BBAR Stock Analysis: BBVA Banco Frances | NYSE
Banks - Regional | NYSE, USA | Market Cap: 3.133m USD | 12M Return: 2.3% | US0589341009 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.74M
EPS Trend: -48.5%
Qual. Beats: -1
Rev. Trend: 49.4%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 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: 282b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.09 > 0.02 and ΔFCF/TA 26.03 > 1.0 |
| NWC/Revenue: -156.1% < 20% (prev -197.4%; Δ 41.36% < -1%) |
| CFO/TA 0.10 > 3% & CFO 2696b > Net Income 282b |
| Net Debt (-5546b) to EBITDA (590b): -9.41 < 3 |
| Current Ratio: 0.43 > 1.5 & < 3 |
| Outstanding Shares: last quarter (204.2m) vs 12m ago -0.38% < -2% |
| Gross Margin: 50.87% > 18% (prev 60.58%; Δ -9.71% > 0.5%) |
| Asset Turnover: 29.09% > 50% (prev 24.71%; Δ 4.37% > 0%) |
| Interest Coverage Ratio: 0.15 > 6 (EBIT TTM 470b / Interest Expense TTM 3043b) |
| A: -0.40 (Total Current Assets 7573b - Total Current Liabilities 17781b) / Total Assets 25712b |
| B: 0.01 (Retained Earnings 352b / Total Assets 25712b) |
| C: 0.02 (EBIT TTM 470b / Avg Total Assets 22488b) |
| D: 0.18 (Book Value of Equity 3895b / Total Liabilities 21688b) |
| Altman-Z'' = -2.23 = D |
| DSRI: 0.10 (Receivables 587k/225b, Revenue 6541b/4761b) |
| GMI: 1.19 (GM 60.58% / 50.87%) |
| AQI: 0.86 (AQ_t 0.67 / AQ_t-1 0.77) |
| SGI: 1.37 (Revenue 6541b / 4761b) |
| TATA: -0.09 (NI 282b - CFO 2696b) / TA 25712b) |
| Beneish M = -3.42 (Cap -4..+1) = AA |
As of August 22, 2026, the stock is trading at USD 14.05 with a total of 1,151,081 shares traded. Over the past week, the price has changed by -8.41%, over one month by -29.68%, over three months by -12.84% and over the past year by +2.33%.
Current recommended Stop Loss: 12.70 (which is 9.6% or 1.5 ATR below the current price).
BBVA Banco Frances has received a consensus analysts rating of 3.75. Therefore, it is recommended to hold BBAR.
- StrongBuy: 1
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 26.7 | 89.8% |
Market Cap ARS = 4691b (3.13b USD * 1497.25 USD.ARS)
P/E Trailing = 16.1474
P/E Forward = 3.2185
P/S = 0.001
P/B = 1.2005
P/EG = 4.374
Revenue TTM = 6541b ARS
EBIT TTM = 470b ARS
EBITDA TTM = 590b ARS
Long Term Debt = 1908b ARS (from longTermDebt, last fiscal year)
Short Term Debt = 66.9b ARS (from shortTermDebt, last quarter)
Debt = 2027b ARS (corrected: LT Debt 1908b + ST Debt 66.9b) + Leases 51.5b
Net Debt = -5546b ARS (calculated: Debt 2027b - CCE 7573b)
Enterprise Value = 4691b ARS (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.15 (Ebit TTM 470b / Interest Expense TTM 3043b)
EV/FCF = 1.92x (Enterprise Value 4691b / FCF TTM 2438b)
FCF Yield = 51.98% (FCF TTM 2438b / Enterprise Value 4691b)
FCF Margin = 37.27% (FCF TTM 2438b / Revenue TTM 6541b)
Net Margin = 4.31% (Net Income TTM 282b / Revenue TTM 6541b)
Gross Margin = 50.87% ((Revenue TTM 6541b - Cost of Revenue TTM 3214b) / Revenue TTM)
Gross Margin QoQ = 50.76% (prev 70.50%)
Tobins Q-Ratio = 0.18 (Enterprise Value 4691b / Total Assets 25712b)
Interest Expense / Debt = 150.1% (Interest Expense 3043b / Debt 2027b)
Taxrate = 16.11% (75.7b / 470b)
NOPAT = 394b (EBIT 470b * (1 - 16.11%))
Current Ratio = 0.43 (Total Current Assets 7573b / Total Current Liabilities 17781b)
Debt / Equity = 0.52 (Debt 2027b / totalStockholderEquity, last quarter 3895b)
Debt / EBITDA = -9.41 (Net Debt -5546b / EBITDA 590b)
Debt / FCF = -2.27 (Net Debt -5546b / FCF TTM 2438b)
Total Stockholder Equity = 3292b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.25% (Net Income 282b / Total Assets 25712b)
RoE = 8.56% (Net Income TTM 282b / Total Stockholder Equity 3292b)
RoCE = 9.03% (EBIT 470b / Capital Employed (Equity 3292b + L.T.Debt 1908b))
RoIC = 5.14% (NOPAT 394b / Invested Capital 7670b)
WACC = 6.26% (E(4691b)/V(6718b) * Re(8.97%) + (debt cost/tax rate unavailable))
Discount Rate = 8.97% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -6.44 | Cagr: 0.0%
[DCF] Terminal Value 75.44% ; FCFF base≈2438b ; Y1≈2448b ; Y5≈2593b
[DCF] Fair Price = 225k (EV 40336b - Net Debt -5546b = Equity 45883b / Shares 204.2m; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
[DCF] Fair Price = 225k (out of range, set to none)
EPS Correlation: -48.50 | EPS CAGR: -12.39% | SUE: -1.69 | # QB: -1
Revenue Correlation: 49.36 | Revenue CAGR: 13.32% | SUE: 0.84 | # QB: 1
EPS current Quarter (2026-06-30): EPS=0.35 | Chg30d=N/A | Revisions=+0% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.47 | Chg30d=N/A | Revisions=+0% | Analysts=1
EPS current Year (2026-12-31): EPS=0.42 | Chg30d=+0.00% | Revisions=-25% | GrowthEPS=-45.5% | GrowthRev=+44.0%
EPS next Year (2027-12-31): EPS=1.19 | Chg30d=+0.00% | Revisions=+25% | GrowthEPS=+180.2% | GrowthRev=+27.4%