(BBAR) BBVA Banco Frances - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 3.405m USD | Total Return: 3.7% in 12m

Banking, Loans, Cards, Insurance, Investments
Total Rating 34
Safety 77
Buy Signal -0.25
Banks - Regional
Industry Rotation: +13.6
Market Cap: 3.41B
Avg Turnover: 9.95M USD
ATR: 5.80%
Peers RS (IBD): 28.7
Risk 5d forecast
Volatility64.1%
Rel. Tail Risk-11.0%
Reward TTM
Sharpe Ratio0.33
Alpha-34.14
Character TTM
Beta1.196
Beta Downside-0.199
Drawdowns 3y
Max DD66.16%
CAGR/Max DD0.95
EPS (Earnings per Share) EPS (Earnings per Share) of BBAR over the last years for every Quarter: "2021-03": 0.17, "2021-06": 0.38, "2021-09": 0.17, "2021-12": 0.2148, "2022-03": 0.23, "2022-06": 0.67, "2022-09": 0.2923, "2022-12": 0.4252, "2023-03": 0.3815, "2023-06": 0.4205, "2023-09": 0.1323, "2023-12": 0.54, "2024-03": 0.2, "2024-06": 0.6138, "2024-09": 0.49, "2024-12": 0.28, "2025-03": 0.34, "2025-06": 0.21, "2025-09": 0.1191, "2025-12": 0.1835, "2026-03": 0,
EPS CAGR: -56.25%
EPS Trend: -59.5%
Last SUE: -2.07
Qual. Beats: 0
Revenue Revenue of BBAR over the last years for every Quarter: 2021-03: 52609, 2021-06: 67482.391, 2021-09: 85680.678, 2021-12: 111986.081, 2022-03: 108335, 2022-06: 171187.962, 2022-09: 246495, 2022-12: 387876.483, 2023-03: 263050.471, 2023-06: 1060108.48, 2023-09: 1526319.707, 2023-12: 1016459, 2024-03: 1926677.985, 2024-06: 2165413, 2024-09: 1541220.101, 2024-12: 892206.968, 2025-03: 1070417, 2025-06: 1256931, 2025-09: 1603505, 2025-12: 1682234.712, 2026-03: null,
Rev. CAGR: 107.79%
Rev. Trend: 80.6%
Last SUE: 4.00
Qual. Beats: 2

Warnings

Volatile

Tailwinds

No distinct edge detected

Description: BBAR BBVA Banco Frances

BBVA Banco Frances SA ADR (BBAR) operates as a commercial bank in Argentina. The company offers a full range of banking services to individuals, small and medium-sized enterprises (SMEs), and corporations. This includes deposit accounts, various loan types, credit cards, and investment products.

The banking sector in Argentina, like many emerging markets, is influenced by local economic stability and regulatory frameworks. BBARs business model is diversified, covering retail, SME, and corporate banking segments. This broad approach is typical for established regional banks seeking to capture market share across different customer demographics.

BBAR also provides insurance products, expanding beyond traditional banking services. This cross-selling strategy is common among financial institutions to increase revenue streams and customer loyalty. For deeper insights into BBARs performance metrics and competitive landscape, consider exploring ValueRay.

