Banco BBVA Argentina S.A. (BBAR) 10-Year Financial Performance & Capital Metrics

BBAR • • Banking & Credit

Financial ServicesRegional BanksInternational & Latin American BankingLatin American Retail Banking

AboutBanco BBVA Argentina S.A. provides various banking products and services to individuals and companies in Argentina. It provides retail banking products and services, such as checking and savings accounts, time deposits, credit cards, consumer and secured loans, mortgages, insurance, and investment products to individuals; and small and medium-sized companies products and services, including financing products, factoring, checking accounts, time deposits, transactional and payroll services, insurance, and investment products to private-sector companies. The company also provides corporate and investment banking products and services, such as global transaction services; global markets solutions comprising risk management and securities brokerage; long-term financing products, including project finance and syndicated loans; and corporate finance services comprising mergers and acquisitions, and capital markets advisory services to corporations and multinational companies operating in Argentina. As of December 31, 2021, it operated a network of 243 branches, 15 in-company branches, 7 point of sale outlets, 2 points of express support, 884 ATMs, and 854 self-service terminals, as well as mobile and internet banking services. The company was formerly known as BBVA Banco Francés S.A. and changed its name to Banco BBVA Argentina S.A. in July 2019. Banco BBVA Argentina S.A. was incorporated in 1886 and is based in Buenos Aires, Argentina.Show more

Net Interest Income $2982.4B -17.4%
Total Revenue $5199.52B -31.1%
Net Income $360.41B +5.5%
Return on Equity 12.65% -36.2%
Net Interest Margin 20.26% -25.3%
Efficiency Ratio 57.38% +24.4%
ROA 2.57% -42.5%
Equity / Assets 17.77% -23.3%
Book Value per Share 12807.82 -15.1%
Tangible BV/Share 12468.86 -15.4%
Debt/Equity 0.13 +193.1%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Excellent 3Y average ROE of 49.7%
✓Strong 5Y profit CAGR of 61.4%
✓Strong NIM of 20.3%
✓Momentum leader: RS Rating 81 (top 19%)
✓Well capitalized: 17.8% equity/assets
✓Trading at only 0.0x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y77.11%

5Y80.53%

3Y52.58%

TTM-

Profit (Net Income) CAGR

10Y60.36%

5Y61.37%

3Y84.9%

TTM-33.67%

EPS CAGR

10Y76.28%

5Y62.67%

3Y168.21%

TTM-35.65%

ROCE

10Y Avg15.62%

5Y Avg18.78%

3Y Avg18.79%

Latest8.69%

Peer Comparison

Latin American Retail Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FBPFirst BanCorp.	3.39B	21.44	11.85	6.16%	25.04%	16.62%	11.64%	0.34
OFGOFG Bancorp	1.84B	41.92	9.91	13%	24.09%	14.59%	11.44%	0.34
BSBRBanco Santander (Brasil) S.A.	46.17B	6.18	7.10	6.31%	10.36%	7.84%		1.13
BAPCredicorp Ltd.	25.3B	318.78	4.61	6.4%	20.38%	17.35%	53.01%	1.07
IFSIntercorp Financial Services Inc.	5.01B	45.00	3.95	0.75%	14.68%	16.41%		1.08
INTRInter & Co, Inc.	2.63B	8.15	3.94	27.12%	9.34%	12.37%	100%	1.31
BBDBanco Bradesco S.A.	18.54B	3.51	2.15	-2%	6.91%	12.1%		4.08
ITUBItaú Unibanco Holding S.A.	40.24B	7.44	1.97	6.27%	12.61%	19.74%		4.09

