BSMX Fundamental Analysis - Banco Santander Mexico SA Institucion de Banca Multiple Grupo

Fundamental Rating

BSMX gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 393 industry peers in the Banks industry. While BSMX is still in line with the averages on profitability rating, there are concerns on its financial health. BSMX may be a bit undervalued, certainly considering the very reasonable score on growth Finally BSMX also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

BSMX had positive earnings in the past year.

In the past year BSMX had a positive cash flow from operations.

BSMX had positive earnings in each of the past 5 years.

In multiple years BSMX reported negative operating cash flow during the last 5 years.

1.2 Ratios

With an excellent Return On Assets value of 2.53%, BSMX belongs to the best of the industry, outperforming 99.30% of the companies in the same industry.

With an excellent Return On Equity value of 28.08%, BSMX belongs to the best of the industry, outperforming 99.77% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	2.53%
ROE	28.08%
ROIC	N/A

ROA(3y)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

BSMX's Profit Margin of 25.43% is on the low side compared to the rest of the industry. BSMX is outperformed by 62.00% of its industry peers.

In the last couple of years the Profit Margin of BSMX has grown nicely.

BSMX does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	25.43%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y4.15%

PM growth 5Y2.57%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BSMX does not have a ROIC to compare to the WACC, probably because it is not profitable.

BSMX has about the same amout of shares outstanding than it did 1 year ago.

Compared to 1 year ago, BSMX has a worse debt to assets ratio.

2.2 Solvency

BSMX has a debt to FCF ratio of 14.73. This is a negative value and a sign of low solvency as BSMX would need 14.73 years to pay back of all of its debts.

BSMX's Debt to FCF ratio of 14.73 is in line compared to the rest of the industry. BSMX outperforms 55.94% of its industry peers.

BSMX has a Debt/Equity ratio of 0.80. This is a neutral value indicating BSMX is somewhat dependend on debt financing.

BSMX's Debt to Equity ratio of 0.80 is on the low side compared to the rest of the industry. BSMX is outperformed by 73.19% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.8
Debt/FCF	14.73
Altman-Z	N/A

ROIC/WACCN/A

WACC7.02%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BSMX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 46.84%, which is quite impressive.

BSMX shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.34% yearly.

The Revenue has grown by 92.10% in the past year. This is a very strong growth!

Measured over the past years, BSMX shows a small growth in Revenue. The Revenue has been growing by 5.74% on average per year.

EPS 1Y (TTM)46.84%

EPS 3Y7.58%

EPS 5Y8.34%

EPS Q2Q%20.34%

Revenue 1Y (TTM)92.1%

Revenue growth 3Y3.19%

Revenue growth 5Y5.74%

Sales Q2Q%324.02%

3.2 Future

Based on estimates for the next years, BSMX will show a small growth in Earnings Per Share. The EPS will grow by 5.83% on average per year.

The Revenue is expected to grow by 11.69% on average over the next years. This is quite good.

EPS Next Y6.69%

EPS Next 2Y4.49%

EPS Next 3Y5.83%

EPS Next 5YN/A

Revenue Next Year16.62%

Revenue Next 2Y11.48%

Revenue Next 3Y11.69%

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 4.92, the valuation of BSMX can be described as very cheap.

Compared to the rest of the industry, the Price/Earnings ratio of BSMX indicates a rather cheap valuation: BSMX is cheaper than 84.85% of the companies listed in the same industry.

BSMX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.24.

A Price/Forward Earnings ratio of 4.61 indicates a rather cheap valuation of BSMX.

Based on the Price/Forward Earnings ratio, BSMX is valued cheaply inside the industry as 90.44% of the companies are valued more expensively.

Compared to an average S&P500 Price/Forward Earnings ratio of 35.82, BSMX is valued rather cheaply.

		Industry Rank	Sector Rank
PE	4.92
Fwd PE	4.61

4.2 Price Multiples

87.18% of the companies in the same industry are more expensive than BSMX, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	4.03
EV/EBITDA	N/A

4.3 Compensation for Growth

BSMX's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.74

PEG (5Y)0.59

EPS Next 2Y4.49%

EPS Next 3Y5.83%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.13%, BSMX is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.41, BSMX pays a better dividend. On top of this BSMX pays more dividend than 81.59% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.36, BSMX pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.13%

5.2 History

The dividend of BSMX is nicely growing with an annual growth rate of 14.94%!