Headlines to Watch Out For
  • Argentine inflation impacts loan growth and asset quality
  • Interest rate policy affects net interest margin
  • Regulatory changes in banking sector create uncertainty
  • Economic stability in Argentina drives consumer and corporate lending
  • Foreign exchange fluctuations influence earnings translation
Piotroski VR‑10 (Strict) 2.5
Net Income: 223.24b TTM > 0 and > 6% of Revenue
FCF/TA: -0.06 > 0.02 and ΔFCF/TA -7.29 > 1.0
NWC/Revenue: 54.12% < 20% (prev -80.46%; Δ 134.6% < -1%)
CFO/TA -0.05 > 3% & CFO -1349.51b > Net Income 223.24b
Net Debt (-1545.83b) to EBITDA (515.02b): -3.00 < 3
Current Ratio: 7.49 > 1.5 & < 3
Outstanding Shares: last quarter (204.0m) vs 12m ago -0.13% < -2%
Gross Margin: 44.62% > 18% (prev 0.60%; Δ 4.40k% > 0.5%)
Asset Turnover: 29.58% > 50% (prev 51.99%; Δ -22.41% > 0%)
Interest Coverage Ratio: 0.14 > 6 (EBITDA TTM 515.02b / Interest Expense TTM 2998.48b)
Altman Z'' 1.33
A: 0.12 (Total Current Assets 3505.82b - Total Current Liabilities 468.05b) / Total Assets 25399.20b
B: 0.09 (Retained Earnings 2263.24b / Total Assets 25399.20b)
C: 0.02 (EBIT TTM 407.85b / Avg Total Assets 18975.87b)
D: 0.10 (Book Value of Equity 2243.06b / Total Liabilities 21856.71b)
Altman-Z'' Score: 1.33 = BB
Beneish M -3.45
DSRI: 0.00 (Receivables 628.6m/197.52b, Revenue 5613.09b/6525.52b)
GMI: 1.35 (GM 44.62% / 60.04%)
AQI: 1.19 (AQ_t 0.83 / AQ_t-1 0.69)
SGI: 0.86 (Revenue 5613.09b / 6525.52b)
TATA: 0.06 (NI 223.24b - CFO -1349.51b) / TA 25399.20b)
Beneish M-Score: -3.45 (Cap -4..+1) = AA
What is the price of BBAR shares? As of April 12, 2026, the stock is trading at USD 16.33 with a total of 442,437 shares traded.
Over the past week, the price has changed by +2.70%, over one month by +13.17%, over three months by -13.04% and over the past year by +3.72%.
Is BBAR a buy, sell or hold? BBVA Banco Frances has received a consensus analysts rating of 3.75. Therefor, it is recommend to hold BBAR.
  • StrongBuy: 1
  • Buy: 1
  • Hold: 2
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the BBAR price?
Analysts Target Price 23.5 43.9%
BBVA Banco Frances (BBAR) - Fundamental Data Overview as of 12 April 2026
Market Cap ARS = 4706.28b (3.41b USD * 1382.0 USD.ARS)
P/E Trailing = 17.9888
P/E Forward = 3.2185
P/S = 0.0011
P/B = 1.3168
P/EG = 4.374
Revenue TTM = 5613.09b ARS
EBIT TTM = 407.85b ARS
EBITDA TTM = 515.02b ARS
Long Term Debt = 1908.49b ARS (from longTermDebt, last quarter)
Short Term Debt = 3.38b ARS (from shortTermDebt, last quarter)
Debt = 1959.99b ARS (from shortLongTermDebtTotal, last quarter)
Net Debt = -1545.83b ARS (recalculated: Debt 1959.99b - CCE 3505.82b)
Enterprise Value = 3160.45b ARS (4706.28b + Debt 1959.99b - CCE 3505.82b)
Interest Coverage Ratio = 0.14 (Ebit TTM 407.85b / Interest Expense TTM 2998.48b)
EV/FCF = -2.00x (Enterprise Value 3160.45b / FCF TTM -1579.95b)
FCF Yield = -49.99% (FCF TTM -1579.95b / Enterprise Value 3160.45b)
FCF Margin = -28.15% (FCF TTM -1579.95b / Revenue TTM 5613.09b)
Net Margin = 3.98% (Net Income TTM 223.24b / Revenue TTM 5613.09b)
Gross Margin = 44.62% ((Revenue TTM 5613.09b - Cost of Revenue TTM 3108.48b) / Revenue TTM)
Gross Margin QoQ = 34.58% (prev 41.61%)
Tobins Q-Ratio = 0.12 (Enterprise Value 3160.45b / Total Assets 25399.20b)
 Interest Expense / Debt = 73.19% (Interest Expense 1434.55b / Debt 1959.99b)
 Taxrate = 42.42% (41.92b / 98.82b)
NOPAT = 234.84b (EBIT 407.85b * (1 - 42.42%))
Current Ratio = 7.49 (Total Current Assets 3505.82b / Total Current Liabilities 468.05b)
Debt / Equity = 0.57 (Debt 1959.99b / totalStockholderEquity, last quarter 3431.45b)
Debt / EBITDA = -3.00 (Net Debt -1545.83b / EBITDA 515.02b)
 Debt / FCF = 0.98 (negative FCF - burning cash) (Net Debt -1545.83b / FCF TTM -1579.95b)
 Total Stockholder Equity = 2999.81b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.18% (Net Income 223.24b / Total Assets 25399.20b)
RoE = 7.44% (Net Income TTM 223.24b / Total Stockholder Equity 2999.81b)
RoCE = 8.31% (EBIT 407.85b / Capital Employed (Equity 2999.81b + L.T.Debt 1908.49b))
RoIC = 6.26% (NOPAT 234.84b / Invested Capital 3751.51b)
WACC = 7.19% (E(4706.28b)/V(6666.27b) * Re(10.19%) + (debt cost/tax rate unavailable))
Discount Rate = 10.19% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.06%
 [DCF] Fair Price = unknown (Cash Flow -1579.95b)
 EPS Correlation: -59.51 | EPS CAGR: -56.25% | SUE: -2.07 | # QB: 0
Revenue Correlation: 80.58 | Revenue CAGR: 107.8% | SUE: 4.0 | # QB: 2
EPS current Year (2026-12-31): EPS=0.69 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=+0 | Growth EPS=-12.0% | Growth Revenue=+29.0%
EPS next Year (2027-12-31): EPS=1.13 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=+0 | Growth EPS=+64.7% | Growth Revenue=+27.3%
External Resources
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