Banco BBVA Argentina (BBAR)
NYSE:BBAR
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Banco BBVA Argentina
(NYSE:BBAR)
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Rating:55Neutral
Price Target:
$16.50
â–˛(0.18% Upside)
Action:ReiteratedDate: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
Loan Growth & Market Share
Sustained, above-system loan growth and rising market share provide a durable revenue base: larger loan volumes drive net interest income, enhance cross-sell opportunities across retail and SME segments, and support scale economics that can offset modest margin pressure over the medium term.
Negative Factors
Elevated Provisions & Cost of Risk
Sharp increases in allowances and a high cost of risk materially depress earnings and consume capital. Sustained elevated provisioning — driven by retail deterioration — can curtail organic ROE recovery, constrain capital deployment for lending or dividends, and increase earnings volatility over quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Loan Growth & Market Share
Sustained, above-system loan growth and rising market share provide a durable revenue base: larger loan volumes drive net interest income, enhance cross-sell opportunities across retail and SME segments, and support scale economics that can offset modest margin pressure over the medium term.
Read all positive factors
Banco BBVA Argentina (BBAR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$3.59B
Dividend Yield0.8%
Average Volume (3M)752.51K
Price to Earnings (P/E)18.4
Beta (1Y)0.97
Revenue Growth-39.57%
EPS Growth-49.55%
CountryUS
Employees6,289
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.19
Shares Outstanding204,236,700
10 Day Avg. Volume637,841
30 Day Avg. Volume752,507
Financial Highlights & Ratios
PEG Ratio-1.03
Price to Book (P/B)1.56
Price to Sales (P/S)0.80
P/FCF Ratio3.28
Enterprise Value/Market Cap956.18
Enterprise Value/Revenue0.61
Enterprise Value/Gross Profit1.24
Enterprise Value/Ebitda6.67
Forecast
1Y Price Target
$14.00Price Target Upside-15.00% Downside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)1.24
Revenue Forecast (FY)$2.71B
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 ...
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 cre...
Banco BBVA Argentina Earnings Call Summary
Earnings Call Date:Mar 04, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:May 27, 2026
Earnings Call Sentiment Positive
The call balanced clear operational and market-share wins (robust loan and deposit growth, strong QoQ profitability improvement, improved fees, solid capital and liquidity, IFC USD 150m line and FCA acquisition) against meaningful headwinds (a 43% YoY fall in inflation‑adjusted net income, sharply higher provisions and elevated cost of risk, retail asset quality stresses and adjusted NIM compression). Management reiterated a constructive outlook (loan growth guidance of 25%–30% and a target ROE in the low‑to‑mid teens) and signaled that NPLs and cost of risk should peak in Q1 and improve thereafter. On balance the company appears operationally resilient with credible capital/liquidity and market share momentum, while still navigating a challenging credit cycle and margin pressure.Positive Updates
Acquisition of FCA and Balance Sheet Expansion
Acquisition of 50% of FCA CompañĂa Financiera closed Dec 10, 2025; transaction had ARS 1 billion P&L impact and FCA is consolidated in balance sheet figures (loans and deposits) as of year-end.
Negative Updates
Significant YoY Drop in Inflation-Adjusted Net Income
Inflation-adjusted net income for 2025 was ARS 267.4 billion, down 43.2% versus 2024, resulting in an accumulated ROE of 7.3% and ROA of 1.1% (mainly driven by higher provisioning and lower NII year-over-year).
Read all updates
Q4-2025 Updates
Positive
Negative
Acquisition of FCA and Balance Sheet Expansion
Acquisition of 50% of FCA CompañĂa Financiera closed Dec 10, 2025; transaction had ARS 1 billion P&L impact and FCA is consolidated in balance sheet figures (loans and deposits) as of year-end.
