KBC ANCORA (KBCA.BR) Stock Fundamental Analysis
Europe - EBR:KBCA - BE0003867844 - Common Stock
67.6 EUR
-0.1 (-0.15%)
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.
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.
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 Rank | Sector 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
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 Rank | Sector 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%
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.31 | ||
| Altman-Z | 31.5 |
ROIC/WACCN/A
WACCN/A
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 Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 52.73 | ||
| Quick Ratio | 52.73 |
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.49 | ||
| Fwd PE | 14.31 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.32 | ||
| EV/EBITDA | N/A |
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%
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 Rank | Sector 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
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%
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)
Earnings (Next)
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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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%.