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BANCO MACRO SA-ADR (BMA) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:BMA - US05961W1053 - ADR

86.97 USD
-2.48 (-2.77%)
Last: 12/12/2025, 8:16:09 PM
86.97 USD
0 (0%)
After Hours: 12/12/2025, 8:16:09 PM
Fundamental Rating

3

Taking everything into account, BMA scores 3 out of 10 in our fundamental rating. BMA was compared to 386 industry peers in the Banks industry. BMA may be in some trouble as it scores bad on both profitability and health. BMA shows excellent growth, but is valued quite expensive already.


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.
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

BMA has a Return On Assets of 2.24%. This is amongst the best in the industry. BMA outperforms 97.93% of its industry peers.
The Return On Equity of BMA (9.17%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 2.24%
ROE 9.17%
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

Looking at the Profit Margin, with a value of 10.31%, BMA is doing worse than 83.68% of the companies in the same industry.
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) 10.31%
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

Compared to 1 year ago, BMA has about the same amount of shares outstanding.
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

A Debt/Equity ratio of 0.23 indicates that BMA is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.23, BMA is not doing good in the industry: 61.92% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF N/A
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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7

3. Growth

3.1 Past

The earnings per share for BMA have decreased strongly by -51.04% in the last year.
The Earnings Per Share has been growing by 45.01% on average over the past years. This is a very strong growth
The Revenue has grown by 63.68% in the past year. This is a very strong growth!
The Revenue has been growing by 110.09% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-51.04%
EPS 3Y115.12%
EPS 5Y45.01%
EPS Q2Q%-136.42%
Revenue 1Y (TTM)63.68%
Revenue growth 3Y130.21%
Revenue growth 5Y110.09%
Sales Q2Q%4.28%

3.2 Future

Based on estimates for the next years, BMA will show a very strong growth in Earnings Per Share. The EPS will grow by 58.17% on average per year.
BMA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.14% yearly.
EPS Next Y56.57%
EPS Next 2Y75.5%
EPS Next 3Y58.17%
EPS Next 5YN/A
Revenue Next Year-1.03%
Revenue Next 2Y1.37%
Revenue Next 3Y7.14%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 2027 1T 2T 3T 4T 5T
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 2027 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 58.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y75.5%
EPS Next 3Y58.17%

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0

5. Dividend

5.1 Amount

BMA does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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BANCO MACRO SA-ADR

NYSE:BMA (12/12/2025, 8:16:09 PM)

After market: 86.97 0 (0%)

86.97

-2.48 (-2.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-27 2025-11-27/dmh
Earnings (Next)02-24 2026-02-24/amc
Inst Owners31.86%
Inst Owner Change1.54%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.46B
Revenue(TTM)4.76T
Net Income(TTM)414.02B
Analysts86.67
Price TargetN/A
Short Float %4.02%
Short Ratio1.13
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP59.04%
Div Incr Years2
Div Non Decr Years2
Ex-Date11-17 2025-11-17 (0.348601)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.47%
Min EPS beat(2)-24.13%
Max EPS beat(2)17.19%
EPS beat(4)1
Avg EPS beat(4)-24.51%
Min EPS beat(4)-51.11%
Max EPS beat(4)17.19%
EPS beat(8)3
Avg EPS beat(8)244.53%
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)-23.52%
Min Revenue beat(2)-23.64%
Max Revenue beat(2)-23.41%
Revenue beat(4)1
Avg Revenue beat(4)-19.43%
Min Revenue beat(4)-31.06%
Max Revenue beat(4)0.4%
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)0.94%
EPS NQ rev (3m)-9.63%
EPS NY rev (1m)0.12%
EPS NY rev (3m)-17.9%
Revenue NQ rev (1m)-0.34%
Revenue NQ rev (3m)-0.34%
Revenue NY rev (1m)9.97%
Revenue NY rev (3m)9.97%
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 2.24%
ROE 9.17%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.31%
GM N/A
FCFM 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
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-22.24%
PM growth 5Y-22.5%
GM growth 3YN/A
GM growth 5YN/A
F-Score1
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 0.23
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 3.7%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score1
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)-51.04%
EPS 3Y115.12%
EPS 5Y45.01%
EPS Q2Q%-136.42%
EPS Next Y56.57%
EPS Next 2Y75.5%
EPS Next 3Y58.17%
EPS Next 5YN/A
Revenue 1Y (TTM)63.68%
Revenue growth 3Y130.21%
Revenue growth 5Y110.09%
Sales Q2Q%4.28%
Revenue Next Year-1.03%
Revenue Next 2Y1.37%
Revenue Next 3Y7.14%
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-144.62%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-112.41%
OCF growth 3YN/A
OCF growth 5YN/A

BANCO MACRO SA-ADR / BMA FAQ

What is the ChartMill fundamental rating of BANCO MACRO SA-ADR (BMA) stock?

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


Can you provide the valuation status for BANCO MACRO SA-ADR?

ChartMill assigns a valuation rating of 1 / 10 to BANCO MACRO SA-ADR (BMA). This can be considered as Overvalued.


Can you provide the profitability details for BANCO MACRO SA-ADR?

BANCO MACRO SA-ADR (BMA) has a profitability rating of 2 / 10.


What is the earnings growth outlook for BANCO MACRO SA-ADR?

The Earnings per Share (EPS) of BANCO MACRO SA-ADR (BMA) is expected to grow by 56.57% in the next year.