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KBC ANCORA (KBCA.BR) Stock Fundamental Analysis

Europe - EBR:KBCA - BE0003867844 - Common Stock

67.6 EUR
-0.1 (-0.15%)
Last: 11/5/2025, 5:35:30 PM
Fundamental Rating

7

We assign a fundamental rating of 7 out of 10 to KBCA. KBCA was compared to 95 industry peers in the Banks industry. Both the health and profitability get an excellent rating, making KBCA a very profitable company, without any liquidiy or solvency issues. KBCA has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

In the past year KBCA was profitable.
KBCA had a positive operating cash flow in the past year.
Each year in the past 5 years KBCA has been profitable.
Each year in the past 5 years KBCA had a positive operating cash flow.
KBCA.BR Yearly Net Income VS EBIT VS OCF VS FCFKBCA.BR 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 2024 2025 0 200M 400M 600M 800M

1.2 Ratios

KBCA has a Return On Assets of 8.71%. This is amongst the best in the industry. KBCA outperforms 100.00% of its industry peers.
KBCA has a Return On Equity (8.95%) which is comparable to the rest of the industry.
KBCA's Return On Invested Capital of 6.53% is amongst the best of the industry. KBCA outperforms 100.00% of its industry peers.
Industry RankSector Rank
ROA 8.71%
ROE 8.95%
ROIC 6.53%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
KBCA.BR Yearly ROA, ROE, ROICKBCA.BR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2024 2025 0 10 20 30

1.3 Margins

Looking at the Profit Margin, with a value of 97.83%, KBCA belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
KBCA's Profit Margin has improved in the last couple of years.
KBCA has a Operating Margin of 97.83%. This is amongst the best in the industry. KBCA outperforms 100.00% of its industry peers.
KBCA's Operating Margin has improved in the last couple of years.
KBCA has a Gross Margin of 98.66%. This is amongst the best in the industry. KBCA outperforms 100.00% of its industry peers.
KBCA's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 97.83%
PM (TTM) 97.83%
GM 98.66%
OM growth 3Y-0.16%
OM growth 5Y4.45%
PM growth 3Y-0.14%
PM growth 5Y4.45%
GM growth 3Y0.11%
GM growth 5Y3.94%
KBCA.BR Yearly Profit, Operating, Gross MarginsKBCA.BR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2024 2025 0 -5K -10K -15K -20K

9

2. Health

2.1 Basic Checks

Compared to 1 year ago, KBCA has about the same amount of shares outstanding.
KBCA has less shares outstanding than it did 5 years ago.
The debt/assets ratio for KBCA has been reduced compared to a year ago.
KBCA.BR Yearly Shares OutstandingKBCA.BR Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2024 2025 20M 40M 60M
KBCA.BR Yearly Total Debt VS Total AssetsKBCA.BR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2024 2025 1B 2B 3B

2.2 Solvency

KBCA has an Altman-Z score of 31.50. This indicates that KBCA is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 31.50, KBCA belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
The Debt to FCF ratio of KBCA is 0.31, which is an excellent value as it means it would take KBCA, only 0.31 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of KBCA (0.31) is better than 98.95% of its industry peers.
KBCA has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.03, KBCA belongs to the top of the industry, outperforming 93.68% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.31
Altman-Z 31.5
ROIC/WACCN/A
WACCN/A
KBCA.BR Yearly LT Debt VS Equity VS FCFKBCA.BR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2024 2025 0 1B 2B 3B

2.3 Liquidity

KBCA has a Current Ratio of 52.73. This indicates that KBCA is financially healthy and has no problem in meeting its short term obligations.
KBCA's Current ratio of 52.73 is amongst the best of the industry. KBCA outperforms 100.00% of its industry peers.
KBCA has a Quick Ratio of 52.73. This indicates that KBCA is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 52.73, KBCA belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 52.73
Quick Ratio 52.73
KBCA.BR Yearly Current Assets VS Current LiabilitesKBCA.BR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2024 2025 50M 100M 150M

4

3. Growth

3.1 Past

KBCA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -14.41%.
The Earnings Per Share has been growing by 39.36% on average over the past years. This is a very strong growth
Looking at the last year, KBCA shows a very negative growth in Revenue. The Revenue has decreased by -14.55% in the last year.
KBCA shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 33.02% yearly.
EPS 1Y (TTM)-14.41%
EPS 3Y-26.39%
EPS 5Y39.36%
EPS Q2Q%-18.23%
Revenue 1Y (TTM)-14.55%
Revenue growth 3Y-26.75%
Revenue growth 5Y33.02%
Sales Q2Q%-18.33%

3.2 Future

The Earnings Per Share is expected to grow by 3.65% on average over the next years.
The Revenue is expected to grow by 3.03% on average over the next years.
EPS Next Y-2.53%
EPS Next 2Y2.5%
EPS Next 3Y3.65%
EPS Next 5YN/A
Revenue Next Year-2.41%
Revenue Next 2Y1.86%
Revenue Next 3Y3.03%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
KBCA.BR Yearly Revenue VS EstimatesKBCA.BR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M 800M
KBCA.BR Yearly EPS VS EstimatesKBCA.BR Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2019 2020 2021 2023 2024 2025 2026 2027 2028 0 1 2 3 4 5

