Banco BBVA Argentina (BBAR) AI Stock Analysis

• Market Cap: $4.22B
• Dividend Yield: 0.8%
• Average Volume (3M): 602.01K
• Price to Earnings (P/E): 17.6
• Beta (1Y): 0.75
• Revenue Growth: -39.57%
• EPS Growth: -49.55%
• Country: US
• Employees: 6,289
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.31
• Shares Outstanding: 204,236,700
• 10 Day Avg. Volume: 836,757
• 30 Day Avg. Volume: 602,013
• PEG Ratio: -7.86
• Price to Book (P/B): 1.56
• Price to Sales (P/S): 0.77
• P/FCF Ratio: -0.75
• Enterprise Value/Market Cap: 817.95
• Enterprise Value/Revenue: 0.67
• Enterprise Value/Gross Profit: 1.25
• Enterprise Value/Ebitda: 8.19
• 1Y Price Target: $15.00
• Price Target Upside: -24.92% Downside
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: $23.00 ▲(15.12% Upside)

The score is driven primarily by solid underlying financial performance and balance-sheet conservatism, tempered by negative operating/free cash flow. Technicals remain supportive with price above major moving averages, but overbought momentum signals add near-term risk. Valuation is moderate with a low dividend yield, while the latest earnings call was mixed—reiterated growth guidance and market share gains were offset by weaker quarterly earnings, higher provisions, and capital ratio pressure.

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

Banco BBVA Argentina generates revenue primarily through interest income from loans and credit facilities extended to customers. This includes personal loans, mortgages, and corporate loans, where the bank earns interest on the funds lent out. Additionally, BBVA Argentina earns fee-based income from various services such as account maintenance, transaction fees, and commissions from investment and insurance products. The bank also benefits from foreign exchange transactions and asset management services. Significant partnerships with fintech companies and other financial institutions enhance its offerings and customer reach, contributing further to its earnings. Overall, the bank's diversified portfolio and focus on digital banking solutions play a crucial role in its revenue generation.

Banco BBVA Argentina Financial Statement Overview

Summary

Income statement strength (gross margin 59.7% TTM, improving EBIT margin 17.1% TTM, revenue growth 3.6% TTM) is partly offset by only moderate profitability (net margin 7.3% TTM) and cash flow concerns (negative operating and free cash flow TTM). Balance sheet is stable with conservative leverage (debt-to-equity 0.15) and healthy ROE (12.2% TTM).

Income Statement

Banco BBVA Argentina shows a solid gross profit margin of 59.7% TTM, indicating efficient cost management. The net profit margin of 7.3% TTM is stable, though slightly lower than previous years, suggesting some pressure on profitability. Revenue growth is positive at 3.6% TTM, recovering from a decline in the previous year, which is a positive sign for future performance. However, the EBIT margin of 17.1% TTM shows improvement, reflecting better operational efficiency.

Balance Sheet

The bank maintains a low debt-to-equity ratio of 0.15 TTM, indicating conservative leverage and financial stability. The return on equity is 12.2% TTM, which is a healthy return for shareholders, although it has decreased from previous years. The equity ratio stands at 14.9% TTM, suggesting a solid capital base, but there is room for improvement in asset utilization.

Cash Flow

The cash flow statement reveals challenges with negative operating and free cash flows TTM, indicating potential liquidity issues. However, the free cash flow to net income ratio of 0.92 TTM suggests that the bank is close to converting its earnings into cash. The significant growth in free cash flow TTM is a positive development, but the overall cash flow position needs careful management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	5.15T	5.20T	7.55T	4.61T	1.46T	410.90B
Gross Profit	2.76T	3.42T	4.16T	2.65T	904.85B	287.38B
EBITDA	421.54B	520.69B	743.02B	445.57B	118.65B	65.18B
Net Income	258.90B	360.41B	341.58B	399.02B	57.01B	29.55B
Balance Sheet
Total Assets	22.17T	14.72T	13.31T	1.96T	2.01T	1.05T
Cash, Cash Equivalents and Short-Term Investments	3.83T	5.16T	3.93T	913.64B	750.64B	422.05B
Total Debt	708.15B	349.00B	140.25B	75.06B	29.49B	20.70B
Total Liabilities	19.18T	12.10T	10.22T	1.59T	1.69T	873.17B
Stockholders Equity	2.92T	2.57T	3.04T	360.48B	311.27B	169.63B
Cash Flow
Free Cash Flow	-4.15T	-5.34T	559.08B	94.07B	108.67B	-13.29B
Operating Cash Flow	-3.97T	-5.17T	601.23B	110.48B	116.71B	-10.14B
Investing Cash Flow	-182.99B	-162.40B	-93.63B	-184.13B	-11.00B	-2.70B
Financing Cash Flow	3.73T	124.39B	-57.61B	-57.70B	-34.36B	202.64B

Banco BBVA Argentina Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 19.98
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 19.98 is above the 20-day moving average (MA) of 18.85, above the 50-day MA of 17.64, and above the 200-day MA of 15.70, indicating a bullish trend. The MACD of 0.76 indicates Negative momentum. The RSI at 60.78 is Neutral, neither overbought nor oversold. The STOCH value of 64.82 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BBAR.

