Banco BBVA Argentina (BBAR) AI Stock Analysis

• Market Cap: $3.49B
• Dividend Yield: 0.71%
• Average Volume (3M): 1.41M
• Price to Earnings (P/E): 14.1
• Beta (1Y): 0.79
• Revenue Growth: -39.50%
• 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: 794,861
• 30 Day Avg. Volume: 1,408,901
• 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: 0.20
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: <0.01
• Enterprise Value/Ebitda: <0.01
• 1Y Price Target: $16.25
• Price Target Upside: 1.44% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4
• EPS Forecast (FY): 0.82
• Revenue Forecast (FY): $2.32B

• Rating: 69 Neutral
• Price Target: $16.00 ▼(-0.12% Downside)

Banco BBVA Argentina's overall score reflects solid financial performance and positive technical indicators, despite cash flow challenges and mixed earnings call results. The stock's reasonable valuation and growth potential are balanced by the risks of a volatile financial environment.

Positive Factors

Market Share Growth

Increasing market share in private loans indicates strong competitive positioning and potential for sustained revenue growth.

Asset Growth

Strong asset growth enhances financial stability and market positioning, supporting long-term business expansion.

Leadership Strengthening

Strengthening leadership with experienced directors can improve strategic direction and stakeholder confidence.

Negative Factors

Net Income Decline

A significant drop in net income may indicate operational challenges and pressure on profitability, affecting long-term growth.

Loan Loss Allowances

Rising loan loss allowances suggest increasing credit risk, which could impact financial stability and future earnings.

Fee Income Decline

Declining fee income may reduce revenue diversification and affect overall profitability, posing a risk to long-term financial health.

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

Banco BBVA Argentina shows solid revenue growth and profitability metrics, with efficient cost management and operational improvements. The balance sheet reflects financial stability with low leverage, but cash flow challenges persist, requiring strategic focus to improve liquidity.

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: 16.02
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Negative

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 16.02 is above the 20-day moving average (MA) of 15.59, above the 50-day MA of 12.34, and above the 200-day MA of 15.79, indicating a bullish trend. The MACD of 0.71 indicates Positive momentum. The RSI at 63.20 is Neutral, neither overbought nor oversold. The STOCH value of 83.96 is Negative, 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
CBU	76 Outperform	$3.05B	14.97	11.01%	3.19%	9.41%	20.64%
SUPV	74 Outperform	$1.20B	17.19	2.46%	1.66%	-50.19%	-89.23%
FFBC	72 Outperform	$2.46B	9.26	10.16%	3.92%	5.15%	16.42%
BBAR	69 Neutral	$3.49B	14.12	10.17%	0.71%	-39.50%	-49.55%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BMA	65 Neutral	$5.00B	12.00	10.91%	2.12%	-57.78%	-67.92%
SBCF	62 Neutral	$2.66B	17.94	6.33%	2.29%	6.83%	23.44%

Banco BBVA Argentina Corporate Events

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.

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.

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).

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.

Banco BBVA Argentina Announces Fifth Dividend Installment for October 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

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

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

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.