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BPAT

Banco PatagoniaBASE:BPAT Stock Report

Market Cap

AR$55.7b

7D

-5.5%

1Y

18.9%

Updated

25 Sep, 2021

Data

Company Financials
BPAT fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance2/6
Financial Health6/6
Dividends3/6

BPAT Overview

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

Banco Patagonia Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Banco Patagonia
Historical stock prices
Current Share PriceAR$77.50
52 Week HighAR$61.00
52 Week LowAR$84.50
Beta1.54
1 Month Change3.47%
3 Month Change6.60%
1 Year Change18.87%
3 Year Change91.36%
5 Year Change78.16%
Change since IPO1,714.99%

Recent News & Updates

Shareholder Returns

BPATAR BanksAR Market
7D-5.5%-7.4%16.9%
1Y18.9%55.7%88.2%

Return vs Industry: BPAT underperformed the AR Banks industry which returned 56.9% over the past year.

Return vs Market: BPAT underperformed the AR Market which returned 56.2% over the past year.

Price Volatility

Is BPAT's price volatile compared to industry and market?
BPAT volatility
BPAT Beta1.54
Industry Beta2.19
Market Beta1

Stable Share Price: BPAT is less volatile than 75% of AR stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: BPAT's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19283,173n/ahttps://www.bancopatagonia.com.ar

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 financing services. The company also provides car, motorcycle, home, property, mobility, life, health, and personal accident insurance products; investment products; foreign trade, collection, and payment services; and business cards.

Banco Patagonia Fundamentals Summary

How do Banco Patagonia's earnings and revenue compare to its market cap?
BPAT fundamental statistics
Market CapAR$55.73b
Earnings (TTM)AR$4.75b
Revenue (TTM)AR$48.36b

11.7x

P/E Ratio

0.9x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
BPAT income statement (TTM)
RevenueAR$48.36b
Cost of RevenueAR$1.77b
Gross ProfitAR$46.59b
ExpensesAR$41.84b
EarningsAR$4.75b

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)6.60
Gross Margin96.34%
Net Profit Margin9.81%
Debt/Equity Ratio18.0%

How did BPAT perform over the long term?

See historical performance and comparison

Dividends

14.1%

Current Dividend Yield

166%

Payout Ratio

Valuation

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

11.74x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: BPAT (ARS77.5) is trading above our estimate of fair value (ARS45.22)

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 (11.7x) compared to the AR Banks industry average (13.2x).

PE vs Market: BPAT is good value based on its PE Ratio (11.7x) compared to the AR market (15.1x).


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's PB Ratio (0.9x) is in line with the AR Banks industry average.


Future Growth

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

15.8%

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.


Past Performance

How has Banco Patagonia performed over the past 5 years?

30.9%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: BPAT has high quality earnings.

Growing Profit Margin: BPAT's current net profit margins (9.8%) are lower than last year (24.4%).


Past Earnings Growth Analysis

Earnings Trend: BPAT's earnings have grown significantly by 30.9% per year over the past 5 years.

Accelerating Growth: BPAT's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: BPAT had negative earnings growth (-72.7%) over the past year, making it difficult to compare to the Banks industry average (-41.9%).


Return on Equity

High ROE: BPAT's Return on Equity (8.1%) is considered low.


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 (7x) is low.

Allowance for Bad Loans: BPAT has a sufficient allowance for bad loans (264%).

Low Risk Liabilities: 85% 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 (30%).

Low Risk Deposits: BPAT's Loans to Deposits ratio (41%) is appropriate.

Level of Bad Loans: BPAT has an appropriate level of bad loans (1.1%).


Dividend

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

14.11%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: BPAT's dividend (14.11%) is higher than the bottom 25% of dividend payers in the AR market (1.01%).

High Dividend: BPAT's dividend (14.11%) is in the top 25% of dividend payers in the AR market (5.01%)


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 high payout ratio (165.7%), BPAT's dividend payments are not well 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?

2.8yrs

Average management tenure


CEO

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


Leadership Team

Experienced Management: BPAT's management team is considered experienced (2.8 years average tenure).


Board Members

Experienced Board: BPAT's board of directors are considered experienced (4.7 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 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$55.734b
  • 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


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/25 02:20
End of Day Share Price2021/09/24 00:00
Earnings2021/06/30
Annual Earnings2020/12/31


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.