BBAR
Banco BBVA Argentina S.A.
Banks - Regional
Market Cap$3.19B
5Y Perf.+392.7%
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Stock Comparison
BBAR vs LOMA
Revenue, margins, valuation, and 5-year total return — side by side.
LOMA
Loma Negra Compañía Industrial Argentina Sociedad Anónima
Construction Materials
Market Cap$1.37B
5Y Perf.+153.2%
BBAR vs LOMA — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | BBAR | LOMA |
|---|---|---|
| Industry | Banks - Regional | Construction Materials |
| Market Cap | $3.19B | $1.37B |
| Revenue (TTM) | $5.20T | $774.35B |
| Net Income (TTM) | $258.90B | $19.71B |
| Gross Margin | 65.9% | 21.8% |
| Operating Margin | 8.5% | 9.5% |
| Forward P/E | 0.0x | 0.0x |
| Total Debt | $349.00B | $301.33B |
| Cash & Equiv. | $2.82T | $9.76B |
BBAR vs LOMA — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
BBAR
LOMA
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Banco BBVA Argentin… (BBAR) | 100 | 492.7 | +392.7% |
| Loma Negra Compañía… (LOMA) | 100 | 253.2 | +153.2% |
Price return only. Dividends and distributions are not included.
Quick Verdict: BBAR vs LOMA
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: BBAR leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Loma Negra Compañía Industrial Argentina Sociedad Anónima is the stronger pick specifically for growth and revenue expansion and capital preservation and lower volatility. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
BBAR
Banco BBVA Argentina S.A.
The Banking Pick
BBAR carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 1 yrs, beta 2.02, yield 2.0%
- -7.3% 10Y total return vs LOMA's -34.8%
- Lower P/E (0.0x vs 0.0x)
Best for: income & stability and long-term compounding
LOMA
Loma Negra Compañía Industrial Argentina Sociedad Anónima
The Growth Play
LOMA is the clearest fit if your priority is growth exposure and sleep-well-at-night.
- Rev growth 41.3%, EPS growth -96.5%, 3Y rev CAGR 0.1%
- Lower volatility, beta 1.50, Low D/E 28.3%, current ratio 1.44x
- Beta 1.50, yield 0.0%, current ratio 1.44x
Best for: growth exposure and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | LOMA | 41.3% revenue growth vs BBAR's -31.1% |
| Value | BBAR | Lower P/E (0.0x vs 0.0x) |
| Quality / Margins | BBAR | 6.9% margin vs LOMA's 2.5% |
| Stability / Safety | LOMA | Beta 1.50 vs BBAR's 2.02 |
| Dividends | BBAR | 2.0% yield; 1-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | LOMA | +2.0% vs BBAR's -19.0% |
| Efficiency (ROA) | BBAR | 1.4% ROA vs LOMA's 1.1%, ROIC 10.7% vs 6.2% |
BBAR vs LOMA — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLBBARLAGGINGLOMA
LOMALoma Negra Compañía I…
1leads
BBARBanco BBVA Argentina …
5leads
6 Total Categories
CATEGORYLEADERvs LOMAMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
BBAR3/5
Valuation MetricsMultiples, price ratios, and targets
BBAR5/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
BBAR6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
BBAR4/6
Risk & VolatilityBeta, volatility, and downside exposure
LOMA2/2
Analyst OutlookRatings, price targets, and dividends
BBAR2/2
Income & Cash Flow (Last 12 Months)
BBAR leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
BBAR is the larger business by revenue, generating $5.20T annually — 6.7x LOMA's $774.3B. Profitability is closely matched — net margins range from 6.9% (BBAR) to 2.5% (LOMA).
| Metric | BBARBanco BBVA Argent… | LOMALoma Negra Compañ… |
|---|---|---|
| RevenueTrailing 12 months | $5.20T | $774.3B |
| EBITDAEarnings before interest/tax | $421.5B | $118.7B |
| Net IncomeAfter-tax profit | $258.9B | $19.7B |
| Free Cash FlowCash after capex | -$3.96T | -$245M |
| Gross MarginGross profit ÷ Revenue | +65.9% | +21.8% |
| Operating MarginEBIT ÷ Revenue | +8.5% | +9.5% |
| Net MarginNet income ÷ Revenue | +6.9% | +2.5% |
| FCF MarginFCF ÷ Revenue | -102.7% | -0.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | +6.7% |
| EPS Growth (YoY)Latest quarter vs prior year | -64.8% | -71.9% |
BBAR leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
BBAR leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
At 12.6x trailing earnings, BBAR trades at a 82% valuation discount to LOMA's 70.2x P/E. On an enterprise value basis, BBAR's 3.8x EV/EBITDA is more attractive than LOMA's 11.3x.
