(BBAR) BBVA Banco Frances - Overview

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

Stock: Banking, Loans, Cards, Insurance, Investments

Total Rating 31
Risk 69
Buy Signal -1.00
Banks - Regional -5.9
Regional Banks -5.7
Market Cap: 4,602m
Avg Trading Vol: 9.42M USD
ATR: 7.14%
Peers RS (IBD): 2.1
Risk 5d forecast
Volatility 72.3%
Relative Tail Risk -11.4%
Reward TTM
Sharpe Ratio -0.04
Alpha -46.76
Character TTM
Beta 1.289
Beta Downside -0.431
Drawdowns 3y
Max DD 66.16%
CAGR/Max DD 0.98

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,
EPS CAGR: -5.85%
EPS Trend: -38.8%
Last SUE: -0.46
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,
Rev. CAGR: 107.79%
Rev. Trend: 80.6%
Last SUE: 4.00
Qual. Beats: 2

Risks

Technicals: choppy

Description: BBAR BBVA Banco Frances March 05, 2026

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, 0-10) 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 (-3037.77b) to EBITDA (590.91b): -5.14 < 3
Current Ratio: 7.49 > 1.5 & < 3
Outstanding Shares: last quarter (204.0m) vs 12m ago -0.13% < -2%
Gross Margin: 29.87% > 18% (prev 0.60%; Δ 2.93k% > 0.5%)
Asset Turnover: 29.58% > 50% (prev 51.99%; Δ -22.41% > 0%)
Interest Coverage Ratio: 0.16 > 6 (EBITDA TTM 590.91b / Interest Expense TTM 2998.48b)

Altman Z'' 0.99

A: 0.12 (Total Current Assets 3505.82b - Total Current Liabilities 468.05b) / Total Assets 25399.20b
B: 0.01 (Retained Earnings 181.86b / Total Assets 25399.20b)
C: 0.03 (EBIT TTM 486.44b / Avg Total Assets 18975.87b)
D: 0.01 (Book Value of Equity 161.67b / Total Liabilities 21856.71b)
Altman-Z'' Score: 0.99 = BB

Beneish M -2.85

DSRI: 0.00 (Receivables 628.6m/197.52b, Revenue 5613.09b/6525.52b)
GMI: 2.01 (GM 29.87% / 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: -2.85 (Cap -4..+1) = A

What is the price of BBAR shares?

As of March 21, 2026, the stock is trading at USD 13.40 with a total of 645,762 shares traded.
Over the past week, the price has changed by +1.03%, over one month by -21.60%, over three months by -26.35% and over the past year by -25.83%.

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?

Issuer Target Up/Down from current
Wallstreet Target Price 22.9 70.7%
Analysts Target Price 22.9 70.7%

BBAR Fundamental Data Overview March 17, 2026

P/E Trailing = 31.7143
P/E Forward = 3.2185
P/S = 0.0009
P/B = 1.1043
P/EG = 4.374
Revenue TTM = 5613.09b USD
EBIT TTM = 486.44b USD
EBITDA TTM = 590.91b USD
Long Term Debt = 407.59b USD (from longTermDebt, two quarters ago)
Short Term Debt = 468.05b USD (from shortTermDebt, last quarter)
Debt = 468.05b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -3037.77b USD (from netDebt column, last quarter)
Enterprise Value = -3033.17b USD (4.60b + Debt 468.05b - CCE 3505.82b)
Interest Coverage Ratio = 0.16 (Ebit TTM 486.44b / Interest Expense TTM 2998.48b)
EV/FCF = 1.92x (Enterprise Value -3033.17b / FCF TTM -1579.95b)
FCF Yield = 52.09% (FCF TTM -1579.95b / Enterprise Value -3033.17b)
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 = 29.87% ((Revenue TTM 5613.09b - Cost of Revenue TTM 3936.45b) / Revenue TTM)
Gross Margin QoQ = -14.64% (prev 41.61%)
Tobins Q-Ratio = -0.12 (set to none) (Enterprise Value -3033.17b / Total Assets 25399.20b)
Interest Expense / Debt = 306.5% (Interest Expense 1434.55b / Debt 468.05b)
Taxrate = 42.42% (41.92b / 98.82b)
NOPAT = 280.10b (EBIT 486.44b * (1 - 42.42%))
Current Ratio = 7.49 (Total Current Assets 3505.82b / Total Current Liabilities 468.05b)
Debt / Equity = 0.14 (Debt 468.05b / totalStockholderEquity, last quarter 3431.45b)
Debt / EBITDA = -5.14 (Net Debt -3037.77b / EBITDA 590.91b)
Debt / FCF = 1.92 (negative FCF - burning cash) (Net Debt -3037.77b / 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 = 14.28% (EBIT 486.44b / Capital Employed (Equity 2999.81b + L.T.Debt 407.59b))
RoIC = 8.69% (NOPAT 280.10b / Invested Capital 3221.59b)
WACC = 0.10% (E(4.60b)/V(472.65b) * Re(10.66%) + (debt cost/tax rate unavailable))
Discount Rate = 10.66% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.06%
[DCF] Fair Price = unknown (Cash Flow -1579.95b)
EPS Correlation: -38.83 | EPS CAGR: -5.85% | SUE: -0.46 | # QB: 0
Revenue Correlation: 80.58 | Revenue CAGR: 107.8% | SUE: 4.0 | # QB: 2
EPS next Year (2026-12-31): EPS=1.34 | Chg7d=+0.092 | Chg30d=+0.092 | Revisions Net=-1 | Growth EPS=+479.0% | Growth Revenue=+24.6%

Additional Sources for BBAR Stock

Fund Manager Positions: Dataroma | Stockcircle