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BBVA

Banco BBVA Perú BVL:BBVAC1 Stock Report

Last Price

S/1.70

Market Cap

S/12.5b

7D

1.2%

1Y

-10.5%

Updated

06 Jul, 2022

Data

Company Financials
BBVAC1 fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance2/6
Financial Health4/6
Dividends4/6

BBVAC1 Stock Overview

Banco BBVA Perú, S.A. provides various banking products and services in Peru.

Banco BBVA Perú Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Banco BBVA Perú
Historical stock prices
Current Share PriceS/1.70
52 Week HighS/2.30
52 Week LowS/1.43
Beta0.49
1 Month Change6.25%
3 Month Change-23.42%
1 Year Change-10.53%
3 Year Change-41.72%
5 Year Change-41.21%
Change since IPO1,301.43%

Recent News & Updates

Shareholder Returns

BBVAC1PE BanksPE Market
7D1.2%-1.7%-2.9%
1Y-10.5%-2.1%4.7%

Return vs Industry: BBVAC1 underperformed the PE Banks industry which returned -2.1% over the past year.

Return vs Market: BBVAC1 underperformed the PE Market which returned 4.7% over the past year.

Price Volatility

Is BBVAC1's price volatile compared to industry and market?
BBVAC1 volatility
BBVAC1 Average Weekly Movement6.3%
Banks Industry Average Movement5.1%
Market Average Movement5.0%
10% most volatile stocks in PE Market8.7%
10% least volatile stocks in PE Market1.6%

Stable Share Price: BBVAC1 is not significantly more volatile than the rest of PE stocks over the past 3 months, typically moving +/- 6% a week.

Volatility Over Time: BBVAC1's weekly volatility (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19516,154Fernando Eguiluz Lozanohttps://www.bbva.pe

Banco BBVA Perú, S.A. provides various banking products and services in Peru. The company offers savings, current, and travel accounts; term deposits; and debit, credit, and prepaid cards. It also provides personal and commercial loans; mortgage, vehicle, and motorcycle credits; bail letters; financial leasing; and electronic factoring services.

Banco BBVA Perú Fundamentals Summary

How do Banco BBVA Perú's earnings and revenue compare to its market cap?
BBVAC1 fundamental statistics
Market CapS/12.55b
Earnings (TTM)S/1.78b
Revenue (TTM)S/4.83b

7.1x

P/E Ratio

1.3x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
BBVAC1 income statement (TTM)
RevenueS/4.83b
Cost of RevenueS/0
Gross ProfitS/4.83b
Other ExpensesS/3.05b
EarningsS/1.78b

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)0.24
Gross Margin100.00%
Net Profit Margin36.82%
Debt/Equity Ratio238.9%

How did BBVAC1 perform over the long term?

See historical performance and comparison

Dividends

9.5%

Current Dividend Yield

61%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is BBVAC1 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for BBVAC1?

Other financial metrics that can be useful for relative valuation.

BBVAC1 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does BBVAC1's PE Ratio compare to its peers?

BBVAC1 PE Ratio vs Peers
The above table shows the PE ratio for BBVAC1 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average9.9x
IFS Intercorp Financial Services
6.1x7.1%US$2.6b
SCOTIAC1 Scotiabank PerúA
12xn/aS/15.3b
CREDITC1 Banco de Crédito del Perú
7.8xn/aS/28.7b
MIBANC1 Mibanco Banco de la Microempresa
13xn/aS/3.7b
BBVAC1 Banco BBVA Perú
7.1xn/aS/12.5b

Price-To-Earnings vs Peers: BBVAC1 is good value based on its Price-To-Earnings Ratio (7.1x) compared to the peer average (9.9x).


Price to Earnings Ratio vs Industry

How does BBVAC1's PE Ratio compare vs other companies in the South American Banks Industry?

