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Banco BBVA Argentina
(NYSE:BBAR)
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Rating:63Neutral
Price Target:
$22.50
▲(19.30% Upside)
Action:Reiterated
Date:06/26/26
BBAR’s score is driven primarily by stable-to-okay financial performance—strong recent revenue growth and reasonable leverage offset by modest profitability and volatile cash-flow history. Technicals are supportive with an uptrend and positive MACD, while valuation is a headwind due to a higher P/E and only modest dividend yield.
Positive Factors
Revenue Growth
Sustained TTM revenue growth (~+13.6%) indicates expanding core banking volumes and product uptake. Strong top-line momentum enhances scale economics, supports revenue diversification opportunities, and gives management room to invest in digital channels and risk-graded origination without relying solely on cost cuts.
Negative Factors
Modest Profitability
Low net margins (~3.7%) and middling ROE (~6.8%) limit the bank's ability to convert growth into strong shareholder returns. Persistently modest profitability raises questions about pricing power, cost structure efficiency, and the capacity to build capital internally during periods of stress or higher provisioning.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained TTM revenue growth (~+13.6%) indicates expanding core banking volumes and product uptake. Strong top-line momentum enhances scale economics, supports revenue diversification opportunities, and gives management room to invest in digital channels and risk-graded origination without relying solely on cost cuts.
Read all positive factors
Banco BBVA Argentina (BBAR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$4.11B
Dividend Yield2.23%
Average Volume (3M)582.37K
Price to Earnings (P/E)27.5
Beta (1Y)1.07
Revenue Growth-0.28%
EPS Growth-56.93%
CountryUS
Employees6,289
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1422.33
Shares Outstanding204,236,700
10 Day Avg. Volume485,485
30 Day Avg. Volume582,370
Financial Highlights & Ratios
PEG Ratio-1.58
Price to Book (P/B)1.56
Price to Sales (P/S)0.95
P/FCF Ratio3.28
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$16.50Price Target Upside-12.51% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering2
EPS Forecast (FY)1.16
Revenue Forecast (FY)$3.09B
Banco BBVA Argentina Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
Banco BBVA Argentina primarily generates revenue through a mix of net interest income and fee-based income typical of a universal/commercial bank. (1) Net interest income: The bank earns interest on loans and other interest-earning assets (e.g., c...
Banco BBVA Argentina Earnings Call Summary
Earnings Call Date:Mar 04, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Aug 24, 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
Strong Loan Growth and Market Share Gains
Private sector loans reached ARS 14.8 trillion, up 7.6% QoQ and 47.6% YoY; consolidated market share of private sector loans improved to 11.91% (up 64 bps YoY). Management guidance: target loan growth of 25%–30% in 2026, aiming to outpace system growth.
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
Strong Loan Growth and Market Share Gains
Private sector loans reached ARS 14.8 trillion, up 7.6% QoQ and 47.6% YoY; consolidated market share of private sector loans improved to 11.91% (up 64 bps YoY). Management guidance: target loan growth of 25%–30% in 2026, aiming to outpace system growth.
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
67
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 6.19T | 5.63T | 5.20T | 7.55T | 4.61T | 1.46T |
| Gross Profit | 3.32T | 3.09T | 3.42T | 4.16T | 2.65T | 904.85B |
| EBITDA | 616.82B | 630.92B | 520.69B | 743.02B | 445.57B | 118.65B |
| Net Income | 302.15B | 315.14B | 360.41B | 341.58B | 399.02B | 57.01B |
Balance Sheet | ||||||
| Total Assets | 25.71T | 25.41T | 14.72T | 13.31T | 1.96T | 2.01T |
| Cash, Cash Equivalents and Short-Term Investments | 7.57T | 6.65T | 5.16T | 3.93T | 913.64B | 750.64B |
| Total Debt | 735.47B | 1.96T | 349.00B | 140.25B | 75.06B | 29.49B |
| Total Liabilities | 21.69T | 21.87T | 12.10T | 10.22T | 1.59T | 1.69T |
| Stockholders Equity | 3.90T | 3.43T | 2.57T | 3.04T | 360.48B | 311.27B |
Cash Flow | ||||||
| Free Cash Flow | 622.65B | 1.63T | -5.34T | 559.08B | 94.07B | 108.67B |
