BBAR Stock Analysis: BBVA Banco Frances | NYSE
Banks - Regional | NYSE, USA | Market Cap: 2.910m USD | 12M Return: 45.7% | US0589341009 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 7.84M
EPS Trend: -46.1%
Qual. Beats: 0
Rev. Trend: 48.4%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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: 338b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 22.94 > 1.0 |
| NWC/Revenue: -245.0% < 20% (prev -197.4%; Δ -47.60% < -1%) |
| CFO/TA 0.07 > 3% & CFO 2083b > Net Income 338b |
| Net Debt (-1086b) to EBITDA (590b): -1.84 < 3 |
| Current Ratio: 0.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (204.3m) vs 12m ago -0.38% < -2% |
| Gross Margin: 49.89% > 18% (prev 60.58%; Δ -10.69% > 0.5%) |
| Asset Turnover: 26.88% > 50% (prev 24.71%; Δ 2.17% > 0%) |
| Interest Coverage Ratio: 0.16 > 6 (EBIT TTM 470b / Interest Expense TTM 2961b) |
| A: -0.55 (Total Current Assets 2629b - Total Current Liabilities 18315b) / Total Assets 28368b |
| B: 0.01 (Retained Earnings 210b / Total Assets 28368b) |
| C: 0.02 (EBIT TTM 470b / Avg Total Assets 23816b) |
| D: 0.17 (Book Value of Equity 4188b / Total Liabilities 24006b) |
| Altman-Z'' = -3.29 = D |
| DSRI: 0.10 (Receivables 743.9m/225b, Revenue 6402b/4761b) |
| GMI: 1.21 (GM 60.58% / 49.89%) |
| AQI: 1.13 (AQ_t 0.87 / AQ_t-1 0.77) |
| SGI: 1.34 (Revenue 6402b / 4761b) |
| TATA: -0.06 (NI 338b - CFO 2083b) / TA 28368b) |
| Beneish M = -3.26 (Cap -4..+1) = AA |
As of September 27, 2026, the stock is trading at USD 13.15 with a total of 344,083 shares traded. Over the past week, the price has changed by -7.72%, over one month by -11.15%, over three months by -30.45% and over the past year by +45.66%.
Current recommended Stop Loss: 12.30 (which is 6.5% or 1.3 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 | 25 | 90.1% |
Market Cap ARS = 4412b (2.91b USD * 1516.0 USD.ARS)
P/E Trailing = 13.1944
P/E Forward = 3.2185
P/S = 0.0009
P/B = 1.0747
P/EG = 4.374
Revenue TTM = 6402b ARS
EBIT TTM = 470b ARS
EBITDA TTM = 590b ARS
Long Term Debt = 857b ARS (from longTermDebt, last quarter)
Short Term Debt = 693b ARS (from shortTermDebt, last quarter)
Debt = 1543b ARS (from shortLongTermDebtTotal, last quarter) + Leases 52.1b
Net Debt = -1086b ARS (calculated: Debt 1543b - CCE 2629b)
Enterprise Value = 3326b ARS (4412b + Debt 1543b - CCE 2629b)
Interest Coverage Ratio = 0.16 (Ebit TTM 470b / Interest Expense TTM 2961b)
EV/FCF = 1.83x (Enterprise Value 3326b / FCF TTM 1813b)
FCF Yield = 54.51% (FCF TTM 1813b / Enterprise Value 3326b)
FCF Margin = 28.32% (FCF TTM 1813b / Revenue TTM 6402b)
Net Margin = 5.28% (Net Income TTM 338b / Revenue TTM 6402b)
Gross Margin = 49.89% ((Revenue TTM 6402b - Cost of Revenue TTM 3208b) / Revenue TTM)
Gross Margin QoQ = 47.00% (prev 70.50%)
Tobins Q-Ratio = 0.12 (Enterprise Value 3326b / Total Assets 28368b)
Interest Expense / Debt = 191.9% (Interest Expense 2961b / Debt 1543b)
Taxrate = 15.51% (82.2b / 530b)
NOPAT = 397b (EBIT 470b * (1 - 15.51%))
Current Ratio = 0.14 (Total Current Assets 2629b / Total Current Liabilities 18315b)
Debt / Equity = 0.37 (Debt 1543b / totalStockholderEquity, last quarter 4188b)
Debt / EBITDA = -1.84 (Net Debt -1086b / EBITDA 590b)
Debt / FCF = -0.60 (Net Debt -1086b / FCF TTM 1813b)
Total Stockholder Equity = 3365b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.42% (Net Income 338b / Total Assets 28368b)
RoE = 10.04% (Net Income TTM 338b / Total Stockholder Equity 3365b)
RoCE = 11.13% (EBIT 470b / Capital Employed (Equity 3365b + L.T.Debt 857b))
RoIC = 1.42% (NOPAT 397b / Invested Capital 28048b)
WACC = 6.88% (E(4412b)/V(5955b) * Re(9.28%) + (debt cost/tax rate unavailable))
Discount Rate = 9.28% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -5.57 | Cagr: 0.00%
[DCF] Terminal Value 75.44% ; FCFF base≈1813b ; Y1≈1821b ; Y5≈1928b
[DCF] Fair Price = 152k (EV 29995b - Net Debt -1086b = Equity 31081b / Shares 204.2m; r=8.35% [WACC [floored]]; 5y FCF grow 0.0% → 2.50% )
[DCF] Fair Price = 152k (out of range, set to none)
EPS Correlation: -46.13 | EPS CAGR: -11.67% | SUE: 0.19 | # QB: 0
Revenue Correlation: 48.39 | Revenue CAGR: 12.95% | SUE: 0.67 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.47 | Chg30d=N/A | Revisions=+0% | Analysts=1
EPS current Year (2026-12-31): EPS=0.39 | Chg30d=-7.55% | Revisions=-25% | GrowthEPS=-49.6% | GrowthRev=+52.0%
EPS next Year (2027-12-31): EPS=1.10 | Chg30d=-7.49% | Revisions=-25% | GrowthEPS=+180.4% | GrowthRev=+20.4%