income (USD) | 97,143,000 | 109,423,000 | 68,311,000 | 35,209,000 | (67,570,000) | 154,490,000 | 312,596,000 | 361,713,000 | 450,737,000 | 391,766,000 | (35,204,000) | - | - | - |
| % Net Margin | 10.4% | 11.1% | 6.5% | 3.4% | (7.4%) | 9.1% | 14.9% | 15.6% | 18.5% | 16.3% | (2.1%) | - | - | - |
Mibanco Banco de la Microempresa S.A. - deals
| Deals Type | Deal Status | Target (s) | Deal Date | Investor(s) | Seller(s) | Deal size (Mn) | Enterprise value (Mn) | Post-money valuation (Mn) | EBITDA multiple (x) | Revenue multiple (x) | Lead partner (s) |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Private Debt | Announced | Mibanco Banco de la Microempresa S.A. | - |
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Mibanco Banco de la Microempresa S.A. - employee data
Mibanco Banco de la Microempresa S.A. - key contacts
| Name | Position | Start Date | End Date | Vcard | Bio | ||
|---|---|---|---|---|---|---|---|
| Board Member | BM |
BM Board Member
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