View ValuationBanco Hipotecario 향후 성장Future 기준 점검 2/6Banco Hipotecario의 수익이 증가할 것으로 예상됨입니다.핵심 정보n/a이익 성장률n/aEPS 성장률Banks 이익 성장11.6%매출 성장률21.2%향후 자기자본이익률n/a애널리스트 커버리지Low마지막 업데이트11 Jun 2026최근 향후 성장 업데이트Price Target Changed • Sep 11Price target decreased by 55% to AR$250Down from AR$550, the current price target is provided by 1 analyst. New target price is 6.4% above last closing price of AR$235. Stock is down 45% over the past year. The company posted earnings per share of AR$54.47 last year.Price Target Changed • Nov 16Price target increased to AR$17.30Up from AR$14.80, the current price target is provided by 1 analyst. New target price is 56% above last closing price of AR$11.10. Stock is up 19% over the past year. The company posted a net loss per share of AR$2.86 last year.Price Target Changed • Apr 27Price target decreased to AR$8.80Down from AR$14.80, the current price target is provided by 1 analyst. New target price is 15% above last closing price of AR$7.66. Stock is down 6.7% over the past year. The company posted a net loss per share of AR$2.86 last year.모든 업데이트 보기Recent updatesNew Risk • Jun 19New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Argentinean stocks, typically moving 7.9% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (7.9% average weekly change). Minor Risks Dividend is not well covered by earnings (154% payout ratio). Profit margins are more than 30% lower than last year (5.7% net profit margin).New Risk • Jun 08New minor risk - Profit margin trendThe company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 5.7% Last year net profit margin: 8.4% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Minor Risks Dividend is not well covered by earnings (154% payout ratio). Share price has been volatile over the past 3 months (7.2% average weekly change). Profit margins are more than 30% lower than last year (5.7% net profit margin).Reported Earnings • May 28First quarter 2026 earnings released: AR$6.73 loss per share (vs AR$7.74 loss in 1Q 2025)First quarter 2026 results: AR$6.73 loss per share (improved from AR$7.74 loss in 1Q 2025). Revenue: AR$144.9b (up 86% from 1Q 2025). Net loss: AR$10.1b (loss narrowed 12% from 1Q 2025). Revenue is forecast to grow 24% p.a. on average during the next 2 years, compared to a 22% growth forecast for the Banks industry in Argentina. Over the last 3 years on average, earnings per share has fallen by 20% per year but the company’s share price has increased by 131% per year, which means it is well ahead of earnings.Valuation Update With 7 Day Price Move • May 27Investor sentiment improves as stock rises 17%After last week's 17% share price gain to AR$364, the stock trades at a trailing P/E ratio of 21.7x. Average forward P/E is 7x in the Banks industry in Argentina. Total returns to shareholders of 1,490% over the past three years.Upcoming Dividend • Mar 20Upcoming dividend of AR$4.68 per shareEligible shareholders must have bought the stock before 27 March 2026. Payment date: 30 March 2026. The company is paying out more than 100% of its profits but is generating plenty of cash to support the dividend. Trailing yield: 14%. Within top quartile of Argentinean dividend payers (8.4%). Higher than average of industry peers (7.4%).공고 • Mar 03Banco Hipotecario S.A., Annual General Meeting, Mar 30, 2026Banco Hipotecario S.A., Annual General Meeting, Mar 30, 2026. Location: held remotely, ArgentinaReported Earnings • Mar 02Full year 2025 earnings releasedFull year 2025 results: Revenue: AR$472.3b (down 36% from FY 2024). Net income: AR$25.2b (down 66% from FY 2024). Profit margin: 5.3% (down from 10% in FY 2024). The decrease in margin was driven by lower revenue. Revenue is forecast to grow 20% p.a. on average during the next 2 years, compared to a 23% growth forecast for the Banks industry in Argentina. Over the last 3 years on average, earnings per share has increased by 6% per year but the company’s share price has increased by 151% per year, which means it is tracking significantly ahead of earnings growth.Valuation Update With 7 Day Price Move • Feb 18Investor sentiment deteriorates as stock falls 15%After last week's 15% share price decline to AR$417, the stock trades at a trailing P/E ratio of 36.3x. Average forward P/E is 8x in the Banks industry in Argentina. Total returns to shareholders of 1,914% over the past three years.Upcoming Dividend • Feb 18Upcoming dividend of AR$4.68 per shareEligible shareholders must have bought the stock before 25 February 2026. Payment date: 26 February 2026. The company is paying out more than 100% of its profits and is cash flow negative. Trailing yield: 11%. Within top quartile of Argentinean dividend payers (8.5%). Higher than average of industry peers (6.0%).Upcoming Dividend • Jan 21Upcoming dividend of AR$4.68 per shareEligible shareholders must have bought the stock before 28 January 2026. Payment date: 29 January 2026. The company is paying out more than 100% of its profits and is cash flow negative. Trailing yield: 9.7%. Within top quartile of Argentinean dividend payers (8.5%). Higher than average of industry peers (6.2%).Upcoming Dividend • Dec 22Upcoming dividend of AR$4.68 per shareEligible shareholders must have bought the stock before 29 December 2025. Payment date: 30 December 2025. The company is paying out more than 100% of its profits but is generating plenty of cash to support the dividend. Trailing yield: 8.2%. Within top quartile of Argentinean dividend payers (6.6%). Higher than average of industry peers (5.8%).Valuation Update With 7 Day Price Move • Dec 03Investor sentiment improves as stock rises 15%After last week's 15% share price gain to AR$552, the stock trades at a trailing P/E ratio of 28.3x. Average forward P/E is 8x in the Banks industry in Argentina. Total returns to shareholders of 4,675% over the past three years.Reported Earnings • Nov 30Third quarter 2025 earnings released: AR$12.20 loss per share (vs AR$9.48 profit in 3Q 2024)Third quarter 2025 results: AR$12.20 loss per share (down from AR$9.48 profit in 3Q 2024). Revenue: AR$84.5b (down 36% from 3Q 2024). Net loss: AR$18.3b (down 231% from profit in 3Q 2024). Revenue is forecast to grow 24% p.a. on average during the next 3 years, compared to a 24% growth forecast for the Banks industry in Argentina. Over the last 3 years on average, earnings per share has increased by 21% per year but the company’s share price has increased by 229% per year, which means it is tracking significantly ahead of earnings growth.Upcoming Dividend • Nov 19Upcoming dividend of AR$4.68 per shareEligible shareholders must have bought the stock before 26 November 2025. Payment date: 27 November 2025. Payout ratio is a comfortable 22% but the company is not cash flow positive. Trailing yield: 4.6%. Lower than top quartile of Argentinean dividend payers (7.0%). Lower than average of industry peers (6.8%).Valuation Update With 7 Day