4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 16.49, which indicates a correct valuation of KBCA.
90.53% of the companies in the same industry are cheaper than KBCA, based on the Price/Earnings ratio.
KBCA is valuated rather cheaply when we compare the Price/Earnings ratio to 26.13, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 14.31, which indicates a correct valuation of KBCA.
Compared to the rest of the industry, the Price/Forward Earnings ratio of KBCA indicates a slightly more expensive valuation: KBCA is more expensive than 77.89% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of KBCA to the average of the S&P500 Index (22.35), we can say KBCA is valued slightly cheaper.
Industry RankSector Rank
PE 16.49
Fwd PE 14.31
KBCA.BR Price Earnings VS Forward Price EarningsKBCA.BR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, KBCA is valued a bit cheaper than the industry average as 71.58% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 16.32
EV/EBITDA N/A
KBCA.BR Per share dataKBCA.BR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

KBCA has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.42
EPS Next 2Y2.5%
EPS Next 3Y3.65%

3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.62%, KBCA has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.84, KBCA is paying slightly less dividend.
KBCA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 3.62%

5.2 History

On average, the dividend of KBCA grows each year by 6.08%, which is quite nice.
Dividend Growth(5Y)6.08%
Div Incr Years1
Div Non Decr Years1
KBCA.BR Yearly Dividends per shareKBCA.BR Yearly Dividends per shareYearly Dividends per share 2018 2019 2021 2022 2023 2024 2025 2 4 6

5.3 Sustainability

85.44% of the earnings are spent on dividend by KBCA. This is not a sustainable payout ratio.
The dividend of KBCA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP85.44%
EPS Next 2Y2.5%
EPS Next 3Y3.65%
KBCA.BR Yearly Income VS Free CF VS DividendKBCA.BR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2024 2025 0 200M 400M 600M 800M
KBCA.BR Dividend Payout.KBCA.BR Dividend Payout, showing the Payout Ratio.KBCA.BR Dividend Payout.PayoutRetained Earnings

KBC ANCORA

EBR:KBCA (11/5/2025, 5:35:30 PM)

67.6

-0.1 (-0.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)08-29 2025-08-29
Earnings (Next)N/A N/A
Inst Owners10.06%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap5.21B
Revenue(TTM)323.00M
Net Income(TTM)316.00M
Analysts82.86
Price Target61.2 (-9.47%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.62%
Yearly Dividend3.51
Dividend Growth(5Y)6.08%
DP85.44%
Div Incr Years1
Div Non Decr Years1
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)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 16.49
Fwd PE 14.31
P/S 16.12
P/FCF 16.32
P/OCF 16.32
P/B 1.48
P/tB 1.48
EV/EBITDA N/A
EPS(TTM)4.1
EY6.07%
EPS(NY)4.72
Fwd EY6.99%
FCF(TTM)4.14
FCFY6.13%
OCF(TTM)4.14
OCFY6.13%
SpS4.19
BVpS45.81
TBVpS45.81
PEG (NY)N/A
PEG (5Y)0.42
Graham Number65.01
Profitability
Industry RankSector Rank
ROA 8.71%
ROE 8.95%
ROCE 8.71%
ROIC 6.53%
ROICexc 6.53%
ROICexgc 6.53%
OM 97.83%
PM (TTM) 97.83%
GM 98.66%
FCFM 98.76%
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
ROICexgc growth 3Y-27.06%
ROICexgc growth 5Y34.51%
ROICexc growth 3Y-27.06%
ROICexc growth 5Y34.51%
OM growth 3Y-0.16%
OM growth 5Y4.45%
PM growth 3Y-0.14%
PM growth 5Y4.45%
GM growth 3Y0.11%
GM growth 5Y3.94%
F-Score6
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.31
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 77.07
Cash Conversion N/A
Profit Quality 100.95%
Current Ratio 52.73
Quick Ratio 52.73
Altman-Z 31.5
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
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)-14.41%
EPS 3Y-26.39%
EPS 5Y39.36%
EPS Q2Q%-18.23%
EPS Next Y-2.53%
EPS Next 2Y2.5%
EPS Next 3Y3.65%
EPS Next 5YN/A
Revenue 1Y (TTM)-14.55%
Revenue growth 3Y-26.75%
Revenue growth 5Y33.02%
Sales Q2Q%-18.33%
Revenue Next Year-2.41%
Revenue Next 2Y1.86%
Revenue Next 3Y3.03%
Revenue Next 5YN/A
EBIT growth 1Y-14.13%
EBIT growth 3Y-26.86%
EBIT growth 5Y38.93%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-15.83%
FCF growth 3Y-26.92%
FCF growth 5Y39.26%
OCF growth 1Y-15.83%
OCF growth 3Y-26.92%
OCF growth 5Y39.26%

KBC ANCORA / KBCA.BR FAQ

Can you provide the ChartMill fundamental rating for KBC ANCORA?

ChartMill assigns a fundamental rating of 7 / 10 to KBCA.BR.


What is the valuation status for KBCA stock?

ChartMill assigns a valuation rating of 4 / 10 to KBC ANCORA (KBCA.BR). This can be considered as Fairly Valued.


Can you provide the profitability details for KBC ANCORA?

KBC ANCORA (KBCA.BR) has a profitability rating of 8 / 10.


How financially healthy is KBC ANCORA?

The financial health rating of KBC ANCORA (KBCA.BR) is 9 / 10.


Is the dividend of KBC ANCORA sustainable?

The dividend rating of KBC ANCORA (KBCA.BR) is 3 / 10 and the dividend payout ratio is 85.44%.