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Banco BBVA Argentina
(NYSE:BBAR)
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Rating:63Neutral
Price Target:
$18.00
▼(-4.56% Downside)
Action:Reiterated
Date:06/26/26
BBAR’s score is driven primarily by stable-to-okay financial performance—strong recent revenue growth and reasonable leverage offset by modest profitability and volatile cash-flow history. Technicals are supportive with an uptrend and positive MACD, while valuation is a headwind due to a higher P/E and only modest dividend yield.
Positive Factors
Top-line Growth
Sustained TTM revenue growth (~+13.6%) indicates durable demand for BBVA Argentina’s core lending, card and fee businesses. Over 2-6 months this supports scale economics, funding of reserves and incremental investment in digital channels, underpinning medium-term franchise expansion.
Negative Factors
Modest Profitability
Low net and operating margins limit internal earnings generation and reinvestment capacity. With ROE only around mid-single digits and trending down, the bank may face constrained ability to absorb shocks, fund strategic initiatives or materially lift shareholder returns in the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Top-line Growth
Sustained TTM revenue growth (~+13.6%) indicates durable demand for BBVA Argentina’s core lending, card and fee businesses. Over 2-6 months this supports scale economics, funding of reserves and incremental investment in digital channels, underpinning medium-term franchise expansion.
Read all positive factors
Banco BBVA Argentina (BBAR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$3.46B
Dividend Yield2.6%
Average Volume (3M)582.37K
Price to Earnings (P/E)23.3
Beta (1Y)0.95
Revenue Growth-0.28%
EPS Growth-56.93%
CountryUS
Employees6,555
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1422.33
Shares Outstanding204,236,700
10 Day Avg. Volume485,485
30 Day Avg. Volume582,370
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$16.50Price Target Upside-12.51% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering2
EPS Forecast (FY)1.4
Revenue Forecast (FY)$2.93B
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
Banco BBVA Argentina primarily generates revenue through a mix of net interest income and fee-based income typical of a universal/commercial bank. (1) Net interest income: The bank earns interest on loans and other interest-earning assets (e.g., c...
Banco BBVA Argentina Earnings Call Summary
Earnings Call Date:May 26, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Aug 27, 2026
Earnings Call Sentiment Positive
The call presented a mix of strong financial and balance-sheet metrics—including a significant QoQ rise in inflation-adjusted net income (+31.2%), expanding NII and NIM, market share gains, robust capital (18.8%) and liquidity (45.5%)—while acknowledging headwinds: rising NPLs (5.60%), a decline in coverage to 88.41%, seasonal local-currency loan contraction (-6.5% QoQ) and a lowered loan growth outlook (15–20% vs prior 25–30%). Management expressed cautious optimism about stabilization and gradual credit recovery, expecting efficiency and profitability to improve through the year. Overall, positive operational momentum and strong capital/liquidity positions outweigh near-term asset-quality and growth challenges.Positive Updates
Strong Inflation-Adjusted Net Income
Inflation-adjusted net income of ARS 85.2 billion for Q1 2026, a 31.2% quarter-over-quarter increase, lifting quarterly ROE to 8.3%.
Negative Updates
Rise in Nonperforming Loans
Nonperforming loan (NPL) ratio increased to 5.60% in Q1 2026, driven primarily by retail card and consumer portfolios (commercial delinquency remained low at 0.50%).
Read all updates
Q1-2026 Updates
Positive
Negative
Strong Inflation-Adjusted Net Income
Inflation-adjusted net income of ARS 85.2 billion for Q1 2026, a 31.2% quarter-over-quarter increase, lifting quarterly ROE to 8.3%.
Read all positive updates
Company Guidance
Management reiterated 2026 ROE guidance of low‑to‑mid teens (closer to the low end) while lowering real loan growth guidance from 25–30% to about 15–20% (expecting Q2 pickup and stronger H2); they expect peso loans and deposits to grow ~10–15% (real) and dollar deposits and loans to expand ~30% and ~40%, respectively. Q1 highlights underpinning the guidance included inflation‑adjusted net income of ARS 85.2bn (+31.2% QoQ) and ROE 8.3%, net interest income ARS 879.9bn (+5.9% QoQ), total NIM 18.6% (nominal +~100bps QoQ; real ~+15bps QoQ) with real NIMs expected to be broadly stable (possible modest H2 pressure of up to 50–100bps), Q1 efficiency ratio 51.4% (management targets full‑year <50%, ~48–49%), total loans ARS 15.7tn, deposits ARS 17.5tn, market share 12.15% (+95bps YoY), NPLs 5.60% (commercial delinquency 0.50%), cost of risk down to 6.14% (from 8.11%), coverage 88.41% (expected to recover toward ≥100%), liquidity ratio 45.5%, regulatory capital ratio 18.8% (128.7% above minimum), and an approved dividend of ARS 69bn; macro assumptions include GDP ~3%, TAMAR tracking inflation, and real rates returning to neutral.Banco BBVA Argentina Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
