Fundamental Analysis of Banco Santander Mexico SA Institucion de Banca Multiple Grupo(NYSE:BSMX) stock

Fundamental Rating

Overall BSMX gets a fundamental rating of 4 out of 10. We evaluated BSMX against 412 industry peers in the Banks industry. There are concerns on the financial health of BSMX while its profitability can be described as average. 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

In the past year BSMX was profitable.

BSMX had a positive operating cash flow in the past year.

Each year in the past 5 years BSMX has been profitable.

The reported operating cash flow has been mixed in the past 5 years: BSMX reported negative operating cash flow in multiple years.

1.2 Ratios

The Return On Assets of BSMX (2.53%) is better than 99.30% of its industry peers.

BSMX has a better Return On Equity (28.08%) than 99.77% of its industry peers.

		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.

BSMX's Profit Margin has improved in the last couple of years.

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.

BSMX has about the same amout of shares outstanding than it did 5 years ago.

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

2.2 Solvency

The Debt to FCF ratio of BSMX is 14.73, which is on the high side as it means it would take BSMX, 14.73 years of fcf income to pay off all of its debts.

BSMX has a Debt to FCF ratio (14.73) which is comparable to the rest of the industry.

A Debt/Equity ratio of 0.80 indicates that BSMX is somewhat dependend on debt financing.

The Debt to Equity ratio of BSMX (0.80) is worse than 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

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 46.84% over the past year.

The Earnings Per Share has been growing by 8.34% on average over the past years. This is quite good.

Looking at the last year, BSMX shows a very strong growth in Revenue. The Revenue has grown by 92.10%.

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 growth Q2Q20.34%

Revenue 1Y (TTM)92.1%

Revenue growth 3Y3.19%

Revenue growth 5Y5.74%

Revenue growth Q2Q324.02%

3.2 Future

BSMX is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.83% yearly.

BSMX is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.69% yearly.

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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

BSMX is valuated cheaply with a Price/Earnings ratio of 4.92.

84.85% of the companies in the same industry are more expensive than BSMX, based on the Price/Earnings ratio.

Compared to an average S&P500 Price/Earnings ratio of 28.15, BSMX is valued rather cheaply.

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

90.44% of the companies in the same industry are more expensive than BSMX, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 20.20, BSMX is valued rather cheaply.

		Industry Rank	Sector Rank
PE	4.92
Fwd PE	4.61

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BSMX is valued cheaply inside the industry as 87.18% of the companies are valued more expensively.

		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

BSMX has a Yearly Dividend Yield of 6.13%, which is a nice return.

BSMX's Dividend Yield is rather good when compared to the industry average which is at 3.67. BSMX pays more dividend than 81.59% of the companies in the same industry.

BSMX's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.

		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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Banco Santander Mexico SA Institucion de Banca Multiple Grupo

NYSE:BSMX (5/4/2023, 7:04:01 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)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap7.41B

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.13%

Dividend Growth(5Y)

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

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EPS beat(8)

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Avg EPS beat(12)

EPS beat(16)

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Revenue beat(2)

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Revenue beat(4)

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Revenue beat(8)

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Revenue beat(16)

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PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

		Industry Rank	Sector Rank
PE	4.92
Fwd PE	4.61
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)0.74

PEG (5Y)0.59

Profitability

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

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.1

Health

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

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

Growth

EPS 1Y (TTM)46.84%

EPS 3Y7.58%

EPS 5Y

EPS growth Q2Q

EPS Next Y6.69%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)92.1%

Revenue growth 3Y3.19%

Revenue growth 5Y

Revenue growth Q2Q

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y

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

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