Banco BBVA Argentina Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FFBC	76 Outperform	$3.05B	10.97	9.82%	3.79%	5.15%	16.42%
SUPV	74 Outperform	$1.10B	59.86	2.35%	1.54%	-50.96%	-89.23%
CBU	73 Outperform	$3.36B	16.06	11.01%	3.14%	9.41%	20.64%
BBAR	68 Neutral	$4.22B	17.60	10.18%	0.80%	-39.57%	-49.55%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BMA	65 Neutral	$6.50B	23.01	7.66%	2.37%	-55.81%	-78.94%
SBCF	62 Neutral	$3.27B	21.13	6.33%	2.25%	6.83%	23.44%

Banco BBVA Argentina Corporate Events

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.

BBVA Argentina Announces Seventh Dividend Payment for 2025

Banco BBVA Argentina S.A. announced the payment of the seventh installment of dividends, amounting to AR$ 3,825,081,449, to its shareholders. This payment, approved in meetings held earlier in the year, will be distributed on December 30, 2025, with a cut-off date of December 23, 2025. The payment will be made in pesos for resident shareholders and in accordance with specific terms for non-resident shareholders, including the option to receive payment in BOPREAL. This dividend distribution reflects the bank’s ongoing commitment to shareholder returns and its strategic financial management.

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.

BBVA Argentina Completes Acquisition of FCA Compañía Financiera

On December 10, 2025, Banco BBVA Argentina S.A. successfully closed the acquisition of 50% of the share capital of FCA Compañía Financiera S.A., after receiving all necessary regulatory approvals. The transaction was finalized at a price of ARS 34,789 million, with a potential adjustment based on the audited financial statements as of November 30, 2025. This acquisition marks a significant strategic move for BBVA Argentina, potentially enhancing its market position and expanding its financial services offerings.

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.

Banco BBVA Argentina Reports Q3 2025 Financial Results

Banco BBVA Argentina S.A. reported its financial results for the period ending September 30, 2025, with a net income of 192,923,603 thousand pesos. Despite a significant net income, the company faced a comprehensive income loss of 104,912,361 thousand pesos, impacting its overall financial standing.

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.

Banco BBVA Argentina Reports Decline in 3Q25 Earnings Amid Economic Challenges

Banco BBVA Argentina S.A. announced its third-quarter 2025 results, revealing a significant decline in net income and return on equity compared to previous periods due to high inflation and political uncertainty. Despite these challenges, the bank managed to increase its market share in private sector loans and deposits, demonstrating resilience and effective management in a volatile economic environment.

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.

Banco BBVA Argentina Announces Sixth Dividend Payment Installment

On November 13, 2025, Banco BBVA Argentina S.A. announced the payment of the sixth installment of dividends, amounting to AR$ 3,732,773,688, as part of a ten-installment plan approved earlier in the year. The payment will be made to shareholders registered by November 25, 2025, with the payout scheduled for November 28, 2025. This move reflects the bank’s commitment to returning value to its shareholders, with payments structured in pesos for resident shareholders and options for non-resident shareholders to receive payments in pesos or through subscription to Bonds for the Reconstruction of a Free Argentina (BOPREAL).

The most recent analyst rating on (BBAR) stock is a Sell with a $15.00 price target. To see the full list of analyst forecasts on Banco BBVA Argentina stock, see the BBAR Stock Forecast page.

BBVA Argentina Gains Approval for Strategic Acquisition

On November 7, 2025, Banco BBVA Argentina S.A. announced the approval from the Central Bank of the Argentine Republic and the Secretariat of Industry and Commerce for its acquisition of 50% of FCA Compañía Financiera S.A. This strategic move, in collaboration with Stellantis Financial Services Europe, marks a significant expansion in BBVA Argentina’s market presence, as it gains joint control over FCA Compañía Financiera S.A. The acquisition is expected to enhance BBVA Argentina’s competitive positioning in the financial sector and provide new opportunities for growth.

The most recent analyst rating on (BBAR) stock is a Hold with a $17.50 price target. To see the full list of analyst forecasts on Banco BBVA Argentina stock, see the BBAR Stock Forecast page.