| Metric | BBARBanco BBVA Argent… | LOMALoma Negra Compañ… |
|---|---|---|
| Market CapShares × price | $3.2B | $1.4B |
| Enterprise ValueMkt cap + debt − cash | $1.4B | $1.6B |
| Trailing P/EPrice ÷ TTM EPS | 12.59x | 70.23x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.01x | 0.02x |
| PEG RatioP/E ÷ EPS growth rate | 0.20x | — |
| EV / EBITDAEnterprise value multiple | 3.79x | 11.27x |
| Price / SalesMarket cap ÷ Revenue | 0.85x | 1.93x |
| Price / BookPrice ÷ Book value/share | 1.70x | 1.78x |
| Price / FCFMarket cap ÷ FCF | — | — |
BBAR leads this category, winning 5 of 5 comparable metrics.
Profitability & Efficiency
BBAR leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
BBAR delivers a 9.1% return on equity — every $100 of shareholder capital generates $9 in annual profit, vs $2 for LOMA. BBAR carries lower financial leverage with a 0.13x debt-to-equity ratio, signaling a more conservative balance sheet compared to LOMA's 0.28x. On the Piotroski fundamental quality scale (0–9), LOMA scores 6/9 vs BBAR's 4/9, reflecting solid financial health.
| Metric | BBARBanco BBVA Argent… | LOMALoma Negra Compañ… |
|---|---|---|
| ROE (TTM)Return on equity | +9.1% | +2.0% |
| ROA (TTM)Return on assets | +1.4% | +1.1% |
| ROICReturn on invested capital | +10.7% | +6.2% |
| ROCEReturn on capital employed | +8.7% | +7.0% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 6 |
| Debt / EquityFinancial leverage | 0.13x | 0.28x |
| Net DebtTotal debt minus cash | -$2.47T | $291.6B |
| Cash & Equiv.Liquid assets | $2.82T | $9.8B |
| Total DebtShort + long-term debt | $349.0B | $301.3B |
| Interest CoverageEBIT ÷ Interest expense | 0.16x | 1.47x |
BBAR leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
BBAR leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in BBAR five years ago would be worth $68,265 today (with dividends reinvested), compared to $23,634 for LOMA. Over the past 12 months, LOMA leads with a +2.0% total return vs BBAR's -19.0%. The 3-year compound annual growth rate (CAGR) favors BBAR at 61.2% vs LOMA's 25.1% — a key indicator of consistent wealth creation.
| Metric | BBARBanco BBVA Argent… | LOMALoma Negra Compañ… |
|---|---|---|
| YTD ReturnYear-to-date | -12.2% | -9.2% |
| 1-Year ReturnPast 12 months | -19.0% | +2.0% |
| 3-Year ReturnCumulative with dividends | +318.7% | +95.8% |
| 5-Year ReturnCumulative with dividends | +582.7% | +136.3% |
| 10-Year ReturnCumulative with dividends | -7.3% | -34.8% |
| CAGR (3Y)Annualised 3-year return | +61.2% | +25.1% |
BBAR leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
LOMA leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
LOMA is the less volatile stock with a 1.50 beta — it tends to amplify market swings less than BBAR's 2.02 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. LOMA currently trades 82.6% from its 52-week high vs BBAR's 67.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | BBARBanco BBVA Argent… | LOMALoma Negra Compañ… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 2.02x | 1.50x |
| 52-Week HighHighest price in past year | $23.10 | $14.17 |
| 52-Week LowLowest price in past year | $7.76 | $7.04 |
| % of 52W HighCurrent price vs 52-week peak | +67.6% | +82.6% |
| RSI (14)Momentum oscillator 0–100 | 44.6 | 53.7 |
| Avg Volume (50D)Average daily shares traded | 667K | 390K |
LOMA leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
BBAR leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates BBAR as "Buy" and LOMA as "Buy". Consensus price targets imply 2.4% upside for BBAR (target: $16) vs -30.8% for LOMA (target: $8). BBAR is the only dividend payer here at 2.04% yield — a key consideration for income-focused portfolios.
| Metric | BBARBanco BBVA Argent… | LOMALoma Negra Compañ… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $16.00 | $8.10 |
| # AnalystsCovering analysts | 3 | 6 |
| Dividend YieldAnnual dividend ÷ price | +2.0% | +0.0% |
| Dividend StreakConsecutive years of raises | 1 | 0 |
| Dividend / ShareAnnual DPS | $443.65 | $0.03 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
BBAR leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
BBAR leads in 5 of 6 categories (Income & Cash Flow, Valuation Metrics). LOMA leads in 1 (Risk & Volatility).
