Banco Hipotecario S.A. provides wholesale and retail banking services in Argentina. More Details
Adequate balance sheet and slightly overvalued.
Share Price & News
How has Banco Hipotecario's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: BHIP is less volatile than 75% of AR stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: BHIP's weekly volatility (4%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: BHIP underperformed the AR Banks industry which returned 4.3% over the past year.
Return vs Market: BHIP underperformed the AR Market which returned 22.5% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Banco Hipotecario's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Banco Hipotecario undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: BHIP (ARS8.5) is trading above our estimate of fair value (ARS1.23)
Significantly Below Fair Value: BHIP is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: BHIP is good value based on its PE Ratio (3.2x) compared to the AR Banks industry average (4.3x).
PE vs Market: BHIP is good value based on its PE Ratio (3.2x) compared to the AR market (8.2x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BHIP's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: BHIP's PB Ratio (0.8x) is in line with the AR Banks industry average.
How is Banco Hipotecario forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual revenue growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: Insufficient data to determine if BHIP's forecast earnings growth is above the savings rate (7.9%).
Earnings vs Market: Insufficient data to determine if BHIP's earnings are forecast to grow faster than the AR market
High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: BHIP's revenue is expected to decline over the next 3 years (-66.5% per year).
High Growth Revenue: BHIP's revenue is forecast to decline over the next 3 years (-66.5% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if BHIP's Return on Equity is forecast to be high in 3 years time
How has Banco Hipotecario performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BHIP has a large one-off gain of ARS1.1B impacting its September 30 2020 financial results.
Growing Profit Margin: BHIP became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: BHIP's earnings have grown by 19.4% per year over the past 5 years.
Accelerating Growth: BHIP has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: BHIP has become profitable in the last year, making it difficult to compare its past year earnings growth to the Banks industry (13.9%).
Return on Equity
High ROE: Whilst BHIP's Return on Equity (25.9%) is high, this metric is skewed due to their high level of debt.
How is Banco Hipotecario's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BHIP's Assets to Equity ratio (9.7x) is low.
Allowance for Bad Loans: BHIP has a low allowance for bad loans (90%).
Low Risk Liabilities: 61% of BHIP's liabilities are made up of primarily low risk sources of funding.
Loan Level: BHIP has an appropriate level of Loans to Assets ratio (26%).
Low Risk Deposits: BHIP's Loans to Deposits ratio (46%) is appropriate.
Level of Bad Loans: BHIP has a high level of bad loans (12.8%).
What is Banco Hipotecario current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate BHIP's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate BHIP's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if BHIP's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if BHIP's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of BHIP's dividend in 3 years as they are not forecast to pay a notable one for the AR market.
How experienced are the management team and are they aligned to shareholders interests?
Manuel Juan Luciano Herrera Grazioli
Mr. Manuel Juan Luciano Herrera Grazioli has been General Manager at Banco Hipotecario SA since June 01, 2017 and was its Interim Chief Financial Officer since April 27, 2020.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Banco Hipotecario S.A.'s company bio, employee growth, exchange listings and data sources
- Name: Banco Hipotecario S.A.
- Ticker: BHIP
- Exchange: BASE
- Founded: 1886
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: AR$12.499b
- Shares outstanding: 1.47b
- Website: https://www.hipotecario.com.ar
- Banco Hipotecario S.A.
- Reconquista 151
- Buenos Aires
- Capital Federal
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|BHIP||BASE (Buenos Aires Stock Exchange)||Yes||Class D Ordinary Shares||AR||ARS||Feb 1999|
Banco Hipotecario S.A. provides wholesale and retail banking services in Argentina. The company offers sight and term deposits; mortgage, personal, corporate, and SME loans, as well as individual loans for...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/03/06 22:01|
|End of Day Share Price||2021/03/05 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.