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	9.09B	11.05B	36.54B	67.5B	138.83B	232.08B	763.58B	2.35T	3.61T	2.98T
NII Growth %	0.34%	0.22%	2.31%	0.85%	1.06%	0.67%	2.29%	2.07%	0.54%	-0.17%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	16.21B	21.3B	55.24B	119.31B	238.64B	354.02B	1.32T	4.32T	7T	4.75T
Interest Expense	7.12B	10.26B	18.4B	51.81B	99.81B	121.94B	554.49B	1.97T	3.39T	1.77T
Loan Loss Provision	637.02M	1.05B	0	78.06M	728.85M	1.58B	4.31B	-8.93B	-4.43B	7.65B
Non-Interest Income+	4.6B	6.46B	18.5B	21.6B	32.54B	56.88B	145.57B	294.42B	549.56B	449.84B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	20.81B	27.76B	73.74B	140.91B	271.18B	410.9B	1.46T	4.61T	7.55T	5.2T
Revenue Growth %	0.22%	0.33%	1.66%	0.91%	0.92%	0.52%	2.56%	2.15%	0.64%	-0.31%
Non-Interest Expense	7.22B	10.36B	51.37B	83.23B	133.46B	234.16B	820.06B	2.27T	3.48T	2.98T
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	5.83B	6.09B	3.97B	5.79B	37.19B	53.23B	84.79B	375.93B	682.31B	441.08B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.2%	0.04%	-0.35%	0.46%	5.42%	0.43%	0.59%	3.43%	0.81%	-0.35%
Pretax Income+	5.83B	6.09B	3.97B	5.79B	37.19B	53.23B	84.79B	375.93B	682.31B	441.08B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	2.05B	2.45B	1.11B	9.08B	4.26B	23.62B	28.03B	-17.11B	339.86B	76.26B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	3.78B	3.64B	2.93B	-3.12B	32.94B	29.55B	57.01B	399.02B	341.58B	360.41B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.18%	-0.04%	-0.2%	-2.07%	11.56%	-0.1%	0.93%	6%	-0.14%	0.06%
Net Income (Continuing)	3.78B	3.64B	2.86B	-3.29B	32.93B	29.6B	56.75B	393.05B	342.44B	364.82B
EPS (Diluted)+	21.15	20.37	20.25	-15.27	151.83	144.69	89.64	896.76	1754.40	1729.56
EPS Growth %	2.54%	-0.04%	-0.01%	-1.75%	10.94%	-0.05%	-0.38%	9%	0.96%	-0.01%
EPS (Basic)	21.15	20.37	20.25	-15.27	151.83	144.69	89.64	896.76	1754.40	1729.56
Diluted Shares Outstanding	178.96M	178.96M	191.59M	204.22M	204.22M	204.24M	204.24M	204.24M	204.24M	204.24M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	27.97B	88.75B	56.45B	152.46B	212.73B	229.49B	425.19B	296.3B	2.49T	2.82T
Short Term Investments	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	72.66B	161.44B	216.83B	311.52B	329.87B	615.9B	1.09T	1.33T	5.65T	8.87T
Investments Growth %	0.34%	1.22%	0.34%	0.44%	0.06%	0.87%	0.77%	0.22%	3.27%	0.57%
Long-Term Investments	72.66B	144.2B	191.61B	273.74B	268.32B	423.34B	764.49B	707.77B	4.21T	6.52T
Accounts Receivables	671K	1000K	1000K	0	0	0	0	0	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	3.48M	585.74M	0	0	0	0	0	0	0
Intangible Assets	236.86M	312.33M	6.41M	975.21M	1.06B	2.35B	7.16B	9.62B	72.16B	69.23B
PP&E (Net)	1.26B	2.96B	4.34B	26.06B	35.49B	50.97B	99.19B	96.1B	649.41B	646.55B
Other Assets	-1.14B	17.21B	23.98B	25.91B	22.14B	110.66B	336.29B	-1.52B	3.43T	791.15B
