Banco BBVA Argentina (BBAR) AI Stock Analysis

• Market Cap: $2.87B
• Dividend Yield: 0.8%
• Average Volume (3M): 682.44K
• Price to Earnings (P/E): 18.4
• Beta (1Y): 0.94
• Revenue Growth: -39.57%
• EPS Growth: -49.55%
• Country: US
• Employees: 6,289
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.19
• Shares Outstanding: 204,236,700
• 10 Day Avg. Volume: 837,044
• 30 Day Avg. Volume: 682,438
• PEG Ratio: -1.03
• Price to Book (P/B): 1.56
• Price to Sales (P/S): 0.71
• P/FCF Ratio: 3.28
• Enterprise Value/Market Cap: 786.07
• Enterprise Value/Revenue: 0.40
• Enterprise Value/Gross Profit: 0.63
• Enterprise Value/Ebitda: 3.82
• 1Y Price Target: $14.00
• Price Target Upside: 5.26% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): 1.16
• Revenue Forecast (FY): $2.73B

• Rating: 55 Neutral
• Price Target: $13.50 ▲(1.50% Upside)
• Action: Reiterated Date: 03/14/26
• Date: Action: Reiterated 03/14/26

The score is held back mainly by weak technicals (below key moving averages with negative MACD) and mixed financial quality driven by margin compression and volatile cash flows. The earnings call provides partial support via growth and improving credit-cost guidance plus strong capital/liquidity, while valuation is only neutral given a ~24.6 P/E and ~1.1% yield.

Positive Factors

Conservative leverage

A very low debt-to-equity ratio and solid equity ratio provide durable financial stability and capital buffer. This conservative leverage profile supports resilience to macro shocks, gives room to expand lending, and reduces refinancing risk, improving long-term solvency and strategic optionality.

Growing market share in loans and deposits

Consistent loan and deposit market share gains reflect durable competitive positioning and customer acquisition strength. Strong deposit growth improves stable funding, enabling sustained loan growth and interest income generation, underpinning franchise value and margin stability over a multi-quarter horizon.

Strategic acquisition expands franchise

Completing a 50% acquisition of FCA broadens BBVA Argentina's product set and auto-finance footprint, creating cross-sell opportunities and scale benefits. Regulatory approval and closing indicate a structural expansion that should lift fee income and diversify risk over multiple quarters.

Negative Factors

Negative operating and free cash flow

Sustained negative operating and free cash flows signal liquidity stress that can constrain lending capacity and capital deployment. Even with improving free cash flow trends, prolonged cash shortfalls force reliance on wholesale funding or asset sales, raising structural funding cost and execution risk.

Rising credit costs and retail NPLs

A sharp increase in provisions, concentrated in the retail book, indicates weakening asset quality that could pressure net interest margins and earnings persistently. If retail NPL trends continue, the bank may need higher provisioning or tighter underwriting, limiting sustainable credit growth.

Capital and equity pressure

A sizeable decline in capital ratio and reported equity erosion from negative other comprehensive income reduce regulatory headroom. This structural pressure may limit organic growth, require capital preservation actions, or force capital raising in adverse conditions, constraining long-term strategic flexibility.

Banco BBVA Argentina Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

BBVA Argentina generates revenue primarily through banking intermediation and fees. The main earnings driver is net interest income: it earns interest and yield on interest-earning assets such as consumer loans (e.g., personal and other retail credit), credit card revolving balances, commercial loans to SMEs and corporates, and other interest-bearing financial assets, while paying interest on funding sources such as customer deposits and other borrowings; the spread between these is a core source of profit. A second major stream is net fee and commission income: the bank charges fees for account maintenance and service packages, payment processing and collections, card-related fees (issuance, annual fees where applicable, merchant acquiring, and transaction-related charges), wire transfers, cash management, and trade-finance-related services (e.g., import/export documentation and guarantees). BBVA Argentina also earns income from capital markets and treasury activities, which can include results from foreign exchange services and trading or valuation changes on financial instruments held for liquidity and risk management, subject to market conditions. Additional revenue can come from insurance- and investment-related distribution and advisory services offered through the bank’s channels (commissions), where applicable. Key factors affecting earnings include loan growth and credit quality (provisions for loan losses reduce earnings), funding mix and deposit pricing (which influence net interest margin), transaction volumes across payments and cards (driving fee income), interest rate and FX dynamics in Argentina (affecting both intermediation spreads and treasury results), and the bank’s ability to cross-sell products through its branch network and digital platforms as part of the BBVA Group.

