Banco Pine S.A.

BOVESPA:PINE4 Stock Report

Market Cap: R$1.0b

Banco Pine Past Earnings Performance

Past criteria checks 5/6

Banco Pine has been growing earnings at an average annual rate of 78%, while the Banks industry saw earnings growing at 11.1% annually. Revenues have been growing at an average rate of 48.1% per year. Banco Pine's return on equity is 21.7%, and it has net margins of 39.8%.

Key information

78.0%

Earnings growth rate

78.5%

EPS growth rate

Banks Industry Growth8.7%
Revenue growth rate48.1%
Return on equity21.7%
Net Margin39.8%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

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

Earnings and Revenue History

BOVESPA:PINE4 Revenue, expenses and earnings (BRL Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 246372533430
30 Jun 246572343470
31 Mar 246162133240
31 Dec 235591813020
30 Sep 234441412790
30 Jun 233331082550
31 Mar 23273702160
31 Dec 22228412050
30 Sep 22199212100
30 Jun 22229241930
31 Mar 2221571960
31 Dec 2120761880
30 Sep 21195-491870
30 Jun 21156-761790
31 Mar 21192-611800
31 Dec 20192-641780
30 Sep 2087-341780
30 Jun 2044-471830
31 Mar 20-36-801840
31 Dec 19-48-1181860
30 Sep 1936-1691800
30 Jun 1970-1411910
31 Mar 19114-1061850
31 Dec 18130-601980
30 Sep 18203171940
30 Jun 18-160-2321890
31 Mar 18-188-2581910
31 Dec 17-185-2631830
30 Sep 17-230-2741800
30 Jun 17127-361710
31 Mar 17152-221680
31 Dec 16156-141640
30 Sep 1619251720
30 Jun 16129221810
31 Mar 16225391830
31 Dec 15184411940
30 Sep 15172361980
30 Jun 15341442040
31 Mar 15317692160
31 Dec 14415942250
30 Sep 144471262320
30 Jun 144191482330
31 Mar 144031512310

Quality Earnings: PINE4 has high quality earnings.

Growing Profit Margin: PINE4's current net profit margins (39.8%) are higher than last year (31.8%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: PINE4 has become profitable over the past 5 years, growing earnings by 78% per year.

Accelerating Growth: PINE4's earnings growth over the past year (79.6%) exceeds its 5-year average (78% per year).

Earnings vs Industry: PINE4 earnings growth over the past year (79.6%) exceeded the Banks industry 12.5%.

Return on Equity

High ROE: Whilst PINE4's Return on Equity (21.68%) is high, this metric is skewed due to their high level of debt.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/05 08:03
End of Day Share Price 2025/01/03 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 Pine S.A. is covered by 9 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Mário BernardesBB Banco de Investimento S.A.
Jorg FriedemannBofA Global Research
Carlos FirettiBradesco S.A. Corretora de Títulos e Valores Mobiliários