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Earnings transcript
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BBAR
Banco BBVA Argentina S.A.
$16.01
-0.27
(-1.66%)
| Exchange: | NYSE |
| Market Cap: | 3.27B |
| Shares Outstanding: | 165.595M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Jorge Alberto Bledel | |||||
| Full Time Employees: | 6289 | |||||
| Address: |
| |||||
| Website: | https://www.bbva.com.ar |
Banco 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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 7,548,579,530 | 5,199,521,737 | 6,667,872,064 |
| Gross Profit | 4,163,069,468 | 3,424,593,659 | 3,087,346,567 |
| EBITDA | 743,020,322 | 520,692,062 | 590,913,733 |
| Operating Income | 682,307,668 | 441,080,385 | 500,369,058 |
| Net Income | 341,579,597 | 360,405,364 | 291,252,628 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 6,110,108,505 | 14,724,998,779 | 25,399,200,947 |
| Total Liabilities | 4,695,331,809 | 12,104,066,606 | 21,856,714,071 |
| Total Stockholders Equity | 1,396,808,614 | 2,578,864,401 | 3,431,453,161 |
| Total Debt | 64,406,180 | 1,108,363,044 | 468,049,746 |
| Cash and Cash Equivalents | 1,142,679,367 | 2,065,093,328 | 3,505,821,839 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 601,229,532 | 2,589,348,863 | 1,883,175,663 |
| Capital Expenditure | -42,148,338 | -164,525,453 | -252,622,626 |
| Free Cash Flow | 559,081,194 | -5,337,363,932 | 1,630,553,037 |
| Net Income | 313,326,162 | 441,080,385 | 291,253,053 |
| Net Change in Cash | 220,304,747 | 334,964,706 | 0 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2030 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 6,816,094,283.117 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 10,779,987,460.843 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 9,216,683,072.518 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 633,723,772.013 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 1,002,265,231.698 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 856,917,601.131 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 0 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 0 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 0 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 1,249,610,824.605 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 1,976,320,816.680 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 1,689,716,493.931 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 0 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 0 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 0 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 3 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 0 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance in Recent Quarter: BBVA Argentina reported robust results in the 4Q '24 and Fiscal Year 2024 earnings call, with key financial metrics such as revenue and net income showing positive trends. This indicates operational resilience and effective management strategies, as highlighted in the earnings call summary.
- Strong Asset Quality: The company emphasized maintaining strong asset quality during the earnings call, a critical factor in the banking sector that supports long-term stability and investor confidence, despite other financial challenges.
- Positive Industry and Sector Positioning: Based on the industry and sector performance data (industry_perf1w to industry_perf5y, sector_perf1w to sector_perf5y), BBVA Argentina operates within a sector showing consistent growth trends over multiple timeframes, providing a favorable backdrop for sustained performance.
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At what price to buy it? -
Intrinsic Value Calculator
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about BBAR valuation
Is Banco BBVA Argentina S.A. (BBAR) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Banco BBVA Argentina S.A. (BBAR) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is BBAR a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether BBAR trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is BBAR’s P/E ratio?
You can see BBAR’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for BBAR?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is BBAR a good long-term investment?
Whether BBAR fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
BBAR
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
-1.66
Trading Metrics:
| Open: | 15.76 | Previous Close: | 16.28 | |
| Day Low: | 15.61 | Day High: | 16.24 | |
| Year Low: | 7.76 | Year High: | 23.1 | |
| Price Avg 50: | 16.19 | Price Avg 200: | 14.89 | |
| Volume: | 595767 | Average Volume: | 726383 |
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Login — it's freeBBAR full analysis
Welcome to MARKETSNAP’s SWOT analysis for BBVA Argentina, a key player in the financial sector that some of you might not be as familiar with compared to the big global banks. If you’re a long-term investor looking to diversify your portfolio with international exposure, this is one to watch. Let’s dive into what makes this company tick, break down its strengths, weaknesses, opportunities, and threats, and see if it’s got the potential to be a solid addition to your investment…
