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Banco BBVA Argentina (BBAR)
NYSE:BBAR
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Banco BBVA Argentina
(NYSE:BBAR)
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Rating:68Neutral
Price Target:
$10.00
â–²(19.47% Upside)
Banco BBVA Argentina's overall stock score reflects strong financial performance and attractive valuation, offset by bearish technical indicators and mixed earnings call results. The financial stability and growth potential are positive, but technical analysis suggests caution due to bearish momentum. The high dividend yield is appealing but may indicate underlying risks.
Banco BBVA Argentina (BBAR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.81B
Dividend Yield0.67%
Average Volume (3M)1.37M
Price to Earnings (P/E)5.5
Beta (1Y)0.65
Revenue Growth-47.41%
EPS Growth-18.95%
CountryUS
Employees6,289
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.21
Shares Outstanding204,236,700
10 Day Avg. Volume1,775,777
30 Day Avg. Volume1,366,459
Financial Highlights & Ratios
PEG Ratio-7.86
Price to Book (P/B)1.55
Price to Sales (P/S)0.77
P/FCF Ratio-0.75
Enterprise Value/Market Cap1.15
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$17.00Price Target Upside103.11% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
Banco BBVA Argentina Business Overview & Revenue Model
Company DescriptionBanco 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.
How the Company Makes MoneyBanco BBVA Argentina generates revenue through multiple key streams, primarily from interest income and fees. The bank earns interest income by lending to customers, including personal loans, mortgages, and business financing, with interest rates that vary based on market conditions and borrower credit risk. Fee income is derived from various banking services, such as account maintenance fees, transaction fees, and charges for financial advisory services. Additionally, BBVA Argentina benefits from its investment portfolio, which includes government and corporate bonds, contributing to its overall earnings. Strategic partnerships with fintech companies and digital platforms also enhance its revenue potential by expanding its customer base and introducing innovative financial products.
Banco BBVA Argentina Earnings Call Summary
Earnings Call Date:Aug 20, 2025
(Q2-2025)
| % Change Since: |
Next Earnings Date:Nov 19, 2025
Earnings Call Sentiment Neutral
The earnings call presented a mixed outlook, highlighting strong macroeconomic stabilization and growth in market share and loans. However, challenges remain with decreased net income, increased loan loss allowances, and a decline in fee income.Q2-2025 Updates
Positive Updates
Macroeconomic Stabilization and GDP Growth
The macroeconomic normalization process has continued, with a projected GDP growth of 5.5% year-over-year in 2025, reversing a 1.7% drop in 2024.
Increased Market Share in Private Loans and Deposits
BBVA Argentina's market share of total private loans rose from 10.54% in June 2024 to 11.61% in June 2025. The bank's total private deposits grew 32% in the first half of 2025, surpassing the inflation rate.
Strong Loan and Deposit Growth
Private sector loans increased by 15.7% quarter-over-quarter, with notable growth in overdrafts (34.6%) and other loans (26.9%). Total deposits reached ARS 17 trillion, increasing 12% quarter-over-quarter.
Negative Updates
Decrease in Net Income and ROE
Inflation-adjusted net income decreased by 31.1% quarter-over-quarter, with a quarterly ROE of 7.6%, attributed to lower operating income and increased loan loss allowances.
Loan Loss Allowances and Nonperforming Loans
Loan loss allowances increased by 42.3%, and nonperforming loans ratio on private loans increased to 2.28% as of June 2025, reflecting a deterioration mainly in the retail portfolio.
Fee Income Decline
Net fee income decreased by 11.1% quarter-over-quarter, mainly due to a revision of provisions linked to the Millas BBVA loyalty program.
