Banco Pan S.A.

BOVESPA:BPAN4 Stock Report

Market Cap: R$8.3b

Banco Pan Past Earnings Performance

Past criteria checks 1/6

Banco Pan has been growing earnings at an average annual rate of 2.7%, while the Banks industry saw earnings growing at 11.1% annually. Revenues have been growing at an average rate of 12% per year. Banco Pan's return on equity is 7.9%, and it has net margins of 7.3%.

Key information

2.7%

Earnings growth rate

1.3%

EPS growth rate

Banks Industry Growth8.7%
Revenue growth rate12.0%
Return on equity7.9%
Net Margin7.3%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Banco Pan makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

BOVESPA:BPAN4 Revenue, expenses and earnings (BRL Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 248,9946534,2120
30 Jun 248,8846344,1990
31 Mar 248,6726144,1230
31 Dec 238,4595904,0960
30 Sep 238,4446975,1240
30 Jun 238,1496594,3220
31 Mar 237,9556114,2490
31 Dec 227,4956673,9250
30 Sep 227,6006863,8860
30 Jun 227,6057354,5690
31 Mar 227,6999044,5610
31 Dec 217,3367754,5970
30 Sep 217,3797494,1510
30 Jun 216,8577313,9110
31 Mar 216,5475843,6410
31 Dec 206,4376563,4770
30 Sep 205,6686523,0860
30 Jun 205,4366172,9540
31 Mar 204,9365902,8580
31 Dec 194,8215162,6600
30 Sep 194,6194222,4160
30 Jun 194,4713372,2860
31 Mar 194,3032612,1670
31 Dec 184,3172222,1790
30 Sep 184,5492032,1660
30 Jun 184,4532652,1930
31 Mar 184,7342652,3260
31 Dec 174,8392132,5450
30 Sep 174,6491582,7190
30 Jun 174,622342,8900
31 Mar 174,071-1372,8080
31 Dec 163,489-2372,5760
30 Sep 163,276-2042,4160
30 Jun 163,051-1462,3160
31 Mar 163,241-152,2870
31 Dec 153,36082,2720
30 Sep 153,7712012,2630
30 Jun 153,444872,0280
31 Mar 153,021131,9100
31 Dec 142,81981,7510
30 Sep 142,141-4021,6440
30 Jun 142,296-3521,6780
31 Mar 142,369-2691,6740
31 Dec 132,466-1521,6820

Quality Earnings: BPAN4 has a large one-off loss of R$828.3M impacting its last 12 months of financial results to 30th September, 2024.

Growing Profit Margin: BPAN4's current net profit margins (7.3%) are lower than last year (8.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BPAN4's earnings have grown by 2.7% per year over the past 5 years.

Accelerating Growth: BPAN4's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: BPAN4 had negative earnings growth (-6.4%) over the past year, making it difficult to compare to the Banks industry average (12.5%).

Return on Equity

High ROE: BPAN4's Return on Equity (7.9%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/18 14:37
End of Day Share Price 2024/12/18 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 here.

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 .

Analyst Sources

Banco Pan S.A. is covered by 21 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Roberto de Aguiar AttuchBarclays
Flavio YoshidaBofA Global Research
Antonio Gregorin RuetteBofA Global Research