Banco BBVA Argentina Financial Statement Overview

Summary

Strong recent revenue growth and conservative leverage support resilience, but profitability has weakened (net margin down materially) and cash flows have been highly erratic across periods, reducing earnings/FCF reliability.

Income Statement

Revenue has grown strongly in the latest annual period (+45.9%), but the multi-year path is volatile, including a flat-to-down year in 2024. Profitability is positive, though margins are modest for a bank and have compressed recently: net margin fell from 6.9% (2024) to 3.9% (2025), alongside lower operating margins. The business remains profitable, but earnings quality looks less consistent given the margin swing.

Balance Sheet

Leverage appears conservative based on reported debt: debt-to-equity is low and stable (~0.14 in 2024–2025), supporting balance-sheet resilience. Equity has grown materially versus prior years, and return on equity is positive (8.5% in 2025), though down from 2024 (14.0%), signaling weaker profitability on a larger capital base. Overall, balance-sheet risk looks contained, but returns are trending lower.

Cash Flow

Cash generation is volatile. 2025 shows very strong operating and free cash flow (free cash flow about 87% of net income), but 2024 recorded deeply negative operating and free cash flow despite positive net income, indicating significant working-capital/flow timing swings typical in banking but still a key risk for predictability. Free cash flow growth is sharply negative in 2025 versus 2024’s unusually low base, reinforcing instability rather than a steady compounding profile.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	7.51T	5.20T	7.55T	4.61T	1.46T
Gross Profit	3.57T	3.42T	4.16T	2.65T	904.85B
EBITDA	590.91B	520.69B	743.02B	445.57B	118.65B
Net Income	291.25B	360.41B	341.58B	399.02B	57.01B
Balance Sheet
Total Assets	25.40T	14.72T	13.31T	1.96T	2.01T
Cash, Cash Equivalents and Short-Term Investments	3.51T	5.16T	3.93T	913.64B	750.64B
Total Debt	468.05B	349.00B	140.25B	75.06B	29.49B
Total Liabilities	21.86T	12.10T	10.22T	1.59T	1.69T
Stockholders Equity	3.43T	2.57T	3.04T	360.48B	311.27B
Cash Flow
Free Cash Flow	1.63T	-5.34T	559.08B	94.07B	108.67B
Operating Cash Flow	1.88T	-5.17T	601.23B	110.48B	116.71B
Investing Cash Flow	-11.05T	-162.40B	-93.63B	-184.13B	-11.00B
Financing Cash Flow	11.15T	124.39B	-57.61B	-57.70B	-34.36B

Banco BBVA Argentina Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 13.30
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BBAR, the sentiment is Negative. The current price of 13.3 is below the 20-day moving average (MA) of 15.21, below the 50-day MA of 17.22, and below the 200-day MA of 15.07, indicating a bearish trend. The MACD of -0.98 indicates Positive momentum. The RSI at 33.84 is Neutral, neither overbought nor oversold. The STOCH value of 43.42 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BBAR.

Banco BBVA Argentina Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FFBC	78 Outperform	$2.82B	9.29	9.77%	3.79%	5.15%	16.42%
SBCF	71 Outperform	$2.92B	22.20	5.83%	2.25%	6.83%	23.44%
CBU	70 Outperform	$3.03B	15.30	10.99%	3.14%	9.41%	20.64%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BMA	65 Neutral	$4.49B	28.90	4.69%	2.37%	-55.81%	-78.94%
BBAR	55 Neutral	$2.87B	18.39	7.42%	0.80%	-39.57%	-49.55%
SUPV	42 Neutral	$790.59M	-26.53	-5.10%	1.54%	-50.96%	-89.23%

Banco BBVA Argentina Corporate Events

Banco BBVA Argentina Sets Final Dividend Installment for March 31, 2026

On March 13, 2026, Banco BBVA Argentina announced details of the tenth and final installment of a dividend approved by shareholders on April 23, 2025 and authorized by the Argentine Central Bank in May 2025. The total dividend, originally AR$89.4 billion in constant December 31, 2024 currency and now adjusted to AR$124.5 billion by CPI, reflects inflation indexing and underscores the bank’s continued capital distribution to investors.