Price Move • Nov 03Investor sentiment improves as stock rises 30%After last week's 30% share price gain to AR$462, the stock trades at a trailing P/E ratio of 11.3x. Average forward P/E is 8x in the Banks industry in Argentina. Total returns to shareholders of 4,962% over the past three years.Upcoming Dividend • Oct 22Upcoming dividend of AR$4.68 per shareEligible shareholders must have bought the stock before 29 October 2025. Payment date: 30 October 2025. Payout ratio is a comfortable 22% but the company is not cash flow positive. Trailing yield: 8.2%. Lower than top quartile of Argentinean dividend payers (9.9%). Lower than average of industry peers (10%).Valuation Update With 7 Day Price Move • Oct 13Investor sentiment improves as stock rises 17%After last week's 17% share price gain to AR$246, the stock trades at a trailing P/E ratio of 6x. Average forward P/E is 8x in the Banks industry in Argentina. Total returns to shareholders of 2,531% over the past three years.Upcoming Dividend • Sep 19Upcoming dividend of AR$4.68 per shareEligible shareholders must have bought the stock before 26 September 2025. Payment date: 29 September 2025. Payout ratio is a comfortable 22% but the company is not cash flow positive. Trailing yield: 10.0%. Lower than top quartile of Argentinean dividend payers (10%). Lower than average of industry peers (13%).Price Target Changed • Sep 11Price target decreased by 55% to AR$250Down from AR$550, the current price target is provided by 1 analyst. New target price is 6.4% above last closing price of AR$235. Stock is down 45% over the past year. The company posted earnings per share of AR$54.47 last year.Valuation Update With 7 Day Price Move • Sep 10Investor sentiment deteriorates as stock falls 20%After last week's 20% share price decline to AR$234, the stock trades at a trailing P/E ratio of 5.7x. Average forward P/E is 7x in the Banks industry in Argentina. Total returns to shareholders of 2,058% over the past three years.Reported Earnings • Aug 28Second quarter 2025 earnings released: EPS: AR$29.08 (vs AR$10.27 in 2Q 2024)Second quarter 2025 results: EPS: AR$29.08 (up from AR$10.27 in 2Q 2024). Revenue: AR$43.7b (down 75% from 2Q 2024). Net income: AR$43.6b (up 187% from 2Q 2024). Profit margin: 100% (up from 8.7% in 2Q 2024). The increase in margin was driven by lower expenses. Revenue is forecast to grow 6.7% p.a. on average during the next 3 years, compared to a 22% growth forecast for the Banks industry in Argentina. Over the last 3 years on average, earnings per share has increased by 49% per year but the company’s share price has increased by 200% per year, which means it is tracking significantly ahead of earnings growth.Valuation Update With 7 Day Price Move • Jul 28Investor sentiment improves as stock rises 17%After last week's 17% share price gain to AR$397, the stock trades at a trailing P/E ratio of 12.6x. Average forward P/E is 7x in the Banks industry in Argentina. Total returns to shareholders of 4,394% over the past three years.Upcoming Dividend • Jul 21Upcoming dividend of AR$4.76 per shareEligible shareholders must have bought the stock before 25 July 2025. Payment date: 30 July 2025. Payout ratio is a comfortable 22% and this is well supported by cash flows. Trailing yield: 5.9%. Lower than top quartile of Argentinean dividend payers (8.0%). Lower than average of industry peers (8.7%).New Risk • Jul 11New minor risk - Profit margin trendThe company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 8.4% Last year net profit margin: 13% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. This is currently the only risk that has been identified for the company.Reported Earnings • Jul 10First quarter 2025 earnings released: AR$7.21 loss per share (vs AR$11.65 profit in 1Q 2024)First quarter 2025 results: AR$7.21 loss per share (down from AR$11.65 profit in 1Q 2024). Revenue: AR$73.7b (down 68% from 1Q 2024). Net loss: AR$10.8b (down 163% from profit in 1Q 2024). Revenue is forecast to grow 13% p.a. on average during the next 3 years, compared to a 20% growth forecast for the Banks industry in Argentina. Over the last 3 years on average, earnings per share has increased by 54% per year but the company’s share price has increased by 254% per year, which means it is tracking significantly ahead of earnings growth.New Risk • Jun 08New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Argentinean stocks, typically moving 9.6% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.Reported Earnings • May 29First quarter 2025 earnings released: AR$7.21 loss per share (vs AR$11.65 profit in 1Q 2024)First quarter 2025 results: AR$7.21 loss per share (down from AR$11.65 profit in 1Q 2024). Revenue: AR$73.6b (down 68% from 1Q 2024). Net loss: AR$10.8b (down 163% from profit in 1Q 2024). Revenue is forecast to grow 26% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in Argentina. Over the last 3 years on average, earnings per share has increased by 54% per year but the company’s share price has increased by 285% per year, which means it is tracking significantly ahead of earnings growth.Valuation Update With 7 Day Price Move • Apr 25Investor sentiment improves as stock rises 16%After last week's 16% share price gain to AR$460, the stock trades at a trailing P/E ratio of 8.6x. Average trailing P/E is 13x in the Banks industry in Argentina. Total returns to shareholders of 6,431% over the past three years.New Risk • Apr 14New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Argentinean stocks, typically moving 9.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (9.2% average weekly change). Profit margins are more than 30% lower than last year (10% net profit margin).Valuation Update With 7 Day Price Move • Apr 04Investor sentiment deteriorates as stock falls 20%After last week's 20% share price decline to AR$381, the stock trades at a trailing P/E ratio of 7.1x. Average trailing P/E is 12x in the Banks industry in Argentina. Total returns to shareholders of 5,272% over the past three years.New Risk • Mar 03New minor risk - Profit margin trendThe company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 10% Last year net profit margin: 15% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. This is currently the only risk that has been identified for the company.Valuation Update With 7 Day Price Move • Dec 17Investor sentiment improves as stock rises 17%After last week's 17% share price gain to AR$550, the stock trades at a trailing P/E ratio of 13.9x. Average trailing P/E is 16x in the Banks industry in Argentina. Total returns to shareholders of 6,709% over the past three years.New Risk • Dec 05New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 21% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. Currently, the following risks have been identified for the company: Minor Risks Large one-off items impacting financial results. Shareholders