BANQUP GROUP (BANQ.BR) Stock Fundamental Analysis

EBR:BANQ • BE0974371032

3.79 EUR
-0.19 (-4.77%)
Last: Feb 24, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

2

Overall BANQ gets a fundamental rating of 2 out of 10. We evaluated BANQ against 112 industry peers in the Software industry. Both the profitability and financial health of BANQ have multiple concerns. While showing a medium growth rate, BANQ is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • BANQ had positive earnings in the past year.
  • BANQ had a negative operating cash flow in the past year.
  • BANQ had negative earnings in 4 of the past 5 years.
  • In multiple years BANQ reported negative operating cash flow during the last 5 years.
BANQ.BR Yearly Net Income VS EBIT VS OCF VS FCFBANQ.BR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M

1.2 Ratios

  • The Return On Assets of BANQ (24.26%) is better than 95.54% of its industry peers.
  • BANQ's Return On Equity of 55.77% is amongst the best of the industry. BANQ outperforms 95.54% of its industry peers.
Industry RankSector Rank
ROA 24.26%
ROE 55.77%
ROIC N/A
ROA(3y)-7%
ROA(5y)-8.63%
ROE(3y)-30.22%
ROE(5y)-24.84%
ROIC(3y)N/A
ROIC(5y)N/A
BANQ.BR Yearly ROA, ROE, ROICBANQ.BR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 100 -100

1.3 Margins

  • BANQ's Profit Margin of 109.48% is amongst the best of the industry. BANQ outperforms 99.11% of its industry peers.
  • BANQ has a Gross Margin of 40.46%. This is in the lower half of the industry: BANQ underperforms 75.00% of its industry peers.
  • BANQ's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM N/A
PM (TTM) 109.48%
GM 40.46%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y11.3%
GM growth 5Y-1.57%
BANQ.BR Yearly Profit, Operating, Gross MarginsBANQ.BR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • BANQ does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, BANQ has more shares outstanding
  • BANQ has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for BANQ has been reduced compared to a year ago.
BANQ.BR Yearly Shares OutstandingBANQ.BR Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
BANQ.BR Yearly Total Debt VS Total AssetsBANQ.BR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.2 Solvency

  • Based on the Altman-Z score of -0.60, we must say that BANQ is in the distress zone and has some risk of bankruptcy.
  • BANQ has a worse Altman-Z score (-0.60) than 79.46% of its industry peers.
  • A Debt/Equity ratio of 0.28 indicates that BANQ is not too dependend on debt financing.
  • BANQ has a Debt to Equity ratio of 0.28. This is comparable to the rest of the industry: BANQ outperforms 49.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF N/A
Altman-Z -0.6
ROIC/WACCN/A
WACC14.22%
BANQ.BR Yearly LT Debt VS Equity VS FCFBANQ.BR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M

2.3 Liquidity

  • BANQ has a Current Ratio of 0.97. This is a bad value and indicates that BANQ is not financially healthy enough and could expect problems in meeting its short term obligations.
  • BANQ has a Current ratio of 0.97. This is in the lower half of the industry: BANQ underperforms 75.00% of its industry peers.
  • A Quick Ratio of 0.97 indicates that BANQ may have some problems paying its short term obligations.
  • The Quick ratio of BANQ (0.97) is worse than 74.11% of its industry peers.
Industry RankSector Rank
Current Ratio 0.97
Quick Ratio 0.97
BANQ.BR Yearly Current Assets VS Current LiabilitesBANQ.BR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • BANQ shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 184.85%, which is quite impressive.
  • BANQ shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -19.06%.
  • The Revenue has been growing by 12.22% on average over the past years. This is quite good.
EPS 1Y (TTM)184.85%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-9.37%
Revenue 1Y (TTM)-19.06%
Revenue growth 3Y-21.17%
Revenue growth 5Y12.22%
Sales Q2Q%-11.36%

3.2 Future

  • Based on estimates for the next years, BANQ will show a very strong growth in Earnings Per Share. The EPS will grow by 24.62% on average per year.
  • BANQ is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.37% yearly.
EPS Next Y-16.13%
EPS Next 2Y31.49%
EPS Next 3Y24.62%
EPS Next 5YN/A
Revenue Next Year-30.77%
Revenue Next 2Y-10.66%
Revenue Next 3Y-3.07%
Revenue Next 5Y-0.37%

