BPAN4 Share Price Performance
R$11.22
4.31 (62.37%)
40.3% overvalued intrinsic discount
R$8.00
Fair Value
Price R$11.22
AnalystLowTarget R$8.00
AnalystConsensusTarget R$10.68
AnalystHighTarget R$12.00
Fair ValueR$8.00
Share Pricen/a
Banco Pan S.A. Stock Price
- 3 Narratives written by author
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- 2 Fair Values set on narratives written by author
BPAN4 Community Narratives
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Fair Value R$8 40.3% overvalued intrinsic discount
Brazil Economic Turbulence And Fintech Rivalry Will Erode Market Position
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Fair Value R$10.68 5.1% overvalued intrinsic discount
Digital Banking And AI Automation Will Unlock Long-Term Potential
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Fair Value R$12 6.5% undervalued intrinsic discount
Digital Banking And Financial Inclusion Will Expand Brazil Market
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Digital Banking And AI Automation Will Unlock Long-Term Potential
Key Takeaways Expanding digital services and AI-driven operations are boosting customer growth, efficiency, and cross-selling potential, supporting long-term revenue and margin gains. Strategic partnerships and regulatory advances enhance innovation, lower funding costs, and open up broader, more profitable market opportunities.Read more
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AN
R$10.68
5.1% overvalued intrinsic discount
AnalystConsensusTarget's Fair Value
Revenue
19.95% p.a.
Profit Margin
9.48%
Future PE
13.46x
Price in 2028
R$18.58
Brazil Economic Turbulence And Fintech Rivalry Will Erode Market Position
Key Takeaways Digital disruption and rising fintech competition threaten Banco Pan's core segments, pressuring fees, margins, and customer retention. Heavy reliance on subprime lending and challenging macroeconomic conditions raise credit risk, worsening profitability and limiting growth prospects.Read more
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AN
R$8
40.3% overvalued intrinsic discount
AnalystLowTarget's Fair Value
Revenue
16.45% p.a.
Profit Margin
13.8%
Future PE
8.95x
Price in 2028
R$13.84
Digital Banking And Financial Inclusion Will Expand Brazil Market
Key Takeaways Aggressive use of AI and advanced analytics is expected to unlock major efficiency gains, improve risk management, and drive margins above peers. Digital distribution, proprietary risk models, and cross-sell strength position Banco Pan to outgrow rivals in underbanked segments and expand revenue through product diversification.Read more
3
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AN
R$12
6.5% undervalued intrinsic discount
AnalystHighTarget's Fair Value
Revenue
35.08% p.a.
Profit Margin
8.84%
Future PE
13.43x
Price in 2028
R$20.77
Trending Discussion
Recently Updated Narratives
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BPAN4: Full Takeover And Meeting Outcomes Will Shape Balanced Outlook
Fair Value: R$10.68 5.1% overvalued intrinsic discount
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Brazil Economic Turbulence And Fintech Rivalry Will Erode Market Position
Fair Value: R$8 40.3% overvalued intrinsic discount
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AN
Digital Banking And Financial Inclusion Will Expand Brazil Market
Fair Value: R$12 6.5% undervalued intrinsic discount
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Snowflake Analysis
Banco Pan S.A. Key Details
Last Reported Earnings
Sep 30, 2025
Next Reporting Earnings
n/a
- 0.50
- 100.00%
- 5.97%
- 199.2%
About BPAN4
- Founded
- 1964
- Employees
- 2743
- CEO
- WebsiteView website
Banco Pan S.A., together with its subsidiaries, operate as a multiple solutions bank in Brazil. It operates through Financial and Other segments. The company offers current accounts; payroll-deductible credit; debit and credit cards; vehicle financing for pre-owned cars and new motorcycles; personal loans; emergency advances and overdraft facilities; car equity, buy now pay later, auto loans, FGTS loans, and payroll loans; investments; Mosaico and Mobiauto marketplaces; PAN health services; emergency limits and salary portability; prepaid cell phone top-ups, authorized direct debit, and loyalty programs; and insurance services. It also provides corporate loans; construction financing for developers and construction firms; real estate financing; and acquisition services for real estate receivables. The company was formerly known as Banco Panamericano S.A. and changed its name to Banco Pan S.A. in August 2014. The company was incorporated in 1964 and is headquartered in São Paulo, Brazil. Banco Pan S.A. operates as a subsidiary of Banco BTG Pactual S.A.