have been diluted in the past year (5.6% increase in shares outstanding).Reported Earnings • Nov 29Third quarter 2024 earnings released: EPS: AR$11.43 (vs AR$1.31 in 3Q 2023)Third quarter 2024 results: EPS: AR$11.43 (up from AR$1.31 in 3Q 2023). Revenue: AR$175.3b (up 223% from 3Q 2023). Net income: AR$17.5b (up AR$15.6b from 3Q 2023). Profit margin: 10.0% (up from 3.6% in 3Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 86% per year but the company’s share price has increased by 275% per year, which means it is tracking significantly ahead of earnings growth.Reported Earnings • Aug 28Second quarter 2024 earnings released: EPS: AR$9.37 (vs AR$4.74 in 2Q 2023)Second quarter 2024 results: EPS: AR$9.37 (up from AR$4.74 in 2Q 2023). Revenue: AR$167.3b (up 154% from 2Q 2023). Net income: AR$14.4b (up 106% from 2Q 2023). Profit margin: 8.6% (down from 11% in 2Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 100% per year but the company’s share price has increased by 229% per year, which means it is tracking significantly ahead of earnings growth.Valuation Update With 7 Day Price Move • Jul 30Investor sentiment deteriorates as stock falls 20%After last week's 20% share price decline to AR$338, the stock trades at a trailing P/E ratio of 9.1x. Average trailing P/E is 10x in the Banks industry in Argentina. Total returns to shareholders of 3,950% over the past three years.Valuation Update With 7 Day Price Move • Jun 13Investor sentiment improves as stock rises 17%After last week's 17% share price gain to AR$452, the stock trades at a trailing P/E ratio of 12.2x. Average trailing P/E is 12x in the Banks industry in Argentina. Total returns to shareholders of 4,301% over the past three years.Reported Earnings • Jun 04First quarter 2024 earnings releasedFirst quarter 2024 results: Revenue: AR$193.4b (up AR$163.5b from 1Q 2023). Net income: AR$14.5b (up 221% from 1Q 2023). Profit margin: 7.5% (down from 15% in 1Q 2023). The decrease in margin was driven by higher expenses.Valuation Update With 7 Day Price Move • May 20Investor sentiment improves as stock rises 18%After last week's 18% share price gain to AR$424, the stock trades at a trailing P/E ratio of 11.5x. Average trailing P/E is 15x in the Banks industry in Argentina. Total returns to shareholders of 5,227% over the past three years.Valuation Update With 7 Day Price Move • Apr 27Investor sentiment improves as stock rises 18%After last week's 18% share price gain to AR$373, the stock trades at a trailing P/E ratio of 10.1x. Average trailing P/E is 11x in the Banks industry in Argentina. Total returns to shareholders of 4,738% over the past three years.Valuation Update With 7 Day Price Move • Apr 11Investor sentiment improves as stock rises 25%After last week's 25% share price gain to AR$354, the stock trades at a trailing P/E ratio of 9.6x. Average trailing P/E is 12x in the Banks industry in Argentina. Total returns to shareholders of 4,491% over the past three years.New Risk • Apr 08New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 4.0% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (16% average weekly change). Minor Risk Shareholders have been diluted in the past year (4.0% increase in shares outstanding).Valuation Update With 7 Day Price Move • Mar 11Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to AR$182, the stock trades at a trailing P/E ratio of 4.7x. Average trailing P/E is 9x in the Banks industry in Argentina. Total returns to shareholders of 2,038% over the past three years.Reported Earnings • Feb 28Full year 2023 earnings released: EPS: AR$38.37 (vs AR$4.11 in FY 2022)Full year 2023 results: EPS: AR$38.37 (up from AR$4.11 in FY 2022). Revenue: AR$384.7b (up 345% from FY 2022). Net income: AR$56.6b (up AR$50.5b from FY 2022). Profit margin: 15% (up from 7.0% in FY 2022). The increase in margin was driven by higher revenue. Net interest margin (NIM): 22.30% (up from 11.40% in FY 2022). Cost-to-income ratio: 37.0% (down from 45.6% in FY 2022). Non-performing loans: 2.81% (down from 5.11% in FY 2022). Over the last 3 years on average, earnings per share has increased by 120% per year but the company’s share price has increased by 187% per year, which means it is tracking significantly ahead of earnings growth.Valuation Update With 7 Day Price Move • Feb 21Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to AR$167, the stock trades at a trailing P/E ratio of 24.5x. Average trailing P/E is 22x in the Banks industry in Argentina. Total returns to shareholders of 1,809% over the past three years.Valuation Update With 7 Day Price Move • Feb 09Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to AR$205, the stock trades at a trailing P/E ratio of 30.1x. Average trailing P/E is 22x in the Banks industry in Argentina. Total returns to shareholders of 2,203% over the past three years.Valuation Update With 7 Day Price Move • Jan 25Investor sentiment improves as stock rises 19%After last week's 19% share price gain to AR$243, the stock trades at a trailing P/E ratio of 35.6x. Average trailing P/E is 27x in the Banks industry in Argentina. Total returns to shareholders of 2,568% over the past three years.New Risk • Jan 19New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Argentinean stocks, typically moving 16% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (16% average weekly change). Large one-off items impacting financial results.Valuation Update With 7 Day Price Move • Jan 10Investor sentiment improves as stock rises 20%After last week's 20% share price gain to AR$134, the stock trades at a trailing P/E ratio of 19.7x. Average trailing P/E is 18x in the Banks industry in Argentina. Total returns to shareholders of 1,306% over the past three years.Valuation Update With 7 Day Price Move • Dec 22Investor sentiment improves as stock rises 21%After last week's 21% share price gain to AR$90.20, the stock trades at a trailing P/E ratio of 13.2x. Average forward P/E is 7x in the Banks industry in Argentina. Total returns to shareholders of 878% over the past three years.New Risk • Dec 08New minor risk - Profit margin trendThe company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 9.4% Last year net profit margin: 15% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Minor Risks Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (9.4% net profit margin).Valuation Update With 7 Day Price Move • Nov 22Investor sentiment improves as stock rises 16%After last week's 16% share price gain to AR$42.50, the stock trades at a trailing P/E ratio of 7.2x. Average forward P/E is 7x in the Banks industry in Argentina. Total returns to shareholders of 315% over the past three years.New Risk • Oct 08New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 164% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. This is currently the only risk that has been identified for the company.Valuation Update With 7 Day