Best OverallBanco BBVA Argentina S.A. (BBAR)Leads 5 of 6 categories
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BBAR vs LOMA: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is BBAR or LOMA a better buy right now?
For growth investors, Loma Negra Compañía Industrial Argentina Sociedad Anónima (LOMA) is the stronger pick with 41.
3% revenue growth year-over-year, versus -31. 1% for Banco BBVA Argentina S. A. (BBAR). Banco BBVA Argentina S. A. (BBAR) offers the better valuation at 12. 6x trailing P/E (0. 0x forward), making it the more compelling value choice. Analysts rate Banco BBVA Argentina S. A. (BBAR) a "Buy" — based on 3 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.
02Which has the better valuation — BBAR or LOMA?
On trailing P/E, Banco BBVA Argentina S.
A. (BBAR) is the cheapest at 12. 6x versus Loma Negra Compañía Industrial Argentina Sociedad Anónima at 70. 2x. On forward P/E, Banco BBVA Argentina S. A. is actually cheaper at 0. 0x.
03Which is the better long-term investment — BBAR or LOMA?
Over the past 5 years, Banco BBVA Argentina S.
A. (BBAR) delivered a total return of +582. 7%, compared to +136. 3% for Loma Negra Compañía Industrial Argentina Sociedad Anónima (LOMA). Over 10 years, the gap is even starker: BBAR returned -7. 3% versus LOMA's -34. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — BBAR or LOMA?
By beta (market sensitivity over 5 years), Loma Negra Compañía Industrial Argentina Sociedad Anónima (LOMA) is the lower-risk stock at 1.
50β versus Banco BBVA Argentina S. A. 's 2. 02β — meaning BBAR is approximately 35% more volatile than LOMA relative to the S&P 500. On balance sheet safety, Banco BBVA Argentina S. A. (BBAR) carries a lower debt/equity ratio of 13% versus 28% for Loma Negra Compañía Industrial Argentina Sociedad Anónima — giving it more financial flexibility in a downturn.
05Which is growing faster — BBAR or LOMA?
By revenue growth (latest reported year), Loma Negra Compañía Industrial Argentina Sociedad Anónima (LOMA) is pulling ahead at 41.
3% versus -31. 1% for Banco BBVA Argentina S. A. (BBAR). On earnings-per-share growth, the picture is similar: Banco BBVA Argentina S. A. grew EPS -1. 4% year-over-year, compared to -96. 5% for Loma Negra Compañía Industrial Argentina Sociedad Anónima. 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.
06Which has better profit margins — BBAR or LOMA?
Banco BBVA Argentina S.
A. (BBAR) is the more profitable company, earning 6. 9% net margin versus 2. 8% for Loma Negra Compañía Industrial Argentina Sociedad Anónima — meaning it keeps 6. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: LOMA leads at 9. 6% versus 8. 5% for BBAR. At the gross margin level — before operating expenses — BBAR leads at 65. 9%, 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.
07Is BBAR or LOMA more undervalued right now?
On forward earnings alone, Banco BBVA Argentina S.
A. (BBAR) trades at 0. 0x forward P/E versus 0. 0x for Loma Negra Compañía Industrial Argentina Sociedad Anónima — 0. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BBAR: 2. 4% to $16. 00.
08Which pays a better dividend — BBAR or LOMA?
In this comparison, BBAR (2.
0% yield) pays a dividend. LOMA does not pay a meaningful dividend and should not be held primarily for income.
09Is BBAR or LOMA better for a retirement portfolio?
For long-horizon retirement investors, Banco BBVA Argentina S.
A. (BBAR) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (2. 0% yield). Both have compounded well over 10 years (BBAR: -7. 3%, LOMA: -34. 8%), 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.
10What are the main differences between BBAR and LOMA?
These companies operate in different sectors (BBAR (Financial Services) and LOMA (Basic Materials)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: BBAR is a small-cap deep-value stock; LOMA is a small-cap high-growth stock. BBAR pays a dividend while LOMA does not, making them suitable for different income and tax situations. 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.
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Revenue Growth>
%
(BBAR: -31.1% · LOMA: 6.7%)Net Margin>
%
(BBAR: 6.9% · LOMA: 2.5%)P/E Ratio<
x
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