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BBVA ARGENTINA SA-ADR (BBAR) Stock Fundamental Analysis

NYSE:BBAR - US0589341009 - ADR

12.58 USD
-0.28 (-2.18%)
Last: 8/27/2025, 9:34:02 AM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BBAR. BBAR was compared to 393 industry peers in the Banks industry. BBAR has a bad profitability rating. Also its financial health evaluation is rather negative. BBAR is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

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.
BBAR Yearly Net Income VS EBIT VS OCF VS FCFBBAR 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 2024 0 200B 400B 600B 800B

1.2 Ratios

With an excellent Return On Assets value of 2.68%, BBAR belongs to the best of the industry, outperforming 99.24% of the companies in the same industry.
BBAR has a Return On Equity of 15.30%. This is amongst the best in the industry. BBAR outperforms 93.64% of its industry peers.
Industry RankSector Rank
ROA 2.68%
ROE 15.3%
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
BBAR Yearly ROA, ROE, ROICBBAR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

The Profit Margin of BBAR (12.70%) is worse than 78.88% of its industry peers.
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 RankSector Rank
OM N/A
PM (TTM) 12.7%
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
BBAR Yearly Profit, Operating, Gross MarginsBBAR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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3

2. Health

2.1 Basic Checks

Compared to 1 year ago, BBAR has about the same amount of shares outstanding.
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.
BBAR Yearly Shares OutstandingBBAR Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
BBAR Yearly Total Debt VS Total AssetsBBAR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5T 10T

2.2 Solvency

The Debt to FCF ratio of BBAR is 0.31, which is an excellent value as it means it would take BBAR, only 0.31 years of fcf income to pay off all of its debts.
BBAR has a better Debt to FCF ratio (0.31) than 85.24% of its industry peers.
A Debt/Equity ratio of 0.09 indicates that BBAR is not too dependend on debt financing.
BBAR's Debt to Equity ratio of 0.09 is fine compared to the rest of the industry. BBAR outperforms 73.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.31
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
BBAR Yearly LT Debt VS Equity VS FCFBBAR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500B 1T 1.5T 2T 2.5T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BBAR Yearly Current Assets VS Current LiabilitesBBAR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 105.04% over the past year.
The Earnings Per Share has been growing by 40.05% on average over the past years. This is a very strong growth
The Revenue has grown by 195.71% in the past year. This is a very strong growth!
The Revenue has been growing by 62.52% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)105.04%
EPS 3Y67.96%
EPS 5Y40.05%
EPS Q2Q%-45.79%
Revenue 1Y (TTM)195.71%
Revenue growth 3Y87.92%
Revenue growth 5Y62.52%
Sales Q2Q%11.16%

3.2 Future

Based on estimates for the next years, BBAR will show a very negative growth in Earnings Per Share. The EPS will decrease by -33.97% on average per year.
Based on estimates for the next years, BBAR will show a very negative growth in Revenue. The Revenue will decrease by -47.44% on average per year.
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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BBAR Yearly Revenue VS EstimatesBBAR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1T 2T 3T 4T
BBAR Yearly EPS VS EstimatesBBAR Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2024 2025 2026 2027 1K 2K 3K

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0

4. Valuation

4.1 Price/Earnings Ratio

Industry RankSector Rank
PE N/A
Fwd PE N/A
BBAR Price Earnings VS Forward Price EarningsBBAR 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
BBAR Per share dataBBAR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share

4.3 Compensation for Growth

A cheap valuation may be justified as BBAR's earnings are expected to decrease with -24.13% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-24.13%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

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

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BBVA ARGENTINA SA-ADR

NYSE:BBAR (8/27/2025, 9:34:02 AM)

12.58

-0.28 (-2.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-20 2025-08-20/amc
Earnings (Next)11-19 2025-11-19
Inst Owners12.64%
Inst Owner Change15.84%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap2.57B
Analysts85
Price TargetN/A
Short Float %2.67%
Short Ratio2.83
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP22.97%
Div Incr Years2
Div Non Decr Years2
Ex-Date08-18 2025-08-18 (0.022446)
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)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)10820.5%
EPS NY rev (3m)10820.5%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)85.16%
Revenue NY rev (3m)85.16%
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 2.68%
ROE 15.3%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 12.7%
GM N/A
FCFM 24.1%
ROA(3y)2.7%
ROA(5y)2.35%
ROE(3y)13.9%
ROE(5y)13.17%
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-1.94%
PM growth 5Y-0.03%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.21
Health
Industry RankSector Rank
Debt/Equity 0.09
Debt/FCF 0.31
Debt/EBITDA N/A
Cap/Depr 206.66%
Cap/Sales 5.3%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 189.74%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)167.65%
Cap/Depr(5y)143.28%
Cap/Sales(3y)4.89%
Cap/Sales(5y)4.57%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)105.04%
EPS 3Y67.96%
EPS 5Y40.05%
EPS Q2Q%-45.79%
EPS Next Y-46.85%
EPS Next 2Y-24.13%
EPS Next 3YN/A
EPS Next 5Y-33.97%
Revenue 1Y (TTM)195.71%
Revenue growth 3Y87.92%
Revenue growth 5Y62.52%
Sales Q2Q%11.16%
Revenue Next Year4%
Revenue Next 2Y33.85%
Revenue Next 3YN/A
Revenue Next 5Y-47.44%
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 1Y2017.38%
FCF growth 3Y171.58%
FCF growth 5YN/A
OCF growth 1Y29915.8%
OCF growth 3Y158.21%
OCF growth 5YN/A