(BBAR) BBVA Banco Frances - Overview
Stock: Retail Banking, Corporate Banking, Investment Banking, Insurance, Credit Cards
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.50% |
| Yield on Cost 5y | 8.63% |
| Yield CAGR 5y | -8.80% |
| Payout Consistency | 48.7% |
| Payout Ratio | 19.6% |
| Risk 5d forecast | |
|---|---|
| Volatility | 66.2% |
| Relative Tail Risk | -12.6% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.19 |
| Alpha | -32.93 |
| Character TTM | |
|---|---|
| Beta | 1.444 |
| Beta Downside | 1.267 |
| Drawdowns 3y | |
|---|---|
| Max DD | 66.16% |
| CAGR/Max DD | 1.15 |
Description: BBAR BBVA Banco Frances January 11, 2026
Banco BBVA Argentina S.A. (formerly BBVA Banco Francés) operates a full-service banking platform in Argentina, offering retail products (checking/savings accounts, time deposits, credit cards, consumer loans, mortgages, and insurance) to individuals, and a suite of financing, factoring, payroll, and investment services to SMEs and larger corporates. Its corporate and investment banking arm delivers global transaction services, risk-management and brokerage solutions, project finance, syndicated loans, and M&A advisory.
Key recent metrics (2023-24) include a loan portfolio of roughly US$9 billion, a net interest margin (NIM) of 4.2 %, and a net profit of US$210 million, reflecting a 12 % year-over-year loan growth despite a challenging macro environment. The bank’s cost-to-income ratio has improved to 48 % as it leverages digital channels to contain operating expenses.
Sector drivers are dominated by Argentina’s high inflation (≈ 140 % YoY) and volatile peso, which pressure credit risk and deposit pricing, while the Central Bank’s policy rate (≈ 80 %) creates a steep yield curve that can boost NIM but also raises funding costs. Regulatory capital requirements remain stringent, and any easing of sovereign debt restructuring could materially affect corporate loan demand.
For a deeper quantitative view, consult ValueRay’s detailed model on BBAR to assess how these dynamics translate into valuation upside.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 268.55b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.16 > 0.02 and ΔFCF/TA -33.43 > 1.0 |
| NWC/Revenue: -244.4% < 20% (prev -64.91%; Δ -179.5% < -1%) |
| CFO/TA -0.15 > 3% & CFO -3365.75b > Net Income 268.55b |
| Net Debt (-3123.59b) to EBITDA (497.27b): -6.28 < 3 |
| Current Ratio: 0.25 > 1.5 & < 3 |
| Outstanding Shares: last quarter (204.2m) vs 12m ago 0.01% < -2% |
| Gross Margin: 51.33% > 18% (prev 0.66%; Δ 5068 % > 0.5%) |
| Asset Turnover: 30.42% > 50% (prev 69.69%; Δ -39.27% > 0%) |
| Interest Coverage Ratio: 0.22 > 6 (EBITDA TTM 497.27b / Interest Expense TTM 1864.84b) |
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 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) |
| Altman-Z'' Score: -3.19 = D |
Beneish M -3.37
| DSRI: 0.28 (Receivables 37.02b/183.23b, Revenue 4823.06b/6649.77b) |
| GMI: 1.28 (GM 51.33% / 65.89%) |
| AQI: 1.03 (AQ_t 0.79 / AQ_t-1 0.77) |
| SGI: 0.73 (Revenue 4823.06b / 6649.77b) |
| TATA: 0.16 (NI 268.55b - CFO -3365.75b) / TA 22166.55b) |
| Beneish M-Score: -3.37 (Cap -4..+1) = AA |
What is the price of BBAR shares?
Over the past week, the price has changed by -7.35%, over one month by +0.67%, over three months by +12.00% and over the past year by -10.18%.
Is BBAR a buy, sell or hold?
- 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 | 21.9% |
| Analysts Target Price | 22.9 | 21.9% |
| ValueRay Target Price | 29.2 | 55.7% |
BBAR Fundamental Data Overview February 02, 2026
P/E Trailing = 32.6129
P/E Forward = 3.2185
P/S = 0.0022
P/B = 2.0654
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 = 3619.10b ARS (6742.69b + Debt 708.15b - CCE 3831.75b)
Interest Coverage Ratio = 0.22 (Ebit TTM 406.94b / Interest Expense TTM 1864.84b)
EV/FCF = -1.05x (Enterprise Value 3619.10b / FCF TTM -3458.59b)
FCF Yield = -95.56% (FCF TTM -3458.59b / Enterprise Value 3619.10b)
FCF Margin = -71.71% (FCF TTM -3458.59b / 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 = 0.16 (Enterprise Value 3619.10b / Total Assets 22166.55b)
Interest Expense / Debt = 102.6% (Interest Expense 726.40b / Debt 708.15b)
Taxrate = 37.95% (23.28b / 61.35b)
NOPAT = 252.51b (EBIT 406.94b * (1 - 37.95%))
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 = 0.90 (negative FCF - burning cash) (Net Debt -3123.59b / FCF TTM -3458.59b)
Total Stockholder Equity = 2730.45b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.69% (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 = 8.04% (NOPAT 252.51b / Invested Capital 3138.78b)
WACC = 10.17% (E(6742.69b)/V(7450.85b) * Re(11.24%) + (debt cost/tax rate unavailable))
Discount Rate = 11.24% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 81.65 | Cagr: 0.00%
Fair Price DCF = unknown (Cash Flow -3458.59b)
EPS Correlation: -43.79 | EPS CAGR: -43.08% | SUE: -1.15 | # QB: 0
Revenue Correlation: 84.39 | Revenue CAGR: 103.3% | SUE: 1.08 | # QB: 1
EPS next Year (2026-12-31): EPS=1.34 | Chg30d=+0.092 | Revisions Net=-1 | Growth EPS=+479.0% | Growth Revenue=+24.6%