Total Current Assets	37.73B	120.68B	98.23B	229.49B	287.18B	449.81B	798.27B	920.06B	4.94T	6.66T
Total Non-Current Assets	73.01B	164.9B	220.55B	326.68B	331.13B	596.25B	1.21T	813.49B	8.37T	8.06T
Total Assets+	110.74B	285.58B	318.78B	556.17B	618.31B	1.05T	2.01T	1.96T	13.31T	14.72T
Asset Growth %	0.49%	1.58%	0.12%	0.74%	0.11%	0.69%	0.92%	-0.02%	5.79%	0.11%
Return on Assets (ROA)	0.04%	0.02%	0.01%	-0.01%	0.06%	0.04%	0.04%	0.2%	0.04%	0.03%
Accounts Payable	163K	44.29M	49.37M	147.17M	495.13M	62.7M	68.56M	127.19M	27.99M	170.83M
Total Debt+	3.77B	4.84B	4.47B	12.33B	21.74B	20.7B	29.49B	75.06B	140.25B	349B
Net Debt	-24.2B	-83.91B	-51.98B	-140.13B	-190.99B	-208.79B	-395.7B	-272.2B	-2.35T	-2.47T
Long-Term Debt	3.72B	4.59B	4.05B	12.31B	18.31B	16.25B	23.79B	62.21B	89.06B	316.6B
Short-Term Debt	49.04M	249M	421.39M	22.03M	0	0	0	0	0	0
Other Liabilities	14.43B	25.27B	32.4B	70.28B	80.23B	122.13B	247.73B	710.68B	2T	1.75T
Total Current Liabilities	77.6B	212.56B	229.35B	400.44B	401.52B	722.19B	1.38T	40.84M	7.94T	9.93T
Total Non-Current Liabilities	19.08B	34.49B	39.92B	85.67B	101.97B	150.98B	310.57B	860.63B	2.29T	2.17T
Total Liabilities	96.68B	247.05B	269.27B	486.11B	503.49B	873.17B	1.69T	1.59T	10.22T	12.1T
Total Equity+	14.05B	38.52B	49.52B	70.06B	114.82B	172.89B	317.54B	365.88B	3.08T	2.62T
Equity Growth %	0.32%	1.74%	0.29%	0.41%	0.64%	0.51%	0.84%	0.15%	7.42%	-0.15%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.31%	0.14%	0.07%	-0.05%	0.36%	0.21%	0.23%	1.17%	0.2%	0.13%
Book Value per Share	78.53	215.25	258.45	343.05	562.21	846.53	1554.76	1791.47	15084.74	12807.82
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	536.88M	536.88M	612.66M	612.66M	612.71M	612.71M	612.71M	612.71M	612.71M	612.71M
Additional Paid-in Capital	182.51M	1.98B	12.59B	19.37B	26.39B	39.83B	77.58B	6.74B	6.74B	6.74B
Retained Earnings	12.68B	5.06B	761.2M	-10.28B	-26.12B	-87.98B	-66.53B	-143.26B	-369.31B	-367.21B
Accumulated OCI	0	21.91B	26.51B	46.77B	93.15B	188.72B	243.6B	833.98B	2.5T	2.03T
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	13.06B	21.11B	9.22B	34.1B	27.21B	-10.14B	116.71B	110.48B	601.23B	-5.17T
Operating CF Growth %	7.8%	0.62%	-0.56%	2.7%	-0.2%	-1.37%	12.51%	-0.05%	4.44%	-9.6%
Net Income	0	0	4.48B	13.73B	35.81B	18.1B	21.08B	61.86B	358.31B	441.08B
Depreciation & Amortization	0	0	644.72M	876.37M	2B	4.07B	5.58B	10.97B	27.88B	79.61B
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	13.06B	21.11B	2.15B	-18.28B	-27.69B	31.01B	72.2B	163.69B	375.41B	2.22T
Working Capital Changes	0	0	3.24B	37.77B	17.08B	-63.32B	17.85B	-126.05B	-160.37B	-7.91T
Cash from Investing+	-1.95B	-2.47B	-1.63B	-883.55M	99.48M	-2.7B	-11B	-184.13B	-93.63B	-162.4B
Purchase of Investments	0	-53.04M	-15.41B	-73.38M	-24.58B	-130.72B	-181.12B	-707.57B	0	0
Sale/Maturity of Investments	0	0	0	1000K	1000K	0	0	1000K	0	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	6.63M	-82.02M	205.11M	0	0	558.13B	0	0
