(BMA) Banco Macro - Ratings and Ratios
Checking, Savings, Credit, Loans, Digital
BMA EPS (Earnings per Share)
BMA Revenue
Description: BMA Banco Macro
Banco Macro SA B ADR (NYSE:BMA) is a leading banking institution in Argentina, offering a comprehensive range of financial products and services to retail and corporate customers. The banks diverse portfolio includes savings and checking accounts, credit and debit cards, consumer finance loans, mortgage loans, and other specialized financial solutions.
From a financial perspective, Banco Macro SA B ADR has a market capitalization of $4.2 billion USD, indicating a significant presence in the market. The forward Price-to-Earnings ratio is 3.10, suggesting a relatively low valuation compared to its expected earnings. The Return on Equity (RoE) is 0.85, which may indicate a need for improvement in terms of profitability. To further analyze the banks performance, we can examine additional KPIs such as the Net Interest Margin (NIM), which can provide insights into the banks ability to generate revenue from its lending activities.
To better understand the stocks behavior, we can analyze its support and resistance levels. The stock has resistance levels at $92.5, $84.7, $79.7, and $74.8, while support levels are at $64.2, $59.9, and $52.2. These levels can be used to identify potential trading opportunities. Furthermore, we can examine the stocks price movements in relation to its moving averages, such as the 20-day, 50-day, and 200-day Simple Moving Averages (SMA). The current price is $73.31, which is above the 20-day SMA of $67.71 but below the 50-day SMA of $74.95.
Additional KPIs that can be used to evaluate Banco Macro SA B ADR include the banks loan-to-deposit ratio, which can indicate its liquidity and ability to meet customer demands. The banks asset quality, as measured by its non-performing loan ratio, can also provide insights into its credit risk management. By examining these KPIs, we can gain a more comprehensive understanding of the banks financial health and potential for future growth.
BMA Stock Overview
| Market Cap in USD | 2,755m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 2006-03-24 |
BMA Stock Ratings
| Growth Rating | 36.2% |
| Fundamental | 65.0% |
| Dividend Rating | 51.7% |
| Return 12m vs S&P 500 | -46.7% |
| Analyst Rating | 3.86 of 5 |
BMA Dividends
| Dividend Yield 12m | 1.25% |
| Yield on Cost 5y | 6.88% |
| Annual Growth 5y | 70.24% |
| Payout Consistency | 58.3% |
| Payout Ratio | 0.0% |
BMA Growth Ratios
| Growth Correlation 3m | -58.3% |
| Growth Correlation 12m | -34.8% |
| Growth Correlation 5y | 90% |
| CAGR 5y | 49.43% |
| CAGR/Max DD 3y | 0.79 |
| CAGR/Mean DD 3y | 4.34 |
| Sharpe Ratio 12m | -1.22 |
| Alpha | 0.04 |
| Beta | 0.624 |
| Volatility | 58.78% |
| Current Volume | 320k |
| Average Volume 20d | 498.1k |
| Stop Loss | 40.3 (-7.2%) |
| Signal | -0.72 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (31.17b TTM) > 0 and > 6% of Revenue (6% = 229.71b TTM) |
| FCFTA 0.07 (>2.0%) and ΔFCFTA 8.35pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -193.5% (prev -92.89%; Δ -100.6pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.10 (>3.0%) and CFO 1663.55b > Net Income 31.17b (YES >=105%, WARN >=100%) |
| NO Net Debt/EBITDA fails (EBITDA <= 0) |
| Current Ratio 0.23 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (63.9m) change vs 12m ago 0.06% (target <= -2.0% for YES) |
| Gross Margin 46.43% (prev 31.22%; Δ 15.21pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 29.29% (prev 41.00%; Δ -11.71pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -0.11 (EBITDA TTM -61.15b / Interest Expense TTM 1420.03b) >= 6 (WARN >= 3) |
Altman Z'' -2.74
| (A) -0.46 = (Total Current Assets 2231.11b - Total Current Liabilities 9638.59b) / Total Assets 16144.04b |
| (B) 0.02 = Retained Earnings (Balance) 385.88b / Total Assets 16144.04b |
| (C) -0.01 = EBIT TTM -162.59b / Avg Total Assets 13071.05b |
| (D) 0.26 = Book Value of Equity 3067.72b / Total Liabilities 11701.81b |
| Total Rating: -2.74 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 65.03
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 47.10% = 5.0 |
| 3. FCF Margin 29.21% = 7.30 |
| 4. Debt/Equity 0.11 = 2.49 |
| 5. Debt/Ebitda -7.89 = -2.50 |
| 6. ROIC - WACC (= -3.80)% = -4.75 |
| 7. RoE 0.81% = 0.07 |
| 8. Rev. Trend 67.00% = 5.02 |
| 9. EPS Trend 67.84% = 3.39 |
What is the price of BMA shares?
