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Banco BBVA Argentina (BBAR)
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Banco BBVA Argentina (BBAR) AI Stock Analysis

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BBAR

Banco BBVA Argentina

(NYSE:BBAR)

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Neutral 67 (OpenAI - 4o)
Rating:67Neutral
Price Target:
$10.50
â–²(10.29% Upside)
Banco BBVA Argentina's stock score is primarily driven by its strong valuation, indicating potential undervaluation with a low P/E ratio. Financial performance is solid, with good revenue growth and profitability, though cash flow issues need attention. Technical analysis suggests a bearish trend, while the earnings call reflects a mixed outlook with both growth opportunities and challenges.

Banco BBVA Argentina (BBAR) vs. SPDR S&P 500 ETF (SPY)

Banco BBVA Argentina Business Overview & Revenue Model

Company DescriptionBanco BBVA Argentina (BBAR) is a leading financial institution in Argentina, providing a wide range of banking and financial services. As a subsidiary of the global BBVA Group, the bank operates primarily in the retail banking sector, offering services such as savings and checking accounts, personal and business loans, credit cards, and investment products. Additionally, BBVA Argentina engages in corporate banking, providing tailored financial solutions to medium and large enterprises, including trade finance and treasury services.
How the Company Makes MoneyBanco BBVA Argentina generates revenue through multiple key streams, primarily from interest income and fees. The bank earns interest income by lending to customers, including personal loans, mortgages, and business financing, with interest rates that vary based on market conditions and borrower credit risk. Fee income is derived from various banking services, such as account maintenance fees, transaction fees, and charges for financial advisory services. Additionally, BBVA Argentina benefits from its investment portfolio, which includes government and corporate bonds, contributing to its overall earnings. Strategic partnerships with fintech companies and digital platforms also enhance its revenue potential by expanding its customer base and introducing innovative financial products.

Banco BBVA Argentina Earnings Call Summary

Earnings Call Date:Aug 20, 2025
(Q2-2025)
|
% Change Since: |
Next Earnings Date:Nov 19, 2025
Earnings Call Sentiment Neutral
The earnings call presented a mixed outlook, highlighting strong macroeconomic stabilization and growth in market share and loans. However, challenges remain with decreased net income, increased loan loss allowances, and a decline in fee income.
Q2-2025 Updates
Positive Updates
Macroeconomic Stabilization and GDP Growth
The macroeconomic normalization process has continued, with a projected GDP growth of 5.5% year-over-year in 2025, reversing a 1.7% drop in 2024.
Increased Market Share in Private Loans and Deposits
BBVA Argentina's market share of total private loans rose from 10.54% in June 2024 to 11.61% in June 2025. The bank's total private deposits grew 32% in the first half of 2025, surpassing the inflation rate.
Strong Loan and Deposit Growth
Private sector loans increased by 15.7% quarter-over-quarter, with notable growth in overdrafts (34.6%) and other loans (26.9%). Total deposits reached ARS 17 trillion, increasing 12% quarter-over-quarter.
Negative Updates
Decrease in Net Income and ROE
Inflation-adjusted net income decreased by 31.1% quarter-over-quarter, with a quarterly ROE of 7.6%, attributed to lower operating income and increased loan loss allowances.
Loan Loss Allowances and Nonperforming Loans
Loan loss allowances increased by 42.3%, and nonperforming loans ratio on private loans increased to 2.28% as of June 2025, reflecting a deterioration mainly in the retail portfolio.
Fee Income Decline
Net fee income decreased by 11.1% quarter-over-quarter, mainly due to a revision of provisions linked to the Millas BBVA loyalty program.
Company Guidance
During the BBVA Argentina Second Quarter 2025 Results Conference Call, the guidance provided highlighted several key metrics and projections. BBVA Argentina expects GDP growth of 5.5% year-over-year in 2025, recovering from a 1.7% decline in 2024. The bank anticipates a year-over-year inflation rate close to 28% by the end of 2025, supported by fiscal balance, tight monetary policy, and relaxed foreign exchange restrictions. BBVA Argentina's market share for total private loans rose to 11.61% in June 2025, up from 10.54% a year earlier, with its peso loan portfolio expanding by 43% year-to-date. The bank's financial results for Q2 2025 showed a net income of ARS 59.6 billion, a decrease of 31.1% quarter-over-quarter, with a quarterly ROE of 7.6% and ROA of 1.2%. Operating expenses decreased by 7.5% quarter-over-quarter to ARS 483.1 billion, and the efficiency ratio was stable at 56.5%. The bank also reported a significant growth in total deposits, reaching ARS 17 trillion, a 12% increase quarter-over-quarter, with a capital ratio of 18.4%. BBVA Argentina remains focused on credit growth, aiming for a 50% growth in real terms for 2025, while maintaining a cautious approach to risk management.