BSMX has been paying a dividend for over 5 years, so it has already some track record.

The dividend of BSMX decreased recently.

Dividend Growth(5Y)14.94%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

BSMX pays out 38.30% of its income as dividend. This is a sustainable payout ratio.

The dividend of BSMX is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP38.3%

EPS Next 2Y4.49%

EPS Next 3Y5.83%

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Find the best dividend stocks

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Banco Santander Mexico SA Institucion de Banca Multiple Grupo

NYSE:BSMX (5/4/2023, 8:04:01 PM)

After market: 5.35 -0.11 (-2.01%)

5.46

+0.13 (+2.44%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-26 2023-04-26/amc

Earnings (Next)07-26 2023-07-26/amc

Inst OwnersN/A

Inst Owner Change0%

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap7.41B

Analysts44.44

Price Target6.57 (20.33%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.13%

Yearly Dividend2.63

Dividend Growth(5Y)14.94%

DP38.3%

Div Incr Years1

Div Non Decr Years1

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)14.55%

Min EPS beat(2)0.14%

Max EPS beat(2)28.95%

EPS beat(4)3

Avg EPS beat(4)10.71%

Min EPS beat(4)-1.05%

Max EPS beat(4)28.95%

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)168.31%

Min Revenue beat(2)12.19%

Max Revenue beat(2)324.43%

Revenue beat(4)4

Avg Revenue beat(4)87.36%

Min Revenue beat(4)3.49%

Max Revenue beat(4)324.43%

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)-4.76%

PT rev (3m)-7.38%

EPS NQ rev (1m)0%

EPS NQ rev (3m)3.65%

EPS NY rev (1m)4.3%

EPS NY rev (3m)7.49%

Revenue NQ rev (1m)2.18%

Revenue NQ rev (3m)1.57%

Revenue NY rev (1m)3.22%

Revenue NY rev (3m)4.38%

Valuation

		Industry Rank	Sector Rank
PE	4.92
Fwd PE	4.61
P/S	0.71
P/FCF	4.03
P/OCF	3.3
P/B	0.79
P/tB	0.84
EV/EBITDA	N/A

EPS(TTM)1.11

EY20.33%

EPS(NY)1.18

Fwd EY21.68%

FCF(TTM)1.36

FCFY24.84%

OCF(TTM)1.66

OCFY30.33%

SpS7.67

BVpS6.95

TBVpS6.5

PEG (NY)0.74

PEG (5Y)0.59

Profitability

		Industry Rank	Sector Rank
ROA	2.53%
ROE	28.08%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.43%
GM	N/A
FCFM	N/A

ROA(3y)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

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 3Y4.15%

PM growth 5Y2.57%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.1

Health

		Industry Rank	Sector Rank
Debt/Equity	0.8
Debt/FCF	14.73
Debt/EBITDA	N/A
Cap/Depr	146.26%
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	69.49%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC7.02%

ROIC/WACCN/A

Cap/Depr(3y)136.5%

Cap/Depr(5y)157.79%

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)46.84%

EPS 3Y7.58%

EPS 5Y8.34%

EPS Q2Q%20.34%

EPS Next Y6.69%

EPS Next 2Y4.49%

EPS Next 3Y5.83%

EPS Next 5YN/A

Revenue 1Y (TTM)92.1%

Revenue growth 3Y3.19%

Revenue growth 5Y5.74%

Sales Q2Q%324.02%

Revenue Next Year16.62%

Revenue Next 2Y11.48%

Revenue Next 3Y11.69%

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 1Y375.33%

FCF growth 3Y-0.44%

FCF growth 5YN/A

OCF growth 1Y773.15%

OCF growth 3Y0.24%

OCF growth 5YN/A

Banco Santander Mexico SA Institucion de Banca Multiple Grupo (BSMX) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens