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Banco BBVA Argentina S.A.

Banco BBVA Argentina S.A.

NYSE•BBAR
CEO: Mr. Jorge Alberto Bledel
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1993-11-24
Banco BBVA Argentina S.A. provides various banking products and services to individuals and companies in Argentina. The company provides retail banking products and services, such as checking and savings accounts, time deposits, credit cards financing, consumer and pledge loans, mortgages, insurance, and investment products to individuals; and small and medium-sized companies products and services, including financing products, factoring, checking accounts, time deposits, transactional and payroll services, insurance, and investment products to private-sector companies. It also provides corporate and investment banking products and services, such as global transaction services; global markets solutions comprising risk management and securities brokerage; long-term financing products, including project finance and syndicated loans; and corporate finance services comprising mergers and acquisitions, and capital markets advisory services to corporations and multinational companies. The company was formerly known as BBVA Banco Francés S.A. and changed its name to Banco BBVA Argentina S.A. in July 2019. Banco BBVA Argentina S.A. was incorporated in 1886 and is based in Buenos Aires, Argentina.
Contact Information
Avenida COrdoba 111, 31st floor Ciudad AutOnoma de, Buenos Aires, C1054AAA, Argentina
54-11-4346-4000
www.bbva.com.ar
Market Cap
$3.39B
P/E (TTM)
16.0
14.5
Dividend Yield
1.2%
52W High
$25.01
52W Low
$7.76
52W Range
51%
Rank46Top 45.7%
3.9
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.9 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$1.20B+79.72%
4-Quarter Trend

EPS

$0.13-64.80%
4-Quarter Trend

FCF

$0.00-100.00%
4-Quarter Trend

2024 Annual Earnings Highlights

Key Highlights

Profit Rises Despite NII Drop Net profit attributable to owners grew to Ps. 360.4B in 2024 from Ps. 342.4B in 2023, driven by gains on securities and lower tax expense.
Asset Quality Shows Improvement NPL ratio decreased to 1.13% by year-end 2024 from 1.29% in 2023; coverage ratio improved significantly to 177.00%.
Deposits and Loans Expanded Total deposits grew strongly to Ps. 9.93T, supporting loan portfolio expansion to Ps. 8.28T, reflecting business activity recovery.
Robust Capital Adequacy Maintained Basel Accord Total Capital Ratio stood at a strong 21.4% as of December 31, 2024, well above the 8% regulatory minimum.

Risk Factors

Argentine Macroeconomic Instability Continued high inflation (117.8% annual CPI in 2024) and political uncertainty pose material risks to asset quality and operational stability.
Interest Rate Volatility Pressure Monetary policy shifts caused NIM compression (39.94% vs 40.41%) and volatility in net interest income due to repricing mismatches.
FX Controls and Regulatory Burden Existing and potential exchange controls and complex regulatory frameworks increase operational costs and limit financial flexibility for foreign currency transactions.
Rising Non-Performing Loans The absolute NPL portfolio increased to Ps. 112.8B by year-end 2024 from Ps. 76.7B in 2023, despite the ratio improvement.

Outlook

Monetary Policy Easing Expected Central Bank reduced policy rate to 29% by early 2025; continued disinflation may allow further rate moderation, impacting funding costs.
Private Sector Lending Diversification Strategy shifts focus from public sector lending to private sector growth, introducing new challenges in credit risk management and portfolio quality.
Digital Transformation Acceleration Bank continues significant investment in digital platforms (BBVA App, MODO) to enhance customer experience and operational efficiency.
Fiscal Surplus Achieved in 2024 Government achieved a 1.8% primary fiscal surplus in 2024, a positive step, but political pressure on spending remains a key uncertainty.

Peer Comparison

Revenue (TTM)

Banco BBVA Argentina S.A.BBAR
$4.50B
-14.3%
Pinnacle Financial Partners, Inc.PNFP
$2.82B
+2.0%
Bank OZKOZK
$2.80B
+2.5%

Gross Margin (Latest Quarter)

Pinnacle Financial Partners, Inc.PNFP
94.1%
+43.3pp
Enterprise Financial Services CorpEFSC
83.6%
+20.5pp
Nicolet Bankshares, Inc.NIC
70.8%
+4.1pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
PNFP$7.45B11.89.4%4.5%
OZK$5.36B7.612.3%1.1%
BBAR$3.39B16.012.2%3.2%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
-0.3%
Flat Growth
4Q Net Income CAGR
-33.6%
Declining Profitability
Cash Flow Stability
0%
Cash Flow Needs Attention

Research & Insights

Next earnings:Mar 4, 2026
|
EPS:$0.34
|
Revenue:-
Reports
All Years

  • Form 20-F - FY 2024

    Period End: Dec 31, 2024|Filed: Apr 4, 2025|
    Revenue: $5.68B-31.1%
    |
    EPS: $1.89-1.4%
    Beat

  • Form 20-F - FY 2023

    Period End: Dec 31, 2023|Filed: Apr 17, 2024|
    Revenue: $25.54B+63.7%
    |
    EPS: $5.94+95.6%
    Beat

  • Form 20-F - FY 2022

    Period End: Dec 31, 2022|Filed: Apr 26, 2023|
    Revenue: $35.25B+215.1%
    |
    EPS: $6.85+900.4%
    Beat

  • Form 20-F - FY 2021

    Period End: Dec 31, 2021|Filed: Apr 12, 2022|
    Revenue: $15.39B+256.2%
    |
    EPS: $0.94-38.0%
    Miss

  • Form 20-F - FY 2020

    Period End: Dec 31, 2020|Filed: Apr 15, 2021|
    Revenue: $5.82B+51.5%
    |
    EPS: $2.05-4.7%
    Beat