Banco BBVA Argentina (BBAR) AI Stock Analysis

• Market Cap: $2.09B
• Dividend Yield: 0.8%
• Average Volume (3M): 1.45M
• Price to Earnings (P/E): 6.2
• Beta (1Y): 0.58
• Revenue Growth: -47.41%
• EPS Growth: -18.95%
• Country: US
• Employees: 6,289
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.21
• Shares Outstanding: 204,236,700
• 10 Day Avg. Volume: 1,539,049
• 30 Day Avg. Volume: 1,449,515
• PEG Ratio: -7.86
• Price to Book (P/B): 1.55
• Price to Sales (P/S): 0.77
• P/FCF Ratio: -0.75
• Enterprise Value/Market Cap: 1.00
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: <0.01
• Enterprise Value/Ebitda: <0.01
• 1Y Price Target: $17.00
• Price Target Upside: 78.57% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 67 Neutral
• Price Target: $10.50 ▲(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 Business Overview & Revenue Model

Company Description

Banco 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 Money

Banco 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 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

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	4.43T	5.20T	7.55T	4.61T	1.46T	410.90B
Gross Profit	2.65T	3.42T	4.16T	2.65T	904.85B	287.38B
EBITDA	480.41B	520.69B	743.02B	445.57B	118.65B	65.18B
Net Income	323.48B	360.41B	341.58B	399.02B	57.01B	29.55B
Balance Sheet
Total Assets	19.26T	14.72T	6.11T	1.96T	1.03T	688.97B
Cash, Cash Equivalents and Short-Term Investments	3.31T	5.16T	3.93T	913.64B	750.64B	279.68B
Total Debt	432.19B	349.00B	64.41B	75.06B	29.49B	1.17B
Total Liabilities	16.33T	12.10T	4.70T	1.59T	867.58B	584.21B
Stockholders Equity	2.88T	2.58T	1.40T	360.48B	159.41B	102.62B
Cash Flow
Free Cash Flow	-5.63T	-5.34T	559.08B	94.07B	108.67B	-13.29B
Operating Cash Flow	-5.46T	-5.17T	601.23B	110.48B	116.71B	-10.14B
Investing Cash Flow	-171.00B	-162.40B	-93.63B	-184.13B	-11.00B	-2.70B
Financing Cash Flow	3.85T	124.39B	-57.61B	-57.70B	-34.36B	202.64B

Banco BBVA Argentina Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 9.52
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 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 Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SUPV	76 Outperform	$597.81M	9.39	8.59%	2.72%	-55.30%	-64.02%
CBU	75 Outperform	$2.98B	14.61	11.02%	3.28%	9.41%	20.61%
FFBC	74 Outperform	$2.33B	9.74	9.77%	3.98%	4.62%	2.69%
SBCF	72 Outperform	$2.65B	18.50	6.31%	2.39%	5.70%	18.72%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BBAR	67 Neutral	$2.09B	6.18	13.26%	0.80%	-47.41%	-18.95%
BMA	66 Neutral	$3.83B	9.35	10.91%	2.59%	-57.78%	-67.92%

Banco BBVA Argentina Corporate Events

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.

BBVA Argentina Appoints New Director with Central Bank Approval

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

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

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

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.