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Banco BBVA Argentina
(NYSE:BBAR)
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Rating:66Neutral
Price Target:
$14.50
▼(-2.82% Downside)
Action:Reiterated
Date:09/07/26
The score is supported primarily by solid financial performance (strong TTM cash generation and manageable leverage) and a constructive, guidance-backed earnings outlook despite credit and margin headwinds. These positives are tempered by weak technicals (below major moving averages with negative MACD) and only mid-range valuation support.
Positive Factors
Strong cash generation
Strong operating and free cash flow indicate that reported earnings are converting into usable liquidity, supporting loan growth, capital needs, and shareholder distributions. The improved conversion is a durable strength, although its sustainability will depend on maintaining consistency across future credit and macroeconomic cycles.
Negative Factors
Elevated asset-quality pressure
High non-performing loans and elevated credit costs can reduce earnings through larger provisions and constrain the bank’s willingness to expand riskier lending. If delinquencies remain elevated, capital and profitability could face continuing pressure despite management’s stabilization targets.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong cash generation
Strong operating and free cash flow indicate that reported earnings are converting into usable liquidity, supporting loan growth, capital needs, and shareholder distributions. The improved conversion is a durable strength, although its sustainability will depend on maintaining consistency across future credit and macroeconomic cycles.
Read all positive factors
Banco BBVA Argentina (BBAR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$2.96B
Dividend Yield3.46%
Average Volume (3M)622.70K
Price to Earnings (P/E)14.5
Beta (1Y)1.07
Revenue Growth5.91%
EPS Growth-32.85%
CountryUS
Employees6,493
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1809.57
Shares Outstanding204,236,700
10 Day Avg. Volume648,806
30 Day Avg. Volume622,699
Financial Highlights & Ratios
PEG Ratio-1.58
Price to Book (P/B)1.56
Price to Sales (P/S)0.95
P/FCF Ratio3.28
Enterprise Value/Market Cap1.13
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$20.00Price Target Upside34.05% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)1.83
Revenue Forecast (FY)$3.18B
Banco BBVA Argentina Business Overview & Revenue Model
Company Description
Banco BBVA Argentina S.A. operates as a financial services provider in Argentina, extending a comprehensive suite of banking products and solutions to both individual and corporate clients. Its retail division offers individual customers a variety...
How the Company Makes Money
BBVA Argentina primarily makes money through (1) net interest income and (2) fee and commission income, with additional contributions from market-related results and other operating income.
1) Net interest income (interest margin): The bank earns...
Banco BBVA Argentina Earnings Call Summary
Earnings Call Date:Aug 27, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Nov 24, 2026
Earnings Call Sentiment Positive
The call conveyed a constructive and improving picture: strong sequential profitability (net income +44.6% QoQ, ROE up to 12.2%), solid capital and liquidity, healthy fee growth (+35% YoY), and early signs of asset-quality stabilization. At the same time, meaningful challenges remain—elevated NPLs (6.09%), a high cost of risk (7.13% quarterly) and expected margin compression as inflation and rates decline. Management provided concrete guidance (real loan growth ~10% for 2026, end-year NPL ~5.5%, full-year cost of risk ~6.5%, efficiency <45%, real ROE in the low teens) and emphasized a prudent, disciplined growth posture. Overall, the positive operational results, robust balance sheet metrics, and forward-looking guidance outweigh the near-term credit and margin headwinds.Positive Updates
Strong Profitability and Quarterly Earnings
Inflation-adjusted net income of ARS 131.6 billion in Q2 2026, a 44.6% increase quarter-over-quarter; quarterly ROE improved to 12.2% (from 8.3% in Q1), demonstrating meaningful sequential profitability recovery.
Negative Updates
Elevated NPLs and Rising Delinquencies
BBVA's NPL ratio stood at 6.09%, up 49 basis points during the quarter; the financial system NPL ratio rose to 7.22% (+54 basis points since March), indicating asset quality challenges remain elevated.
Read all updates
Q2-2026 Updates
Positive
Negative
Strong Profitability and Quarterly Earnings
Inflation-adjusted net income of ARS 131.6 billion in Q2 2026, a 44.6% increase quarter-over-quarter; quarterly ROE improved to 12.2% (from 8.3% in Q1), demonstrating meaningful sequential profitability recovery.
