BANCO MACRO SA-ADR (BMA) Stock Fundamental Analysis

NYSE:BMA • US05961W1053

88.98 USD
-5.3 (-5.62%)
Last: Feb 12, 2026, 12:57 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BMA. BMA was compared to 381 industry peers in the Banks industry. BMA may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, BMA is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • BMA had positive earnings in each of the past 5 years.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500B -500B -1T -1.5T

1.2 Ratios

  • BMA has a better Return On Assets (1.41%) than 86.35% of its industry peers.
  • With a Return On Equity value of 6.10%, BMA is not doing good in the industry: 71.65% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 1.41%
ROE 6.1%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

  • The Profit Margin of BMA (7.04%) is worse than 86.61% 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) 7.04%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

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
  • BMA has a better debt/assets ratio than last year.
BMA Yearly Shares OutstandingBMA Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5T 10T

2.2 Solvency

  • A Debt/Equity ratio of 0.34 indicates that BMA is not too dependend on debt financing.
  • BMA has a Debt to Equity ratio of 0.34. This is in the lower half of the industry: BMA underperforms 70.08% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.34
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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B 1T

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • BMA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -51.04%.
  • The Earnings Per Share has been growing by 45.01% on average over the past years. This is a very strong growth
  • Looking at the last year, BMA shows a very negative growth in Revenue. The Revenue has decreased by -44.81% in the last year.
  • BMA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 110.09% yearly.
EPS 1Y (TTM)-51.04%
EPS 3Y115.12%
EPS 5Y45.01%
EPS Q2Q%-136.42%
Revenue 1Y (TTM)-44.81%
Revenue growth 3Y130.21%
Revenue growth 5Y110.09%
Sales Q2Q%4.28%

3.2 Future

  • The Earnings Per Share is expected to grow by 58.17% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 8.56% on average over the next years. This is quite good.
EPS Next Y11.86%
EPS Next 2Y71.65%
EPS Next 3Y58.17%
EPS Next 5YN/A
Revenue Next Year4.36%
Revenue Next 2Y6.44%
Revenue Next 3Y8.56%
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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5K 10K 15K

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Find the best growth stocksShow best growing peers

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 58.17% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y71.65%
EPS Next 3Y58.17%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

BANCO MACRO SA-ADR

NYSE:BMA (2/12/2026, 12:57:25 PM)

88.98

-5.3 (-5.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-27
Earnings (Next)02-24
Inst Owners31.86%
Inst Owner Change6.4%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.59B
Revenue(TTM)4.12T
Net Income(TTM)290.05B
Analysts83.64
Price TargetN/A
Short Float %1.66%
Short Ratio1.16
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP61.5%
Div Incr Years2
Div Non Decr Years2
Ex-Date01-22
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-59.62%
Min EPS beat(2)-136.43%
Max EPS beat(2)17.19%
EPS beat(4)1
Avg EPS beat(4)-45.83%
Min EPS beat(4)-136.43%
Max EPS beat(4)17.19%
EPS beat(8)3
Avg EPS beat(8)236.46%
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)1
Avg Revenue beat(2)-5.47%
Min Revenue beat(2)-23.64%
Max Revenue beat(2)12.7%
Revenue beat(4)1
Avg Revenue beat(4)-16.35%
Min Revenue beat(4)-31.06%
Max Revenue beat(4)12.7%
Revenue beat(8)5
Avg Revenue beat(8)70.46%
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)15.64%
EPS NQ rev (3m)77.41%
EPS NY rev (1m)-17.36%
EPS NY rev (3m)-28.47%
Revenue NQ rev (1m)3.25%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)15.97%
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 1.41%
ROE 6.1%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 7.04%
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 Turnover0.2
Health
Industry RankSector Rank
Debt/Equity 0.34
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 3.82%
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 Y11.86%
EPS Next 2Y71.65%
EPS Next 3Y58.17%
EPS Next 5YN/A
Revenue 1Y (TTM)-44.81%
Revenue growth 3Y130.21%
Revenue growth 5Y110.09%
Sales Q2Q%4.28%
Revenue Next Year4.36%
Revenue Next 2Y6.44%
Revenue Next 3Y8.56%
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-115.46%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-105.3%
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.


What is the valuation status for BMA stock?

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.


Can you provide the expected EPS growth for BMA stock?

The Earnings per Share (EPS) of BANCO MACRO SA-ADR (BMA) is expected to grow by 11.86% in the next year.