BHIP Stock Overview
Banco Hipotecario S.A. provides wholesale and retail banking services in Argentina.
Banco Hipotecario Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||AR$7.50|
|52 Week High||AR$11.40|
|52 Week Low||AR$6.90|
|1 Month Change||-1.32%|
|3 Month Change||-5.90%|
|1 Year Change||-21.55%|
|3 Year Change||-57.39%|
|5 Year Change||10.29%|
|Change since IPO||-7.98%|
Recent News & Updates
|BHIP||AR Banks||AR Market|
Return vs Industry: BHIP underperformed the AR Banks industry which returned 2% over the past year.
Return vs Market: BHIP underperformed the AR Market which returned 27.3% over the past year.
|BHIP Average Weekly Movement||3.4%|
|Banks Industry Average Movement||5.0%|
|Market Average Movement||4.7%|
|10% most volatile stocks in AR Market||6.2%|
|10% least volatile stocks in AR Market||3.1%|
Stable Share Price: BHIP is less volatile than 75% of AR stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: BHIP's weekly volatility (3%) has been stable over the past year.
About the Company
|1886||n/a||Manuel Juan Luciano Herrera Grazioli||https://www.hipotecario.com.ar|
Banco Hipotecario S.A. provides wholesale and retail banking services in Argentina. The company offers savings, current, and investor accounts; personal loans comprising destination, housing extension, and salary plans, as well as mortgage credits; home, life, personal accident, ATM robbery, moving goods, protected purchase, health, and comprehensive business insurance products, as well as cellular protection. It also provides investment products, such as fixed term deposits, mutual funds, titles and shares, mortgage certificates, security boxes, and market data solutions, as well as debit and credit cards.
Banco Hipotecario Fundamentals Summary
|BHIP fundamental statistics|
Is BHIP overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BHIP income statement (TTM)|
|Cost of Revenue||AR$472.58m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||-0.35|
|Net Profit Margin||-1.53%|
How did BHIP perform over the long term?See historical performance and comparison
Is BHIP undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 2/6
Price-To-Book vs Peers
Price-To-Book vs Industry
Price-To-Book vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for BHIP?
Other financial metrics that can be useful for relative valuation.
|What is BHIP's n/a Ratio?|
Price to Book Ratio vs Peers
How does BHIP's PB Ratio compare to its peers?
|BHIP PB Ratio vs Peers|
|Company||PB||Estimated Growth||Market Cap|
SUPV Grupo Supervielle
BPAT Banco Patagonia
BBAR Banco BBVA Argentina
BMA Banco Macro
BHIP Banco Hipotecario
Price-To-Book vs Peers: BHIP is good value based on its Price-To-Book Ratio (0.4x) compared to the peer average (0.6x).
Price to Earnings Ratio vs Industry
How does BHIP's PE Ratio compare vs other companies in the South American Banks Industry?
Price-To-Book vs Industry: BHIP is good value based on its Price-To-Book Ratio (0.4x) compared to the AR Banks industry average (0.6x)
Price to Book Ratio vs Fair Ratio
What is BHIP's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PB Ratio||0.4x|
|Fair PB Ratio||n/a|
Price-To-Book vs Fair Ratio: Insufficient data to calculate BHIP's Price-To-Book Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of BHIP when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: Insufficient data to calculate BHIP's fair value for valuation analysis.
Significantly Below Fair Value: Insufficient data to calculate BHIP's fair value for valuation analysis.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate BHIP's PEG Ratio to determine if it is good value.
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How is Banco Hipotecario forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Banco Hipotecario has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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- Examine Banco Hipotecario's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
How has Banco Hipotecario performed over the past 5 years?
Past Performance Score0/6
Past Performance Score 0/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BHIP is currently unprofitable.
Growing Profit Margin: BHIP is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: BHIP is unprofitable, and losses have increased over the past 5 years at a rate of 52% per year.
Accelerating Growth: Unable to compare BHIP's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: BHIP is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (36%).
Return on Equity
High ROE: BHIP has a negative Return on Equity (-2%), as it is currently unprofitable.
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How is Banco Hipotecario's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score4/6
Financial Health Score 4/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BHIP's Assets to Equity ratio (9.6x) is low.
Allowance for Bad Loans: BHIP has a low allowance for bad loans (77%).
Low Risk Liabilities: 81% 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 (20%).
Low Risk Deposits: BHIP's Loans to Deposits ratio (28%) is appropriate.
Level of Bad Loans: BHIP has a high level of bad loans (7.1%).
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What is Banco Hipotecario current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
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
Earnings 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.
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How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
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.
Experienced Board: BHIP's board of directors are seasoned and experienced ( 12.5 years average tenure).
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 employee growth, exchange listings and data sources
- Name: Banco Hipotecario S.A.
- Ticker: BHIP
- Exchange: BASE
- Founded: 1886
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: AR$11.032b
- Shares outstanding: 1.47b
- Website: https://www.hipotecario.com.ar
- Banco Hipotecario S.A.
- Reconquista 151
- Buenos Aires
- Capital Federal
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/27 00:00|
|End of Day Share Price||2022/06/27 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.