Overview Dividends

(BBAR) BBVA Banco Frances - Ratings and Ratios

Exchange: NYSE • Country: Argentina • Currency: USD • Type: Common Stock • ISIN: US0589341009

Accounts, Loans, Cards, Insurance, Investments

Regional Banks
Market Cap in USD: 3,888m
IPO / Inception: 1993-11-24
Return 12m vs S&P 500: -12.4%

Dividends

Dividend Yield 0.73%
Yield on Cost 5y 4.76%
Yield CAGR 5y 175.70%
Payout Consistency 50.0%
Payout Ratio 12.6%
Risk via 10d forecast
Volatility 66.3%
Value at Risk 5%th 96.6%
Relative Tail Risk -11.48%
Reward TTM
Sharpe Ratio 0.38
Alpha -22.76
CAGR/Max DD 1.48
Character TTM
Hurst Exponent 0.565
Beta 1.474
Beta Downside 1.431
Drawdowns 3y
Max DD 66.16%
Mean DD 15.98%
Median DD 12.44%

Description: BBAR BBVA Banco Frances November 08, 2025

Banco BBVA Argentina S.A. (NYSE: BBAR) is a full-service Argentine bank that serves retail, SME, and corporate clients with a broad suite of products-including deposits, credit cards, consumer loans, mortgages, factoring, project finance, and insurance-under the BBVA brand after rebranding from BBVA Banco Francés in July 2019.

Key recent metrics (2023-24 filings) show a net profit of roughly US$ 260 million, a loan-to-deposit ratio near 92 %, and a CET1 capital ratio of 13.5 %, indicating solid capitalization despite Argentina’s high-inflation environment (≈ 150 % YoY). The bank’s net interest margin (NIM) has held around 4.1 % as it manages the spread between steep local rates and a depreciating peso.

Sector drivers that dominate BBAR’s outlook include persistent inflationary pressure, which fuels demand for short-term credit but also raises credit-risk provisioning, and ongoing currency volatility that impacts the bank’s foreign-exchange exposure and the real value of its loan portfolio. Additionally, regulatory tightening on loan-loss reserves in Argentina can compress earnings if default rates rise.

For a deeper quantitative dive, the ValueRay platform offers granular financial metrics and scenario analyses for BBAR.

Piotroski VR‑10 (Strict, 0-10) 2.0

Net Income (268.55b TTM) > 0 and > 6% of Revenue (6% = 289.38b TTM)
FCFTA -0.16 (>2.0%) and ΔFCFTA -34.28pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue -244.4% (prev -64.91%; Δ -179.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA -0.16 (>3.0%) and CFO -3608.43b <= Net Income 268.55b (YES >=105%, WARN >=100%)
Net Debt (-3123.59b) to EBITDA (497.27b) ratio: -6.28 <= 3.0 (WARN <= 3.5)
Current Ratio 0.25 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (204.2m) change vs 12m ago 0.01% (target <= -2.0% for YES)
Gross Margin 51.33% (prev 65.89%; Δ -14.56pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 30.42% (prev 69.69%; Δ -39.27pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 0.22 (EBITDA TTM 497.27b / Interest Expense TTM 1864.84b) >= 6 (WARN >= 3)

Altman Z'' -3.19

(A) -0.53 = (Total Current Assets 3868.77b - Total Current Liabilities 15657.33b) / Total Assets 22166.55b
(B) 0.01 = Retained Earnings (Balance) 181.86b / Total Assets 22166.55b
(C) 0.03 = EBIT TTM 406.94b / Avg Total Assets 15853.94b
(D) 0.09 = Book Value of Equity 1811.04b / Total Liabilities 19183.88b
Total Rating: -3.19 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 60.24

1. Piotroski 2.0pt
2. FCF Yield data missing
3. FCF Margin -75.64%
4. Debt/Equity 0.24
5. Debt/Ebitda -6.28
6. ROIC - WACC (= 7.73)%
7. RoE 9.84%
8. Rev. Trend 84.39%
9. EPS Trend -20.67%

What is the price of BBAR shares?