Price Move • Sep 08Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to AR$38.90, the stock trades at a trailing P/E ratio of 6.6x. Average forward P/E is 7x in the Banks industry in Argentina. Total returns to shareholders of 244% over the past three years.Reported Earnings • Aug 31Second quarter 2023 earnings released: EPS: AR$2.72 (vs AR$0.93 in 2Q 2022)Second quarter 2023 results: EPS: AR$2.72 (up from AR$0.93 in 2Q 2022). Revenue: AR$37.8b (up 134% from 2Q 2022). Net income: AR$4.02b (up 194% from 2Q 2022). Profit margin: 11% (up from 8.5% in 2Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 82% per year but the company’s share price has only increased by 64% per year, which means it is significantly lagging earnings growth.Valuation Update With 7 Day Price Move • Aug 16Investor sentiment improves as stock rises 16%After last week's 16% share price gain to AR$41.00, the stock trades at a trailing P/E ratio of 8.3x. Average forward P/E is 7x in the Banks industry in Argentina. Total returns to shareholders of 250% over the past three years.Valuation Update With 7 Day Price Move • Jun 22Investor sentiment improves as stock rises 15%After last week's 15% share price gain to AR$36.95, the stock trades at a trailing P/E ratio of 7.4x. Average forward P/E is 7x in the Banks industry in Argentina. Total returns to shareholders of 331% over the past three years.Valuation Update With 7 Day Price Move • Jun 07Investor sentiment improves as stock rises 21%After last week's 21% share price gain to AR$30.65, the stock trades at a trailing P/E ratio of 6.2x. Average forward P/E is 6x in the Banks industry in Argentina. Total returns to shareholders of 198% over the past three years.Reported Earnings • Jun 03First quarter 2023 earnings released: EPS: AR$2.48 (vs AR$0.93 in 1Q 2022)First quarter 2023 results: EPS: AR$2.48 (up from AR$0.93 in 1Q 2022). Revenue: AR$27.8b (up 92% from 1Q 2022). Net income: AR$3.66b (up 167% from 1Q 2022). Profit margin: 13% (up from 9.4% in 1Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 76% per year but the company’s share price has only increased by 42% per year, which means it is significantly lagging earnings growth.Reported Earnings • Mar 01Full year 2022 earnings releasedFull year 2022 results: Revenue: AR$86.5b (up 218% from FY 2021). Net income: AR$6.05b (up AR$10.3b from FY 2021). Profit margin: 7.0% (up from net loss in FY 2021). The move to profitability was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 76% per year but the company’s share price has only increased by 35% per year, which means it is significantly lagging earnings growth.Valuation Update With 7 Day Price Move • Jan 09Investor sentiment improved over the past weekAfter last week's 23% share price gain to AR$23.20, the stock trades at a trailing P/E ratio of 4.5x. Average forward P/E is 7x in the Banks industry in Argentina. Total returns to shareholders of 76% over the past three years.Valuation Update With 7 Day Price Move • Dec 24Investor sentiment improved over the past weekAfter last week's 25% share price gain to AR$16.35, the stock trades at a trailing P/E ratio of 3.1x. Average forward P/E is 7x in the Banks industry in Argentina. Total returns to shareholders of 18% over the past three years.Reported Earnings • Nov 26Third quarter 2022 earnings released: EPS: AR$0.43 (vs AR$0.76 loss in 3Q 2021)Third quarter 2022 results: EPS: AR$0.43 (up from AR$0.76 loss in 3Q 2021). Revenue: AR$17.9b (up 243% from 3Q 2021). Net income: AR$627.4m (up AR$1.75b from 3Q 2021). Profit margin: 3.5% (up from net loss in 3Q 2021). The move to profitability was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 64% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.Price Target Changed • Nov 16Price target increased to AR$17.30Up from AR$14.80, the current price target is provided by 1 analyst. New target price is 56% above last closing price of AR$11.10. Stock is up 19% over the past year. The company posted a net loss per share of AR$2.86 last year.Reported Earnings • Aug 25Second quarter 2022 earnings released: EPS: AR$0.93 (vs AR$0.94 loss in 2Q 2021)Second quarter 2022 results: EPS: AR$0.93 (up from AR$0.94 loss in 2Q 2021). Revenue: AR$12.2b (up 104% from 2Q 2021). Net income: AR$1.37b (up AR$2.75b from 2Q 2021). Profit margin: 11% (up from net loss in 2Q 2021). The move to profitability was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 22% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.Price Target Changed • Apr 27Price target decreased to AR$8.80Down from AR$14.80, the current price target is provided by 1 analyst. New target price is 15% above last closing price of AR$7.66. Stock is down 6.7% over the past year. The company posted a net loss per share of AR$2.86 last year.Valuation Update With 7 Day Price Move • Jun 04Investor sentiment improved over the past weekAfter last week's 16% share price gain to AR$9.81, the stock trades at a trailing P/E ratio of 15.7x. Average trailing P/E is 9x in the Banks industry in Argentina. Total loss to shareholders of 42% over the past three years.Is New 90 Day High Low • Feb 23New 90-day low: AR$8.71The company is down 15% from its price of AR$10.25 on 24 November 2020. The Argentinean market is down 5.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is down 2.0% over the same period.Is New 90 Day High Low • Jan 09New 90-day low: AR$8.90The company is down 5.0% from its price of AR$9.41 on 09 October 2020. The Argentinean market is up 9.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 8.0% over the same period.Reported Earnings • Dec 01Third quarter 2020 earnings released: EPS AR$0.11The company reported a decent third quarter result with improved earnings and profit margins, although revenues were weaker. Third quarter 2020 results: Revenue: AR$4.82b (down 13% from 3Q 2019). Net income: AR$163.9m (up AR$565.8m from 3Q 2019). Profit margin: 3.4% (up from net loss in 3Q 2019). The move to profitability was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 31% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.