Price-To-Earnings vs Industry: BBVAC1 is good value based on its Price-To-Earnings Ratio (7.1x) compared to the PE Banks industry average (9.6x)


Price to Earnings Ratio vs Fair Ratio

What is BBVAC1's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

BBVAC1 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio7.1x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate BBVAC1's Price-To-Earnings Fair Ratio for valuation analysis.


Share Price vs Fair Value

What is the Fair Price of BBVAC1 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: BBVAC1 (PEN1.7) is trading below our estimate of fair value (PEN1.76)

Significantly Below Fair Value: BBVAC1 is trading below fair value, but not by a significant amount.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate BBVAC1's PEG Ratio to determine if it is good value.


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Future Growth

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

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


8.7%

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 BBVA Perú 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.


Discover growth companies

  • Examine whether Banco BBVA Perú is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.

Past Performance

How has Banco BBVA Perú performed over the past 5 years?

Past Performance Score

2/6

Past Performance Score 2/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-5.3%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: BBVAC1 has a high level of non-cash earnings.

Growing Profit Margin: BBVAC1's current net profit margins (36.8%) are higher than last year (17.5%).


Past Earnings Growth Analysis

Earnings Trend: BBVAC1's earnings have declined by 5.3% per year over the past 5 years.

Accelerating Growth: BBVAC1's earnings growth over the past year (265.3%) exceeds its 5-year average (-5.3% per year).

Earnings vs Industry: BBVAC1 earnings growth over the past year (265.3%) underperformed the Banks industry 486.9%.


Return on Equity

High ROE: BBVAC1's Return on Equity (18.2%) is considered low.


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Financial Health

How is Banco BBVA Perú's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

4/6

Financial Health Score 4/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: BBVAC1's Assets to Equity ratio (10.3x) is moderate.

Allowance for Bad Loans: BBVAC1 has a low allowance for bad loans (98%).

Low Risk Liabilities: 69% of BBVAC1's liabilities are made up of primarily low risk sources of funding.

Loan Level: BBVAC1 has an appropriate level of Loans to Assets ratio (69%).

Low Risk Deposits: BBVAC1's Loans to Deposits ratio (110%) is appropriate.

Level of Bad Loans: BBVAC1 has a high level of bad loans (6.4%).


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Dividend

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

Dividend Score

4/6

Dividend Score 4/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


9.46%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: BBVAC1's dividend (9.46%) is higher than the bottom 25% of dividend payers in the PE market (7.13%).

High Dividend: BBVAC1's dividend (9.46%) is low compared to the top 25% of dividend payers in the PE market (27.22%).


Stability and Growth of Payments

Stable Dividend: BBVAC1's dividends per share have been stable in the past 10 years.

Growing Dividend: BBVAC1's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Earnings Coverage: With its reasonable payout ratio (61.2%), BBVAC1's dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.


Discover strong dividend paying companies

Management

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

3.0yrs

Average management tenure


CEO

Fernando Eguiluz Lozano

3yrs

Tenure

Mr. Fernando Eguiluz Lozano has been General Manager and Director at Banco BBVA Perú since July 1, 2019.


Leadership Team

Experienced Management: BBVAC1's management team is considered experienced (3 years average tenure).


Board Members

Experienced Board: BBVAC1's board of directors are considered experienced (7.7 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 been diluted in the past year, with total shares outstanding growing by 9.2%.


Top Shareholders

Company Information

Banco BBVA Perú, S.A.'s employee growth, exchange listings and data sources


Key Information

  • Name: Banco BBVA Perú, S.A.
  • Ticker: BBVAC1
  • Exchange: BVL
  • Founded: 1951
  • Industry: Diversified Banks
  • Sector: Banks
  • Implied Market Cap: S/12.550b
  • Shares outstanding: 7.38b
  • Website: https://www.bbva.pe

Number of Employees


Location

  • Banco BBVA Perú, S.A.
  • Av. RepUblica de PanamA No 3055
  • San Isidro
  • Lima
  • Peru

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/07/06 00:00
End of Day Share Price2022/07/05 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


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.