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Banco Pan (BPAN4) Stock Overview
Banco Pan S.A., together with its subsidiaries, operate as a multiple solutions bank in Brazil. More details
| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 5/6 |
| Past Performance | 1/6 |
| Financial Health | 3/6 |
| Dividends | 3/6 |
BPAN4 Community Fair Values
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Analyst Price Targets
Banco Pan S.A. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | R$12.75 |
| 52 Week High | R$12.96 |
| 52 Week Low | R$6.40 |
| Beta | 1.18 |
| 1 Month Change | 13.84% |
| 3 Month Change | 25.00% |
| 1 Year Change | 83.45% |
| 3 Year Change | 125.66% |
| 5 Year Change | 27.88% |
| Change since IPO | 27.50% |
Recent News & Updates
BPAN4: Fair Value View Will Focus On Upcoming Extraordinary Meeting
Analysts have nudged their price target for Banco Pan to match a fair value of R$12.30. This reflects updated assumptions around discount rate, revenue growth, profit margin and future P/E, which they see as better capturing the bank’s current risk and earnings profile.BPAN4: Full Takeover Proposal And Earnings Profile Will Guide Balanced Outlook
Analysts have raised their price target for Banco Pan to R$12.30, reflecting updated assumptions around the discount rate, revenue growth, profit margin and a slightly lower future P/E, which they consider a better reflection of the bank's risk and earnings profile. What's in the News Banco BTG Pactual S.A. proposed to acquire the remaining 44.40% stake in Banco Pan S.A. for BRL 5.6b on October 14, 2025, offering 0.125 Banco BTG Pactual share for each Banco Pan share, plus an additional undisclosed cash amount.BPAN4: Future Ownership Structure And Earnings Profile Will Shape Balanced Outlook
Analysts have nudged their price target for Banco Pan higher to R$12.30 from R$12.00, reflecting expectations of a richer future valuation multiple despite slightly slower growth and margin assumptions. What's in the News Banco Pan has called a Special and Extraordinary Shareholders Meeting for December 9, 2025 in São Paulo to deliberate corporate matters at its Avenida Paulista headquarters (Key Developments).
BPAN4: Full Takeover And Meeting Outcomes Will Shape Balanced Outlook
Analysts have modestly raised their price target on Banco Pan to R$10.68 from R$10.36, reflecting slightly stronger expectations for revenue growth and valuation multiples despite a largely unchanged risk and profitability outlook. What's in the News Banco Pan has scheduled a Special and Extraordinary Shareholders Meeting for December 9, 2025, in São Paulo to deliberate corporate matters requiring shareholder approval (Key Developments).BPAN4: Upcoming Acquisition Will Shape Outlook Amid Mixed Profitability Changes
Analysts have raised their price target for Banco Pan to R$10.36 from R$9.32. They cite adjustments in revenue growth projections, profit margins, and increased future price-to-earnings expected for the company.Recent updates
BPAN4: Fair Value View Will Focus On Upcoming Extraordinary Meeting
Analysts have nudged their price target for Banco Pan to match a fair value of R$12.30. This reflects updated assumptions around discount rate, revenue growth, profit margin and future P/E, which they see as better capturing the bank’s current risk and earnings profile.BPAN4: Full Takeover Proposal And Earnings Profile Will Guide Balanced Outlook
Analysts have raised their price target for Banco Pan to R$12.30, reflecting updated assumptions around the discount rate, revenue growth, profit margin and a slightly lower future P/E, which they consider a better reflection of the bank's risk and earnings profile. What's in the News Banco BTG Pactual S.A. proposed to acquire the remaining 44.40% stake in Banco Pan S.A. for BRL 5.6b on October 14, 2025, offering 0.125 Banco BTG Pactual share for each Banco Pan share, plus an additional undisclosed cash amount.BPAN4: Future Ownership Structure And Earnings Profile Will Shape Balanced Outlook
Analysts have nudged their price target for Banco Pan higher to R$12.30 from R$12.00, reflecting expectations of a richer future valuation multiple despite slightly slower growth and margin assumptions. What's in the News Banco Pan has called a Special and Extraordinary Shareholders Meeting for December 9, 2025 in São Paulo to deliberate corporate matters at its Avenida Paulista headquarters (Key Developments).BPAN4: Full Takeover And Meeting Outcomes Will Shape Balanced Outlook
Analysts have modestly raised their price target on Banco Pan to R$10.68 from R$10.36, reflecting slightly stronger expectations for revenue growth and valuation multiples despite a largely unchanged risk and profitability outlook. What's in the News Banco Pan has scheduled a Special and Extraordinary Shareholders Meeting for December 9, 2025, in São Paulo to deliberate corporate matters requiring shareholder approval (Key Developments).BPAN4: Upcoming Acquisition Will Shape Outlook Amid Mixed Profitability Changes
Analysts have raised their price target for Banco Pan to R$10.36 from R$9.32. They cite adjustments in revenue growth projections, profit margins, and increased future price-to-earnings expected for the company.
2025 Initiatives In Payroll Lending And Vehicle Financing Open New Market Opportunities
Anticipated growth in payroll and private loans could enhance revenue and earnings through increased credit origination and market expansion.Shareholder Returns
| BPAN4 | BR Banks | BR Market | |
|---|---|---|---|
| 7D | 7.6% | -3.3% | 0.2% |
| 1Y | 83.5% | 2.0% | 9.8% |
Return vs Industry: BPAN4 exceeded the BR Banks industry which returned 43.5% over the past year.
Return vs Market: BPAN4 exceeded the BR Market which returned 29% over the past year.
Price Volatility
| BPAN4 volatility | |
|---|---|
| BPAN4 Average Weekly Movement | 4.3% |
| Banks Industry Average Movement | 3.8% |
| Market Average Movement | 4.2% |
| 10% most volatile stocks in BR Market | 8.1% |
| 10% least volatile stocks in BR Market | 1.8% |
Stable Share Price: BPAN4 has not had significant price volatility in the past 3 months compared to the BR market.
Volatility Over Time: BPAN4's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1964 | 2,743 | André Calabro | www.bancopan.com.br |
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.
Banco Pan S.A. Fundamentals Summary
| BPAN4 fundamental statistics | |
|---|---|
| Market cap | R$15.94b |
| Earnings (TTM) | R$630.67m |
| Revenue (TTM) | R$10.56b |
Is BPAN4 overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| BPAN4 income statement (TTM) | |
|---|---|
| Revenue | R$10.56b |
| Cost of Revenue | R$0 |
| Gross Profit | R$10.56b |
| Other Expenses | R$9.93b |
| Earnings | R$630.67m |
Last Reported Earnings
Sep 30, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.50 |
| Gross Margin | 100.00% |
| Net Profit Margin | 5.97% |
| Debt/Equity Ratio | 199.2% |
How did BPAN4 perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/01/26 02:06 |
| End of Day Share Price | 2026/01/23 00:00 |
| Earnings | 2025/09/30 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Banco Pan S.A. is covered by 5 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Roberto de Aguiar Attuch | Barclays |
| Brian Flores | Citigroup Inc |
| Andre Gargiulo | GBM Grupo Bursátil Mexicano, S.A. de C.V. Casa de Bolsa |