이익 및 매출 성장 예측BASE:BHIP - 애널리스트 향후 추정치 및 과거 재무 데이터 (ARS Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수12/31/2027806,987N/AN/AN/A112/31/2026839,931N/AN/AN/A13/31/2026519,98729,429331,480338,367N/A12/31/2025470,29525,183187,619194,818N/A9/30/2025629,97946,324250,804261,342N/A6/30/2025720,12683,105-128,355-120,153N/A3/31/2025803,01467,704913,015922,173N/A12/31/20241,028,086106,024664,762672,999N/A9/30/2024979,409132,172-735,393-729,888N/A6/30/2024978,207119,673-894,571-887,391N/A3/31/2024960,857119,762-2,131,611-2,124,682N/A12/31/2023752,209112,588-1,651,738-1,645,521N/A9/30/2023616,37250,968-429,872-423,909N/A6/30/2023486,81146,479-148,749-144,904N/A3/31/2023349,18432,712385,922388,683N/A12/31/2022269,52818,855386,407388,251N/A9/30/2022163,2417,166151,443152,083N/A6/30/2022125,8484,55157,70958,391N/A3/31/202275,807-2,273-67,185-66,670N/A12/31/202153,026-8,184-262,943-262,360N/A9/30/202131,520-4,882-56,766-56,468N/A6/30/202133,445-3,512-70,786-70,480N/A3/31/202132,891-784-34,090-33,630N/A12/31/202029,7381,383-43,522-43,228N/A9/30/202026,250-1,509-50,366-49,925N/A6/30/202024,639-2,161-13,193-12,680N/A3/31/202024,614-3,19711,63411,804N/A12/31/201923,734-3,723N/A22,621N/A9/30/201921,231-1,343N/A25,079N/A6/30/201919,261-399N/A13,004N/A3/31/201914,684217N/A6,936N/A12/31/201813,1832,051N/A6,355N/A9/30/201813,1201,612N/A-1,909N/A6/30/201812,4471,506N/A-7,737N/A3/31/201811,9361,355N/A-3,893N/A12/31/201711,2291,130N/A-9,874N/A9/30/20179,5871,202N/A-5,354N/A6/30/20178,188870N/A-7,994N/A3/31/20177,138680N/A-11,493N/A12/31/20166,357615N/A-10,397N/A9/30/20166,5561,002N/A-8,327N/A6/30/20166,4971,116N/A-6,879N/A3/31/20166,2881,140N/A-5,222N/A12/31/20155,9221,086N/A-4,484N/A9/30/20154,891609N/A-3,343N/A더 보기애널리스트 향후 성장 전망수입 대 저축률: BHIP 의 예상 수익 증가율이 절약률(9%)보다 높은지 판단하기에는 데이터가 부족합니다.수익 vs 시장: BHIP 의 수익이 AR 시장보다 빠르게 성장할 것으로 예상되는지 판단하기에는 데이터가 부족합니다.고성장 수익: BHIP 의 수익이 향후 3년 동안 상당히 증가할 것으로 예상되는지 판단하기에는 데이터가 부족합니다.수익 대 시장: BHIP 의 수익(연간 21.2%)이 AR 시장(연간 11.3%)보다 빠르게 성장할 것으로 예상됩니다.고성장 매출: BHIP 의 수익(연간 21.2%)은 연간 20%보다 빠르게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: BHIP의 자본 수익률이 3년 후 높을 것으로 예상되는지 판단하기에 데이터가 부족합니다.성장 기업 찾아보기7D1Y7D1Y7D1YBanks 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/08/23 15:14종가2026/08/21 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Banco Hipotecario S.A.는 1명의 분석가가 다루고 있습니다. 이 중 1명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Brian FloresCitigroup Inc
Price Target Changed • Sep 11Price target decreased by 55% to AR$250Down from AR$550, the current price target is provided by 1 analyst. New target price is 6.4% above last closing price of AR$235. Stock is down 45% over the past year. The company posted earnings per share of AR$54.47 last year.
Price Target Changed • Nov 16Price target increased to AR$17.30Up from AR$14.80, the current price target is provided by 1 analyst. New target price is 56% above last closing price of AR$11.10. Stock is up 19% over the past year. The company posted a net loss per share of AR$2.86 last year.
Price Target Changed • Apr 27Price target decreased to AR$8.80Down from AR$14.80, the current price target is provided by 1 analyst. New target price is 15% above last closing price of AR$7.66. Stock is down 6.7% over the past year. The company posted a net loss per share of AR$2.86 last year.
New Risk • Jun 19New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Argentinean stocks, typically moving 7.9% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (7.9% average weekly change). Minor Risks Dividend is not well covered by earnings (154% payout ratio). Profit margins are more than 30% lower than last year (5.7% net profit margin).
New Risk • Jun 08New minor risk - Profit margin trendThe company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 5.7% Last year net profit margin: 8.4% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Minor Risks Dividend is not well covered by earnings (154% payout ratio). Share price has been volatile over the past 3 months (7.2% average weekly change). Profit margins are more than 30% lower than last year (5.7% net profit margin).
Reported Earnings • May 28First quarter 2026 earnings released: AR$6.73 loss per share (vs AR$7.74 loss in 1Q 2025)First quarter 2026 results: AR$6.73 loss per share (improved from AR$7.74 loss in 1Q 2025). Revenue: AR$144.9b (up 86% from 1Q 2025). Net loss: AR$10.1b (loss narrowed 12% from 1Q 2025). Revenue is forecast to grow 24% p.a. on average during the next 2 years, compared to a 22% growth forecast for the Banks industry in Argentina. Over the last 3 years on average, earnings per share has fallen by 20% per year but the company’s share price has increased by 131% per year, which means it is well ahead of earnings.
Valuation Update With 7 Day Price Move • May 27Investor sentiment improves as stock rises 17%After last week's 17% share price gain to AR$364, the stock trades at a trailing P/E ratio of 21.7x. Average forward P/E is 7x in the Banks industry in Argentina. Total returns to shareholders of 1,490% over the past three years.
Upcoming Dividend • Mar 20Upcoming dividend of AR$4.68 per shareEligible shareholders must have bought the stock before 27 March 2026. Payment date: 30 March 2026. The company is paying out more than 100% of its profits but is generating plenty of cash to support the dividend. Trailing yield: 14%. Within top quartile of Argentinean dividend payers (8.4%). Higher than average of industry peers (7.4%).
공고 • Mar 03Banco Hipotecario S.A., Annual General Meeting, Mar 30, 2026Banco Hipotecario S.A., Annual General Meeting, Mar 30, 2026. Location: held remotely, Argentina
Reported Earnings • Mar 02Full year 2025 earnings releasedFull year 2025 results: Revenue: AR$472.3b (down 36% from FY 2024). Net income: AR$25.2b (down 66% from FY 2024). Profit margin: 5.3% (down from 10% in FY 2024). The decrease in margin was driven by lower revenue. Revenue is forecast to grow 20% p.a. on average during the next 2 years, compared to a 23% growth forecast for the Banks industry in Argentina. Over the last 3 years on average, earnings per share has increased by 6% per year but the company’s share price has increased by 151% per year, which means it is tracking significantly ahead of earnings growth.
Valuation Update With 7 Day Price Move • Feb 18Investor sentiment deteriorates as stock falls 15%After last week's 15% share price decline to AR$417, the stock trades at a trailing P/E ratio of 36.3x. Average forward P/E is 8x in the Banks industry in Argentina. Total returns to shareholders of 1,914% over the past three years.
Upcoming Dividend • Feb 18Upcoming dividend of AR$4.68 per shareEligible shareholders must have bought the stock before 25 February 2026. Payment date: 26 February 2026. The company is paying out more than 100% of its profits and is cash flow negative. Trailing yield: 11%. Within top quartile of Argentinean dividend payers (8.5%). Higher than average of industry peers (6.0%).
Upcoming Dividend • Jan 21Upcoming dividend of AR$4.68 per shareEligible shareholders must have bought the stock before 28 January 2026. Payment date: 29 January 2026. The company is paying out more than 100% of its profits and is cash flow negative. Trailing yield: 9.7%. Within top quartile of Argentinean dividend payers (8.5%). Higher than average of industry peers (6.2%).
Upcoming Dividend • Dec 22Upcoming dividend of AR$4.68 per shareEligible shareholders must have bought the stock before 29 December 2025. Payment date: 30 December 2025. The company is paying out more than 100% of its profits but is generating plenty of cash to support the dividend. Trailing yield: 8.2%. Within top quartile of Argentinean dividend payers (6.6%). Higher than average of industry peers (5.8%).