As of December 07, 2025, the stock is trading at USD 16.58 with a total of 647,491 shares traded.
Over the past week, the price has changed by +3.24%, over one month by -2.88%, over three months by +35.76% and over the past year by +0.20%.

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.
  • Strong Buy: 1
  • Buy: 1
  • Hold: 2
  • Sell: 0
  • Strong Sell: 0

What are the forecasts/targets for the BBAR price?

Issuer Target Up/Down from current
Wallstreet Target Price 20.9 25.9%
Analysts Target Price 20.9 25.9%
ValueRay Target Price 28.7 73%

BBAR Fundamental Data Overview December 05, 2025

Market Cap ARS = 5571.57b (3.89b USD * 1433.0 USD.ARS)
P/E Trailing = 48.2286
P/E Forward = 3.2185
P/S = 0.0018
P/B = 1.6202
Beta = 0.165
Revenue TTM = 4823.06b ARS
EBIT TTM = 406.94b ARS
EBITDA TTM = 497.27b ARS
Long Term Debt = 407.59b ARS (from longTermDebt, last quarter)
Short Term Debt = 300.56b ARS (from shortTermDebt, last quarter)
Debt = 708.15b ARS (from shortLongTermDebtTotal, last quarter)
Net Debt = -3123.59b ARS (from netDebt column, last quarter)
Enterprise Value = 2447.97b ARS (5571.57b + Debt 708.15b - CCE 3831.75b)
Interest Coverage Ratio = 0.22 (Ebit TTM 406.94b / Interest Expense TTM 1864.84b)
FCF Yield = -149.0% (FCF TTM -3647.99b / Enterprise Value 2447.97b)
FCF Margin = -75.64% (FCF TTM -3647.99b / Revenue TTM 4823.06b)
Net Margin = 5.57% (Net Income TTM 268.55b / Revenue TTM 4823.06b)
Gross Margin = 51.33% ((Revenue TTM 4823.06b - Cost of Revenue TTM 2347.17b) / Revenue TTM)
Gross Margin QoQ = 41.61% (prev 52.18%)
Tobins Q-Ratio = 0.11 (Enterprise Value 2447.97b / Total Assets 22166.55b)
Interest Expense / Debt = 102.6% (Interest Expense 726.40b / Debt 708.15b)
Taxrate = -37.95% (negative due to tax credits) (-23.28b / 61.35b)
NOPAT = 561.36b (EBIT 406.94b * (1 - -37.95%)) [negative tax rate / tax credits]
Current Ratio = 0.25 (Total Current Assets 3868.77b / Total Current Liabilities 15657.33b)
Debt / Equity = 0.24 (Debt 708.15b / totalStockholderEquity, last quarter 2920.30b)
Debt / EBITDA = -6.28 (Net Debt -3123.59b / EBITDA 497.27b)
Debt / FCF = 0.86 (negative FCF - burning cash) (Net Debt -3123.59b / FCF TTM -3647.99b)
Total Stockholder Equity = 2730.45b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.21% (Net Income 268.55b / Total Assets 22166.55b)
RoE = 9.84% (Net Income TTM 268.55b / Total Stockholder Equity 2730.45b)
RoCE = 12.97% (EBIT 406.94b / Capital Employed (Equity 2730.45b + L.T.Debt 407.59b))
RoIC = 17.88% (NOPAT 561.36b / Invested Capital 3138.78b)
WACC = 10.16% (E(5571.57b)/V(6279.72b) * Re(11.45%) + (debt cost/tax rate unavailable))
Discount Rate = 11.45% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 81.65 | Cagr: 0.00%
Fair Price DCF = unknown (Cash Flow -3647.99b)
EPS Correlation: -20.67 | EPS CAGR: -14.55% | SUE: -0.31 | # QB: 0
Revenue Correlation: 84.39 | Revenue CAGR: 103.3% | SUE: 1.08 | # QB: 1
EPS next Year (2026-12-31): EPS=1.25 | Chg30d=+0.000 | Revisions Net=-1 | Growth EPS=+63.0% | Growth Revenue=+19.4%

Additional Sources for BBAR Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle