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Earnings transcript
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BBAR
Banco BBVA Argentina S.A.
$18.14
0.9
(5.22%)
| Exchange: | NYSE |
| Market Cap: | 3.705B |
| Shares Outstanding: | 165.595M |
Delayed data
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. 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 of services, including current and savings accounts, time deposits, credit cards, personal and secured loans, home mortgages, insurance, and investment products. For small and medium-sized companies, the bank provides financing options, factoring, checking accounts, term deposits, transactional and payroll services, insurance, and investment opportunities. Additionally, the institution delivers corporate and investment banking expertise to large corporations and multinational firms operating in Argentina, encompassing global transaction management, capital markets solutions (such as risk management and securities brokerage), long-term financing (including project finance and syndicated loans), and corporate finance advisory services like mergers and acquisitions and capital markets guidance. As of December 31, 2021, its operational network comprised 243 traditional branches, 15 in-company branches, 7 point-of-sale outlets, 2 express support locations, 884 automated teller machines (ATMs), and 854 self-service terminals, alongside its digital mobile and internet banking platforms. Founded in 1886 and headquartered in Buenos Aires, Argentina, the company was formerly known as BBVA Banco Francés S.A. before rebranding to Banco BBVA Argentina S.A. in July 2019.
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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 | 5,633,014,232 |
| Gross Profit | 4,163,069,468 | 3,424,593,659 | 3,087,346,567 |
| EBITDA | 743,020,322 | 520,692,062 | 630,921,525 |
| Operating Income | 682,307,668 | 441,080,385 | 519,818,469 |
| Net Income | 341,579,597 | 360,405,364 | 315,143,929 |
(* 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) | 9,906,726,078.711 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 12,623,212,923.015 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 11,311,893,287.016 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 967,404,302.121 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 1,232,672,670.192 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 1,104,620,653.084 | 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) | 1,880,907,948.799 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 2,396,664,784.879 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 2,147,695,397.094 | 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) | 2 | 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.
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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
5.22
Trading Metrics:
| Open: | 17.43 | Previous Close: | 17.24 | |
| Day Low: | 17.35 | Day High: | 18.59 | |
| Year Low: | 7.76 | Year High: | 21.38 | |
| Price Avg 50: | 15.78 | Price Avg 200: | 14.85 | |
| Volume: | 748197 | Average Volume: | 698028 |
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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…