Valuation Update With 7 Day Price Move • Dec 03Investor sentiment improves as stock rises 15%After last week's 15% share price gain to AR$552, the stock trades at a trailing P/E ratio of 28.3x. Average forward P/E is 8x in the Banks industry in Argentina. Total returns to shareholders of 4,675% over the past three years.
Reported Earnings • Nov 30Third quarter 2025 earnings released: AR$12.20 loss per share (vs AR$9.48 profit in 3Q 2024)Third quarter 2025 results: AR$12.20 loss per share (down from AR$9.48 profit in 3Q 2024). Revenue: AR$84.5b (down 36% from 3Q 2024). Net loss: AR$18.3b (down 231% from profit in 3Q 2024). Revenue is forecast to grow 24% p.a. on average during the next 3 years, compared to a 24% growth forecast for the Banks industry in Argentina. Over the last 3 years on average, earnings per share has increased by 21% per year but the company’s share price has increased by 229% per year, which means it is tracking significantly ahead of earnings growth.
Upcoming Dividend • Nov 19Upcoming dividend of AR$4.68 per shareEligible shareholders must have bought the stock before 26 November 2025. Payment date: 27 November 2025. Payout ratio is a comfortable 22% but the company is not cash flow positive. Trailing yield: 4.6%. Lower than top quartile of Argentinean dividend payers (7.0%). Lower than average of industry peers (6.8%).
Valuation Update With 7 Day Price Move • Nov 03Investor sentiment improves as stock rises 30%After last week's 30% share price gain to AR$462, the stock trades at a trailing P/E ratio of 11.3x. Average forward P/E is 8x in the Banks industry in Argentina. Total returns to shareholders of 4,962% over the past three years.
Upcoming Dividend • Oct 22Upcoming dividend of AR$4.68 per shareEligible shareholders must have bought the stock before 29 October 2025. Payment date: 30 October 2025. Payout ratio is a comfortable 22% but the company is not cash flow positive. Trailing yield: 8.2%. Lower than top quartile of Argentinean dividend payers (9.9%). Lower than average of industry peers (10%).
Valuation Update With 7 Day Price Move • Oct 13Investor sentiment improves as stock rises 17%After last week's 17% share price gain to AR$246, the stock trades at a trailing P/E ratio of 6x. Average forward P/E is 8x in the Banks industry in Argentina. Total returns to shareholders of 2,531% over the past three years.
Upcoming Dividend • Sep 19Upcoming dividend of AR$4.68 per shareEligible shareholders must have bought the stock before 26 September 2025. Payment date: 29 September 2025. Payout ratio is a comfortable 22% but the company is not cash flow positive. Trailing yield: 10.0%. Lower than top quartile of Argentinean dividend payers (10%). Lower than average of industry peers (13%).
Price Target Changed • Sep 11Price target decreased by 55% to AR$250Down from AR$550, the current price target is provided by 1 analyst. New target price is 6.4% above last closing price of AR$235. Stock is down 45% over the past year. The company posted earnings per share of AR$54.47 last year.
Valuation Update With 7 Day Price Move • Sep 10Investor sentiment deteriorates as stock falls 20%After last week's 20% share price decline to AR$234, the stock trades at a trailing P/E ratio of 5.7x. Average forward P/E is 7x in the Banks industry in Argentina. Total returns to shareholders of 2,058% over the past three years.
Reported Earnings • Aug 28Second quarter 2025 earnings released: EPS: AR$29.08 (vs AR$10.27 in 2Q 2024)Second quarter 2025 results: EPS: AR$29.08 (up from AR$10.27 in 2Q 2024). Revenue: AR$43.7b (down 75% from 2Q 2024). Net income: AR$43.6b (up 187% from 2Q 2024). Profit margin: 100% (up from 8.7% in 2Q 2024). The increase in margin was driven by lower expenses. Revenue is forecast to grow 6.7% p.a. on average during the next 3 years, compared to a 22% growth forecast for the Banks industry in Argentina. Over the last 3 years on average, earnings per share has increased by 49% per year but the company’s share price has increased by 200% per year, which means it is tracking significantly ahead of earnings growth.
Valuation Update With 7 Day Price Move • Jul 28Investor sentiment improves as stock rises 17%After last week's 17% share price gain to AR$397, the stock trades at a trailing P/E ratio of 12.6x. Average forward P/E is 7x in the Banks industry in Argentina. Total returns to shareholders of 4,394% over the past three years.
Upcoming Dividend • Jul 21Upcoming dividend of AR$4.76 per shareEligible shareholders must have bought the stock before 25 July 2025. Payment date: 30 July 2025. Payout ratio is a comfortable 22% and this is well supported by cash flows. Trailing yield: 5.9%. Lower than top quartile of Argentinean dividend payers (8.0%). Lower than average of industry peers (8.7%).
New Risk • Jul 11New minor risk - Profit margin trendThe company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 8.4% Last year net profit margin: 13% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. This is currently the only risk that has been identified for the company.
Reported Earnings • Jul 10First quarter 2025 earnings released: AR$7.21 loss per share (vs AR$11.65 profit in 1Q 2024)First quarter 2025 results: AR$7.21 loss per share (down from AR$11.65 profit in 1Q 2024). Revenue: AR$73.7b (down 68% from 1Q 2024). Net loss: AR$10.8b (down 163% from profit in 1Q 2024). Revenue is forecast to grow 13% p.a. on average during the next 3 years, compared to a 20% growth forecast for the Banks industry in Argentina. Over the last 3 years on average, earnings per share has increased by 54% per year but the company’s share price has increased by 254% per year, which means it is tracking significantly ahead of earnings growth.
New Risk • Jun 08New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Argentinean stocks, typically moving 9.6% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.
Reported Earnings • May 29First quarter 2025 earnings released: AR$7.21 loss per share (vs AR$11.65 profit in 1Q 2024)First quarter 2025 results: AR$7.21 loss per share (down from AR$11.65 profit in 1Q 2024). Revenue: AR$73.6b (down 68% from 1Q 2024). Net loss: AR$10.8b (down 163% from profit in 1Q 2024). Revenue is forecast to grow 26% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Banks industry in Argentina. Over the last 3 years on average, earnings per share has increased by 54% per year but the company’s share price has increased by 285% per year, which means it is tracking significantly ahead of earnings growth.
Valuation Update With 7 Day Price Move • Apr 25Investor sentiment improves as stock rises 16%After last week's 16% share price gain to AR$460, the stock trades at a trailing P/E ratio of 8.6x. Average trailing P/E is 13x in the Banks industry in Argentina. Total returns to shareholders of 6,431% over the past three years.
