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BBVA ARGENTINA SA-ADR (BBAR) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:BBAR - US0589341009 - ADR

18.36 USD
+0.04 (+0.22%)
Last: 12/23/2025, 3:36:37 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BBAR. BBAR was compared to 388 industry peers in the Banks industry. BBAR has a bad profitability rating. Also its financial health evaluation is rather negative. BBAR is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

Each year in the past 5 years BBAR has been profitable.
In multiple years BBAR reported negative operating cash flow during the last 5 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

Looking at the Return On Assets, with a value of 1.64%, BBAR belongs to the top of the industry, outperforming 92.53% of the companies in the same industry.
The Return On Equity of BBAR (10.99%) is better than 73.97% of its industry peers.
Industry RankSector 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
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 (11.11%) is worse than 82.99% of its industry peers.
In the last couple of years the Profit Margin of BBAR has remained more or less at the same level.
BBAR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
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.
Compared to 5 years ago, BBAR has about the same amount of shares outstanding.
The debt/assets ratio for BBAR is higher compared to a year ago.
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

BBAR has a debt to FCF ratio of 0.84. This is a very positive value and a sign of high solvency as it would only need 0.84 years to pay back of all of its debts.
BBAR has a better Debt to FCF ratio (0.84) than 71.39% of its industry peers.
A Debt/Equity ratio of 0.14 indicates that BBAR is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.14, BBAR is in line with its industry, outperforming 57.73% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 0.84
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

BBAR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 105.04%, which is quite impressive.
The Earnings Per Share has been growing by 40.05% on average over the past years. This is a very strong growth
Looking at the last year, BBAR shows a very strong growth in Revenue. The Revenue has grown by 195.71%.
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%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
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

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

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BBVA ARGENTINA SA-ADR

NYSE:BBAR (12/23/2025, 3:36:37 PM)

18.36

+0.04 (+0.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-27 2025-11-27/dmh
Earnings (Next)03-03 2026-03-03
Inst Owners9.61%
Inst Owner Change-4.57%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap3.75B
Revenue(TTM)144.27B
Net Income(TTM)316.32B
Analysts86.67
Price TargetN/A
Short Float %2.35%
Short Ratio1.23
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP14.27%
Div Incr Years2
Div Non Decr Years2
Ex-Date12-16 2025-12-16 (0.033125)
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)0%
EPS NQ rev (3m)-24.27%
EPS NY rev (1m)-19.17%
EPS NY rev (3m)-32.39%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-7.71%
Revenue NY rev (1m)-2.94%
Revenue NY rev (3m)-2.94%
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
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 1.64%
ROE 10.99%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 11.11%
GM N/A
FCFM 16.9%
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
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 3Y-1.94%
PM growth 5Y-0.03%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 0.14
Debt/FCF 0.84
Debt/EBITDA N/A
Cap/Depr 179.03%
Cap/Sales 5.98%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 152.02%
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%N/A
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%43.37%
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 1Y1156.42%
FCF growth 3Y171.58%
FCF growth 5YN/A
OCF growth 1Y2423.35%
OCF growth 3Y158.21%
OCF growth 5YN/A

BBVA ARGENTINA SA-ADR / BBAR FAQ

Can you provide the ChartMill fundamental rating for BBVA ARGENTINA SA-ADR?

ChartMill assigns a fundamental rating of 3 / 10 to BBAR.


What is the valuation status of BBVA ARGENTINA SA-ADR (BBAR) stock?

ChartMill assigns a valuation rating of 0 / 10 to BBVA ARGENTINA SA-ADR (BBAR). This can be considered as Overvalued.


Can you provide the profitability details for BBVA ARGENTINA SA-ADR?

BBVA ARGENTINA SA-ADR (BBAR) has a profitability rating of 3 / 10.


How financially healthy is BBVA ARGENTINA SA-ADR?

The financial health rating of BBVA ARGENTINA SA-ADR (BBAR) is 3 / 10.


What is the expected EPS growth for BBVA ARGENTINA SA-ADR (BBAR) stock?

The Earnings per Share (EPS) of BBVA ARGENTINA SA-ADR (BBAR) is expected to decline by -46.85% in the next year.