Installment 10 totals AR$4.16 billion, equivalent to AR$20.3221086433 per share, and applies to 33.4455536188% of the share capital that did not opt for payment in BOPREAL, with a record date of March 26, 2026 and payout date of March 31, 2026. The structure, including options for non-residents to receive BOPREAL bonds and peso payments for residents and others subject to tax withholding, highlights the interaction between the bank’s dividend policy and Argentina’s capital controls, inflation dynamics, and tax framework, with specific arrangements for local, foreign, and ADS investors.

The most recent analyst rating on (BBAR) stock is a Hold with a $14.00 price target. To see the full list of analyst forecasts on Banco BBVA Argentina stock, see the BBAR Stock Forecast page.

Banco BBVA Argentina Details 2025 Earnings Allocation and Plans Dividend-Funded Reserve Reversal

On March 4, 2026, Banco BBVA Argentina’s board approved the financial statements for the year ended December 31, 2025 and outlined how it plans to deploy nearly ARS 250 billion of unappropriated retained earnings. The bank proposes allocating about ARS 50 billion to its legal reserve and roughly ARS 200 billion to a voluntary reserve earmarked for future earnings distribution, in line with Argentine central bank regulations.

The directors also agreed to propose a partial reversal of ARS 63.06 billion from the existing optional reserve for future earnings distribution to fund a cash and/or in‑kind dividend, subject to prior authorization from the Central Bank of Argentina. The board would be empowered by shareholders to define the form, timing and any securities to be delivered, signaling potential upcoming capital returns while preserving flexibility under a tightly regulated operating environment.

The most recent analyst rating on (BBAR) stock is a Hold with a $14.00 price target. To see the full list of analyst forecasts on Banco BBVA Argentina stock, see the BBAR Stock Forecast page.

Banco BBVA Argentina Posts Strong 4Q25 Recovery but Higher Provisions Weigh on 2025 Earnings

Banco BBVA Argentina S.A. reported its consolidated results for the fourth quarter and full year 2025 on March 4, 2026, highlighting improved net interest income in 4Q25 following the stabilization of interest rates after mid-term elections and better income from public securities. The bank kept operating expenses under control, achieving an efficiency ratio of 45.9% in 4Q25 and 53.9% for 2025, while continuing to grow its loan portfolio and sustaining double-digit market share in private loans and deposits despite a context of economic deceleration and 31.5% annual inflation.

Quarterly net income rose strongly year-on-year in 4Q25, supported by higher net interest and fee income, although 2025 full-year net income declined versus the prior year as loan loss allowances increased, driven by deterioration in the retail book and higher provisioning needs amid loan growth. The results show that the bank’s net monetary position helped offset pressure on net interest income during a transition period, and its solid capital ratios and stable funding base position it to navigate Argentina’s challenging macroeconomic conditions while continuing to prioritize efficiency and risk management.

The most recent analyst rating on (BBAR) stock is a Hold with a $14.00 price target. To see the full list of analyst forecasts on Banco BBVA Argentina stock, see the BBAR Stock Forecast page.

Banco BBVA Argentina Calls April Shareholders’ Meeting With ARS 63 Billion Dividend Proposal

On March 4, 2026, Banco BBVA Argentina’s board resolved to convene its Annual Ordinary and Extraordinary General Shareholders’ Meeting for April 28, 2026, at the bank’s premises on Av. Córdoba in Buenos Aires, with attendance to be exclusively in person. The meeting agenda will include a proposal to distribute ARS 63,057,000,000 in dividends, to be paid in cash, in kind, or a mix of both, funded through a partial release of discretionary earnings reserves and subject to prior authorization from Argentina’s central bank, signaling a material potential payout to shareholders and a use of accumulated capital.

