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BANCO MACRO SA-ADR (BMA) Stock Fundamental Analysis

NYSE:BMA - New York Stock Exchange, Inc. - US05961W1053 - ADR - Currency: USD

85.25  +2.57 (+3.11%)

After market: 86.02 +0.77 (+0.9%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to BMA. BMA was compared to 404 industry peers in the Banks industry. BMA has a bad profitability rating. Also its financial health evaluation is rather negative. BMA is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

BMA had positive earnings in each of the past 5 years.
In multiple years BMA reported negative operating cash flow during the last 5 years.
BMA Yearly Net Income VS EBIT VS OCF VS FCFBMA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500B -500B -1T -1.5T

1.2 Ratios

BMA has a better Return On Assets (7.20%) than 100.00% of its industry peers.
BMA has a Return On Equity of 28.16%. This is amongst the best in the industry. BMA outperforms 99.50% of its industry peers.
Industry RankSector Rank
ROA 7.2%
ROE 28.16%
ROIC N/A
ROA(3y)4.47%
ROA(5y)4.19%
ROE(3y)16.04%
ROE(5y)16.62%
ROIC(3y)N/A
ROIC(5y)N/A
BMA Yearly ROA, ROE, ROICBMA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

1.3 Margins

With a Profit Margin value of 13.73%, BMA is not doing good in the industry: 76.49% of the companies in the same industry are doing better.
BMA's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for BMA so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 13.73%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.97%
PM growth 5Y-6.38%
GM growth 3YN/A
GM growth 5YN/A
BMA Yearly Profit, Operating, Gross MarginsBMA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20 25

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2

2. Health

2.1 Basic Checks

The number of shares outstanding for BMA remains at a similar level compared to 1 year ago.
BMA has less shares outstanding than it did 5 years ago.
BMA has a worse debt/assets ratio than last year.
BMA Yearly Shares OutstandingBMA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 20M 40M 60M
BMA Yearly Total Debt VS Total AssetsBMA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2T 4T 6T

2.2 Solvency

A Debt/Equity ratio of 0.13 indicates that BMA is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.13, BMA is in the better half of the industry, outperforming 65.35% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
BMA Yearly LT Debt VS Equity VS FCFBMA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 1T -1T 2T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BMA Yearly Current Assets VS Current LiabilitesBMA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 200B 400B 600B

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9

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 799.95% over the past year.
The Earnings Per Share has been growing by 101.85% on average over the past years. This is a very strong growth
The Revenue has grown by 422.94% in the past year. This is a very strong growth!
BMA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 119.72% yearly.
EPS 1Y (TTM)799.95%
EPS 3Y168.47%
EPS 5Y101.85%
EPS Q2Q%1114.12%
Revenue 1Y (TTM)422.94%
Revenue growth 3Y138.8%
Revenue growth 5Y119.72%
Sales Q2Q%138.99%

3.2 Future

Based on estimates for the next years, BMA will show a very strong growth in Earnings Per Share. The EPS will grow by 25.82% on average per year.
Based on estimates for the next years, BMA will show a very strong growth in Revenue. The Revenue will grow by 60.69% on average per year.
EPS Next Y-41.88%
EPS Next 2Y22.08%
EPS Next 3Y25.82%
EPS Next 5YN/A
Revenue Next Year288.09%
Revenue Next 2Y98.07%
Revenue Next 3Y60.69%
Revenue Next 5YN/A

3.3 Evolution

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
BMA Yearly Revenue VS EstimatesBMA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1T 2T 3T 4T
BMA Yearly EPS VS EstimatesBMA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 5K 10K 15K

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1

4. Valuation

4.1 Price/Earnings Ratio

Industry RankSector Rank
PE N/A
Fwd PE N/A
BMA Price Earnings VS Forward Price EarningsBMA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BMA Per share dataBMA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share

4.3 Compensation for Growth

A more expensive valuation may be justified as BMA's earnings are expected to grow with 25.82% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y22.08%
EPS Next 3Y25.82%

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0

5. Dividend

5.1 Amount

BMA does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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BANCO MACRO SA-ADR

NYSE:BMA (3/7/2025, 8:07:58 PM)

After market: 86.02 +0.77 (+0.9%)

85.25

+2.57 (+3.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-26 2025-02-26/amc
Earnings (Next)05-20 2025-05-20
Inst Owners34.99%
Inst Owner Change23.98%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.36B
Analysts81.67
Price TargetN/A
Short Float %0.83%
Short Ratio0.52
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP42.15%
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)2
Avg Revenue beat(2)35.4%
Min Revenue beat(2)0.4%
Max Revenue beat(2)70.4%
Revenue beat(4)4
Avg Revenue beat(4)158.42%
Min Revenue beat(4)0.4%
Max Revenue beat(4)434.03%
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)0%
EPS NQ rev (3m)-3.81%
EPS NY rev (1m)-15.99%
EPS NY rev (3m)-45.3%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.8%
Revenue NY rev (3m)-4.69%
Valuation
Industry RankSector 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 RankSector Rank
ROA 7.2%
ROE 28.16%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.73%
GM N/A
FCFM N/A
ROA(3y)4.47%
ROA(5y)4.19%
ROE(3y)16.04%
ROE(5y)16.62%
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 3Y4.97%
PM growth 5Y-6.38%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.52
Health
Industry RankSector Rank
Debt/Equity 0.13
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.61%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)3.38%
Cap/Sales(5y)3.52%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)799.95%
EPS 3Y168.47%
EPS 5Y101.85%
EPS Q2Q%1114.12%
EPS Next Y-41.88%
EPS Next 2Y22.08%
EPS Next 3Y25.82%
EPS Next 5YN/A
Revenue 1Y (TTM)422.94%
Revenue growth 3Y138.8%
Revenue growth 5Y119.72%
Sales Q2Q%138.99%
Revenue Next Year288.09%
Revenue Next 2Y98.07%
Revenue Next 3Y60.69%
Revenue Next 5YN/A
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 1Y-562.58%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y44.56%
OCF growth 3YN/A
OCF growth 5YN/A