New Risk • Apr 14New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Argentinean stocks, typically moving 9.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (9.2% average weekly change). Profit margins are more than 30% lower than last year (10% net profit margin).
Valuation Update With 7 Day Price Move • Apr 04Investor sentiment deteriorates as stock falls 20%After last week's 20% share price decline to AR$381, the stock trades at a trailing P/E ratio of 7.1x. Average trailing P/E is 12x in the Banks industry in Argentina. Total returns to shareholders of 5,272% over the past three years.
New Risk • Mar 03New minor risk - Profit margin trendThe company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 10% Last year net profit margin: 15% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. This is currently the only risk that has been identified for the company.
Valuation Update With 7 Day Price Move • Dec 17Investor sentiment improves as stock rises 17%After last week's 17% share price gain to AR$550, the stock trades at a trailing P/E ratio of 13.9x. Average trailing P/E is 16x in the Banks industry in Argentina. Total returns to shareholders of 6,709% over the past three years.
New Risk • Dec 05New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 21% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. Currently, the following risks have been identified for the company: Minor Risks Large one-off items impacting financial results. Shareholders have been diluted in the past year (5.6% increase in shares outstanding).
Reported Earnings • Nov 29Third quarter 2024 earnings released: EPS: AR$11.43 (vs AR$1.31 in 3Q 2023)Third quarter 2024 results: EPS: AR$11.43 (up from AR$1.31 in 3Q 2023). Revenue: AR$175.3b (up 223% from 3Q 2023). Net income: AR$17.5b (up AR$15.6b from 3Q 2023). Profit margin: 10.0% (up from 3.6% in 3Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 86% per year but the company’s share price has increased by 275% per year, which means it is tracking significantly ahead of earnings growth.
Reported Earnings • Aug 28Second quarter 2024 earnings released: EPS: AR$9.37 (vs AR$4.74 in 2Q 2023)Second quarter 2024 results: EPS: AR$9.37 (up from AR$4.74 in 2Q 2023). Revenue: AR$167.3b (up 154% from 2Q 2023). Net income: AR$14.4b (up 106% from 2Q 2023). Profit margin: 8.6% (down from 11% in 2Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 100% per year but the company’s share price has increased by 229% per year, which means it is tracking significantly ahead of earnings growth.
Valuation Update With 7 Day Price Move • Jul 30Investor sentiment deteriorates as stock falls 20%After last week's 20% share price decline to AR$338, the stock trades at a trailing P/E ratio of 9.1x. Average trailing P/E is 10x in the Banks industry in Argentina. Total returns to shareholders of 3,950% over the past three years.
Valuation Update With 7 Day Price Move • Jun 13Investor sentiment improves as stock rises 17%After last week's 17% share price gain to AR$452, the stock trades at a trailing P/E ratio of 12.2x. Average trailing P/E is 12x in the Banks industry in Argentina. Total returns to shareholders of 4,301% over the past three years.
Reported Earnings • Jun 04First quarter 2024 earnings releasedFirst quarter 2024 results: Revenue: AR$193.4b (up AR$163.5b from 1Q 2023). Net income: AR$14.5b (up 221% from 1Q 2023). Profit margin: 7.5% (down from 15% in 1Q 2023). The decrease in margin was driven by higher expenses.
Valuation Update With 7 Day Price Move • May 20Investor sentiment improves as stock rises 18%After last week's 18% share price gain to AR$424, the stock trades at a trailing P/E ratio of 11.5x. Average trailing P/E is 15x in the Banks industry in Argentina. Total returns to shareholders of 5,227% over the past three years.
Valuation Update With 7 Day Price Move • Apr 27Investor sentiment improves as stock rises 18%After last week's 18% share price gain to AR$373, the stock trades at a trailing P/E ratio of 10.1x. Average trailing P/E is 11x in the Banks industry in Argentina. Total returns to shareholders of 4,738% over the past three years.
Valuation Update With 7 Day Price Move • Apr 11Investor sentiment improves as stock rises 25%After last week's 25% share price gain to AR$354, the stock trades at a trailing P/E ratio of 9.6x. Average trailing P/E is 12x in the Banks industry in Argentina. Total returns to shareholders of 4,491% over the past three years.
New Risk • Apr 08New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 4.0% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (16% average weekly change). Minor Risk Shareholders have been diluted in the past year (4.0% increase in shares outstanding).
Valuation Update With 7 Day Price Move • Mar 11Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to AR$182, the stock trades at a trailing P/E ratio of 4.7x. Average trailing P/E is 9x in the Banks industry in Argentina. Total returns to shareholders of 2,038% over the past three years.
Reported Earnings • Feb 28Full year 2023 earnings released: EPS: AR$38.37 (vs AR$4.11 in FY 2022)Full year 2023 results: EPS: AR$38.37 (up from AR$4.11 in FY 2022). Revenue: AR$384.7b (up 345% from FY 2022). Net income: AR$56.6b (up AR$50.5b from FY 2022). Profit margin: 15% (up from 7.0% in FY 2022). The increase in margin was driven by higher revenue. Net interest margin (NIM): 22.30% (up from 11.40% in FY 2022). Cost-to-income ratio: 37.0% (down from 45.6% in FY 2022). Non-performing loans: 2.81% (down from 5.11% in FY 2022). Over the last 3 years on average, earnings per share has increased by 120% per year but the company’s share price has increased by 187% per year, which means it is tracking significantly ahead of earnings growth.
Valuation Update With 7 Day Price Move • Feb 21Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to AR$167, the stock trades at a trailing P/E ratio of 24.5x. Average trailing P/E is 22x in the Banks industry in Argentina. Total returns to shareholders of 1,809% over the past three years.
Valuation Update With 7 Day Price Move • Feb 09Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to AR$205, the stock trades at a trailing P/E ratio of 30.1x. Average trailing P/E is 22x in the Banks industry in Argentina. Total returns to shareholders of 2,203% over the past three years.
Valuation Update With 7 Day Price Move • Jan 25Investor sentiment improves as stock rises 19%After last week's 19% share price gain to AR$243, the stock trades at a trailing P/E ratio of 35.6x. Average trailing P/E is 27x in the Banks industry in Argentina. Total returns to shareholders of 2,568% over the past three years.
New Risk • Jan 19New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Argentinean stocks, typically moving 16% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (16% average weekly change). Large one-off items impacting financial results.
Valuation Update With 7 Day Price Move • Jan 10Investor sentiment improves as stock rises 20%After last week's 20% share price gain to AR$134, the stock trades at a trailing P/E ratio of 19.7x. Average trailing P/E is 18x in the Banks industry in Argentina. Total returns to shareholders of 1,306% over the past three years.