Banco BBVA Argentina Financial Statement Overview

Summary
Banco BBVA Argentina demonstrates strong financial performance with impressive revenue growth and profitability. The balance sheet reflects a stable financial structure with low leverage, enhancing resilience. However, the cash flow statement highlights potential challenges in free cash flow generation, suggesting a need for careful cash management.
Income Statement
75
Positive
Banco BBVA Argentina has shown a substantial revenue growth rate from 2023 to 2024, indicating strong expansion. The gross profit margin remains healthy as all revenues translate into gross profit. The net profit margin has also improved, reflecting enhanced profitability. Despite EBITDA data being unavailable, the EBIT margin is strong, suggesting efficient operational management. Overall, the income statement reveals robust financial performance with significant growth trajectory.
Balance Sheet
70
Positive
The balance sheet of Banco BBVA Argentina is characterized by a strong equity ratio, indicating a solid financial foundation with a significant portion of assets financed by equity. The debt-to-equity ratio is low, reflecting conservative leverage and reduced financial risk. However, the return on equity (ROE) is moderate, suggesting room for improving shareholder returns. Overall, the balance sheet demonstrates financial stability and prudent risk management.
Cash Flow
60
Neutral
The cash flow statement indicates a high operating cash flow to net income ratio, suggesting that net income is well-supported by cash from operations. However, the free cash flow has experienced a significant decline, indicating potential challenges in cash generation. The bank's ability to convert net income into free cash flow is under pressure, which could impact future financial flexibility. Overall, while operational cash flows are robust, free cash flow dynamics need attention.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue4.43T5.20T7.55T4.61T1.46T410.90B
Gross Profit2.65T3.42T4.16T2.65T904.85B287.38B
EBITDA480.41B520.69B743.02B445.57B118.65B65.18B
Net Income323.48B360.41B341.58B399.02B57.01B29.55B
Balance Sheet
Total Assets19.26T14.72T6.11T1.96T1.03T688.97B
Cash, Cash Equivalents and Short-Term Investments3.31T5.16T3.93T913.64B750.64B279.68B
Total Debt432.19B349.00B64.41B75.06B29.49B1.17B
Total Liabilities16.33T12.10T4.70T1.59T867.58B584.21B
Stockholders Equity2.88T2.58T1.40T360.48B159.41B102.62B
Cash Flow
Free Cash Flow-5.63T-5.34T559.08B94.07B108.67B-13.29B
Operating Cash Flow-5.46T-5.17T601.23B110.48B116.71B-10.14B
Investing Cash Flow-171.00B-162.40B-93.63B-184.13B-11.00B-2.70B
Financing Cash Flow3.85T124.39B-57.61B-57.70B-34.36B202.64B

Banco BBVA Argentina Technical Analysis

Technical Analysis Sentiment
Positive
Last Price9.52
Price Trends
50DMA
10.63
Negative
100DMA
13.50
Negative
200DMA
16.73
Negative
Market Momentum
MACD
-0.22
Negative
RSI
49.44
Neutral
STOCH
51.44
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 9.52 is above the 20-day moving average (MA) of 8.97, below the 50-day MA of 10.63, and below the 200-day MA of 16.73, indicating a neutral trend. The MACD of -0.22 indicates Negative momentum. The RSI at 49.44 is Neutral, neither overbought nor oversold. The STOCH value of 51.44 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
$597.81M9.398.59%2.72%-55.30%-64.02%
75
Outperform
$2.98B14.6111.02%3.28%9.41%20.61%
74
Outperform
$2.33B9.749.77%3.98%4.62%2.69%
72
Outperform
$2.65B18.506.31%2.39%5.70%18.72%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
67
Neutral
$2.09B6.1813.26%0.80%-47.41%-18.95%
66
Neutral
$3.83B9.3510.91%2.59%-57.78%-67.92%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
BBAR
Banco BBVA Argentina
10.11
-2.16
-17.60%
BMA
Banco Macro SA
58.20
-16.68
-22.28%
CBU
Community Bank System
56.59
-0.03
-0.05%
FFBC
First Financial Bancorp
24.32
-0.20
-0.82%
SBCF
Seacoast Banking Of Florida
30.12
3.75
14.22%
SUPV
Grupo Supervielle SA
6.87
-1.48
-17.72%

