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Banco do Estado de Sergipe SA - Banese (BR:BGIP3)
:BGIP3
Brazil Market
BGIP3
Banco do Estado de Sergipe SA - Banese
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Banco do Estado de Sergipe SA - Banese (BGIP3) Ratios

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Banco do Estado de Sergipe SA - Banese Ratios

BR:BGIP3's free cash flow for Q2 2026 was R$1.74. For the 2026 fiscal year, BR:BGIP3's free cash flow was decreased by R$ and operating cash flow was R$0.29. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.50 5.23 0.47 0.43 0.57
Quick Ratio
 0.50 5.23 0.47 0.43 0.57
Cash Ratio
 0.17 5.23 0.44 0.36 0.23
Solvency Ratio
 0.02 0.01 0.02 <0.01 0.01
Operating Cash Flow Ratio
 0.03 3.83 0.14 0.04 0.07
Short-Term Operating Cash Flow Coverage
 0.00 3.83 0.00 0.00 0.00
Net Current Asset Value
R$ -7.25BR$ -11.86BR$ -6.86BR$ -5.77BR$ -4.01B
Leverage Ratios
Debt-to-Assets Ratio
 0.05 0.02 0.02 0.02 0.03
Debt-to-Equity Ratio
 0.62 0.35 0.27 0.33 0.47
Debt-to-Capital Ratio
 0.38 0.26 0.21 0.25 0.32
Long-Term Debt-to-Capital Ratio
 0.38 0.15 0.21 0.25 0.32
Financial Leverage Ratio
 13.71 14.69 15.47 15.59 14.00
Debt Service Coverage Ratio
 0.17 0.13 0.34 0.02 0.18
Interest Coverage Ratio
 0.18 0.20 0.41 -0.11 0.12
Debt to Market Cap
 0.61 0.39 0.46 0.41 0.69
Interest Debt Per Share
 77.47 66.26 43.43 45.21 53.62
Net Debt to EBITDA
 -4.79 -1.99 -14.42 56.41 -15.14
Profitability Margins
Gross Profit Margin
59.90%40.81%62.23%59.40%62.63%
EBIT Margin
11.33%9.61%15.39%-4.41%4.44%
EBITDA Margin
12.70%10.36%17.13%-2.84%5.66%
Operating Profit Margin
10.45%9.61%15.39%-4.41%4.44%
Pretax Profit Margin
10.99%9.61%15.39%-4.41%4.44%
Net Profit Margin
8.50%6.91%11.14%0.21%5.19%
Continuous Operations Profit Margin
8.33%6.65%11.12%-0.67%5.53%
Net Income Per EBT
77.37%71.83%72.41%-4.69%116.84%
EBT Per EBIT
105.13%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.24%1.16%1.52%0.03%0.91%
Return on Equity (ROE)
17.88%17.09%23.48%0.53%12.68%
Return on Capital Employed (ROCE)
7.87%1.64%11.25%-3.26%3.56%
Return on Invested Capital (ROIC)
5.97%1.12%8.12%-0.50%3.56%
Return on Tangible Assets
1.25%1.17%1.53%0.03%0.91%
Earnings Yield
15.69%19.09%39.29%0.64%18.71%
Efficiency Ratios
Receivables Turnover
 5.16 0.00 6.23 6.49 1.05
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 17.97 20.50 16.70 15.92 15.82
Asset Turnover
 0.15 0.17 0.14 0.16 0.17
Working Capital Turnover Ratio
 -0.27 -0.97 -0.35 -0.44 -0.55
Cash Conversion Cycle
 70.72 0.00 58.55 56.23 346.51
Days of Sales Outstanding
 70.72 0.00 58.55 56.23 346.51
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 70.72 0.00 58.55 56.23 346.51
Cash Flow Ratios
Operating Cash Flow Per Share
 15.10 26.67 74.02 17.75 30.05
Free Cash Flow Per Share
 13.39 25.37 12.17 16.14 27.09
CapEx Per Share
 1.72 1.30 1.30 0.56 2.95
Free Cash Flow to Operating Cash Flow
 0.89 0.95 0.16 0.91 0.90
Dividend Paid and CapEx Coverage Ratio
 3.04 5.75 19.84 7.87 5.67
Capital Expenditure Coverage Ratio
 8.80 20.54 56.82 31.96 10.17
Operating Cash Flow Coverage Ratio
 0.56 1.80 6.68 1.60 1.65
Operating Cash Flow to Sales Ratio
 0.17 0.25 0.86 0.21 0.32
Free Cash Flow Yield
30.26%66.84%50.10%59.80%102.94%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 6.17 5.24 2.55 155.20 5.34
Price-to-Sales (P/S) Ratio
 0.51 0.36 0.28 0.32 0.28
Price-to-Book (P/B) Ratio
 1.10 0.90 0.60 0.81 0.68
Price-to-Free Cash Flow (P/FCF) Ratio
 3.35 1.50 2.00 1.67 0.97
Price-to-Operating Cash Flow Ratio
 3.18 1.42 0.33 1.52 0.88
Price-to-Earnings Growth (PEG) Ratio
 -1.02 -0.22 <0.01 -3.21 -0.54
Price-to-Fair Value
 1.10 0.90 0.60 0.81 0.68
Enterprise Value Multiple
 -0.75 1.50 -12.77 45.12 -10.24
Enterprise Value
 -207.71M 357.45M -3.70B -2.02B -842.18M
EV to EBITDA
 -0.81 1.50 -12.77 45.12 -10.24
EV to Sales
 -0.10 0.16 -2.19 -1.28 -0.58
EV to Free Cash Flow
 -0.67 0.64 -15.39 -6.68 -2.03
EV to Operating Cash Flow
 -0.60 0.61 -2.53 -6.08 -1.83
Tangible Book Value Per Share
 40.22 40.26 38.62 31.35 38.18
Shareholders’ Equity Per Share
 43.83 42.41 40.64 33.12 38.84
Tax and Other Ratios
Effective Tax Rate
 0.24 0.31 0.28 0.85 -0.24
Revenue Per Share
 87.43 104.95 85.64 84.06 94.87
Net Income Per Share
 7.43 7.25 9.54 0.17 4.92
Tax Burden
 0.77 0.72 0.72 -0.05 1.17
Interest Burden
 0.97 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.14 0.14 0.14 0.14 0.16
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 2.03 3.68 7.76 1.10 6.10
Currency in BRL