67
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 6.19T | 5.63T | 5.20T | 7.55T | 4.61T | 1.46T |
| Gross Profit | 3.32T | 3.09T | 3.42T | 4.16T | 2.65T | 904.85B |
| EBITDA | 616.82B | 630.92B | 520.69B | 743.02B | 445.57B | 118.65B |
| Net Income | 302.15B | 315.14B | 360.41B | 341.58B | 399.02B | 57.01B |
Balance Sheet | ||||||
| Total Assets | 25.71T | 25.41T | 14.72T | 13.31T | 1.96T | 2.01T |
| Cash, Cash Equivalents and Short-Term Investments | 7.57T | 6.65T | 5.16T | 3.93T | 913.64B | 750.64B |
| Total Debt | 735.47B | 1.96T | 349.00B | 140.25B | 75.06B | 29.49B |
| Total Liabilities | 21.69T | 21.87T | 12.10T | 10.22T | 1.59T | 1.69T |
| Stockholders Equity | 3.90T | 3.43T | 2.57T | 3.04T | 360.48B | 311.27B |
Cash Flow | ||||||
| Free Cash Flow | 622.65B | 1.63T | -5.34T | 559.08B | 94.07B | 108.67B |
| Operating Cash Flow | 860.92B | 1.88T | -5.17T | 601.23B | 110.48B | 116.71B |
| Investing Cash Flow | -1.76T | -11.05T | -162.40B | -93.63B | -184.13B | -11.00B |
| Financing Cash Flow | 2.36T | 11.15T | 124.39B | -57.61B | -57.70B | -34.36B |
Banco BBVA Argentina Technical Analysis
Negative
18.86
Price Trends
19.05
Negative
17.22
Negative
16.78
Negative
Market Momentum
-0.79
Positive
33.03
Neutral
6.34
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 18.86 is above the 20-day moving average (MA) of 18.38, below the 50-day MA of 19.05, and above the 200-day MA of 16.78, indicating a bearish trend. The MACD of -0.79 indicates Positive momentum. The RSI at 33.03 is Neutral, neither overbought nor oversold. The STOCH value of 6.34 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | $3.58B | 11.97 | 10.07% | 2.96% | 11.65% | 13.28% | |
72 Outperform | $3.43B | 15.24 | 11.34% | 2.80% | 7.22% | 17.31% | |
70 Outperform | $3.44B | 21.64 | 5.61% | 2.24% | 23.80% | -3.35% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $3.46B | 23.32 | 6.79% | 1.84% | -0.28% | -56.93% | |
60 Neutral | $5.38B | 22.14 | 7.28% | 5.47% | 6.98% | 6551.65% | |
50 Neutral | $780.77M | -24.03 | -4.99% | ― | -3.01% | -184.78% |
* Financial Sector Average
BBAR
Banco BBVA Argentina
16.02
0.57
3.72%
BMA
Banco Macro SA
80.43
15.63
24.13%
CBU
Community Bank System
65.67
10.98
20.07%
FFBC
First Financial Bancorp
34.34
10.57
44.46%
SBCF
Seacoast Banking Of Florida
35.93
7.83
27.87%
SUPV
Grupo Supervielle SA
8.43
-1.25
-12.91%
Banco BBVA Argentina Corporate Events
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...
BBVA Argentina Announces Second Dividend Installment for 2026
Jun 18, 2026
Banco BBVA Argentina S.A. announced that, in line with resolutions passed at its General Ordinary and Extraordinary Shareholders’ Meeting on April 28, 2026, and subsequent approvals from the Argentine Central Bank and the board in May, it wi...
Banco BBVA Argentina Posts Higher 1Q26 Net Income and Gains Market Share Amid Weak Activity
May 26, 2026
Banco BBVA Argentina reported inflation-adjusted consolidated net income of AR$85.2 billion for the first quarter of 2026, covering the period ended March 31, 2026, with results released on May 26, 2026. The quarter showed higher net interest inco...
Banco BBVA Argentina Posts Strong First-Quarter 2026 Earnings and Solid Capital Base
May 26, 2026
On May 26, 2026, Banco BBVA Argentina reported its financial results for the quarter ended March 31, 2026, showing strong profitability with net income of ARS 85.22 billion and total comprehensive income of ARS 145.14 billion. The bank’s tot...
Banco BBVA Argentina Announces Large Three-Stage Cash Dividend for 2026
May 26, 2026
Banco BBVA Argentina S.A. has approved a sizeable cash dividend distribution totaling AR$69,011,025,123 for 2026, following shareholder approval on April 28, 2026, and authorization from the Argentine Central Bank on May 15, 2026. The bank will pa...
Banco BBVA Argentina Wins Central Bank Approval for ARS 69 Billion Profit Distribution
May 15, 2026
On May 15, 2026, Banco BBVA Argentina S.A. reported that the Central Bank of the Argentine Republic’s Superintendence of Exchange Institutions authorized the bank to distribute profits totaling ARS 69,011,025,123 in cash and/or in kind. The ...
Banco BBVA Argentina Files 2025 Audited Results, Showing Strong Balance-Sheet Growth
May 14, 2026
On May 14, 2026, Banco BBVA Argentina filed its Form 6-K in the United States, furnishing audited consolidated and separate financial statements for the fiscal year ended December 31, 2025, together with reports from its independent auditor and su...
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.