BBAR Banco BBVA Argentina S.A. - Fundamental Analysis
BEARISH
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BBAR Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Banks - Regional
Current Price
Live
$19.38
Analyst Target
$22.88
+18.0%
Upside
52W High
$23.58
52W Low
$7.76
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$4.46B
P/E
30.28
ROE
7.2%
Profit margin
8.5%
Debt/Equity
N/A
Dividend yield
1.0%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
85%
Analysis Accuracy
BBAR exhibits weak financial health with a Piotroski F-Score of just 2/9, indicating significant deterioration in fundamental performance. Despite strong long-term price appreciation, the stock trades at a premium valuation (P/E 30.28 vs sector avg 21.03) while facing sharp declines in revenue (-17.70% YoY) and earnings (-75.5% YoY). Earnings quality is poor, with 3 of the last 4 quarters missing estimates by an average of -45.13%, and key metrics like ROE (7.19%) and ROA (1.11%) remain below industry benchmarks. The lack of Altman Z-Score data raises transparency concerns, but the deterministic scorecard and deteriorating trends support a bearish outlook.
Key Strengths
Strong 5-year price performance (+853%) suggests prior investor confidence and macro tailwinds
Low analyst short interest with 4 analysts covering, indicating stable institutional attention
Dividend payout ratio is low (8.32%), providing cushion for potential yield maintenance
Current price ($19.38) is below analyst target ($22.88), implying upside potential if fundamentals stabilize
Recent 6M and 1M price gains (+22.0%, +6.0%) show short-term momentum
Key Risks
Critically low Piotroski F-Score of 2/9 signals severe financial distress and operational weakness
Revenue and earnings are in steep decline (YoY EPS -75.5%, Revenue -17.70%) with no signs of stabilization
Earnings misses have become chronic: 3 of last 4 quarters missed by over 40%, eroding credibility
High valuation despite poor growth: P/E of 30.28 is unjustifiably high relative to negative growth and sector average
Missing key financials (Debt/Equity, Cash, EV, ROIC) limits transparency and raises red flags about balance sheet health
AI Fair Value Estimate
Based on comprehensive analysis
$6.93
-64.2% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
37
Weak
28
25
65
20
45
AI Verdict
High-risk, overvalued bank stock with deteriorating fundamentals and poor earnings quality
Key drivers: Low Piotroski F-Score (2/9), Negative earnings and revenue growth, Premium valuation despite weak fundamentals, Poor earnings surprise history, Lack of key financial disclosures
Confidence
88%
Value
28/100
Ref P/E, PEG, Graham Number
Positives
- Analyst target price ($22.88) implies 18% upside from current levels
Watchpoints
- P/E of 30.28 is significantly above sector average (21.03)
- Price/Book of 5.81 is high for a regional bank with weak ROE
- Current price ($19.38) is 180% above Graham Number ($6.93)
- PEG unavailable due to negative growth, but implied PEG is extremely high
Future
25/100
Ref Growth rates
Positives
- Forward P/E of 14.49 suggests earnings recovery expectations
Watchpoints
- Revenue Growth (YoY): -17.70%
- Q/Q Earnings Growth: -73.30%
- Most Recent Q/Q EPS Growth: -42.9%
- No visibility on earnings recovery given inconsistent guidance and misses
Past
65/100
Ref Historical trends
Positives
- 5Y price return of +853% shows strong historical performance
- Multiple quarters with large earnings beats (e.g., +216.8%, +135.7%) prior to 2024
Watchpoints
- Recent quarters show sharp reversal in performance
- Last 4 quarters: 3 misses, average surprise -45.13%
- Earnings progression shows structural decline since 2024
Health
20/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- ROE of 7.19% is positive, though below cost of equity
Watchpoints
- Piotroski F-Score of 2/9 indicates critical financial weakness
- Missing Altman Z-Score prevents full distress risk assessment
- No data on Debt/Equity, Current Ratio, or cash levels limits health evaluation
- ROA of 1.11% is very low for a bank
Dividend
45/100
Ref Yield, Payout
Positives
- Low payout ratio (8.32%) indicates dividend sustainability under current earnings
Watchpoints
- Dividend Strength score of 25/100 reflects low yield and uncertainty
- Dividend Yield of 1.00% is below sector average for financials
- No 5-year yield history available, limiting trend analysis
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$19.38
Analyst Target
$22.88
Upside/Downside
+18.0%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BBAR and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BBAR
Banco BBVA Argentina S.A.
Primary
|
+853.0% | +421.2% | -15.4% | +22.0% | +6.0% | +9.6% |
|
ASB
Associated Banc-Corp
Peer
|
+67.4% | +34.5% | +8.3% | +5.1% | -0.4% | -0.4% |
|
AB
AllianceBernstein Holding L.P.
Peer
|
+61.4% | +31.7% | +5.9% | -5.4% | -0.1% | -3.0% |
|
BGC
BGC Group, Inc.
Peer
|
+140.9% | +117.3% | -6.3% | -9.0% | -1.8% | -1.4% |
|
AGO
Assured Guaranty Ltd.
Peer
|
+143.2% | +41.2% | -8.7% | -1.1% | -8.4% | -2.1% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
30.28
Forward P/E
14.49
PEG Ratio
N/A
P/B Ratio
5.81
P/S Ratio
0.0
EV/Revenue
N/A
EV/EBITDA
N/A
Market Cap
$4.46B
Profitability
Profit margins and return metrics
Profit Margin
8.5%
Operating Margin
8.78%
Gross Margin
N/A
ROE
7.19%
ROA
1.11%
Growth
Revenue and earnings growth rates
Revenue Growth
-17.7%
Earnings Growth
N/A
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
-73.3%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$N/A
Quarterly Earnings History
EPS performance vs analyst estimates
2026-03-04
$N/A
2025-11-25
$0.12
-40.4% surprise
2025-08-20
$0.21
-43.6% surprise
2025-05-21
$0.34
-51.4% surprise
Financial Services Sector Comparison
Comparing BBAR against 208 companies in the Financial Services sector
(5 bullish, 111 neutral, 92 bearish)
P/E Ratio
30.28
This Stock
vs
30.37
Sector Avg
-0.3%
(Discount)
Return on Equity (ROE)
7.19%
This Stock
vs
-7.62%
Sector Avg
-194.4%
(Below Avg)
Profit Margin
8.5%
This Stock
vs
82.75%
Sector Avg
-89.7%
(Weaker)
Revenue Growth
-17.7%
This Stock
vs
28.35%
Sector Avg
-162.4%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BBAR
Banco BBVA Argentina S.A.
|
BEARISH | $4.46B | 30.28 | 7.2% | 8.5% | $19.38 | |
|
ASB
Associated Banc-Corp
|
NEUTRAL | $4.39B | 31.86 | 3.8% | 16.0% | $26.44 | |
|
AB
AllianceBernstein Holding L.P.
|
BEARISH | $4.31B | 13.16 | 19.8% | -% | $38.96 | |
|
BGC
BGC Group, Inc.
|
NEUTRAL | $4.23B | 27.84 | 14.6% | 6.3% | $8.91 | |
|
AGO
Assured Guaranty Ltd.
|
NEUTRAL | $3.96B | 10.36 | 7.4% | 44.1% | $83.26 |
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
4 analysts
UBS
2025-11-19
Neutral
Citigroup
2025-11-03
Neutral
Buy
HSBC
2025-10-01
Hold
Buy
Citigroup
2025-09-11
Buy
Neutral
Past News Coverage
Recent headlines mentioning BBAR from our newsroom.
Newest → oldest
No matching news yet.