Read all positive updates
Company Guidance
BBVA Argentina guided to real loan growth of 25–30% in 2026 (vs. system ~18%), deposit growth of roughly 15–20% (with loans expected to grow faster than deposits), and a rise in dollar loan share from ~23% to about 25–27% (dollar loans potentially growing ~40% real); management expects NPLs and cost of risk to peak in Q1 2026 and then decline toward 2024 levels (cost of risk ~5% by year‑end versus Q4 cost of risk 8.11% and full‑year 5.54%), targets a low‑to‑mid‑teens ROE, an efficiency ratio near 46%, foresees inflation ~22%, GDP growth ~3% and an FX rate around ARS 1,700, anticipates modest real NIM compression offset by volume growth, will maintain a conservative dividend policy (similar to 2024’s payout ~25%), aims to preserve capital and liquidity (Q4 capital ratio 18.3%, liquidity 44.2%), and expects to exit inflation‑adjusted accounting around 2027–2028.Banco BBVA Argentina Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
70
Positive
Cash Flow
44
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 6.67T | 5.20T | 7.55T | 4.61T | 1.46T |
| Gross Profit | 2.76T | 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 | 1.96T | 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
Positive
16.47
Price Trends
15.95
Positive
16.46
Positive
14.72
Positive
Market Momentum
0.20
Negative
60.11
Neutral
78.68
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BBAR, the sentiment is Positive. The current price of 16.47 is above the 20-day moving average (MA) of 14.54, above the 50-day MA of 15.95, and above the 200-day MA of 14.72, indicating a bullish trend. The MACD of 0.20 indicates Negative momentum. The RSI at 60.11 is Neutral, neither overbought nor oversold. The STOCH value of 78.68 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BBAR.
Banco BBVA Argentina Risk Analysis
Banco BBVA Argentina disclosed 44 risk factors in its most recent earnings report. Banco BBVA Argentina reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Banco BBVA Argentina Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $3.06B | 9.29 | 9.77% | 3.79% | 5.15% | 16.42% | |
72 Outperform | $3.14B | 19.14 | 5.83% | 2.25% | 6.83% | 23.44% | |
70 Outperform | $3.24B | 15.30 | 10.99% | 3.14% | 9.41% | 20.64% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $5.47B | 24.80 | 4.69% | 2.37% | -55.81% | -78.94% | |
55 Neutral | $3.59B | 18.39 | 7.42% | 0.80% | -39.57% | -49.55% | |
45 Neutral | $958.25M | -26.53 | -5.10% | 1.54% | -50.96% | -89.23% |
* Financial Sector Average
BBAR
Banco BBVA Argentina
16.47
0.71
4.53%
BMA
Banco Macro SA
80.81
12.67
18.59%
CBU
Community Bank System
61.44
11.59
23.25%
FFBC
First Financial Bancorp
29.22
7.89
36.98%
SBCF
Seacoast Banking Of Florida
32.08
10.61
49.45%
SUPV
Grupo Supervielle SA
9.85
-1.82
-15.58%
Banco BBVA Argentina Corporate Events
BBVA Argentina Faces Consumer Class Action Over FX Conversion on Credit Card Purchases
Apr 1, 2026
On April 1, 2026, Banco BBVA Argentina disclosed that it has been notified of a class action lawsuit filed by consumer and environmental association ACYMA. The case, pending before Commercial Court No. 27 in Buenos Aires, targets credit card trans...
Banco BBVA Argentina Sets April 28, 2026 Shareholders Meeting With Dividend and Capital Allocation Plan
Mar 26, 2026
Banco BBVA Argentina S.A. has released the agenda and board proposals for its Annual General Ordinary and Extraordinary Shareholders Meeting, scheduled for April 28, 2026 in Buenos Aires, covering approval of the 2025 Integrated Annual Report, fin...
Banco BBVA Argentina Calls April 2026 Shareholders’ Meeting to Allocate 2025 Earnings and Plan Dividend
Mar 16, 2026
Banco BBVA Argentina S.A. has called a General Ordinary and Extraordinary Shareholders’ Meeting for April 28, 2026 in Buenos Aires to address key governance, financial reporting and capital allocation matters for fiscal year 151, which ended...
Banco BBVA Argentina Sets Final Dividend Installment for March 31, 2026
Mar 13, 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 ...
Banco BBVA Argentina Details 2025 Earnings Allocation and Plans Dividend-Funded Reserve Reversal
Mar 4, 2026
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 allocatin...
Banco BBVA Argentina Posts Strong 4Q25 Recovery but Higher Provisions Weigh on 2025 Earnings
Mar 4, 2026
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 be...
Banco BBVA Argentina Calls April Shareholders’ Meeting With ARS 63 Billion Dividend Proposal
Mar 4, 2026
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 attendanc...
BBVA Argentina Schedules Ninth Dividend Installment for Late February 2026
Feb 12, 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...
Banco BBVA Argentina Sets January 30, 2026 Payment for Eighth Dividend Installment
Jan 14, 2026
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...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.