BBVA ARGENTINA SA-ADR (BBAR) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:BBAR • US0589341009

19.93 USD

-0.29 (-1.43%)

Last: Feb 2, 2026, 12:32 PM

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to BBAR. BBAR was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of BBAR have multiple concerns. While showing a medium growth rate, BBAR is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

In the past 5 years BBAR has always been profitable.
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

Looking at the Return On Assets, with a value of 1.64%, BBAR belongs to the top of the industry, outperforming 91.91% of the companies in the same industry.
BBAR has a Return On Equity of 10.99%. This is in the better half of the industry: BBAR outperforms 73.63% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.64%
ROE	10.99%
ROIC	N/A

ROA(3y)2.7%

ROA(5y)2.35%

ROE(3y)13.9%

ROE(5y)13.17%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 11.11%, BBAR is not doing good in the industry: 83.03% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of BBAR has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for BBAR so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	11.11%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-1.94%

PM growth 5Y-0.03%

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.
The number of shares outstanding for BBAR remains at a similar level compared to 5 years ago.
BBAR has a worse debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of BBAR is 0.84, which is an excellent value as it means it would take BBAR, only 0.84 years of fcf income to pay off all of its debts.
BBAR has a better Debt to FCF ratio (0.84) than 71.54% of its industry peers.
A Debt/Equity ratio of 0.14 indicates that BBAR is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.14, BBAR perfoms like the industry average, outperforming 58.22% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.14
Debt/FCF	0.84
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

The Earnings Per Share has grown by an impressive 105.04% over the past year.
BBAR shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 40.05% yearly.
Looking at the last year, BBAR shows a very strong growth in Revenue. The Revenue has grown by 195.71%.
Measured over the past years, BBAR shows a very strong growth in Revenue. The Revenue has been growing by 62.52% on average per year.

EPS 1Y (TTM)105.04%

EPS 3Y67.96%

EPS 5Y40.05%

EPS Q2Q%N/A

Revenue 1Y (TTM)195.71%

Revenue growth 3Y87.92%

Revenue growth 5Y62.52%

Sales Q2Q%43.37%

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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.