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Banco BBVA Argentina S.A.

BBAR
43
Banks - Regional · Financial Services
Price
$19.52
-0.03 (-0.15%)
Market Cap
$3.99B
Exchange
New York Stock Exchange
Winston Score
43
Winston is serious
Mixed quality — meaningful strengths and weaknesses.

Banco BBVA Argentina is one of the largest private banks in Argentina. It offers everyday banking services like checking accounts, savings accounts, loans, credit cards, and insurance to regular people and businesses across the country. It is a subsidiary of the global Spanish banking group BBVA, which gives it access to international expertise and technology.

The bank makes money by charging interest on loans, collecting fees on accounts and transactions, and selling financial products like insurance and investments. It operates almost entirely within Argentina, which means its performance is closely tied to the Argentine economy — a country with a long history of inflation, currency controls, and economic instability. Argentina's ongoing efforts to stabilize its economy and reduce inflation could boost demand for banking services, but persistent macroeconomic volatility remains the single biggest risk to the business.

Winston Score History

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+69.1% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+0.1% YoY

YoY Growth Rate

Slow EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.1%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$23.4T cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Banco BBVA Argentina S.A. grew revenue 69% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

+0.0% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 204.2M (2021) → 204.2M (2025)

Score breakdown

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Quality

Gross Margin
50.8%
Healthy — 50.8% gross margin
Operating Margin
7.3%
Modest — 7.3% operating margin
ROCE
2.9%
Weak — 2.9% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY
+31.3%
Fast-growing sales (31.3% YoY)
EPS YoY
-21.9%
Earnings shrinking (-21.9% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency
4/8 quarters
Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion
285%
Turns 285% of profit into real cash
FCF Margin
10.1%
Modest free cash flow (10.1%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity
0.19
Conservative — low debt load (0.19)
Interest Cover
0.18x
Dangerous — barely covers interest (0.2x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)
0.0x
Attractive valuation — P/E 0.0

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward
+0.0
GROWING
Earnings roughly flat

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Dividends

Dividend Yield
1.99%
Small dividend — 1.99% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth
+24.5%
Dividend growing fast (24.5% YoY)

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