BASE:BPAT

Stock Analysis Report

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Executive Summary

Banco Patagonia S.A. provides various banking products and services. More Details


Snowflake Analysis

Flawless balance sheet with proven track record and pays a dividend.


Similar Companies

Share Price & News

How has Banco Patagonia's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: BPAT is less volatile than 75% of AR stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: BPAT's weekly volatility (3%) has been stable over the past year.


Market Performance


7 Day Return

-1.6%

BPAT

-8.3%

AR Banks

-3.8%

AR Market


1 Year Return

48.7%

BPAT

7.3%

AR Banks

25.1%

AR Market

Return vs Industry: BPAT exceeded the AR Banks industry which returned 7.3% over the past year.

Return vs Market: BPAT exceeded the AR Market which returned 24.5% over the past year.


Shareholder returns

BPATIndustryMarket
7 Day-1.6%-8.3%-3.8%
30 Day-3.0%-2.2%-2.2%
90 Day-4.4%-14.7%-13.8%
1 Year48.7%48.7%7.7%7.3%25.8%25.1%
3 Year26.8%8.4%-11.1%-15.5%32.6%24.3%
5 Year151.4%93.9%100.4%83.5%196.4%159.4%

Long-Term Price Volatility Vs. Market

How volatile is Banco Patagonia's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Banco Patagonia undervalued compared to its fair value and its price relative to the market?

3.17x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: BPAT (ARS66.9) is trading above our estimate of fair value (ARS19.41)

Significantly Below Fair Value: BPAT is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: BPAT is good value based on its PE Ratio (3.2x) compared to the AR Banks industry average (4.4x).

PE vs Market: BPAT is good value based on its PE Ratio (3.2x) compared to the AR market (8.5x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate BPAT's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: BPAT is overvalued based on its PB Ratio (1.1x) compared to the AR Banks industry average (0.8x).


Next Steps

Future Growth

How is Banco Patagonia forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

22.1%

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 Patagonia 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.


Next Steps

Past Performance

How has Banco Patagonia performed over the past 5 years?

46.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: BPAT has high quality earnings.

Growing Profit Margin: BPAT's current net profit margins (47.1%) are higher than last year (28.1%).


Past Earnings Growth Analysis

Earnings Trend: BPAT's earnings have grown significantly by 46.9% per year over the past 5 years.

Accelerating Growth: BPAT's earnings growth over the past year (8.1%) is below its 5-year average (46.9% per year).

Earnings vs Industry: BPAT earnings growth over the past year (8.1%) underperformed the Banks industry 13.9%.


Return on Equity

High ROE: BPAT's Return on Equity (34.2%) is considered high.


Next Steps

Financial Health

How is Banco Patagonia's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: BPAT's Assets to Equity ratio (6.3x) is low.

Allowance for Bad Loans: BPAT has a sufficient allowance for bad loans (272%).

Low Risk Liabilities: 86% of BPAT's liabilities are made up of primarily low risk sources of funding.

Loan Level: BPAT has an appropriate level of Loans to Assets ratio (36%).

Low Risk Deposits: BPAT's Loans to Deposits ratio (51%) is appropriate.

Level of Bad Loans: BPAT has an appropriate level of bad loans (1.5%).


Next Steps

Dividend

What is Banco Patagonia current dividend yield, its reliability and sustainability?

16.34%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: BPAT's dividend (16.34%) is higher than the bottom 25% of dividend payers in the AR market (1.19%).

High Dividend: BPAT's dividend (16.34%) is in the top 25% of dividend payers in the AR market (2.89%)


Stability and Growth of Payments

Stable Dividend: BPAT's dividend payments have been volatile in the past 10 years.

Growing Dividend: BPAT's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Dividend Coverage: With its reasonable payout ratio (51.8%), BPAT's dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.2yrs

Average management tenure


CEO

Banco Patagonia has no CEO, or we have no data on them.


Leadership Team

NamePositionTenureCompensationOwnership
Juan Manuel Trejo
Superintendent of Financeno datano datano data
Paulo Roberto Previdelli
Superintendent of Operations6.5yrsno datano data
Gabriela Expósito
Executive Manager of Technology1.5yrsno datano data
Marcelo A. Iadarola
Executive Manager of Administrationno datano datano data
Otacílio Martins de Magalhães Filho
Head of Digital Business2.17yrsno datano data
Ezequiel Bernuez
Executive Manager of Board Secretariat1.5yrsno datano data

2.2yrs

Average Tenure

Experienced Management: BPAT's management team is considered experienced (2.2 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Juan Manuel Trejo
Superintendent of Financeno datano datano data
João de Nobrega Pecego
President of the Board7.08yrsno datano data
Rubén Miguel Iparraguirre
Vice President of the Board7.33yrsno datano data
Héctor Osvaldo Rossi Camilión
Regular Statutory Auditor8.08yrsno datano data
Monica María Cukar
Regular Statutory Auditor8.08yrsno datano data
Ernesto Juan Cassani
Independent Regular Director4.08yrsno datano data
Oswaldo Parré Dos Santos
Vice President of the Boardno datano datano data
Marcio Hamilton Ferreira
Vice President of the Boardno datano datano data
Luis Carlos Cerolini
Alternate Directorno datano datano data
Giovanna María Matilde Cristóforo
Independent Regular Directorno datano datano data
Delano De Andrade
Vice President of the Boardno datano datano data
Marvio Freitas
Directorno datano datano data

7.3yrs

Average Tenure

61yo

Average Age

Experienced Board: BPAT's board of directors are considered experienced (7.3 years average tenure).


Ownership

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.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Banco Patagonia S.A.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Banco Patagonia S.A.
  • Ticker: BPAT
  • Exchange: BASE
  • Founded: 1928
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: AR$48.111b
  • Shares outstanding: 719.15m
  • Website: https://www.bancopatagonia.com.ar

Number of Employees


Location

  • Banco Patagonia S.A.
  • Avenida de Mayo 701
  • Piso 24
  • Buenos Aires
  • Capital Federal
  • Argentina

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BPATBASE (Buenos Aires Stock Exchange)YesClass B Ordinary SharesARARSJul 2007

Biography

Banco Patagonia S.A. provides various banking products and services. It offers salary, savings, current, personal, retired, and minors accounts; loans; and machinery, truck, capital market, and lease finan...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/02/28 22:04
End of Day Share Price2021/02/26 00:00
Earnings2020/09/30
Annual Earnings2019/12/31


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.