Company Guidance
During the BBVA Argentina Second Quarter 2025 Results Conference Call, the guidance provided highlighted several key metrics and projections. BBVA Argentina expects GDP growth of 5.5% year-over-year in 2025, recovering from a 1.7% decline in 2024. The bank anticipates a year-over-year inflation rate close to 28% by the end of 2025, supported by fiscal balance, tight monetary policy, and relaxed foreign exchange restrictions. BBVA Argentina's market share for total private loans rose to 11.61% in June 2025, up from 10.54% a year earlier, with its peso loan portfolio expanding by 43% year-to-date. The bank's financial results for Q2 2025 showed a net income of ARS 59.6 billion, a decrease of 31.1% quarter-over-quarter, with a quarterly ROE of 7.6% and ROA of 1.2%. Operating expenses decreased by 7.5% quarter-over-quarter to ARS 483.1 billion, and the efficiency ratio was stable at 56.5%. The bank also reported a significant growth in total deposits, reaching ARS 17 trillion, a 12% increase quarter-over-quarter, with a capital ratio of 18.4%. BBVA Argentina remains focused on credit growth, aiming for a 50% growth in real terms for 2025, while maintaining a cautious approach to risk management.Banco BBVA Argentina Financial Statement Overview
Summary
Banco BBVA Argentina demonstrates strong financial performance with impressive revenue growth and profitability. The balance sheet reflects a stable financial structure with low leverage, enhancing resilience. However, the cash flow statement highlights potential challenges in free cash flow generation, suggesting a need for careful cash management.Income Statement
Banco BBVA Argentina has shown a substantial revenue growth rate from 2023 to 2024, indicating strong expansion. The gross profit margin remains healthy as all revenues translate into gross profit. The net profit margin has also improved, reflecting enhanced profitability. Despite EBITDA data being unavailable, the EBIT margin is strong, suggesting efficient operational management. Overall, the income statement reveals robust financial performance with significant growth trajectory.85
Very Positive
Balance Sheet
The balance sheet of Banco BBVA Argentina is characterized by a strong equity ratio, indicating a solid financial foundation with a significant portion of assets financed by equity. The debt-to-equity ratio is low, reflecting conservative leverage and reduced financial risk. However, the return on equity (ROE) is moderate, suggesting room for improving shareholder returns. Overall, the balance sheet demonstrates financial stability and prudent risk management.78
Positive
Cash Flow
The cash flow statement indicates a high operating cash flow to net income ratio, suggesting that net income is well-supported by cash from operations. However, the free cash flow has experienced a significant decline, indicating potential challenges in cash generation. The bank's ability to convert net income into free cash flow is under pressure, which could impact future financial flexibility. Overall, while operational cash flows are robust, free cash flow dynamics need attention.70
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.43T | 5.20T | 7.55T | 4.61T | 1.46T | 410.90B |
| Gross Profit | 2.65T | 3.42T | 4.16T | 2.65T | 904.85B | 287.38B |
| EBITDA | 480.41B | 520.69B | 743.02B | 445.57B | 118.65B | 65.18B |
| Net Income | 323.48B | 360.41B | 341.58B | 399.02B | 57.01B | 29.55B |
Balance Sheet | ||||||
| Total Assets | 19.26T | 14.72T | 6.11T | 1.96T | 1.03T | 688.97B |
| Cash, Cash Equivalents and Short-Term Investments | 3.31T | 5.16T | 3.93T | 913.64B | 750.64B | 279.68B |
| Total Debt | 432.19B | 349.00B | 64.41B | 75.06B | 29.49B | 1.17B |
| Total Liabilities | 16.33T | 12.10T | 4.70T | 1.59T | 867.58B | 584.21B |
| Stockholders Equity | 2.88T | 2.58T | 1.40T | 360.48B | 159.41B | 102.62B |
Cash Flow | ||||||
| Free Cash Flow | -5.63T | -5.34T | 559.08B | 94.07B | 108.67B | -13.29B |
| Operating Cash Flow | -5.46T | -5.17T | 601.23B | 110.48B | 116.71B | -10.14B |
| Investing Cash Flow | -171.00B | -162.40B | -93.63B | -184.13B | -11.00B | -2.70B |
| Financing Cash Flow | 3.85T | 124.39B | -57.61B | -57.70B | -34.36B | 202.64B |
Banco BBVA Argentina Technical Analysis
Negative
8.37
Price Trends
12.33
Negative
14.96
Negative
17.36
Negative
Market Momentum
-1.06
Negative
34.14
Neutral
15.09
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BBAR, the sentiment is Negative. The current price of 8.37 is below the 20-day moving average (MA) of 8.94, below the 50-day MA of 12.33, and below the 200-day MA of 17.36, indicating a bearish trend. The MACD of -1.06 indicates Negative momentum. The RSI at 34.14 is Neutral, neither overbought nor oversold. The STOCH value of 15.09 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BBAR.
Banco BBVA Argentina Risk Analysis
Banco BBVA Argentina disclosed 44 risk factors in its most recent earnings report. Banco BBVA Argentina reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Banco BBVA Argentina Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $3.12B | 16.04 | 10.91% | 3.18% | 11.95% | 14.53% | |
77 Outperform | $2.49B | 10.44 | 9.77% | 3.73% | 4.62% | 2.69% | |
75 Outperform | $2.76B | 18.99 | 6.31% | 2.29% | 5.70% | 18.72% | |
70 Outperform | $490.17M | 6.76 | 8.59% | 3.78% | -55.30% | -64.02% | |
68 Neutral | $1.81B | 5.46 | 13.26% | 0.67% | -47.41% | -18.95% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $2.98B | 6.92 | 10.91% | 2.60% | -57.78% | -67.92% |
* Financial Sector Average
BBAR
Banco BBVA Argentina
8.37
-2.89
-25.67%
BMA
Banco Macro SA
42.53
-25.06
-37.08%
CBU
Community Bank System
58.22
3.04
5.51%
FFBC
First Financial Bancorp
25.85
2.42
10.33%
SBCF
Seacoast Banking Of Florida
31.47
6.55
26.28%
SUPV
Grupo Supervielle SA
5.05
-2.15
-29.86%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.