3.3 Evolution

  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BANQ.BR Yearly Revenue VS EstimatesBANQ.BR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 50M 100M 150M
BANQ.BR Yearly EPS VS EstimatesBANQ.BR Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 -0.2 -0.4 -0.6 -0.8 -1

More info and screens

Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 1.93, which indicates a rather cheap valuation of BANQ.
  • Based on the Price/Earnings ratio, BANQ is valued cheaply inside the industry as 99.11% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 26.98, BANQ is valued rather cheaply.
  • The Forward Price/Earnings Ratio is negative for BANQ. No positive earnings are expected for the next year.
Industry RankSector Rank
PE 1.93
Fwd PE N/A
BANQ.BR Price Earnings VS Forward Price EarningsBANQ.BR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 40

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BANQ.BR Per share dataBANQ.BR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3

4.3 Compensation for Growth

  • BANQ's earnings are expected to grow with 24.62% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y31.49%
EPS Next 3Y24.62%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for BANQ!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

BANQUP GROUP

EBR:BANQ (2/24/2026, 7:00:00 PM)

3.79

-0.19 (-4.77%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-13
Earnings (Next)02-26
Inst Owners1.27%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap140.76M
Revenue(TTM)63.85M
Net Income(TTM)69.90M
Analysts77.78
Price Target4.12 (8.71%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
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)-13.43%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-18.94%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-8.69%
Valuation
Industry RankSector Rank
PE 1.93
Fwd PE N/A
P/S 2.2
P/FCF N/A
P/OCF N/A
P/B 1.12
P/tB N/A
EV/EBITDA N/A
EPS(TTM)1.96
EY51.72%
EPS(NY)-0.21
Fwd EYN/A
FCF(TTM)-0.65
FCFYN/A
OCF(TTM)-0.21
OCFYN/A
SpS1.72
BVpS3.37
TBVpS-0.66
PEG (NY)N/A
PEG (5Y)N/A
Graham Number12.2
Profitability
Industry RankSector Rank
ROA 24.26%
ROE 55.77%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 109.48%
GM 40.46%
FCFM N/A
ROA(3y)-7%
ROA(5y)-8.63%
ROE(3y)-30.22%
ROE(5y)-24.84%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y11.3%
GM growth 5Y-1.57%
F-Score4
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 70.95%
Cap/Sales 25.23%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.97
Quick Ratio 0.97
Altman-Z -0.6
F-Score4
WACC14.22%
ROIC/WACCN/A
Cap/Depr(3y)76.06%
Cap/Depr(5y)83.48%
Cap/Sales(3y)16.74%
Cap/Sales(5y)16.41%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)184.85%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-9.37%
EPS Next Y-16.13%
EPS Next 2Y31.49%
EPS Next 3Y24.62%
EPS Next 5YN/A
Revenue 1Y (TTM)-19.06%
Revenue growth 3Y-21.17%
Revenue growth 5Y12.22%
Sales Q2Q%-11.36%
Revenue Next Year-30.77%
Revenue Next 2Y-10.66%
Revenue Next 3Y-3.07%
Revenue Next 5Y-0.37%
EBIT growth 1Y-12.8%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year42.12%
EBIT Next 3Y37.19%
EBIT Next 5Y25.41%
FCF growth 1Y-11.52%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-2501.53%
OCF growth 3Y-4.85%
OCF growth 5YN/A

BANQUP GROUP / BANQ.BR FAQ

What is the ChartMill fundamental rating of BANQUP GROUP (BANQ.BR) stock?

ChartMill assigns a fundamental rating of 2 / 10 to BANQ.BR.


Can you provide the valuation status for BANQUP GROUP?

ChartMill assigns a valuation rating of 3 / 10 to BANQUP GROUP (BANQ.BR). This can be considered as Overvalued.


What is the profitability of BANQ stock?

BANQUP GROUP (BANQ.BR) has a profitability rating of 3 / 10.


Can you provide the financial health for BANQ stock?

The financial health rating of BANQUP GROUP (BANQ.BR) is 1 / 10.


Can you provide the expected EPS growth for BANQ stock?

The Earnings per Share (EPS) of BANQUP GROUP (BANQ.BR) is expected to decline by -16.13% in the next year.