Banco BBVA Argentina Corporate Events

Banco BBVA Argentina Announces Fifth Dividend Installment for October 2025
Oct 16, 2025

On October 16, 2025, Banco BBVA Argentina S.A. announced the payment of the fifth installment of dividends, amounting to AR$ 3,647,356,252, to be distributed among shareholders as of October 28, 2025, with the payout scheduled for October 31, 2025. This dividend payment, approved earlier in the year, reflects the bank’s ongoing commitment to returning value to its shareholders, with implications for both resident and non-resident stakeholders, including specific arrangements for those opting for payment in BOPREAL.

Banco BBVA Argentina Reports Strong Asset Growth in Mid-2025 Financials
Sep 29, 2025

Banco BBVA Argentina S.A. released its condensed interim financial statements for the six-month period ending June 30, 2025. The report highlights a significant increase in total assets, reaching approximately 19.26 billion Argentine pesos, compared to 16.95 billion at the end of December 2024. This growth is attributed to an increase in loans and other financing, as well as a rise in deposits from the non-financial private sector. The financial statements indicate a strong financial position for the bank, which could enhance its market positioning and stakeholder confidence.

BBVA Argentina Faces Class Action Over Credit Card Interest Rates
Sep 25, 2025

Banco BBVA Argentina S.A. has been notified of a class action lawsuit filed by the Protegiendo al Consumidor association. The lawsuit challenges the constitutionality of a decree that eliminated the limit on punitive interest, seeking reimbursement for excess amounts collected from credit card users in Buenos Aires. While the financial impact of the lawsuit is currently indeterminate, the bank believes that even an adverse ruling would not significantly affect its operations.

Banco BBVA Argentina Announces Fourth Dividend Installment for September 2025
Sep 15, 2025

On September 15, 2025, Banco BBVA Argentina S.A. announced the payment of the fourth installment of dividends as approved by their shareholders’ meeting in April 2025. The payment, amounting to AR$ 3,573,180,596, will be distributed to shareholders as of the cut-off date on September 25, 2025, with the payout commencing on September 30, 2025. This installment is part of a larger dividend payment strategy, reflecting the bank’s commitment to returning value to its shareholders. The impact of this announcement highlights the bank’s operational focus on maintaining shareholder satisfaction and adhering to regulatory requirements.

BBVA Argentina Appoints New Director with Central Bank Approval
Aug 21, 2025

On August 21, 2025, Banco BBVA Argentina S.A. announced that the Central Bank of the Argentine Republic has authorized Mr. Juan Christian Kindt to serve as a Director of the bank. This development is part of the bank’s ongoing efforts to strengthen its leadership team, potentially impacting its strategic direction and stakeholder confidence positively.

Banco BBVA Argentina Reports Strong 2Q25 Earnings Amid Economic Challenges
Aug 20, 2025

Banco BBVA Argentina S.A. reported its consolidated earnings for the second quarter of fiscal year 2025, showing an improvement in net interest income due to increased commercial efforts. The bank maintained stable operating expenses and saw a rise in loan loss allowances due to loan book growth. Despite a challenging macroeconomic environment with high inflation and currency fluctuations, the bank demonstrated sustained growth capacity and improved market share in the private loans and deposits sector.

Banco BBVA Argentina Releases June 2025 Financial Statements
Aug 20, 2025

Banco BBVA Argentina S.A. submitted its financial statements for the period ending June 30, 2025, which were approved by the Board of Directors on August 20, 2025. The company reported that its controlling shareholder, Banco Bilbao Vizcaya Argentaria S.A., holds 66.55% of the total capital stock. This announcement reflects the company’s compliance with regulatory requirements and provides transparency regarding its ownership structure, which is crucial for stakeholders and investors.

Banco BBVA Argentina Announces Third Dividend Payment for 2025
Aug 14, 2025

On August 14, 2025, Banco BBVA Argentina S.A. announced the payment of the third installment of dividends, amounting to AR$ 3,507,392,436, to its shareholders. This decision follows the approval from the General Ordinary and Extraordinary Shareholders’ Meeting in April 2025 and subsequent authorization from the Argentine Central Bank. The payment will be made to shareholders registered by August 26, 2025, with payouts commencing on August 29, 2025. This move reflects the bank’s commitment to returning value to its shareholders and may influence its market positioning by maintaining investor confidence.

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.Date of analysis: Oct 23, 2025