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BANCO MACRO SA-ADR (BMA) Stock Fundamental Analysis

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

71.435  +2.38 (+3.44%)

Fundamental Rating

3

Overall BMA gets a fundamental rating of 3 out of 10. We evaluated BMA against 395 industry peers in the Banks industry. Both the profitability and financial health of BMA have multiple concerns. While showing a medium growth rate, BMA is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

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

BMA has a Return On Assets of 2.29%. This is amongst the best in the industry. BMA outperforms 97.22% of its industry peers.
The Return On Equity of BMA (8.31%) is comparable to the rest of the industry.
Industry RankSector 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
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

With a Profit Margin value of 6.50%, BMA is not doing good in the industry: 87.09% of the companies in the same industry are doing better.
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 RankSector 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
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

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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

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.
BMA has a worse Debt to FCF ratio (21.37) than 82.78% 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.
BMA has a Debt to Equity ratio of 0.11. This is in the better half of the industry: BMA outperforms 66.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF 21.37
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

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6

3. Growth

3.1 Past

The earnings per share for BMA have decreased strongly by -59.56% in the last year.
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 quite strong growth in Revenue. The Revenue has grown by 16.46% in the last year.
Measured over the past years, BMA shows a very strong growth in Revenue. The Revenue has been growing by 110.09% on average per year.
EPS 1Y (TTM)-59.56%
EPS 3Y79%
EPS 5Y63.39%
EPS Q2Q%-86.27%
Revenue 1Y (TTM)16.46%
Revenue growth 3Y130.21%
Revenue growth 5Y110.09%
Sales Q2Q%-54.47%

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.
Based on estimates for the next years, BMA will show a small growth in Revenue. The Revenue will grow by 5.09% on average per year.
EPS Next Y188.12%
EPS Next 2Y104.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3.64%
Revenue Next 2Y5.09%
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

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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

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0

5. Dividend

5.1 Amount

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

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BANCO MACRO SA-ADR

NYSE:BMA (6/24/2025, 11:32:52 AM)

71.435

+2.38 (+3.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-22 2025-05-22
Earnings (Next)08-20 2025-08-20
Inst Owners37.52%
Inst Owner Change-12.66%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap4.49B
Analysts85
Price TargetN/A
Short Float %1.47%
Short Ratio0.86
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP126.51%
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)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)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-10.24%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.84%
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 2.29%
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 RankSector 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)-59.56%
EPS 3Y79%
EPS 5Y63.39%
EPS Q2Q%-86.27%
EPS Next Y188.12%
EPS Next 2Y104.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.46%
Revenue growth 3Y130.21%
Revenue growth 5Y110.09%
Sales Q2Q%-54.47%
Revenue Next Year-3.64%
Revenue Next 2Y5.09%
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 1Y-9.82%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y204.15%
OCF growth 3YN/A
OCF growth 5YN/A