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Banco PINE S.A. (BR:PINE3)
:PINE3
Brazil Market
PINE3
Banco PINE S.A.
RESEARCH TOOLSreports

Banco PINE S.A. (PINE3) Ratios

― Followers

Banco PINE S.A. Ratios

BR:PINE3's free cash flow for Q2 2026 was R$1.31. For the 2026 fiscal year, BR:PINE3's free cash flow was decreased by R$ and operating cash flow was R$0.69. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.10 0.11 0.06 0.33 0.19
Quick Ratio
 0.10 0.11 0.06 0.33 0.19
Cash Ratio
 0.10 <0.01 0.01 0.05 0.06
Solvency Ratio
 0.02 0.02 0.01 <0.01 <0.01
Operating Cash Flow Ratio
 -0.14 0.16 0.13 -0.02 -0.02
Short-Term Operating Cash Flow Coverage
 -0.14 0.00 0.00 0.00 0.00
Net Current Asset Value
R$ -33.12BR$ -28.16BR$ -25.52BR$ -16.75BR$ -13.89B
Leverage Ratios
Debt-to-Assets Ratio
 0.36 0.03 0.20 0.21 0.26
Debt-to-Equity Ratio
 7.24 0.58 4.60 4.46 4.79
Debt-to-Capital Ratio
 0.88 0.37 0.82 0.82 0.83
Long-Term Debt-to-Capital Ratio
 0.71 0.37 0.82 0.82 0.83
Financial Leverage Ratio
 19.88 22.37 22.55 21.22 18.77
Debt Service Coverage Ratio
 0.05 0.15 0.16 0.13 0.06
Interest Coverage Ratio
 0.20 0.20 0.18 0.17 0.08
Debt to Market Cap
 4.72 0.28 5.35 4.61 2.34
Interest Debt Per Share
 66.67 18.95 33.06 33.77 28.85
Net Debt to EBITDA
 14.23 1.03 15.39 12.79 38.42
Profitability Margins
Gross Profit Margin
32.81%24.55%28.80%25.56%18.94%
EBIT Margin
17.01%12.80%12.69%12.64%6.25%
EBITDA Margin
17.27%13.09%12.94%12.73%6.39%
Operating Profit Margin
15.86%13.31%12.69%12.64%6.25%
Pretax Profit Margin
15.49%12.80%12.69%12.64%6.25%
Net Profit Margin
11.39%8.32%9.45%7.57%2.73%
Continuous Operations Profit Margin
11.44%8.34%9.45%7.57%2.73%
Net Income Per EBT
73.50%65.01%74.52%59.87%43.64%
EBT Per EBIT
97.72%96.17%100.00%100.00%100.00%
Return on Assets (ROA)
1.57%1.41%0.93%0.87%0.25%
Return on Equity (ROE)
36.38%31.56%21.04%18.37%4.71%
Return on Capital Employed (ROCE)
2.88%4.79%2.75%2.67%1.14%
Return on Invested Capital (ROIC)
1.62%3.79%2.40%2.00%0.79%
Return on Tangible Assets
1.57%1.41%0.93%0.87%0.25%
Earnings Yield
20.61%15.39%24.44%18.99%2.30%
Efficiency Ratios
Receivables Turnover
 4.13 4.37 4.40 3.42 1.68
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
 88.46 89.38 61.61 274.45 68.29
Asset Turnover
 0.14 0.17 0.10 0.11 0.09
Working Capital Turnover Ratio
 -0.70 -0.37 -0.27 -0.37 -0.26
Cash Conversion Cycle
 88.39 83.57 82.95 106.73 216.74
Days of Sales Outstanding
 88.39 83.57 82.95 106.73 216.74
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
 88.39 83.57 82.95 106.73 216.74
Cash Flow Ratios
Operating Cash Flow Per Share
 -4.66 11.40 8.84 -1.22 -0.69
Free Cash Flow Per Share
 -4.70 11.33 8.63 -1.23 -0.69
CapEx Per Share
 0.04 0.07 0.21 0.01 <0.01
Free Cash Flow to Operating Cash Flow
 1.01 0.99 0.98 1.01 1.01
Dividend Paid and CapEx Coverage Ratio
 -7.13 19.00 10.86 -7.06 -83.37
Capital Expenditure Coverage Ratio
 -124.24 169.76 42.06 -110.83 -83.37
Operating Cash Flow Coverage Ratio
 -0.09 3.28 0.36 -0.05 -0.03
Operating Cash Flow to Sales Ratio
 -0.24 0.50 0.74 -0.09 -0.09
Free Cash Flow Yield
-43.36%91.40%187.66%-23.57%-7.27%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 4.65 6.49 4.11 5.27 43.44
Price-to-Sales (P/S) Ratio
 0.56 0.54 0.39 0.40 1.19
Price-to-Book (P/B) Ratio
 1.52 2.05 0.86 0.97 2.04
Price-to-Free Cash Flow (P/FCF) Ratio
 -2.31 1.09 0.53 -4.24 -13.75
Price-to-Operating Cash Flow Ratio
 -2.30 1.09 0.52 -4.28 -13.91
Price-to-Earnings Growth (PEG) Ratio
 0.05 0.09 0.31 0.02 0.03
Price-to-Fair Value
 1.52 2.05 0.86 0.97 2.04
Enterprise Value Multiple
 17.46 5.16 18.38 15.92 56.95
Enterprise Value
 14.90B 3.60B 6.50B 4.84B 5.46B
EV to EBITDA
 17.46 5.16 18.38 15.92 56.95
EV to Sales
 3.01 0.68 2.38 2.03 3.64
EV to Free Cash Flow
 -12.46 1.37 3.28 -21.57 -42.23
EV to Operating Cash Flow
 -12.56 1.36 3.20 -21.76 -42.74
Tangible Book Value Per Share
 7.00 5.95 5.24 5.28 4.65
Shareholders’ Equity Per Share
 7.08 6.05 5.34 5.38 4.66
Tax and Other Ratios
Effective Tax Rate
 0.27 0.21 0.13 0.25 0.30
Revenue Per Share
 19.44 22.94 11.89 13.07 8.04
Net Income Per Share
 2.21 1.91 1.12 0.99 0.22
Tax Burden
 0.73 0.65 0.75 0.60 0.44
Interest Burden
 0.91 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
 0.09 0.03 0.06 0.05 0.04
Stock-Based Compensation to Revenue
 >-0.01 0.00 <0.01 <0.01 0.00
Income Quality
 -2.11 5.97 7.87 -1.23 -3.12
Currency in BRL