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Market Cap

Col$13.7t

Last Updated

2021/04/13 00:18 UTC

Data Sources

Company Financials +

Executive Summary

Banco Davivienda S.A. offers retail, commercial, and international banking products and services. More Details


Snowflake Analysis

High growth potential with adequate balance sheet.


Similar Companies

Share Price & News

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


Latest Share Price and Events

Stable Share Price: PFDAVVNDA is not significantly more volatile than the rest of CO stocks over the past 3 months, typically moving +/- 3% a week.

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


Market Performance


7 Day Return

0.5%

PFDAVVNDA

-0.9%

CO Banks

-1.3%

CO Market


1 Year Return

6.6%

PFDAVVNDA

3.8%

CO Banks

6.3%

CO Market

Return vs Industry: PFDAVVNDA exceeded the CO Banks industry which returned 6.1% over the past year.

Return vs Market: PFDAVVNDA exceeded the CO Market which returned 5.8% over the past year.


Shareholder returns

PFDAVVNDAIndustryMarket
7 Day0.5%-0.9%-1.3%
30 Day-3.0%-1.9%-2.7%
90 Day-13.3%-7.1%-7.2%
1 Year8.3%6.6%8.7%3.8%10.1%6.3%
3 Year0.6%-6.1%8.8%-4.4%4.2%-7.7%
5 Year23.8%9.0%33.0%7.6%35.5%13.6%

Long-Term Price Volatility Vs. Market

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


Simply Wall St News

No news available

Valuation

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

34.63x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: PFDAVVNDA (COP30750) is trading above our estimate of fair value (COP9847.31)

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


Price To Earnings Ratio

PE vs Industry: PFDAVVNDA is poor value based on its PE Ratio (35.2x) compared to the CO Banks industry average (11.4x).

PE vs Market: PFDAVVNDA is poor value based on its PE Ratio (35.2x) compared to the CO market (13.6x).


Price to Earnings Growth Ratio

PEG Ratio: PFDAVVNDA is good value based on its PEG Ratio (0.8x)


Price to Book Ratio

PB vs Industry: PFDAVVNDA's PB Ratio (1.1x) is in line with the CO Banks industry average.


Future Growth

How is Banco Davivienda forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?

46.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: PFDAVVNDA's forecast earnings growth (46.6% per year) is above the savings rate (6.7%).

Earnings vs Market: PFDAVVNDA's earnings (46.6% per year) are forecast to grow faster than the CO market (30.2% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: PFDAVVNDA's revenue (26.3% per year) is forecast to grow faster than the CO market (9.6% per year).

High Growth Revenue: PFDAVVNDA's revenue (26.3% per year) is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: PFDAVVNDA's Return on Equity is forecast to be low in 3 years time (13.2%).


Past Performance

How has Banco Davivienda performed over the past 5 years?

-8.2%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: PFDAVVNDA has a high level of non-cash earnings.

Growing Profit Margin: PFDAVVNDA's current net profit margins (8.5%) are lower than last year (26.3%).


Past Earnings Growth Analysis

Earnings Trend: PFDAVVNDA's earnings have declined by 8.2% per year over the past 5 years.

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

Earnings vs Industry: PFDAVVNDA had negative earnings growth (-73.1%) over the past year, making it difficult to compare to the Banks industry average (-29.1%).


Return on Equity

High ROE: PFDAVVNDA's Return on Equity (3.2%) is considered low.


Financial Health

How is Banco Davivienda'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: PFDAVVNDA's Assets to Equity ratio (10.7x) is moderate.

Allowance for Bad Loans: PFDAVVNDA has a low allowance for bad loans (67%).

Low Risk Liabilities: 71% of PFDAVVNDA's liabilities are made up of primarily low risk sources of funding.

Loan Level: PFDAVVNDA has an appropriate level of Loans to Assets ratio (74%).

Low Risk Deposits: PFDAVVNDA's Loans to Deposits ratio (115%) is appropriate.

Level of Bad Loans: PFDAVVNDA has a high level of bad loans (8%).


Dividend

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

3.06%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: PFDAVVNDA's dividend (3.01%) isn’t notable compared to the bottom 25% of dividend payers in the CO market (3.21%).

High Dividend: PFDAVVNDA's dividend (3.01%) is low compared to the top 25% of dividend payers in the CO market (8.17%).


Stability and Growth of Payments

Stable Dividend: PFDAVVNDA's dividends per share have been stable in the past 10 years.

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


Current Payout to Shareholders

Dividend Coverage: With its high payout ratio (105.9%), PFDAVVNDA's dividend payments are not well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of PFDAVVNDA's dividend in 3 years as they are not forecast to pay a notable one for the CO market.


Next Steps

Management

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

3.2yrs

Average board tenure


CEO

Efraín Enrique Forero Fonseca (65 yo)

31.25yrs

Tenure

Mr. Efraín Enrique Forero Fonseca has been the President of Banco Davivienda, S.A. since May 1990. Mr. Forero Fonseca served as President of Delta Bolivar CFC S.A. from May 1987 to May 1990, Chief Financia...


Board Members

Experienced Board: PFDAVVNDA's board of directors are considered experienced (3.2 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 Davivienda S.A.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Banco Davivienda S.A.
  • Ticker: PFDAVVNDA
  • Exchange: BVC
  • Founded: 1972
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: Col$13.672t
  • Shares outstanding: 451.67m
  • Website: https://www.davivienda.com

Number of Employees


Location

  • Banco Davivienda S.A.
  • Av. El Dorado No. 68 C – 61
  • Piso 10
  • Bogotá
  • Colombia

Listings


Biography

Banco Davivienda S.A. offers retail, commercial, and international banking products and services. It provides term and demand deposits; checking and savings accounts; certificates of deposit; bonds; and ot...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/04/13 00:18
End of Day Share Price2021/04/12 00:00
Earnings2020/12/31
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.