Other Investing	-1.66B	-2B	-853.72M	401.47M	25.41B	131.17B	178.16B	-167.72B	-51.48B	2.13B
Cash from Financing+	1.14B	-1.4B	5.45B	4.96B	-3.59B	202.64B	-34.36B	-57.7B	-57.61B	124.39B
Dividends Paid	0	-1.46B	-1.02B	-970.93M	-2.41B	0	0	-8.02B	-278.33M	-90.61B
Share Repurchases	0	0	0	1.26B	0	0	0	0	0	0
Stock Issued	0	0	16.51B	219.06M	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	1000K	1000K	-1000K	-1000K	-1000K	-1000K	1000K
Other Financing	940.09M	-654.17M	-2.16B	-3.06B	-3.77B	220.94B	-29.47B	-29.48B	-30.32B	37.58B
Net Change in Cash+	15.41B	20.49B	-9.33B	60.87B	57.15B	234.3B	-68.03B	-129.03B	220.3B	334.96B
Exchange Rate Effect	1000K	1000K	1000K	1000K	1000K	1000K	-1000K	1000K	1000K	-1000K
Cash at Beginning	12.95B	28.36B	48.86B	38.24B	99.11B	212.73B	229.6B	425.32B	922.37B	2.49T
Cash at End	28.36B	48.86B	39.52B	99.11B	156.26B	152.04B	218.34B	296.29B	1.14T	2.82T
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	12.78B	20.69B	8.45B	32.35B	24.55B	-13.29B	108.67B	94.07B	559.08B	-5.34T
FCF Growth %	9.79%	0.62%	-0.59%	2.83%	-0.24%	-1.54%	9.18%	-0.13%	4.94%	-10.55%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	30.69%	13.86%	6.65%	-5.22%	35.63%	20.54%	23.25%	116.77%	19.82%	12.65%
Return on Assets (ROA)	4.09%	1.84%	0.97%	-0.71%	5.61%	3.55%	3.73%	20.12%	4.48%	2.57%
Net Interest Margin	8.21%	3.87%	11.46%	12.14%	22.45%	22.19%	38.02%	119.83%	27.12%	20.26%
Efficiency Ratio	34.69%	37.31%	69.66%	59.07%	49.21%	56.99%	56.03%	49.32%	46.11%	57.38%
Equity / Assets	12.69%	13.49%	15.53%	12.6%	18.57%	16.53%	15.81%	18.68%	23.15%	17.77%
Book Value / Share	78.53	215.25	258.45	343.05	562.21	846.53	1.55K	1.79K	15.08K	12.81K
NII Growth	33.84%	21.54%	230.76%	84.71%	105.67%	67.17%	229.01%	207.39%	53.76%	-17.36%
Dividend Payout	-	40.18%	76.41%	-	15.31%	-	-	2.01%	0.08%	25.14%

Frequently Asked Questions

Valuation & Price

Banco BBVA Argentina S.A. (BBAR) has a price-to-earnings (P/E) ratio of 0.0x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Banco BBVA Argentina S.A. (BBAR) saw revenue decline by 31.1% over the past year.

Yes, Banco BBVA Argentina S.A. (BBAR) is profitable, generating $258.90B in net income for fiscal year 2024 (6.9% net margin).

Dividend & Returns

Yes, Banco BBVA Argentina S.A. (BBAR) pays a dividend with a yield of 100.00%. This makes it attractive for income-focused investors.

Banco BBVA Argentina S.A. (BBAR) has a return on equity (ROE) of 12.7%. This is reasonable for most industries.

Industry Metrics

Banco BBVA Argentina S.A. (BBAR) has a net interest margin (NIM) of 20.3%. This indicates healthy earnings from lending activities.

Banco BBVA Argentina S.A. (BBAR) has an efficiency ratio of 57.4%. This is reasonable for a bank.

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