BBAR Stock Analysis: BBVA Banco Frances | NYSE
Banks - Regional | NYSE, USA | Market Cap: 4.262m USD | 12M Return: 25% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.51M
EPS Trend: -48.5%
Qual. Beats: -1
Rev. Trend: 62.3%
Qual. Beats: 3
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Banco BBVA Argentina S.A. (NYSE: BBAR) is an Argentine bank offering a comprehensive suite of financial products and services across three primary segments: retail banking, small and medium-sized enterprise (SME) banking, and corporate and investment banking. Founded in 1886 and headquartered in Buenos Aires, the company provides individuals with checking and savings accounts, credit cards, consumer loans, mortgages, and insurance, while serving private-sector companies and SMEs with financing, factoring, transactional, payroll, and treasury services. For larger corporations and multinational clients, it offers global transaction services, capital markets advisory, project finance, syndicated loans, and merger and acquisition advisory. The bank also provides foreign trade and asset management services and was renamed from BBVA Banco Francés S.A. in November 2019.
As a subsidiary of the Spanish banking group BBVA, the company operates within Argentinas regulated financial system, where banks typically earn revenue from net interest margins on lending activities, fee-based services, and trading operations. Listed on the NYSE as an American Depositary Receipt since 1993, BBAR is classified under the Regional Banks sub-industry within the Financials sector, reflecting its geographic concentration in the Argentine market.
- Net interest margin expands on elevated Argentine policy rates
- Peso devaluation lifts dollar-linked asset values and fee income
- Capital controls and BCRA regulation limit dollar deposit growth
- SME and corporate lending tracks Argentinas economic recovery
| Net Income: 204b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 4.62 > 1.0 |
| NWC/Revenue: -162.7% < 20% (prev -155.9%; Δ -6.79% < -1%) |
| CFO/TA 0.02 > 3% & CFO 582b > Net Income 204b |
| Net Debt (-6786b) to EBITDA (450b): -15.08 < 3 |
| Current Ratio: 0.43 > 1.5 & < 3 |
| Outstanding Shares: last quarter (204.2m) vs 12m ago -0.00% < -2% |
| Gross Margin: 46.37% > 18% (prev 63.34%; Δ -16.97% > 0.5%) |
| Asset Turnover: 29.88% > 50% (prev 34.81%; Δ -4.93% > 0%) |
| Interest Coverage Ratio: 0.13 > 6 (EBIT TTM 345b / Interest Expense TTM 2563b) |
| A: -0.40 (Total Current Assets 7573b - Total Current Liabilities 17781b) / Total Assets 25712b |
| B: 0.01 (Retained Earnings 352b / Total Assets 25712b) |
| C: 0.02 (EBIT TTM 345b / Avg Total Assets 21000b) |
| D: 0.18 (Book Value of Equity 3895b / Total Liabilities 21688b) |
| Altman-Z'' = -2.26 = D |
| DSRI: 0.10 (Receivables 587k/1424b, Revenue 6274b/5669b) |
| GMI: 1.37 (GM 63.34% / 46.37%) |
| AQI: 0.83 (AQ_t 0.67 / AQ_t-1 0.80) |
| SGI: 1.11 (Revenue 6274b / 5669b) |
| TATA: -0.01 (NI 204b - CFO 582b) / TA 25712b) |
| Beneish M = -3.46 (Cap -4..+1) = AA |
As of July 28, 2026, the stock is trading at USD 19.17 with a total of 298,942 shares traded. Over the past week, the price has changed by -2.14%, over one month by -1.90%, over three months by +33.74% and over the past year by +25.02%.
Current recommended Stop Loss: 17.80 (which is 7.1% or 1.2 ATR below the current price).
BBVA Banco Frances has received a consensus analysts rating of 3.75. Therefore, it is recommended to hold BBAR.
- StrongBuy: 1
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 26.7 | 39.1% |
Market Cap ARS = 6379b (4.26b USD * 1496.5 USD.ARS)
P/E Trailing = 19.1468
P/E Forward = 3.2185
P/S = 0.0014
P/B = 1.5547
P/EG = 4.374
Revenue TTM = 6274b ARS
EBIT TTM = 345b ARS
EBITDA TTM = 450b ARS
Long Term Debt = 669b ARS (from longTermDebt, last quarter)
Short Term Debt = 66.9b ARS (from shortTermDebt, last quarter)
Debt = 787b ARS (from shortLongTermDebtTotal, last quarter) + Leases 51.5b
Net Debt = -6786b ARS (calculated: Debt 787b - CCE 7573b)
Enterprise Value = 6379b ARS (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.13 (Ebit TTM 345b / Interest Expense TTM 2563b)
EV/FCF = 15.34x (Enterprise Value 6379b / FCF TTM 416b)
FCF Yield = 6.52% (FCF TTM 416b / Enterprise Value 6379b)
FCF Margin = 6.63% (FCF TTM 416b / Revenue TTM 6274b)
Net Margin = 3.25% (Net Income TTM 204b / Revenue TTM 6274b)
Gross Margin = 46.37% ((Revenue TTM 6274b - Cost of Revenue TTM 3365b) / Revenue TTM)
Gross Margin QoQ = 50.76% (prev 41.61%)
Tobins Q-Ratio = 0.25 (Enterprise Value 6379b / Total Assets 25712b)
Interest Expense / Debt = 325.7% (Interest Expense 2563b / Debt 787b)
Taxrate = 8.83% (30.4b / 345b)
NOPAT = 314b (EBIT 345b * (1 - 8.83%))
Current Ratio = 0.43 (Total Current Assets 7573b / Total Current Liabilities 17781b)
Debt / Equity = 0.20 (Debt 787b / totalStockholderEquity, last quarter 3895b)
Debt / EBITDA = -15.08 (Net Debt -6786b / EBITDA 450b)
Debt / FCF = -16.32 (Net Debt -6786b / FCF TTM 416b)
Total Stockholder Equity = 3154b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.97% (Net Income 204b / Total Assets 25712b)
RoE = 6.47% (Net Income TTM 204b / Total Stockholder Equity 3154b)
RoCE = 9.01% (EBIT 345b / Capital Employed (Equity 3154b + L.T.Debt 669b))
RoIC = 4.09% (NOPAT 314b / Invested Capital 7684b)
WACC = 9.01% (E(6379b)/V(7166b) * Re(10.12%) + (debt cost/tax rate unavailable))
Discount Rate = 10.12% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 17.84 | Cagr: 0.00%
[DCF] Terminal Value 73.16% ; FCFF base≈416b ; Y1≈418b ; Y5≈442b
[DCF] Fair Price = 63.5k (EV 6187b - Net Debt -6786b = Equity 12973b / Shares 204.2m; r=9.01% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: -48.50 | EPS CAGR: -12.39% | SUE: -1.69 | # QB: -1
Revenue Correlation: 62.33 | Revenue CAGR: 28.53% | SUE: 0.98 | # QB: 3
EPS current Quarter (2026-06-30): EPS=0.00 | Chg30d=N/A | Revisions=N/A | Analysts=0
EPS next Quarter (2026-09-30): EPS=0.00 | Chg30d=N/A | Revisions=N/A | Analysts=0
EPS current Year (2026-12-31): EPS=0.42 | Chg30d=+0.00% | Revisions=-25% | GrowthEPS=-45.5% | GrowthRev=+42.4%
EPS next Year (2027-12-31): EPS=1.19 | Chg30d=+0.00% | Revisions=+25% | GrowthEPS=+180.2% | GrowthRev=+28.0%