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BANCO MACRO SA-ADR (BMA) Stock Fundamental Analysis

NYSE:BMA - New York Stock Exchange, Inc. - US05961W1053 - ADR - Currency: USD

88.52  -1.94 (-2.14%)

After market: 88.5 -0.02 (-0.02%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BMA. BMA was compared to 398 industry peers in the Banks industry. BMA has a bad profitability rating. Also its financial health evaluation is rather negative. BMA shows excellent growth, but is valued quite expensive already.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

In the past 5 years BMA has always been profitable.
In multiple years BMA reported negative operating cash flow during the last 5 years.
BMA Yearly Net Income VS EBIT VS OCF VS FCFBMA 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 500B -500B -1T -1.5T

1.2 Ratios

With an excellent Return On Assets value of 4.49%, BMA belongs to the best of the industry, outperforming 99.75% of the companies in the same industry.
BMA's Return On Equity of 16.07% is amongst the best of the industry. BMA outperforms 94.47% of its industry peers.
Industry RankSector Rank
ROA 4.49%
ROE 16.07%
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
BMA Yearly ROA, ROE, ROICBMA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

BMA has a Profit Margin of 9.66%. This is amonst the worse of the industry: BMA underperforms 83.92% of its industry peers.
In the last couple of years the Profit Margin of BMA has declined.
BMA 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) 9.66%
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
BMA Yearly Profit, Operating, Gross MarginsBMA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

2

2. Health

2.1 Basic Checks

The number of shares outstanding for BMA remains at a similar level compared to 1 year ago.
Compared to 5 years ago, BMA has less shares outstanding
Compared to 1 year ago, BMA has an improved debt to assets ratio.
BMA Yearly Shares OutstandingBMA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
BMA Yearly Total Debt VS Total AssetsBMA 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

BMA has a debt to FCF ratio of 5.90. This is a neutral value as BMA would need 5.90 years to pay back of all of its debts.
BMA has a Debt to FCF ratio of 5.90. This is in the lower half of the industry: BMA underperforms 72.11% of its industry peers.
A Debt/Equity ratio of 0.12 indicates that BMA is not too dependend on debt financing.
BMA's Debt to Equity ratio of 0.12 is fine compared to the rest of the industry. BMA outperforms 66.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 5.9
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
BMA Yearly LT Debt VS Equity VS FCFBMA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2T 4T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BMA Yearly Current Assets VS Current LiabilitesBMA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B 1T

8

3. Growth

3.1 Past

BMA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.84%, which is quite good.
BMA shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 63.39% yearly.
Looking at the last year, BMA shows a very strong growth in Revenue. The Revenue has grown by 115.20%.
The Revenue has been growing by 110.09% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)8.84%
EPS 3Y79%
EPS 5Y63.39%
EPS Q2Q%-74.37%
Revenue 1Y (TTM)115.2%
Revenue growth 3Y130.21%
Revenue growth 5Y110.09%
Sales Q2Q%-12.02%

3.2 Future

BMA is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 104.04% yearly.
BMA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.02% yearly.
EPS Next Y188.12%
EPS Next 2Y104.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3.31%
Revenue Next 2Y4.02%
Revenue Next 3YN/A
Revenue Next 5YN/A

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 accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BMA Yearly Revenue VS EstimatesBMA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1T 2T 3T 4T
BMA Yearly EPS VS EstimatesBMA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 5K 10K 15K

1

4. Valuation

4.1 Price/Earnings Ratio

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

4.3 Compensation for Growth

BMA's earnings are expected to grow with 104.04% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y104.04%
EPS Next 3YN/A

0

5. Dividend

5.1 Amount

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

BANCO MACRO SA-ADR

NYSE:BMA (4/30/2025, 8:04:00 PM)

After market: 88.5 -0.02 (-0.02%)

88.52

-1.94 (-2.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-26 2025-02-26/amc
Earnings (Next)05-20 2025-05-20
Inst Owners34.99%
Inst Owner Change-1.22%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.56B
Analysts81.67
Price TargetN/A
Short Float %1.45%
Short Ratio0.86
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP71.76%
Div Incr Years2
Div Non Decr Years2
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)2
Avg Revenue beat(2)16.4%
Min Revenue beat(2)0.49%
Max Revenue beat(2)32.32%
Revenue beat(4)4
Avg Revenue beat(4)58.01%
Min Revenue beat(4)0.49%
Max Revenue beat(4)128.84%
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)-0.33%
EPS NY rev (1m)-18.13%
EPS NY rev (3m)26.92%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-4.51%
Revenue NY rev (3m)-2.83%
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 4.49%
ROE 16.07%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 9.66%
GM N/A
FCFM 1.25%
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 Turnover0.46
Health
Industry RankSector Rank
Debt/Equity 0.12
Debt/FCF 5.9
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 1.85%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 12.9%
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)8.84%
EPS 3Y79%
EPS 5Y63.39%
EPS Q2Q%-74.37%
EPS Next Y188.12%
EPS Next 2Y104.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)115.2%
Revenue growth 3Y130.21%
Revenue growth 5Y110.09%
Sales Q2Q%-12.02%
Revenue Next Year-3.31%
Revenue Next 2Y4.02%
Revenue Next 3YN/A
Revenue Next 5YN/A
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 1Y104.2%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y110.74%
OCF growth 3YN/A
OCF growth 5YN/A