BBVA ARGENTINA SA-ADR(NYSE:BBAR) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to BBAR. BBAR was compared to 404 industry peers in the Banks industry. BBAR scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. BBAR is quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

BBAR had positive earnings in each of the past 5 years.

The reported operating cash flow has been mixed in the past 5 years: BBAR reported negative operating cash flow in multiple years.

1.2 Ratios

With an excellent Return On Assets value of 3.19%, BBAR belongs to the best of the industry, outperforming 98.76% of the companies in the same industry.

BBAR's Return On Equity of 17.03% is amongst the best of the industry. BBAR outperforms 94.31% of its industry peers.

		Industry Rank	Sector Rank
ROA	3.19%
ROE	17.03%
ROIC	N/A

ROA(3y)2.58%

ROA(5y)2.51%

ROE(3y)13.77%

ROE(5y)14.33%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BBAR has a worse Profit Margin (13.20%) than 77.23% of its industry peers.

BBAR's Profit Margin has declined in the last couple of years.

BBAR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	13.2%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y6.85%

PM growth 5Y-8.26%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The number of shares outstanding for BBAR remains at a similar level compared to 1 year ago.

Compared to 5 years ago, BBAR has about the same amount of shares outstanding.

BBAR has a better debt/assets ratio than last year.

2.2 Solvency

BBAR has a debt to FCF ratio of 0.21. This is a very positive value and a sign of high solvency as it would only need 0.21 years to pay back of all of its debts.

BBAR has a better Debt to FCF ratio (0.21) than 87.87% of its industry peers.

A Debt/Equity ratio of 0.09 indicates that BBAR is not too dependend on debt financing.

The Debt to Equity ratio of BBAR (0.09) is better than 75.25% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.09
Debt/FCF	0.21
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BBAR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 105.04%, which is quite impressive.

BBAR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 40.05% yearly.

BBAR shows a strong growth in Revenue. In the last year, the Revenue has grown by 195.71%.

The Revenue has been growing by 62.52% on average over the past years. This is a very strong growth!

EPS 1Y (TTM)105.04%

EPS 3Y67.96%

EPS 5Y40.05%

EPS Q2Q%-36.02%

Revenue 1Y (TTM)195.71%

Revenue growth 3Y87.92%

Revenue growth 5Y62.52%

Sales Q2Q%-55.04%

3.2 Future

The Earnings Per Share is expected to decrease by -33.97% on average over the next years. This is quite bad

BBAR is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -47.44% yearly.

EPS Next Y-46.85%

EPS Next 2Y-24.13%

EPS Next 3YN/A

EPS Next 5Y-33.97%

Revenue Next Year4%

Revenue Next 2Y33.85%

Revenue Next 3YN/A

Revenue Next 5Y-47.44%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as BBAR's earnings are expected to decrease with -24.13% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-24.13%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for BBAR!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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BBVA ARGENTINA SA-ADR

NYSE:BBAR (3/7/2025, 8:06:45 PM)

After market: 18.2538 -0.58 (-3.06%)

18.83

+0.3 (+1.62%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)03-05 2025-03-05/amc

Earnings (Next)05-21 2025-05-21

Inst Owners10.05%

Inst Owner Change26.67%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap3.85B

Analysts82

Price TargetN/A

Short Float %1.74%

Short Ratio1.33

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DP20.96%

Div Incr Years2

Div Non Decr Years2

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)46.21%

EPS NY rev (3m)47.64%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)20.5%

Revenue NY rev (3m)21.69%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	N/A
P/FCF	N/A
P/OCF	N/A
P/B	N/A
P/tB	N/A
EV/EBITDA	N/A

EPS(TTM)N/A

EYN/A

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpSN/A

BVpSN/A

TBVpSN/A

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	3.19%
ROE	17.03%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	13.2%
GM	N/A
FCFM	33.56%

ROA(3y)2.58%

ROA(5y)2.51%

ROE(3y)13.77%

ROE(5y)14.33%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y6.85%

PM growth 5Y-8.26%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.24

Health

		Industry Rank	Sector Rank
Debt/Equity	0.09
Debt/FCF	0.21
Debt/EBITDA	N/A
Cap/Depr	98.73%
Cap/Sales	2.12%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	254.19%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)146.79%

Cap/Depr(5y)116.2%

Cap/Sales(3y)4.61%

Cap/Sales(5y)3.87%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)105.04%

EPS 3Y67.96%

EPS 5Y40.05%

EPS Q2Q%-36.02%

EPS Next Y-46.85%

EPS Next 2Y-24.13%

EPS Next 3YN/A

EPS Next 5Y-33.97%

Revenue 1Y (TTM)195.71%

Revenue growth 3Y87.92%

Revenue growth 5Y62.52%

Sales Q2Q%-55.04%

Revenue Next Year4%

Revenue Next 2Y33.85%

Revenue Next 3YN/A

Revenue Next 5Y-47.44%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y888.76%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y1002.81%

OCF growth 3YN/A

OCF growth 5Y-38.33%

BBVA ARGENTINA SA-ADR (BBAR) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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