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BANCO MACRO SA-ADR (BMA) Stock Fundamental Analysis

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

70  +0.5 (+0.72%)

After market: 69.52 -0.48 (-0.69%)

Fundamental Rating

3

BMA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. BMA may be in some trouble as it scores bad on both profitability and health. BMA is valied quite expensively at the moment, while it does show a decent growth rate.


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

The Return On Assets of BMA (2.29%) is better than 97.22% of its industry peers.
BMA has a Return On Equity of 8.31%. This is comparable to the rest of the industry: BMA outperforms 49.62% of its industry peers.
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

BMA's Profit Margin of 6.50% is on the low side compared to the rest of the industry. BMA is outperformed by 87.09% of its industry peers.
BMA's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for BMA so they could not be analyzed.
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.
BMA has less shares outstanding than it did 5 years ago.
BMA has a better debt/assets ratio than last year.
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 21.37. This is a negative value and a sign of low solvency as BMA would need 21.37 years to pay back of all of its debts.
The Debt to FCF ratio of BMA (21.37) is worse than 82.78% of its industry peers.
A Debt/Equity ratio of 0.11 indicates that BMA is not too dependend on debt financing.
BMA's Debt to Equity ratio of 0.11 is fine compared to the rest 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

BMA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -59.56%.
Measured over the past years, BMA shows a very strong growth in Earnings Per Share. The EPS has been growing by 63.39% on average per year.
The Revenue has grown by 16.46% in the past year. This is quite good.
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

Based on estimates for the next years, BMA will show a very strong growth in Earnings Per Share. The EPS will grow by 104.04% on average per year.
The Revenue is expected to grow by 5.09% on average over the next years.
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.
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 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

A more expensive valuation may be justified as BMA's earnings are expected to grow with 104.04% in the coming years.
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 (7/3/2025, 7:05:19 PM)

After market: 69.52 -0.48 (-0.69%)

70

+0.5 (+0.72%)

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 Cap4.40B
Analysts85
Price TargetN/A
Short Float %0.97%
Short Ratio0.69
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)-18.13%
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