Banco BBVA Argentina S.A. (BBAR) Financial Ratios
31 years of historical data (1994–2024) · Financial Services · Banks - Regional
EV/EBITDA
↓
3.61
—
5yr avg: N/A
30Y Low4.4·High16.5
P/FCF
↓
N/A
—
5yr avg: 0.01
30Y Low0.0·High20.6
P/B Ratio
↓
1.67
↑+84482% vs avg
5yr avg: 0.00
30Y Low0.0·High2.5
ROE
↓
12.7%
↑-67% vs avg
5yr avg: 38.6%
30Y Low-23%·High117%
Debt/EBITDA
↑
0.67
↑+110% vs avg
5yr avg: 0.32
30Y Low0.2·High11.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
BBAR Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Banco BBVA Argentina S.A. trades at 12.3x earnings, 81244% above its 5-year average of 0.0x, sitting at the 74th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.1x, the stock trades at a discount of 6%.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $3.1B | $3.9B | $1.1B | $797M | $643M | $656M | $1.1B | $2.3B | $4.8B | $3.1B | $3.4B |
| Enterprise Value | $1.4B | $-2470517989146 | $-2346966290537 | $-271401760003 | $-395059442502 | $-208131380302 | $-189856673180 | $-137812005400 | $-47153150417 | $-80787693826 | $-20789348926 |
| P/E Ratio → | 12.33 | 0.01 | 0.00 | 0.00 | 0.04 | 0.02 | 0.04 | — | 1.24 | 0.86 | 0.90 |
| P/S Ratio | 0.84 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 | 0.07 | 0.11 | 0.16 |
| P/B Ratio | 1.67 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.03 | 0.10 | 0.08 | 0.24 |
| P/FCF | — | — | 0.00 | 0.01 | 0.01 | — | 0.05 | 0.07 | 0.57 | 0.15 | 0.27 |
| P/OCF | — | — | 0.00 | 0.01 | 0.01 | — | 0.04 | 0.07 | 0.52 | 0.15 | 0.26 |
P/E links to full P/E history page with 30-year chart
BBAR EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Banco BBVA Argentina S.A.'s enterprise value stands at 3.6x EBITDA. The Financial Services sector median is 11.5x, placing the stock at a 68% discount on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | -0.48 | -0.31 | -0.06 | -0.27 | -0.51 | -0.70 | -0.98 | -0.64 | -2.91 | -1.00 |
| EV / EBITDA | 3.61 | -4.74 | -3.16 | -0.61 | -3.33 | -3.19 | -4.14 | -14.03 | -7.64 | -12.74 | -3.44 |
| EV / EBIT | 4.27 | -5.60 | -3.44 | -0.72 | -4.66 | -3.91 | -5.11 | -23.78 | -11.87 | -13.26 | -3.56 |
| EV / FCF | — | — | -4.20 | -2.89 | -3.64 | — | -7.73 | -4.26 | -5.58 | -3.90 | -1.63 |
BBAR Profitability
Margins and return-on-capital ratios measuring operating efficiency
Banco BBVA Argentina S.A. earns an operating margin of 8.5%, below the Financial Services sector average of 21.6%. ROE of 12.7% is modest. ROIC of 10.7% represents solid returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 65.9% | 65.9% | 55.2% | 57.5% | 61.8% | 69.9% | 62.9% | 63.2% | 75.0% | 59.3% | 62.7% |
| Operating Margin | 8.5% | 8.5% | 9.0% | 8.2% | 5.8% | 13.0% | 13.7% | 4.1% | 5.4% | 21.9% | 28.0% |
| Net Profit Margin | 6.9% | 6.9% | 4.5% | 8.7% | 3.9% | 7.2% | 12.1% | -2.2% | 4.0% | 13.1% | 18.2% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.7% | 12.7% | 19.8% | 116.8% | 23.2% | 20.5% | 35.6% | -5.2% | 6.7% | 13.9% | 30.7% |
| ROA | 2.6% | 2.6% | 4.5% | 20.1% | 3.7% | 3.6% | 5.6% | -0.7% | 1.0% | 1.8% | 4.1% |
| ROIC | 10.7% | 10.7% | 27.9% | 71.6% | 23.5% | 24.2% | 25.5% | 6.4% | 6.1% | 14.9% | 28.2% |
| ROCE | 8.7% | 8.7% | 18.6% | 29.1% | 17.8% | 19.7% | 20.0% | 4.7% | 4.9% | 11.5% | 21.2% |
BBAR Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Banco BBVA Argentina S.A. carries a Debt/EBITDA ratio of 0.7x, which is very conservative (84% below the sector average of 4.1x). The company holds a net cash position — cash of $2.8T exceeds total debt of $349.0B, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.13 | 0.13 | 0.05 | 0.21 | 0.09 | 0.12 | 0.19 | 0.18 | 0.09 | 0.13 | 0.27 |
| Debt / EBITDA | 0.67 | 0.67 | 0.19 | 0.17 | 0.25 | 0.32 | 0.47 | 1.26 | 0.72 | 0.76 | 0.62 |
| Net Debt / Equity | — | -0.95 | -0.76 | -0.74 | -1.25 | -1.21 | -1.66 | -2.00 | -1.05 | -2.18 | -1.72 |
| Net Debt / EBITDA | -4.75 | -4.75 | -3.16 | -0.61 | -3.34 | -3.20 | -4.17 | -14.27 | -8.42 | -13.23 | -4.01 |
| Debt / FCF | — | — | -4.20 | -2.89 | -3.64 | — | -7.78 | -4.33 | -6.15 | -4.05 | -1.89 |
