{ "signal": "certvas-fundamentals-factors-v1", "name": "Certvas Fundamentals-Factors Signal", "version": "v1", "sku": "AF-FUND", "label": "Published for research and informational use. Not administered as, and not for use as, a regulated benchmark.", "grain": "issuer_fiscal_year", "point_in_time": "factors use as-reported (first-vintage) values; observed_at = knowable date", "snapshot_hash": "421ca1592df2634f", "caveats": [ "Ratios (net margin, ROE, ROA, asset turnover, equity ratio) are within-issuer and thus currency-neutral; growth factors are NOMINAL in each issuer's own reporting currency and mix inflation regimes \u2014 use the ratios for cross-issuer comparisons.", "Point-in-time: factors use the AS-REPORTED (first-vintage) value per line item, so a backtest as-of date sees only what was filed by then (no look-ahead). observed_at is when the factor became knowable.", "A factor is null when its inputs are missing (e.g. ROE/ROA need a balance sheet). A row ships only when net margin (revenue + net income) is computable.", "Growth on a near-zero or negative prior-year base is unstable; treat large growth magnitudes with care." ], "observations": [ { "dataco_id": "DC012DF342F75567AB0B3A2705", "fiscal_year": 2022, "currency": "EGP", "net_margin_pct": 29.02, "roe_pct": 23.87, "roa_pct": 2.54, "asset_turnover": 0.0876, "equity_ratio_pct": 10.66, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-14" }, { "dataco_id": "DC01480EEDA52A17CF0FFE2A22", "fiscal_year": 2023, "currency": "NGN", "net_margin_pct": 5.59, "roe_pct": 12.69, "roa_pct": 6.75, "asset_turnover": 1.2078, "equity_ratio_pct": 53.18, "revenue_growth_yoy_pct": null, "earnings_growth_yoy_pct": null, "observed_at": "2026-09-12" }, { "dataco_id": "DC01480EEDA52A17CF0FFE2A22", "fiscal_year": 2024, "currency": "NGN", "net_margin_pct": 5.64, "roe_pct": 15.96, "roa_pct": 8.12, "asset_turnover": 1.4402, "equity_ratio_pct": 50.9, 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