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Banco Macro S.A.

Banco Macro S.A.

NYSE•BMA
CEO: Mr. Jorge Francisco Scarinci C.F.A.
セクター: Financial Services
業種: Banks - Regional
上場日: 2006-03-27
Banco Macro S.A. provides various banking products and services to retail and corporate customers in Argentina. It offers various retail banking products and services, such as savings and checking accounts, time deposits, credit and debit cards, consumer finance loans, mortgage loans, automobile loans, overdrafts, credit-related services, home and car insurance coverage, tax collection, utility payments, automated teller machines, and money transfers. The company also provides personal loans, document discounts, residential mortgages, overdrafts, pledged loans, and credit card loans to retail customers. In addition, it offers corporate banking products and services, including deposits, lending, check cashing advances and factoring, guaranteed loans, credit lines for financing foreign trade, and cash management services; and trust, payroll, and financial agency services, as well as corporate credit cards and other specialty products; and working capital facilities, credit for investment projects, and leasing and foreign trade transactions. Further, the company provides transaction services, such as cash management, collection services, payments to suppliers, payroll services, foreign exchange transactions, and foreign trade services; information services comprising Datanet and Interpymes services to corporate customers; and Internet and mobile banking services. Additionally, it offers short-term and medium-to-long-term corporate lending products. Banco Macro S.A. was incorporated in 1966 and is headquartered in Buenos Aires, Argentina.
連絡先情報
Avenida Eduardo Madero 1172, Buenos Aires, Argentina
54-11-5222-6500
www.macro.com.ar
時価総額
$6.10B
PER (TTM)
31.0
15.3
配当利回り
3.2%
52週高値
$106.15
52週安値
$38.30
52週レンジ
84%
順位46Top 59.5%
3.5
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
弱い • 3.5 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q3 2025 データ

売上高

$1.08B+29.73%
直近4四半期の推移

EPS

-$0.39-136.40%
直近4四半期の推移

フリーCF

$0.00-100.00%
直近4四半期の推移

2024 Annual 決算ハイライト

主なハイライト

Net Income Plummets 74% Net income from continuing operations fell sharply to Ps. 326.5B in 2024, a 74% decrease year-over-year, primarily due to significant monetary loss impacts.
Net Interest Margin Improved NIM rose to 23.68% in 2024, up from 20.55% in 2023, driven by higher interest rates on assets despite lower average volumes.
Deposits Grew Substantially Total deposits increased to Ps. 8.42T in 2024 (constant currency), reflecting strong growth in private sector deposits despite high inflation.
Capital Ratios Remain Strong Regulatory Capital Ratio stood at 32.37% in 2024, maintaining strong capital adequacy above minimum requirements amid economic volatility.

リスク要因

Argentine Economic Volatility Persists Business highly dependent on Argentine economic, political, and geopolitical developments, including persistent high inflation and currency devaluation risks.
Coverage Ratio Declined Significantly Allowance coverage ratio dropped to 185.15% in 2024 from 268.33% in 2023, indicating lower provisioning relative to non-performing loans.
Monetary Policy Impacts Margins Central Bank rate cuts and deregulation create uncertainty regarding future interest rate spreads and potential NIM compression in lending.
Credit Quality Monitoring Intensified Management closely monitors credit quality, expecting potential deterioration if inflation remains high, despite low NPL ratios currently.

見通し

Stabilization Expected in 2025 Expect economic variables to normalize in 2025 with lower inflation forecasts, driven by fiscal surplus and expanded credit potential.
Focus on Digitalization and Retail Strategy emphasizes enhancing digital channels, growing the retail loan portfolio, and deepening customer relationships outside Buenos Aires.
Regulatory Adaptation Ongoing Commitment to adapting internal controls and risk management frameworks to evolving Central Bank regulations and IFRS updates.
Credit Growth Linked to Stability Future loan growth is contingent on sustained financial stability, lower interest rates, and improved purchasing power for the private sector.

同業比較

売上高 (TTM)

Grupo Aval Acciones y Valores S.A.AVAL
$8.75B
-3.5%
Banco Macro S.A.BMA
$4.82B
-33.4%
Webster Financial CorporationWBS
$4.42B
+5.8%

粗利益率 (最新四半期)

First Hawaiian, Inc.FHB
100.0%
+30.8pp
First Interstate BancSystem, Inc.FIBK
97.7%
+36.7pp
Synovus Financial Corp.SNV
96.5%
+38.9pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
WBS$11.78B11.710.7%5.1%
COLB$7.62B17.28.4%5.7%
VLY$7.60B12.77.8%0.7%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
-10.3%
成長鈍化
4四半期純利益CAGR
N/M
収益構造の変化
キャッシュフロー安定性
0%
キャッシュフローに注意が必要

深度リサーチ

次回決算:2026年2月25日
|
EPS:$1.78
|
売上高:$739.97M
財務レポート
財務データ
全年度
  • Form 20-F - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年4月21日|
    売上高: $7.06B-33.3%
    |
    EPS: $5.56-44.6%
    予想を上回る
  • Form 20-F - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年4月29日|
    売上高: $32.80B+80.5%
    |
    EPS: $31.08+1264.6%
    予想を上回る
  • Form 20-F - FY 2022

    会計期末: 2022年12月31日|提出日: 2023年4月28日|
    売上高: $32.80B+215.6%
    |
    EPS: $31.08+58.7%
    予想通り
  • Form 20-F - FY 2021

    会計期末: 2021年12月31日|提出日: 2022年4月28日|
    売上高: $32.80B+189.4%
    |
    EPS: $31.08-10.4%
    予想を上回る
  • Form 20-F - FY 2020

    会計期末: 2020年12月31日|提出日: 2021年4月29日|
    売上高: $32.80B+51.8%
    |
    EPS: $31.08-25.8%
    予想を上回る