Read all positive updates
Company Guidance
BBVA Argentina guided to a constructive second half of 2026 with key numerical targets: year‑end inflation around 29% (monthly inflation moving toward 1.5–2%), real loan‑book growth of about 10% for 2026, full‑year cost of risk ~6.5% (Q2 was 7.13% with improvement expected in Q3 and stronger in Q4), NPLs to stabilize and end 2026 around 5.5% (Q2 NPL 6.09%, system 7.22%), coverage ratio bottoming at ~80% and then rebuilt, an efficiency ratio below 45% for the year (Q2 efficiency 45%), a real ROE in the low‑teens (Q2 ROE 12.2%), comfortable liquidity (liquidity ratio 45.5%) and strong capital (regulatory ratio 18.8%, ~128.7% excess), while expecting some nominal NIM pressure (nominal NIM down ~200 bps by year‑end, real NIM down ~100–125 bps) partly offset by lower inflation and continued fee growth (net fees ~+35% YoY); management also noted Q2 inflation‑adjusted net income of ARS 131.6bn (+44.6% q/q), ARS 17.1tn private sector loans, ARS 19.2tn deposits, 12% loan market share (up 15 bps YoY) and deposit growth capacity of roughly 5–10% depending on asset demand.Banco BBVA Argentina Financial Statement Overview
Summary
Income Statement
67
Positive
Balance Sheet
74
Positive
Cash Flow
78
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 6.61T | 5.63T | 5.20T | 7.55T | 4.61T | 1.46T |
| Gross Profit | 3.45T | 3.09T | 3.42T | 4.16T | 2.65T | 904.85B |
| EBITDA | 695.83B | 630.92B | 520.69B | 743.02B | 445.57B | 118.65B |
| Net Income | 381.04B | 315.14B | 360.41B | 341.58B | 399.02B | 57.01B |
Balance Sheet | ||||||
| Total Assets | 28.37T | 25.41T | 14.72T | 13.31T | 1.96T | 2.01T |
| Cash, Cash Equivalents and Short-Term Investments | 2.63T | 6.65T | 5.16T | 3.93T | 913.64B | 750.64B |
| Total Debt | 1.49T | 1.96T | 349.00B | 140.25B | 75.06B | 29.49B |
| Total Liabilities | 24.01T | 21.87T | 12.10T | 10.22T | 1.59T | 1.69T |
| Stockholders Equity | 4.19T | 3.43T | 2.57T | 3.04T | 360.48B | 311.27B |
Cash Flow | ||||||
| Free Cash Flow | 3.29T | 1.63T | -5.34T | 559.08B | 94.07B | 108.67B |
| Operating Cash Flow | 3.53T | 1.88T | -5.17T | 601.23B | 110.48B | 116.71B |
| Investing Cash Flow | -4.50T | -11.05T | -162.40B | -93.63B | -184.13B | -11.00B |
| Financing Cash Flow | 1.72T | 11.15T | 124.39B | -57.61B | -57.70B | -34.36B |
Banco BBVA Argentina Technical Analysis
Negative
14.92
Price Trends
15.07
Negative
16.90
Negative
16.52
Negative
Market Momentum
-0.66
Negative
38.77
Neutral
63.91
Neutral
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 14.92 is above the 20-day moving average (MA) of 13.72, below the 50-day MA of 15.07, and below the 200-day MA of 16.52, indicating a bearish trend. The MACD of -0.66 indicates Negative momentum. The RSI at 38.77 is Neutral, neither overbought nor oversold. The STOCH value of 63.91 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
81 Outperform | $2.15B | 10.05 | 15.92% | 2.68% | 4.56% | 19.51% | |
80 Outperform | $4.10B | 11.07 | 19.03% | 2.95% | 2.45% | 26.38% | |
69 Neutral | $1.95B | 8.95 | 13.78% | 4.95% | 0.47% | 1.51% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $2.96B | 14.54 | 8.15% | 3.46% | 5.91% | -32.85% | |
64 Neutral | $5.02B | 15.97 | 7.73% | 7.40% | 4.03% | -24.70% | |
42 Neutral | $703.61M | -20.47 | -4.77% | 2.26% | -4.66% | -184.78% |
* Financial Sector Average
BBAR
Banco BBVA Argentina
12.97
4.85
59.71%
BLX
Banco Latinoamericano De Comercio
54.24
11.54
27.01%
BMA
Banco Macro SA
65.91
24.18
57.95%
FBP
First Bancorp Puerto Rico
26.45
5.59
26.80%
OFG
OFG Bancorp
50.46
9.08
21.95%
SUPV
Grupo Supervielle SA
7.14
2.16
43.37%
Banco BBVA Argentina Corporate Events
Banco BBVA Argentina Files June 2026 Interim Financials on Form 6‑K
Oct 2, 2026
Banco BBVA Argentina has filed a Form 6‑K with the U.S. Securities and Exchange Commission for October 2026, furnishing its condensed interim financial statements for the six‑month period ended June 30, 2026. The report, signed on Octo...
BBVA Argentina Posts Strong Profit and Efficiency Gains in Second Quarter 2026
Aug 27, 2026
Banco BBVA Argentina reported inflation‑adjusted consolidated results for the second quarter ended June 30, 2026, showing a sharp improvement in profitability driven by lower funding costs, higher fee income and tighter cost control. Net inc...
Banco BBVA Argentina Files June 30, 2026 Financials and Confirms Majority Ownership Structure
Aug 27, 2026
Banco BBVA Argentina S.A. reported that its financial statements for the period ended June 30, 2026 were approved by its Board of Directors on August 27, 2026, and submitted to Argentine market regulators in compliance with local listing and secur...
Banco BBVA Argentina Files First-Quarter 2026 Interim Financial Statements
Aug 10, 2026
Banco BBVA Argentina S.A. reported its condensed interim consolidated and separate financial statements for the three‑month period ended March 31, 2026, filed with the U.S. Securities and Exchange Commission on August 10, 2026. The results, ...
Banco BBVA Argentina Secures BCRA Approval for New Director Appointment
Aug 6, 2026
On August 6, 2026, Banco BBVA Argentina S.A. announced that the Central Bank of the Argentine Republic (BCRA) issued Resolution No. 148, raising no objections to the appointment of María Soledad Duro Ruiz as a member of the bank’s board...
Banco BBVA Argentina Sets August Date for Final 2026 Dividend Installment
Jul 23, 2026
On July 23, 2026, Banco BBVA Argentina announced it would pay the third and final installment of its 2026 cash dividend, totaling ARS 23,003,675,041, as previously approved at the shareholders’ meeting on April 28, 2026 and authorized by the...
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.