BBAR Stock Analysis: BBVA Banco Frances | NYSE
Banks - Regional | NYSE, USA | Market Cap: 2.528m USD | 12M Return: 62.6% | US0589341009 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.34M
EPS Trend: -46.1%
Qual. Beats: 0
Rev. Trend: 34.6%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Banco BBVA Argentina S.A. (NYSE: BBAR) is an Argentine bank offering a comprehensive suite of financial products and services across three primary segments: retail banking, small and medium-sized enterprise (SME) banking, and corporate and investment banking. Founded in 1886 and headquartered in Buenos Aires, the company provides individuals with checking and savings accounts, credit cards, consumer loans, mortgages, and insurance, while serving private-sector companies and SMEs with financing, factoring, transactional, payroll, and treasury services. For larger corporations and multinational clients, it offers global transaction services, capital markets advisory, project finance, syndicated loans, and merger and acquisition advisory. The bank also provides foreign trade and asset management services and was renamed from BBVA Banco Francés S.A. in November 2019.
As a subsidiary of the Spanish banking group BBVA, the company operates within Argentinas regulated financial system, where banks typically earn revenue from net interest margins on lending activities, fee-based services, and trading operations. Listed on the NYSE as an American Depositary Receipt since 1993, BBAR is classified under the Regional Banks sub-industry within the Financials sector, reflecting its geographic concentration in the Argentine market.
- Net interest margin expands on elevated Argentine policy rates
- Peso devaluation lifts dollar-linked asset values and fee income
- Capital controls and BCRA regulation limit dollar deposit growth
- SME and corporate lending tracks Argentinas economic recovery
| Net Income: 381b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.12 > 0.02 and ΔFCF/TA 27.19 > 1.0 |
| NWC/Revenue: -229.3% < 20% (prev -244.4%; Δ 15.13% < -1%) |
| CFO/TA 0.12 > 3% & CFO 3530b > Net Income 381b |
| Net Debt (24.8b) to EBITDA (712b): 0.03 < 3 |
| Current Ratio: 0.15 > 1.5 & < 3 |
| Outstanding Shares: last quarter (204.3m) vs 12m ago 0.01% < -2% |
| Gross Margin: 52.14% > 18% (prev 51.33%; Δ 0.81% > 0.5%) |
| Asset Turnover: 26.15% > 50% (prev 21.76%; Δ 4.40% > 0%) |
| Interest Coverage Ratio: 0.21 > 6 (EBIT TTM 601b / Interest Expense TTM 2885b) |
| A: -0.53 (Total Current Assets 2629b - Total Current Liabilities 17781b) / Total Assets 28368b |
| B: 0.01 (Retained Earnings 210b / Total Assets 28368b) |
| C: 0.02 (EBIT TTM 601b / Avg Total Assets 25267b) |
| D: 0.17 (Book Value of Equity 4188b / Total Liabilities 24006b) |
| Altman-Z'' = -3.14 = D |
| DSRI: 0.10 (Receivables 743.9m/37.0b, Revenue 6608b/4823b) |
| GMI: 0.98 (GM 51.33% / 52.14%) |
| AQI: 1.10 (AQ_t 0.87 / AQ_t-1 0.79) |
| SGI: 1.37 (Revenue 6608b / 4823b) |
| TATA: -0.11 (NI 381b - CFO 3530b) / TA 28368b) |
| Beneish M = -3.47 (Cap -4..+1) = AA |
As of October 06, 2026, the stock is trading at USD 13.27 with a total of 946,253 shares traded. Over the past week, the price has changed by +5.74%, over one month by -11.06%, over three months by -35.82% and over the past year by +62.62%.
Current recommended Stop Loss: 12.50 (which is 5.8% or 1.3 ATR below the current price).
BBVA Banco Frances has received a consensus analysts rating of 4.50. Therefore, it is recommended to buy BBAR.
- StrongBuy: 2
- Buy: 2
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 24.5 | 84.6% |
Market Cap ARS = 3844b (2.53b USD * 1520.25 USD.ARS)
P/E Trailing = 11.3578
P/E Forward = 3.2185
P/S = 0.0008
P/B = 1.0701
P/EG = 4.374
Revenue TTM = 6608b ARS
EBIT TTM = 601b ARS
EBITDA TTM = 712b ARS
Long Term Debt = 1908b ARS (from longTermDebt, last fiscal year)
Short Term Debt = 693b ARS (from shortTermDebt, last quarter)
Debt = 2654b ARS (corrected: LT Debt 1908b + ST Debt 693b) + Leases 52.1b
Net Debt = 24.8b ARS (calculated: Debt 2654b - CCE 2629b)
Enterprise Value = 3869b ARS (3844b + Debt 2654b - CCE 2629b)
Interest Coverage Ratio = 0.21 (Ebit TTM 601b / Interest Expense TTM 2885b)
EV/FCF = 1.18x (Enterprise Value 3869b / FCF TTM 3287b)
FCF Yield = 84.96% (FCF TTM 3287b / Enterprise Value 3869b)
FCF Margin = 49.74% (FCF TTM 3287b / Revenue TTM 6608b)
Net Margin = 5.77% (Net Income TTM 381b / Revenue TTM 6608b)
Gross Margin = 52.14% ((Revenue TTM 6608b - Cost of Revenue TTM 3163b) / Revenue TTM)
Gross Margin QoQ = 47.00% (prev 50.76%)
Tobins Q-Ratio = 0.14 (Enterprise Value 3869b / Total Assets 28368b)
Interest Expense / Debt = 108.7% (Interest Expense 2885b / Debt 2654b)
Taxrate = 25.34% (152b / 601b)
NOPAT = 449b (EBIT 601b * (1 - 25.34%))
Current Ratio = 0.15 (Total Current Assets 2629b / Total Current Liabilities 17781b)
Debt / Equity = 0.63 (Debt 2654b / totalStockholderEquity, last quarter 4188b)
Debt / EBITDA = 0.03 (Net Debt 24.8b / EBITDA 712b)
Debt / FCF = 0.01 (Net Debt 24.8b / FCF TTM 3287b)
Total Stockholder Equity = 3609b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.51% (Net Income 381b / Total Assets 28368b)
RoE = 10.56% (Net Income TTM 381b / Total Stockholder Equity 3609b)
RoCE = 10.90% (EBIT 601b / Capital Employed (Equity 3609b + L.T.Debt 1908b))
RoIC = 1.60% (NOPAT 449b / Invested Capital 28038b)
WACC = 5.47% (E(3844b)/V(6498b) * Re(9.25%) + (debt cost/tax rate unavailable))
Discount Rate = 9.25% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -12.49 | Cagr: 0.00%
[DCF] Terminal Value 75.44% ; FCFF base≈3287b ; Y1≈3300b ; Y5≈3496b
[DCF] Fair Price = 266k (EV 54377b - Net Debt 24.8b = Equity 54352b / Shares 204.2m; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
[DCF] Fair Price = 266k (out of range, set to none)
EPS Correlation: -46.13 | EPS CAGR: -11.67% | SUE: 0.19 | # QB: 0
Revenue Correlation: 34.61 | Revenue CAGR: 6.78% | SUE: 0.57 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.47 | Chg30d=N/A | Revisions=+0% | Analysts=1
EPS current Year (2026-12-31): EPS=0.48 | Chg30d=+21.74% | Revisions=-25% | GrowthEPS=-38.8% | GrowthRev=+55.3%
EPS next Year (2027-12-31): EPS=0.73 | Chg30d=-32.88% | Revisions=-25% | GrowthEPS=+54.4% | GrowthRev=+17.8%