Over the past week, the price has changed by -8.41%, over one month by -38.73%, over three months by -39.77% and over the past year by -36.84%.
Is Banco Macro a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BMA is around 48.86 USD . This means that BMA is currently undervalued and has a potential upside of +12.5% (Margin of Safety).
Is BMA a buy, sell or hold?
- Strong Buy: 2
- Buy: 2
- Hold: 3
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the BMA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 91.3 | 110.1% |
| Analysts Target Price | 91.3 | 110.1% |
| ValueRay Target Price | 54.4 | 25.2% |
Last update: 2025-09-18 04:31
BMA Fundamental Data Overview
CCE Cash And Equivalents = 2146.80b ARS (Cash And Short Term Investments, last quarter)
P/E Forward = 3.0979
P/S = 0.0009
P/B = 0.9166
P/EG = 0.9
Beta = 0.693
Revenue TTM = 3828.47b ARS
EBIT TTM = -162.59b ARS
EBITDA TTM = -61.15b ARS
Long Term Debt = 457.45b ARS (from longTermDebt, last quarter)
Short Term Debt = 25.33b ARS (from shortTermDebt, last quarter)
Debt = 482.78b ARS (Calculated: Short Term 25.33b + Long Term 457.45b)
Net Debt = -1689.35b ARS (from netDebt column, last quarter)
Enterprise Value = 2374.16b ARS (4038.19b + Debt 482.78b - CCE 2146.80b)
Interest Coverage Ratio = -0.11 (Ebit TTM -162.59b / Interest Expense TTM 1420.03b)
FCF Yield = 47.10% (FCF TTM 1118.24b / Enterprise Value 2374.16b)
FCF Margin = 29.21% (FCF TTM 1118.24b / Revenue TTM 3828.47b)
Net Margin = 0.81% (Net Income TTM 31.17b / Revenue TTM 3828.47b)
Gross Margin = 46.43% ((Revenue TTM 3828.47b - Cost of Revenue TTM 2050.73b) / Revenue TTM)
Tobins Q-Ratio = 0.77 (Enterprise Value 2374.16b / Book Value Of Equity 3067.72b)
Interest Expense / Debt = 59.56% (Interest Expense 287.55b / Debt 482.78b)
Taxrate = 9.31% (33.52b / 360.01b)
NOPAT = -162.59b (EBIT -162.59b, no tax applied on loss)
Current Ratio = 0.23 (Total Current Assets 2231.11b / Total Current Liabilities 9638.59b)
Debt / Equity = 0.11 (Debt 482.78b / last Quarter total Stockholder Equity 4439.13b)
Debt / EBITDA = -7.89 (Net Debt -1689.35b / EBITDA -61.15b)
Debt / FCF = 0.43 (Debt 482.78b / FCF TTM 1118.24b)
Total Stockholder Equity = 3830.85b (last 4 quarters mean)
RoA = 0.19% (Net Income 31.17b, Total Assets 16144.04b )
RoE = 0.81% (Net Income TTM 31.17b / Total Stockholder Equity 3830.85b)
RoCE = -3.79% (Ebit -162.59b / (Equity 3830.85b + L.T.Debt 457.45b))
RoIC = -3.80% (NOPAT -162.59b / Invested Capital 4276.77b)
WACC = unknown (E(4038.19b)/V(4520.96b) * Re(8.32%)) + (D(482.78b)/V(4520.96b) * Rd(none%) * (1-Tc(0.09)))
Shares Correlation 3-Years: -3.80 | Cagr: 0.0%
Discount Rate = 8.32% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 74.91% ; FCFE base≈1118.24b ; Y1≈967.47b ; Y5≈768.26b
Fair Price DCF = 212.0k (DCF Value 13315.22b / Shares Outstanding 62.8m; 5y FCF grow -16.45% → 3.0% )
EPS Correlation: 67.84 | EPS CAGR: 1645 % | SUE: 1.42 | # QB: 1
Revenue Correlation: 67.00 | Revenue CAGR: 75.40% | SUE: N/A | # QB: None
Additional Sources for BMA Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle