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BPIC

Banco Pichincha BVL:BPICHC1 Stock Report

Last Price

S/0.50

Market Cap

S/473.2m

7D

0%

1Y

4.0%

Updated

21 May, 2022

Data

Company Financials
BPICHC1 fundamental analysis
Snowflake Score
Valuation1/6
Future Growth0/6
Past Performance0/6
Financial Health4/6
Dividends0/6

BPICHC1 Stock Overview

Banco Pichincha S.A. provides various banking products and services to individuals, business, and micro companies in Peru.

Banco Pichincha Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Banco Pichincha
Historical stock prices
Current Share PriceS/0.50
52 Week HighS/0.50
52 Week LowS/0.50
Beta-0.11
1 Month Change0%
3 Month Change0%
1 Year Change3.95%
3 Year Change21.37%
5 Year Change26.69%
Change since IPO161.79%

Recent News & Updates

Shareholder Returns

BPICHC1PE BanksPE Market
7D0%-2.2%-2.1%
1Y4.0%-11.1%2.6%

Return vs Industry: BPICHC1 exceeded the PE Banks industry which returned -15.6% over the past year.

Return vs Market: BPICHC1 exceeded the PE Market which returned -2% over the past year.

Price Volatility

Is BPICHC1's price volatile compared to industry and market?
BPICHC1 volatility
BPICHC1 Average Weekly Movement0%
Banks Industry Average Movement5.3%
Market Average Movement4.3%
10% most volatile stocks in PE Market8.0%
10% least volatile stocks in PE Market0.9%

Stable Share Price: BPICHC1 is less volatile than 75% of PE stocks over the past 3 months, typically moving +/- 0% a week.

Volatility Over Time: BPICHC1's weekly volatility (0%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19641,753Julio Andres Malo Vasconezhttps://www.pichincha.pe

Banco Pichincha S.A. provides various banking products and services to individuals, business, and micro companies in Peru. The company offers saving, current, and salary accounts; term deposits; personal loans; mortgages; vehicle credits; deposit letters; cancer treatment, tax relief + unemployment, card protection, protected family, tax relief, all risk, protected and payment retirement, and other insurances; payment services; debit and credit cards; international transfers; remittances; and Internet and telephone banking services, as well as buys and sells foreign currency. The company was founded in 1964 and is based in Lima, Peru.

Banco Pichincha Fundamentals Summary

How do Banco Pichincha's earnings and revenue compare to its market cap?
BPICHC1 fundamental statistics
Market CapS/473.17m
Earnings (TTM)-S/79.66m
Revenue (TTM)S/372.29m

0.5x

P/B Ratio

1.3x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
BPICHC1 income statement (TTM)
RevenueS/372.29m
Cost of RevenueS/0
Gross ProfitS/372.29m
Other ExpensesS/451.95m
Earnings-S/79.66m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)-0.084
Gross Margin100.00%
Net Profit Margin-21.40%
Debt/Equity Ratio165.1%

How did BPICHC1 perform over the long term?

See historical performance and comparison

Valuation

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

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


0.5x

Price to Book (PB) ratio

Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate BPICHC1's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate BPICHC1's fair value for valuation analysis.


Price To Earnings Ratio

PE vs Industry: BPICHC1 is unprofitable, so we can't compare its PE Ratio to the PE Banks industry average.

PE vs Market: BPICHC1 is unprofitable, so we can't compare its PE Ratio to the PE market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate BPICHC1's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: BPICHC1 is good value based on its PB Ratio (0.5x) compared to the PE Banks industry average (1.4x).


Future Growth

How is Banco Pichincha 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


8.3%

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 Pichincha 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.


Past Performance

How has Banco Pichincha performed over the past 5 years?

Past Performance Score

0/6

Past Performance Score 0/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-57.9%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: BPICHC1 is currently unprofitable.

Growing Profit Margin: BPICHC1 is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: BPICHC1 is unprofitable, and losses have increased over the past 5 years at a rate of 57.9% per year.

Accelerating Growth: Unable to compare BPICHC1's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: BPICHC1 is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (295.2%).


Return on Equity

High ROE: BPICHC1 has a negative Return on Equity (-6.92%), as it is currently unprofitable.


Financial Health

How is Banco Pichincha'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: BPICHC1's Assets to Equity ratio (11.2x) is moderate.

Allowance for Bad Loans: BPICHC1 has a low allowance for bad loans (69%).

Low Risk Liabilities: 75% of BPICHC1's liabilities are made up of primarily low risk sources of funding.

Loan Level: BPICHC1 has an appropriate level of Loans to Assets ratio (74%).

Low Risk Deposits: BPICHC1's Loans to Deposits ratio (108%) is appropriate.

Level of Bad Loans: BPICHC1 has a high level of bad loans (10.4%).


Dividend

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

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage

Dividend Yield vs Market

Notable Dividend: Unable to evaluate BPICHC1's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate BPICHC1's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if BPICHC1's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if BPICHC1's dividend payments have been increasing.


Current Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of BPICHC1's dividend in 3 years as they are not forecast to pay a notable one for the PE market.


Discover strong dividend paying companies

Management

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

3.8yrs

Average management tenure


CEO

Julio Andres Malo Vasconez

4.17yrs

Tenure

Mr. Julio Andres Malo Vasconez serves as General Manager of Banco Pichincha del Perú since March 1, 2018.


Leadership Team

Experienced Management: BPICHC1's management team is considered experienced (3.8 years average tenure).


Board Members

Experienced Board: BPICHC1'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 10%.


Top Shareholders

Company Information

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


Key Information

  • Name: Banco Pichincha S.A.
  • Ticker: BPICHC1
  • Exchange: BVL
  • Founded: 1964
  • Industry: Regional Banks
  • Sector: Banks
  • Implied Market Cap: S/473.173m
  • Shares outstanding: 946.35m
  • Website: https://www.pichincha.pe

Number of Employees


Location

  • Banco Pichincha S.A.
  • Av. Ricardo Palma 278
  • Miraflores
  • Lima
  • Lima
  • Peru

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/21 00:00
End of Day Share Price2022/05/20 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.