| Operating Cash Flow | 860.92B | 1.88T | -5.17T | 601.23B | 110.48B | 116.71B |
| Investing Cash Flow | -1.76T | -11.05T | -162.40B | -93.63B | -184.13B | -11.00B |
| Financing Cash Flow | 2.36T | 11.15T | 124.39B | -57.61B | -57.70B | -34.36B |
Banco BBVA Argentina Technical Analysis
Negative
18.86
Price Trends
19.08
Negative
16.95
Positive
16.49
Positive
Market Momentum
0.18
Positive
46.17
Neutral
28.83
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 18.86 is below the 20-day moving average (MA) of 19.72, below the 50-day MA of 19.08, and above the 200-day MA of 16.49, indicating a neutral trend. The MACD of 0.18 indicates Positive momentum. The RSI at 46.17 is Neutral, neither overbought nor oversold. The STOCH value of 28.83 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
83 Outperform | $3.55B | 11.79 | 10.07% | 2.96% | 11.65% | 13.28% | |
77 Outperform | $3.41B | 15.04 | 11.34% | 2.80% | 6.69% | 17.23% | |
71 Outperform | $3.38B | 46.32 | 5.61% | 2.24% | 23.80% | -0.77% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $4.11B | 27.45 | 6.79% | 1.84% | -0.28% | -56.93% | |
60 Neutral | $6.19B | 25.17 | 7.28% | 5.47% | 6.98% | 6551.65% | |
55 Neutral | $892.26M | -26.88 | -4.99% | ― | -9.02% | -172.36% |
* Financial Sector Average
BBAR
Banco BBVA Argentina
18.93
3.61
23.52%
BMA
Banco Macro SA
91.90
26.84
41.26%
CBU
Community Bank System
64.81
14.01
27.58%
FFBC
First Financial Bancorp
33.83
10.80
46.90%
SBCF
Seacoast Banking Of Florida
34.74
7.35
26.85%
SUPV
Grupo Supervielle SA
9.46
-0.96
-9.21%
Banco BBVA Argentina Corporate Events
Banco BBVA Argentina Sets August Date for Final 2026 Dividend Installment
Jul 23, 2026
On July 23, 2026, Banco BBVA Argentina announced it would pay the third and final installment of its 2026 cash dividend, totaling ARS 23,003,675,041, as previously approved at the shareholders’ meeting on April 28, 2026 and authorized by the...
BBVA Argentina Announces Second Dividend Installment for 2026
Jun 18, 2026
Banco BBVA Argentina S.A. announced that, in line with resolutions passed at its General Ordinary and Extraordinary Shareholders’ Meeting on April 28, 2026, and subsequent approvals from the Argentine Central Bank and the board in May, it wi...
Banco BBVA Argentina Posts Higher 1Q26 Net Income and Gains Market Share Amid Weak Activity
May 26, 2026
Banco BBVA Argentina reported inflation-adjusted consolidated net income of AR$85.2 billion for the first quarter of 2026, covering the period ended March 31, 2026, with results released on May 26, 2026. The quarter showed higher net interest inco...
Banco BBVA Argentina Posts Strong First-Quarter 2026 Earnings and Solid Capital Base
May 26, 2026
On May 26, 2026, Banco BBVA Argentina reported its financial results for the quarter ended March 31, 2026, showing strong profitability with net income of ARS 85.22 billion and total comprehensive income of ARS 145.14 billion. The bank’s tot...
Banco BBVA Argentina Announces Large Three-Stage Cash Dividend for 2026
May 26, 2026
Banco BBVA Argentina S.A. has approved a sizeable cash dividend distribution totaling AR$69,011,025,123 for 2026, following shareholder approval on April 28, 2026, and authorization from the Argentine Central Bank on May 15, 2026. The bank will pa...
Banco BBVA Argentina Wins Central Bank Approval for ARS 69 Billion Profit Distribution
May 15, 2026
On May 15, 2026, Banco BBVA Argentina S.A. reported that the Central Bank of the Argentine Republic’s Superintendence of Exchange Institutions authorized the bank to distribute profits totaling ARS 69,011,025,123 in cash and/or in kind. The ...
Banco BBVA Argentina Files 2025 Audited Results, Showing Strong Balance-Sheet Growth
May 14, 2026
On May 14, 2026, Banco BBVA Argentina filed its Form 6-K in the United States, furnishing audited consolidated and separate financial statements for the fiscal year ended December 31, 2025, together with reports from its independent auditor and su...
BBVA Argentina Shareholders Approve 2025 Results, Reserves and Potential Dividend at April 28 Meeting
Apr 30, 2026
On April 28, 2026, Banco BBVA Argentina S.A. held its Annual General Ordinary and Extraordinary Shareholders’ Meeting in Buenos Aires, with 88.67% of capital present, validating the quorum and confirming active participation by major shareho...
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.