BANCO MACRO SA-ADR(NYSE:BMA) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to BMA. BMA was compared to 398 industry peers in the Banks industry. Both the profitability and financial health of BMA have multiple concerns. BMA is valued quite expensive, but it does show an excellent growth.

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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.

1.2 Ratios

BMA's Return On Assets of 4.49% is amongst the best of the industry. BMA outperforms 99.75% of its industry peers.

BMA's Return On Equity of 16.07% is amongst the best of the industry. BMA outperforms 93.72% of its industry peers.

		Industry Rank	Sector Rank
ROA	4.49%
ROE	16.07%
ROIC	N/A

ROA(3y)4.26%

ROA(5y)3.73%

ROE(3y)14.74%

ROE(5y)14.41%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BMA's Profit Margin of 9.66% is on the low side compared to the rest of the industry. BMA is outperformed by 83.92% of its industry peers.

In the last couple of years the Profit Margin of BMA has declined.

The Operating Margin and Gross Margin are not available for BMA so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	9.66%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-22.24%

PM growth 5Y-22.5%

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

BMA has about the same amout of shares outstanding than it did 1 year ago.

BMA has less shares outstanding than it did 5 years ago.

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

2.2 Solvency

The Debt to FCF ratio of BMA is 5.90, which is a neutral value as it means it would take BMA, 5.90 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of BMA (5.90) is worse than 69.60% of its industry peers.

BMA has a Debt/Equity ratio of 0.12. This is a healthy value indicating a solid balance between debt and equity.

BMA has a better Debt to Equity ratio (0.12) than 68.59% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	5.9
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

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Altman-Z score

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3. Growth

3.1 Past

BMA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.84%, which is quite good.

Measured over the past years, BMA shows a very strong growth in Earnings Per Share. The EPS has been growing by 63.39% on average per year.

The Revenue has grown by 115.20% in the past year. This is a very strong growth!

The Revenue has been growing by 110.09% on average over the past years. This is a very strong growth!

EPS 1Y (TTM)8.84%

EPS 3Y79%

EPS 5Y63.39%

EPS Q2Q%-74.37%

Revenue 1Y (TTM)115.2%

Revenue growth 3Y130.21%

Revenue growth 5Y110.09%

Sales Q2Q%-12.02%

3.2 Future

The Earnings Per Share is expected to grow by 104.04% on average over the next years. This is a very strong growth

BMA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.39% yearly.

EPS Next Y188.12%

EPS Next 2Y104.04%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year1.08%

Revenue Next 2Y3.39%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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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

BMA's earnings are expected to grow with 104.04% in the coming years. This may justify a more expensive valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y104.04%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BMA does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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BANCO MACRO SA-ADR

NYSE:BMA (4/21/2025, 8:04:00 PM)

After market: 88.87 0 (0%)

88.87

-2.44 (-2.67%)

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 Change0.97%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap5.58B

Analysts81.67

Price TargetN/A

Short Float %1.13%

Short Ratio0.71

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DP71.76%

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)16.4%

Min Revenue beat(2)0.49%

Max Revenue beat(2)32.32%

Revenue beat(4)4

Avg Revenue beat(4)58.01%

Min Revenue beat(4)0.49%

Max Revenue beat(4)128.84%

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)0.66%

EPS NY rev (1m)-10.24%

EPS NY rev (3m)28.18%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)35.86%

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	4.49%
ROE	16.07%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	9.66%
GM	N/A
FCFM	1.25%

ROA(3y)4.26%

ROA(5y)3.73%

ROE(3y)14.74%

ROE(5y)14.41%

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 3Y-22.24%

PM growth 5Y-22.5%

GM growth 3YN/A

GM growth 5YN/A

F-Score3

Asset Turnover0.46

Health

		Industry Rank	Sector Rank
Debt/Equity	0.12
Debt/FCF	5.9
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	1.85%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	12.9%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score3

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)3.11%

Cap/Sales(5y)3.07%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)8.84%

EPS 3Y79%

EPS 5Y63.39%

EPS Q2Q%-74.37%

EPS Next Y188.12%

EPS Next 2Y104.04%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)115.2%

Revenue growth 3Y130.21%

Revenue growth 5Y110.09%

Sales Q2Q%-12.02%

Revenue Next Year1.08%

Revenue Next 2Y3.39%

Revenue Next 3YN/A

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 1Y104.2%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y110.74%

OCF growth 3YN/A

OCF growth 5YN/A

BANCO MACRO SA-ADR (BMA) 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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