IRS vs BMA

For growth investors, IRSA Inversiones y Representaciones Sociedad Anónima (IRS) is the stronger pick with 7.

1% revenue growth year-over-year, versus -33. 3% for Banco Macro S. A. (BMA). IRSA Inversiones y Representaciones Sociedad Anónima (IRS) offers the better valuation at 1. 1x trailing P/E (0. 0x forward), making it the more compelling value choice. Analysts rate IRSA Inversiones y Representaciones Sociedad Anónima (IRS) a "Buy" — based on 2 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, IRSA Inversiones y Representaciones Sociedad Anónima (IRS) is the cheapest at 1.

1x versus Banco Macro S. A. at 20. 4x. On forward P/E, Banco Macro S. A. is actually cheaper at 0. 0x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: IRSA Inversiones y Representaciones Sociedad Anónima wins at 0. 00x versus Banco Macro S. A. 's 0. 00x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, Banco Macro S.

A. (BMA) delivered a total return of +520. 7%, compared to +370. 5% for IRSA Inversiones y Representaciones Sociedad Anónima (IRS). Over 10 years, the gap is even starker: BMA returned +48. 5% versus IRS's +43. 7%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), IRSA Inversiones y Representaciones Sociedad Anónima (IRS) is the lower-risk stock at 1.

30β versus Banco Macro S. A. 's 1. 76β — meaning BMA is approximately 36% more volatile than IRS relative to the S&P 500. On balance sheet safety, Banco Macro S. A. (BMA) carries a lower debt/equity ratio of 11% versus 37% for IRSA Inversiones y Representaciones Sociedad Anónima — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), IRSA Inversiones y Representaciones Sociedad Anónima (IRS) is pulling ahead at 7.

1% versus -33. 3% for Banco Macro S. A. (BMA). On earnings-per-share growth, the picture is similar: IRSA Inversiones y Representaciones Sociedad Anónima grew EPS 48. 2% year-over-year, compared to -44. 6% for Banco Macro S. A.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

IRSA Inversiones y Representaciones Sociedad Anónima (IRS) is the more profitable company, earning 22.

3% net margin versus 5. 0% for Banco Macro S. A. — meaning it keeps 22. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: IRS leads at 6. 6% versus 5. 6% for BMA. At the gross margin level — before operating expenses — BMA leads at 68. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, IRSA Inversiones y Representaciones Sociedad Anónima (IRS) is the more undervalued stock at a PEG of 0. 00x versus Banco Macro S. A. 's 0. 00x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Banco Macro S. A. (BMA) trades at 0. 0x forward P/E versus 0. 0x for IRSA Inversiones y Representaciones Sociedad Anónima — 0. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BMA: 73. 6% to $130. 00.

All stocks in this comparison pay dividends.

Banco Macro S. A. (BMA) offers the highest yield at 7. 0%, versus 6. 2% for IRSA Inversiones y Representaciones Sociedad Anónima (IRS).

For long-horizon retirement investors, IRSA Inversiones y Representaciones Sociedad Anónima (IRS) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1.

30), 6. 2% yield). Banco Macro S. A. (BMA) carries a higher beta of 1. 76 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (IRS: +43. 7%, BMA: +48. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

These companies operate in different sectors (IRS (Industrials) and BMA (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: IRS is a small-cap deep-value stock; BMA is a small-cap income-oriented stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.