BBAR Financial Services

Banco BBVA Argentina S.A.

$11.35+0.62%

Price as of close on Nov 3, 2026 · Financials updated Nov 1, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: Argentina
Market cap: 2.3B USD
Full-time employees: 6,493

Overall health

Drawback: growing more slowly than most peersgrowing more slowly than peers
Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings
About average: profitability

Ranks #740 of 791 banks & insurance companies (bottom 7%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Financials may be out of date. Latest financial period ended 10 months ago.
The latest financial period we have ended 10 months ago, so the scores may not reflect recent results.
Revenue is falling. Revenue fell 32% in the 12 months to December 2025 vs the 12 months before.
Banco BBVA Argentina's revenue fell 32% in the 12 months to December 2025 vs the 12 months before.

StockQuotient Score

21/ 100▲ 1 since Oct 27 close

Oct 5 20 → Nov 4 21 (+1)

Valuation

Is the price right?

15/100

Weak▲ 2 since Oct 27 close

2/2 inputs reported · High confidence

Since last year: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 13 → 15

Share price -7.0%+2

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Weaker than most peers on:

▼ Earnings yield
▼ P/B

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield48.8%

SEC filings (IFRS mapped) · latest balance sheet · ARS→USD at the current rateReported value40% base weight · Z-score -1.08Sector median: 0.7950 · MAD: 0.2843

Earnings yield4.7%

SEC filings (IFRS mapped) · 12 months to Dec 2025 · ARS→USD at the current rateReported value60% base weight · Z-score -1.25Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield20.1%

Yahoo Finance fallback · SEC cash flow or share count unavailable · trailing 12 months · ARS→USD converted · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

0/100

Weak

1/1 inputs reported · High confidence

Since last year: No major change

Why

Weaker than most peers on:

▼ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth-65.4%

SEC filings (IFRS mapped) · 12 months to Dec 2025Outlier capped at sector 5th/95th percentile100% base weight · Z-score -3.12Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth5.0%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth-32.3%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Outlier capped at sector 5th/95th percentileInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

47/100

Moderate▼ 1 since Oct 27 close

2/2 inputs reported · High confidence

Since last year: No major change

Why it changed since the Oct 27, 2026 close: Score 48 → 47

Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.3%

SEC filings (IFRS mapped) · 12 months to Dec 2025Reported value50% base weight · Z-score 0.22Sector median: 0.0117 · MAD: 0.0062

Return on equity9.7%

SEC filings (IFRS mapped) · 12 months to Dec 2025Reported value50% base weight · Z-score -0.27Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Banco BBVA Argentina

Is Banco BBVA Argentina getting weaker?: Its latest SEC filing (Apr 9, 2026) showed no major changes. Its overall score is 21/100, up 1 since Oct 28, 2026.
How is Banco BBVA Argentina valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 15/100 against 950 banks & insurance peers. Earnings yield 4.7% vs a peer median of 7.9% (weaker than 82% of peers).Earnings yield 4.7% vs peers 7.9% (weaker than 82% of peers).
Is Banco BBVA Argentina growing?: More slowly than most of its peers. Growth scores 0/100 against 950 banks & insurance peers. Earnings per share growth -65.4% vs a peer median of 16.0% (weaker than 100% of peers).Earnings per share growth -65.4% vs peers 16.0% (weaker than 100% of peers).
How profitable is Banco BBVA Argentina?: About as profitable as its peers. Profitability scores 47/100 against 950 banks & insurance peers.
How risky is Banco BBVA Argentina?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Year ended Dec 31, 2025 · filed Apr 9, 2026 · compared with the year ended Dec 31, 2024

No major changes

	Previous year	Latest year	Change
Net income (12 months)	364.8B ARS	332.6B ARS	−8.8%
Cash	2.82T ARS	4.75T ARS	+68.3%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one year at a time.

Financials

Fiscal years from SEC annual filings · change vs the prior year · amounts in ARS, as reported

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Return on assets (ROA)	2.8%	6.5%	3.4%	2.5%	1.3%	▼ 1.2 pts
Return on equity (ROE)	18.2%	35.5%	14.8%	14.2%	9.7%	▼ 4.5 pts
Interest coverage	0.15×	0.19×	0.20×	0.25×	0.20×	▼ 21%

BBAR price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

Drawback: growing more slowly than most peersgrowing more slowly than peers

Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

About average: profitability

Ranks #740 of 791 banks & insurance companies (bottom 7%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Financials may be out of date. Latest financial period ended 10 months ago.

The latest financial period we have ended 10 months ago, so the scores may not reflect recent results.

Revenue is falling. Revenue fell 32% in the 12 months to December 2025 vs the 12 months before.

Banco BBVA Argentina's revenue fell 32% in the 12 months to December 2025 vs the 12 months before.

Questions investors ask about Banco BBVA Argentina

Is Banco BBVA Argentina getting weaker?

Its latest SEC filing (Apr 9, 2026) showed no major changes. Its overall score is 21/100, up 1 since Oct 28, 2026.

How is Banco BBVA Argentina valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 15/100 against 950 banks & insurance peers. Earnings yield 4.7% vs a peer median of 7.9% (weaker than 82% of peers).Earnings yield 4.7% vs peers 7.9% (weaker than 82% of peers).

Is Banco BBVA Argentina growing?

More slowly than most of its peers. Growth scores 0/100 against 950 banks & insurance peers. Earnings per share growth -65.4% vs a peer median of 16.0% (weaker than 100% of peers).Earnings per share growth -65.4% vs peers 16.0% (weaker than 100% of peers).

How profitable is Banco BBVA Argentina?

About as profitable as its peers. Profitability scores 47/100 against 950 banks & insurance peers.

How risky is Banco BBVA Argentina?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous year

Latest year

Change

Net income (12 months)

364.8B ARS

332.6B ARS

−8.8%

Cash

2.82T ARS

4.75T ARS

+68.3%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Return on assets (ROA)

2.8%

6.5%

3.4%

2.5%

1.3%

▼ 1.2 pts

Return on equity (ROE)

18.2%

35.5%

14.8%

14.2%

9.7%

▼ 4.5 pts

Interest coverage

0.15×

0.19×

0.20×

0.25×

0.20×

▼ 21%