BMA Fundamental Analysis - BANCO MACRO SA-ADR

Fundamental Rating

Overall BMA gets a fundamental rating of 3 out of 10. We evaluated BMA against 393 industry peers in the Banks industry. Both the profitability and financial health of BMA have multiple concerns. BMA shows excellent growth, but is valued quite expensive already.

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1. Profitability

1.1 Basic Checks

In the past 5 years BMA has always been profitable.

The reported operating cash flow has been mixed in the past 5 years: BMA reported negative operating cash flow in multiple years.

1.2 Ratios

BMA's Return On Assets of 2.29% is amongst the best of the industry. BMA outperforms 97.71% of its industry peers.

BMA has a Return On Equity (8.31%) which is in line with its industry peers.

		Industry Rank	Sector Rank
ROA	2.29%
ROE	8.31%
ROIC	N/A

ROA(3y)4.26%

ROA(5y)3.73%

ROE(3y)14.74%

ROE(5y)14.41%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BMA has a Profit Margin of 6.50%. This is amonst the worse of the industry: BMA underperforms 86.51% of its industry peers.

BMA's Profit Margin has declined in the last couple of years.

BMA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	6.5%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-22.24%

PM growth 5Y-22.5%

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

BMA has about the same amout of shares outstanding than it did 1 year ago.

The number of shares outstanding for BMA has been reduced compared to 5 years ago.

Compared to 1 year ago, BMA has an improved debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of BMA is 21.37, which is on the high side as it means it would take BMA, 21.37 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of BMA (21.37) is worse than 81.68% of its industry peers.

BMA has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.11, BMA is in the better half of the industry, outperforming 65.65% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.11
Debt/FCF	21.37
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

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 1245.92% over the past year.

The Earnings Per Share has been growing by 101.85% on average over the past years. This is a very strong growth

The Revenue has grown by 468.01% in the past year. This is a very strong growth!

BMA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 119.72% yearly.

EPS 1Y (TTM)1245.92%

EPS 3Y168.47%

EPS 5Y101.85%

EPS Q2Q%511.61%

Revenue 1Y (TTM)468.01%

Revenue growth 3Y138.8%

Revenue growth 5Y119.72%

Sales Q2Q%-58.92%

3.2 Future

The Earnings Per Share is expected to grow by 19.25% on average over the next years. This is quite good.

The Revenue is expected to grow by 49.72% on average over the next years. This is a very strong growth

EPS Next Y-46.38%

EPS Next 2Y-1.27%

EPS Next 3Y23.76%

EPS Next 5Y19.25%

Revenue Next Year288.09%

Revenue Next 2Y87.38%

Revenue Next 3Y57.8%

Revenue Next 5Y49.72%

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

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Find the best growth stocks

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4. Valuation

4.1 Price/Earnings Ratio

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

BMA's earnings are expected to grow with 23.76% in the coming years. This may justify a more expensive valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-1.27%

EPS Next 3Y23.76%

More info and screens

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5. Dividend

5.1 Amount

BMA does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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BANCO MACRO SA-ADR

NYSE:BMA (8/28/2025, 12:05:03 PM)

60.455

+3.02 (+5.27%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-27 2025-08-27/amc

Earnings (Next)11-25 2025-11-25

Inst Owners37.52%

Inst Owner Change-5.16%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap3.80B

Analysts85

Price TargetN/A

Short Float %1.79%

Short Ratio1.23

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DP126.51%

Div Incr Years2

Div Non Decr Years2

Ex-Date08-15 2025-08-15 (0.365809)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-32.05%

Min EPS beat(2)-39.97%

Max EPS beat(2)-24.13%

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)0

Avg Revenue beat(2)-27.24%

Min Revenue beat(2)-31.06%

Max Revenue beat(2)-23.41%

Revenue beat(4)2

Avg Revenue beat(4)4.1%

Min Revenue beat(4)-31.06%

Max Revenue beat(4)70.4%

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)2.72%

EPS NQ rev (3m)-37.98%

EPS NY rev (1m)-27.12%

EPS NY rev (3m)-27.12%

Revenue NQ rev (1m)1.55%

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)-5.95%

Revenue NY rev (3m)-5.95%

Valuation

		Industry Rank	Sector 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 Rank	Sector Rank
ROA	2.29%
ROE	8.31%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	6.5%
GM	N/A
FCFM	0.42%

ROA(3y)4.26%

ROA(5y)3.73%

ROE(3y)14.74%

ROE(5y)14.41%

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-22.24%

PM growth 5Y-22.5%

GM growth 3YN/A

GM growth 5YN/A

F-Score3

Asset Turnover0.35

Health

		Industry Rank	Sector Rank
Debt/Equity	0.11
Debt/FCF	21.37
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	2.49%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	6.41%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score3

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)3.11%

Cap/Sales(5y)3.07%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)1245.92%

EPS 3Y168.47%

EPS 5Y101.85%

EPS Q2Q%511.61%

EPS Next Y-46.38%

EPS Next 2Y-1.27%

EPS Next 3Y23.76%

EPS Next 5Y19.25%

Revenue 1Y (TTM)468.01%

Revenue growth 3Y138.8%

Revenue growth 5Y119.72%

Sales Q2Q%-58.92%

Revenue Next Year288.09%

Revenue Next 2Y87.38%

Revenue Next 3Y57.8%

Revenue Next 5Y49.72%

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 1Y-9.82%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y204.15%

OCF growth 3YN/A

OCF growth 5YN/A

BANCO MACRO SA-ADR (BMA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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