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BPAN4: Full Takeover And Meeting Outcomes Will Shape Balanced Outlook

Digital Banking And AI Automation Will Unlock Long-Term Potential

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BPAN4
AnalystConsensusTarget
Not Invested
Published 09 Feb 2025

Update shared on 09 Dec 2025

Fair value Increased 3.09%
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AnalystConsensusTarget's Fair Value
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1Y
62.4%
7D
-4.5%

Analysts have modestly raised their price target on Banco Pan to R$10.68 from R$10.36, reflecting slightly stronger expectations for revenue growth and valuation multiples despite a largely unchanged risk and profitability outlook.

What's in the News

  • Banco Pan has scheduled a Special and Extraordinary Shareholders Meeting for December 9, 2025, in São Paulo to deliberate corporate matters requiring shareholder approval (Key Developments).
  • Banco BTG Pactual S.A. has proposed to acquire the remaining 44.4% stake in Banco Pan S.A. for BRL 5.6 billion, in a share swap offering 0.125 BTG Pactual share for each Banco Pan share (Key Developments).
  • Following completion of the proposed transaction, Banco BTG Pactual S.A. would hold 100% ownership of Banco Pan S.A., consolidating full control of the bank (Key Developments).
  • The acquisition remains subject to regulatory clearance by the Brazilian central bank and approval by shareholders of Banco BTG Pactual S.A. (Key Developments).

Valuation Changes

  • Fair Value: Increased slightly to R$10.68 from R$10.36. This reflects a modest upward revision in the bank's estimated intrinsic value.
  • Discount Rate: Edged down marginally to 20.28 percent from 20.29 percent. This signals a barely lower required return in the valuation model.
  • Revenue Growth: Risen slightly to 19.95 percent from 19.84 percent. This indicates a small improvement in expected topline expansion.
  • Net Profit Margin: Eased marginally to 9.48 percent from 9.50 percent. This implies a slightly lower projected profitability level.
  • Future P/E: Increased modestly to 13.46x from 13.05x. This suggests a somewhat higher valuation multiple applied to forward earnings.

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Disclaimer

AnalystConsensusTarget is a tool utilizing a Large Language Model (LLM) that ingests data on consensus price targets, forecasted revenue and earnings figures, as well as the transcripts of earnings calls to produce qualitative analysis. The narratives produced by AnalystConsensusTarget are general in nature and are based solely on analyst data and publicly-available material published by the respective companies. These scenarios are not indicative of the company's future performance and are exploratory in nature. Simply Wall St has no position in the company(s) mentioned. Simply Wall St may provide the securities issuer or related entities with website advertising services for a fee, on an arm's length basis. These relationships have no impact on the way we conduct our business, the content we host, or how our content is served to users. The price targets and estimates used are consensus data, and do not constitute a recommendation to buy or sell any stock, and they do not take account of your objectives, or your financial situation. Note that AnalystConsensusTarget's analysis may not factor in the latest price-sensitive company announcements or qualitative material.