The most recent analyst rating on (BBAR) stock is a Hold with a $14.00 price target. To see the full list of analyst forecasts on Banco BBVA Argentina stock, see the BBAR Stock Forecast page.

BBVA Argentina Schedules Ninth Dividend Installment for Late February 2026

Banco BBVA Argentina S.A. announced that, pursuant to shareholder and regulatory approvals obtained in April and May 2025, it will continue executing the dividend distribution approved for the fiscal year ended December 31, 2024, which was updated for inflation to AR$121.0 billion as of February 12, 2026. This ninth of ten installments totals AR$4.05 billion, or AR$19.7500868770 per share on 33.4455536188% of the share capital that did not opt for payment in BOPREAL, and will be paid to shareholders of record on February 24, 2026, with peso payments starting February 27, 2026, while non-residents who elected BOPREAL will receive bonds upon BCRA settlement and all payments remain subject to applicable Argentine tax withholdings.

Resident shareholders will receive the dividend in pesos through Caja de Valores S.A., while non-resident shareholders that did not subscribe to BOPREAL will also be paid in pesos. Holders of American Depositary Shares will be paid through The Bank of New York Mellon on dates aligned with the rules of the listing jurisdiction, and the structure of this multi-installment, inflation-adjusted dividend underlines BBVA Argentina’s effort to return capital to shareholders within the constraints of Argentine central bank regulation and local tax rules.

The most recent analyst rating on (BBAR) stock is a Hold with a $22.00 price target. To see the full list of analyst forecasts on Banco BBVA Argentina stock, see the BBAR Stock Forecast page.

Banco BBVA Argentina Sets January 30, 2026 Payment for Eighth Dividend Installment

On January 14, 2026, Banco BBVA Argentina S.A. announced the execution of the eighth of ten installments of a dividend previously approved by shareholders on April 23, 2025 and authorized by the Argentine Central Bank in May 2025, corresponding to a total dividend originally set at AR$89.41 billion as of December 31, 2024 and adjusted to AR$117.62 billion in current pesos using the latest CPI data. For Installment 8, the bank will distribute AR$3.93 billion, equivalent to AR$19.1969 per share, payable on 33.4456% of the share capital that did not opt for payment in BOPREAL, with shareholders of record on January 27, 2026 receiving payment from January 30, 2026 in pesos through Caja de Valores or, for ADS holders, via The Bank of New York Mellon, while non-resident investors who chose BOPREAL will be paid upon settlement of the corresponding bond tender and all dividend payments remain subject to applicable Argentine tax withholdings.

The most recent analyst rating on (BBAR) stock is a Hold with a $20.50 price target. To see the full list of analyst forecasts on Banco BBVA Argentina stock, see the BBAR Stock Forecast page.

Banco BBVA Argentina Reports Nine-Month 2025 Results with Rapid Asset Growth but Lower Equity

On January 5, 2026, Banco BBVA Argentina filed its Form 6-K with the U.S. Securities and Exchange Commission, furnishing condensed interim consolidated and separate financial statements for the nine-month period ended September 30, 2025, presented in constant Argentine pesos. As of September 30, 2025, total assets rose to ARS 22.17 trillion from ARS 17.96 trillion at year-end 2024, driven mainly by strong growth in loans and other financing and an expansion in debt securities and pledged financial assets, while deposits increased to ARS 15.36 trillion, reflecting balance-sheet expansion in a volatile macroeconomic context. Total liabilities climbed to ARS 19.18 trillion from ARS 14.76 trillion, supported by higher customer deposits, repo transactions, and financing from the BCRA and other institutions, but equity attributable to owners of the parent declined to ARS 2.92 trillion from ARS 3.15 trillion, as accumulated other comprehensive income turned sharply negative and period income (ARS 181.86 billion for the nine months) was lower than the prior full-year result, signaling pressure on capital amid rapid nominal growth and market volatility that stakeholders will monitor closely.

The most recent analyst rating on (BBAR) stock is a Hold with a $16.00 price target. To see the full list of analyst forecasts on Banco BBVA Argentina stock, see the BBAR Stock Forecast page.