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BANQUP GROUP (BANQ.BR) Stock Fundamental Analysis

EBR:BANQ - BE0974371032 - Common Stock

3.84 EUR
0 (0%)
Last: 9/5/2025, 7:00:00 PM
Fundamental Rating

3

Taking everything into account, BANQ scores 3 out of 10 in our fundamental rating. BANQ was compared to 108 industry peers in the Software industry. BANQ may be in some trouble as it scores bad on both profitability and health. BANQ has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year BANQ was profitable.
In the past year BANQ had a positive cash flow from operations.
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

Looking at the Return On Assets, with a value of 21.97%, BANQ belongs to the top of the industry, outperforming 95.37% of the companies in the same industry.
BANQ's Return On Equity of 48.16% is amongst the best of the industry. BANQ outperforms 89.81% of its industry peers.
Industry RankSector Rank
ROA 21.97%
ROE 48.16%
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

With an excellent Profit Margin value of 85.02%, BANQ belongs to the best of the industry, outperforming 98.15% of the companies in the same industry.
BANQ has a Gross Margin of 43.56%. This is in the lower half of the industry: BANQ underperforms 74.07% of its industry peers.
BANQ's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM N/A
PM (TTM) 85.02%
GM 43.56%
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

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3

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
The number of shares outstanding for BANQ has been increased compared to 5 years ago.
Compared to 1 year ago, BANQ has an improved debt to assets ratio.
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 -0.25, we must say that BANQ is in the distress zone and has some risk of bankruptcy.
BANQ has a worse Altman-Z score (-0.25) than 81.48% of its industry peers.
BANQ has a Debt/Equity ratio of 0.24. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.24, BANQ is doing good in the industry, outperforming 61.11% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF N/A
Altman-Z -0.25
ROIC/WACCN/A
WACC14.27%
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

A Current Ratio of 1.08 indicates that BANQ should not have too much problems paying its short term obligations.
BANQ has a Current ratio (1.08) which is comparable to the rest of the industry.
BANQ has a Quick Ratio of 1.07. This is a normal value and indicates that BANQ is financially healthy and should not expect problems in meeting its short term obligations.
BANQ has a Quick ratio (1.07) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.08
Quick Ratio 1.07
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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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 184.19%, which is quite impressive.
Looking at the last year, BANQ shows a very negative growth in Revenue. The Revenue has decreased by -11.28% in the last year.
The Revenue has been growing by 12.22% on average over the past years. This is quite good.
EPS 1Y (TTM)184.19%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%256.89%
Revenue 1Y (TTM)-11.28%
Revenue growth 3Y-21.17%
Revenue growth 5Y12.22%
Sales Q2Q%-25.24%

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 25.58% on average per year.
BANQ is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.01% yearly.
EPS Next Y16.56%
EPS Next 2Y28.18%
EPS Next 3Y25.58%
EPS Next 5YN/A
Revenue Next Year-7.76%
Revenue Next 2Y0.37%
Revenue Next 3Y1.01%
Revenue Next 5YN/A

3.3 Evolution

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.
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 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

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 1.95, which indicates a rather cheap valuation of BANQ.
BANQ's Price/Earnings ratio is rather cheap when compared to the industry. BANQ is cheaper than 99.07% of the companies in the same industry.
BANQ's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.06.
BANQ is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE 1.95
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
BANQ's earnings are expected to grow with 25.58% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.12
PEG (5Y)N/A
EPS Next 2Y28.18%
EPS Next 3Y25.58%

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0

5. Dividend

5.1 Amount

No dividends for BANQ!.
Industry RankSector Rank
Dividend Yield N/A

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BANQUP GROUP

EBR:BANQ (9/5/2025, 7:00:00 PM)

3.84

0 (0%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)08-26 2025-08-26
Earnings (Next)11-13 2025-11-13
Inst Owners1.27%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap142.58M
Analysts80
Price Target4.86 (26.56%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-13.45%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 1.95
Fwd PE N/A
P/S 1.71
P/FCF N/A
P/OCF 40.74
P/B 0.97
P/tB N/A
EV/EBITDA N/A
EPS(TTM)1.97
EY51.3%
EPS(NY)-0.66
Fwd EYN/A
FCF(TTM)-0.34
FCFYN/A
OCF(TTM)0.09
OCFY2.45%
SpS2.25
BVpS3.97
TBVpS-0.3
PEG (NY)0.12
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 21.97%
ROE 48.16%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 85.02%
GM 43.56%
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
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 3YN/A
PM growth 5YN/A
GM growth 3Y11.3%
GM growth 5Y-1.57%
F-Score6
Asset Turnover0.26
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 63.24%
Cap/Sales 19.46%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.08
Quick Ratio 1.07
Altman-Z -0.25
F-Score6
WACC14.27%
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)184.19%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%256.89%
EPS Next Y16.56%
EPS Next 2Y28.18%
EPS Next 3Y25.58%
EPS Next 5YN/A
Revenue 1Y (TTM)-11.28%
Revenue growth 3Y-21.17%
Revenue growth 5Y12.22%
Sales Q2Q%-25.24%
Revenue Next Year-7.76%
Revenue Next 2Y0.37%
Revenue Next 3Y1.01%
Revenue Next 5YN/A
EBIT growth 1Y0.77%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year169.27%
EBIT Next 3Y46.99%
EBIT Next 5YN/A
FCF growth 1Y-110.18%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-68.29%
OCF growth 3Y-4.85%
OCF growth 5YN/A