| Interest Coverage | 0.25 | 0.25 | 0.20 | 0.19 | 0.15 | 0.44 | 0.37 | 0.11 | 0.22 | 0.59 | 0.82 |
Net cash position: cash ($2.82T) exceeds total debt ($349.0B)
BBAR Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.67x is below 1.0, meaning current liabilities exceed current assets — though the company's $2.8T cash position helps mitigate short-term liquidity concerns. The current ratio has declined from 22526.85x to 0.67x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.67 | 0.67 | 0.62 | 22526.85 | 0.58 | 0.62 | 0.72 | 0.57 | 0.43 | 0.57 | 0.49 |
| Quick Ratio | 0.67 | 0.67 | 0.62 | 22526.85 | 0.58 | 0.62 | 0.72 | 0.57 | 0.43 | 0.57 | 0.49 |
| Cash Ratio | 0.28 | 0.28 | 0.31 | 7254.64 | 0.31 | 0.32 | 0.53 | 0.38 | 0.25 | 0.42 | 0.36 |
| Asset Turnover | — | 0.35 | 0.57 | 2.35 | 0.73 | 0.39 | 0.44 | 0.25 | 0.23 | 0.10 | 0.19 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
BBAR Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Banco BBVA Argentina S.A. returns 2.1% to shareholders annually primarily through dividends. The payout ratio of 25.1% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 8.1% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.1% | 100.0% | 25.1% | 100.0% | — | — | 100.0% | 42.0% | 46.4% | 46.9% | — |
| Payout Ratio | 25.1% | 25.1% | 0.1% | 2.0% | — | — | 15.3% | — | 76.4% | 40.2% | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.1% | 9074.3% | 32250.0% | 22993.8% | 2845.7% | 4507.5% | 2725.9% | — | 80.4% | 116.9% | 110.8% |
| FCF Yield | — | — | 50320.2% | 11809.6% | 16891.3% | — | 2158.2% | 1398.3% | 174.9% | 663.4% | 374.2% |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 54.3% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 2.1% | 100.0% | 25.1% | 100.0% | 0.0% | 0.0% | 100.0% | 96.2% | 46.4% | 46.9% | 0.0% |
| Shares Outstanding | — | $204M | $204M | $204M | $204M | $204M | $204M | $204M | $192M | $179M | $179M |
Peer Comparison
Compare BBAR with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 BBARYou | $3B | 12.3 | 3.6 | — | 65.9% | 8.5% | 12.7% | 10.7% | 0.7 |
 BMA | $5B | 20.4 | 8.5 | 8.2 | 68.3% | 5.6% | 7.7% | 5.5% | 0.9 |
 GGAL | $6B | 5.1 | 2.6 | — | 62.7% | 20.8% | 40.2% | 31.0% | 0.9 |
 SUPV | $751M | -18.2 | — | — | 39.5% | -4.8% | -6.3% | -5.7% | — |
 CEPU | $2B | 61.4 | 11.0 | 9999.0 | 39.5% | 26.7% | 2.7% | 6.2% | 1.2 |
 LOMA | $1B | 66.3 | 10.7 | — | 21.8% | 9.6% | 3.0% | 6.2% | 1.5 |
 ITUB | $90B | 10.3 | 20.6 | 3.5 | 34.5% | 13.1% | 20.6% | 3.2% | 17.6 |
 BBD | $40B | 8.5 | — | — | 34.6% | -1.1% | 13.3% | -0.3% | — |
 BSAC | $14B | 0.0 | 17.0 | 20.6 | 48.8% | 26.7% | 18.4% | 4.5% | 11.5 |
 BAP | $26B | 16.1 | 9.2 | 6.6 | 64.2% | 29.0% | 16.2% | 8.2% | 4.4 |
 BBVA | $123B | 11.0 | 5.2 | 7.4 | 83.6% | 43.9% | 17.3% | 7.0% | 4.6 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonBBAR — Frequently Asked Questions
Quick answers to the most common questions about buying BBAR stock.
What is Banco BBVA Argentina S.A.'s P/E ratio?
Banco BBVA Argentina S.A.'s current P/E ratio is 12.3x. The historical average is 6.9x. This places it at the 74th percentile of its historical range.
What is Banco BBVA Argentina S.A.'s EV/EBITDA?
Banco BBVA Argentina S.A.'s current EV/EBITDA is 3.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 10.6x.
What is Banco BBVA Argentina S.A.'s ROE?
Banco BBVA Argentina S.A.'s return on equity (ROE) is 12.7%. The historical average is 18.6%.
Is BBAR stock overvalued?
Based on historical data, Banco BBVA Argentina S.A. is trading at a P/E of 12.3x. This is at the 74th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Banco BBVA Argentina S.A.'s dividend yield?
Banco BBVA Argentina S.A.'s current dividend yield is 2.08% with a payout ratio of 25.1%.
What are Banco BBVA Argentina S.A.'s profit margins?
Banco BBVA Argentina S.A. has 65.9% gross margin and 8.5% operating margin.
How much debt does Banco BBVA Argentina S.A. have?
Banco BBVA Argentina S.A.'s Debt/EBITDA ratio is 0.7x, indicating low leverage. A ratio below 2x is generally considered financially healthy.