Valuation Update With 7 Day Price Move • Dec 22Investor sentiment improves as stock rises 21%After last week's 21% share price gain to AR$90.20, the stock trades at a trailing P/E ratio of 13.2x. Average forward P/E is 7x in the Banks industry in Argentina. Total returns to shareholders of 878% over the past three years.
New Risk • Dec 08New minor risk - Profit margin trendThe company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 9.4% Last year net profit margin: 15% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Minor Risks Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (9.4% net profit margin).
Valuation Update With 7 Day Price Move • Nov 22Investor sentiment improves as stock rises 16%After last week's 16% share price gain to AR$42.50, the stock trades at a trailing P/E ratio of 7.2x. Average forward P/E is 7x in the Banks industry in Argentina. Total returns to shareholders of 315% over the past three years.
New Risk • Oct 08New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 164% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. This is currently the only risk that has been identified for the company.
Valuation Update With 7 Day Price Move • Sep 08Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to AR$38.90, the stock trades at a trailing P/E ratio of 6.6x. Average forward P/E is 7x in the Banks industry in Argentina. Total returns to shareholders of 244% over the past three years.
Reported Earnings • Aug 31Second quarter 2023 earnings released: EPS: AR$2.72 (vs AR$0.93 in 2Q 2022)Second quarter 2023 results: EPS: AR$2.72 (up from AR$0.93 in 2Q 2022). Revenue: AR$37.8b (up 134% from 2Q 2022). Net income: AR$4.02b (up 194% from 2Q 2022). Profit margin: 11% (up from 8.5% in 2Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 82% per year but the company’s share price has only increased by 64% per year, which means it is significantly lagging earnings growth.
Valuation Update With 7 Day Price Move • Aug 16Investor sentiment improves as stock rises 16%After last week's 16% share price gain to AR$41.00, the stock trades at a trailing P/E ratio of 8.3x. Average forward P/E is 7x in the Banks industry in Argentina. Total returns to shareholders of 250% over the past three years.
Valuation Update With 7 Day Price Move • Jun 22Investor sentiment improves as stock rises 15%After last week's 15% share price gain to AR$36.95, the stock trades at a trailing P/E ratio of 7.4x. Average forward P/E is 7x in the Banks industry in Argentina. Total returns to shareholders of 331% over the past three years.
Valuation Update With 7 Day Price Move • Jun 07Investor sentiment improves as stock rises 21%After last week's 21% share price gain to AR$30.65, the stock trades at a trailing P/E ratio of 6.2x. Average forward P/E is 6x in the Banks industry in Argentina. Total returns to shareholders of 198% over the past three years.
Reported Earnings • Jun 03First quarter 2023 earnings released: EPS: AR$2.48 (vs AR$0.93 in 1Q 2022)First quarter 2023 results: EPS: AR$2.48 (up from AR$0.93 in 1Q 2022). Revenue: AR$27.8b (up 92% from 1Q 2022). Net income: AR$3.66b (up 167% from 1Q 2022). Profit margin: 13% (up from 9.4% in 1Q 2022). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 76% per year but the company’s share price has only increased by 42% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Mar 01Full year 2022 earnings releasedFull year 2022 results: Revenue: AR$86.5b (up 218% from FY 2021). Net income: AR$6.05b (up AR$10.3b from FY 2021). Profit margin: 7.0% (up from net loss in FY 2021). The move to profitability was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 76% per year but the company’s share price has only increased by 35% per year, which means it is significantly lagging earnings growth.
Valuation Update With 7 Day Price Move • Jan 09Investor sentiment improved over the past weekAfter last week's 23% share price gain to AR$23.20, the stock trades at a trailing P/E ratio of 4.5x. Average forward P/E is 7x in the Banks industry in Argentina. Total returns to shareholders of 76% over the past three years.
Valuation Update With 7 Day Price Move • Dec 24Investor sentiment improved over the past weekAfter last week's 25% share price gain to AR$16.35, the stock trades at a trailing P/E ratio of 3.1x. Average forward P/E is 7x in the Banks industry in Argentina. Total returns to shareholders of 18% over the past three years.
Reported Earnings • Nov 26Third quarter 2022 earnings released: EPS: AR$0.43 (vs AR$0.76 loss in 3Q 2021)Third quarter 2022 results: EPS: AR$0.43 (up from AR$0.76 loss in 3Q 2021). Revenue: AR$17.9b (up 243% from 3Q 2021). Net income: AR$627.4m (up AR$1.75b from 3Q 2021). Profit margin: 3.5% (up from net loss in 3Q 2021). The move to profitability was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 64% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.
Price Target Changed • Nov 16Price target increased to AR$17.30Up from AR$14.80, the current price target is provided by 1 analyst. New target price is 56% above last closing price of AR$11.10. Stock is up 19% over the past year. The company posted a net loss per share of AR$2.86 last year.
Reported Earnings • Aug 25Second quarter 2022 earnings released: EPS: AR$0.93 (vs AR$0.94 loss in 2Q 2021)Second quarter 2022 results: EPS: AR$0.93 (up from AR$0.94 loss in 2Q 2021). Revenue: AR$12.2b (up 104% from 2Q 2021). Net income: AR$1.37b (up AR$2.75b from 2Q 2021). Profit margin: 11% (up from net loss in 2Q 2021). The move to profitability was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 22% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.
Price Target Changed • Apr 27Price target decreased to AR$8.80Down from AR$14.80, the current price target is provided by 1 analyst. New target price is 15% above last closing price of AR$7.66. Stock is down 6.7% over the past year. The company posted a net loss per share of AR$2.86 last year.
Valuation Update With 7 Day Price Move • Jun 04Investor sentiment improved over the past weekAfter last week's 16% share price gain to AR$9.81, the stock trades at a trailing P/E ratio of 15.7x. Average trailing P/E is 9x in the Banks industry in Argentina. Total loss to shareholders of 42% over the past three years.
Is New 90 Day High Low • Feb 23New 90-day low: AR$8.71The company is down 15% from its price of AR$10.25 on 24 November 2020. The Argentinean market is down 5.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is down 2.0% over the same period.
Is New 90 Day High Low • Jan 09New 90-day low: AR$8.90The company is down 5.0% from its price of AR$9.41 on 09 October 2020. The Argentinean market is up 9.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 8.0% over the same period.
Reported Earnings • Dec 01Third quarter 2020 earnings released: EPS AR$0.11The company reported a decent third quarter result with improved earnings and profit margins, although revenues were weaker. Third quarter 2020 results: Revenue: AR$4.82b (down 13% from 3Q 2019). Net income: AR$163.9m (up AR$565.8m from 3Q 2019). Profit margin: 3.4% (up from net loss in 3Q 2019). The move to profitability was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 31% per year but the company’s share price has fallen by 3% per year, which means it is significantly lagging earnings.