Banco BBVA Argentina S.A. (NYSE:BBAR) Sees Momentum Shift Amid Deep Valuation Disparity

Banco BBVA Argentina shows early signs of technical momentum recovery while fundamentals reflect depressed profitability and a very low price-to-book standing; near-term moves will hinge on momentum confirmation against strong trend breadth.

Recent News

On July 17, 2025 Banco BBVA Argentina announced the second dividend installment, adjusted for inflation, with record date July 28 and payment on July 31, 2025. On August 5, 2025 Investor’s Business Daily reported that the BBAR ADR improved its Relative Strength rating to 71, noting a recent rebound in relative price performance.

Technical Analysis

ADX / DI+ / DI-: ADX at 42.13 indicates very strong trend strength; DI+ shows a dip-and-reversal while DI- shows a peak-and-reversal, together signaling bullish directional momentum under a strong trend environment.

MACD: MACD at -1.23 with a MACD signal at -1.37 reflects a MACD dip-and-reversal; MACD sits above its signal line, indicating a bullish momentum shift despite negative absolute MACD values.

MRO: MRO at -26.91 sits below zero, which indicates price below the model target and a higher probability of upward pressure toward that target.

RSI: RSI at 33.86 with a dip-and-reversal shows recent downside with early signs of recovery from near-oversold territory, suggesting limited near-term upside potential if momentum holds.

Price vs Moving Averages and Bands: The last close at $9.26 sits near the 20-day average ($9.24) but below the 12-day EMA ($9.70), 26-day EMA ($10.92), 50-day average ($13.33) and 200-day average ($17.77), indicating the price remains inside a longer-term downtrend even as short-term indicators attempt a rebound. Bollinger bands show a lower band near $8.56 and an upper band near $9.93; current price sits inside the lower half of the band range, consistent with constrained upside potential until the 12-/26-day EMAs clear.

Volatility & Volume: 42-day beta at 1.62 and 52-week beta 1.40 imply above-market volatility. Recent volume at 1.31M versus a 10-day average of 1.43M signals average liquidity; 50-day and 200-day average volumes remain below 10-day averages, suggesting episodic trading interest.

 


Fundamental Analysis

Earnings: Reported EPS $0.21 versus an estimate of $0.37 produced an EPS surprise of -43.24%, reflecting a material miss that reduced near-term earnings momentum. Forward EPS stands at $0.3375 and forward PE reads 55.82.

Profitability & Growth: Return on assets at 0.311% and return on equity at 1.923% remain below the industry peer mean for ROA (0.398%) and ROE (4.105%), indicating weaker profitability relative to peers. Reported earnings growth shows -38.24% (current) with QoQ and YoY declines of -278.43% and -118.48% respectively, while revenue growth of 15.09% contrasts with a revenue growth YoY figure of -245.89%; these figures point to sizable short-term volatility in top-line and bottom-line trajectories.

Capital Structure & Liquidity: Debt-to-assets at 2.243% and debt-to-equity at 0.15012 (15.012%) sit well below the industry peer mean for debt-to-assets (16.134%) and the industry peer mean for debt-to-equity (2.01789), signaling low leverage on a relative basis. Cash of $3,314,124,000,000 and operating cash flow of $55,356,000,000 support liquidity metrics despite higher interest expense levels reported.

Valuation Context: Trailing PE sits at 80.18 against an industry peer mean PE of 42.34 and industry peer high of 80.50, placing the trailing multiple above the peer mean and close to the peer high. Price-to-sales at 0.012 and price-to-book at 0.00338 sit markedly below the industry peer mean and median for those metrics, with the price-to-book near the industry peer low. Forward PE of 55.82 sits above the industry peer mean forward PE of 39.11. WMDST values the stock as fair-valued, reflecting the mix of deeply low price-to-book, elevated trailing multiples, low leverage, strong reported cash, and constrained profitability.

MOST-RECENT QUARTERLY REPORT
REPORT PERIOD ENDING: 2025-06-30
REPORT DATE: 2025-08-20
NEXT REPORT DATE: 2025-11-20
CASH FLOW  Begin Period Cash Flow
 Operating Cash Flow 55.4 B
 Capital Expenditures
 Change In Working Capital -55.36 B
 Dividends Paid
 Cash Flow Delta
 End Period Cash Flow
 
INCOME STATEMENT REVENUE
 Total Revenue 797.2 B
 Forward Revenue 744.5 M
COSTS
 Cost Of Revenue
 Depreciation
 Depreciation and Amortization
 Research and Development
 Total Operating Expenses
PROFITABILITY
 Gross Profit
 EBITDA
 EBIT
 Operating Income
 Interest Income 1.1 T
 Interest Expense 459.8 B
 Net Interest Income 596.6 B
 Income Before Tax 89.9 B
 Tax Provision 30.2 B
 Tax Rate 33.656 %
 Net Income 55.4 B
 Net Income From Continuing Operations 55.4 B
EARNINGS
 EPS Estimate 0.37
 EPS Actual 0.21
 EPS Difference -0.16
 EPS Surprise -43.243 %
 Forward EPS 0.34
 
BALANCE SHEET ASSETS
 Total Assets 19.3 T
 Intangible Assets 88.5 B
 Net Tangible Assets 2.8 T
 Total Current Assets
 Cash and Short-Term Investments
 Cash 3.3 T
 Net Receivables
 Inventory
 Long-Term Investments
LIABILITIES
 Accounts Payable
 Short-Term Debt
 Total Current Liabilities
 Net Debt
 Total Debt 432.2 B
 Total Liabilities 16.3 T
EQUITY
 Total Equity 2.9 T
 Retained Earnings 138.5 B
VALUATION & PER-SHARE METRICS EQUITY & PER-SHARE METRICS
 Book Value Per-Share 4.7 K
 Shares Outstanding 612.710 M
 Revenue Per-Share 1.3 K
VALUATION
 Market Capitalization 9.7 B
 Enterprise Value 441.9 B
 Enterprise Multiple
Enterprise Multiple QoQ
Enterprise Multiple YoY
Enterprise Multiple IPRWA
 EV/R 0.554
CAPITAL STRUCTURE
 Asset To Equity 6.691
 Asset To Liability 1.18
 Debt To Capital 0.131
 Debt To Assets 0.022
Debt To Assets QoQ 42.052 %
Debt To Assets YoY 145.943 %
Debt To Assets IPRWA high: 0.24
mean: 0.161
median: 0.161
BBAR: 0.022
low: 0.006
 Debt To Equity 0.15
Debt To Equity QoQ 61.576 %
Debt To Equity YoY 258.196 %
Debt To Equity IPRWA high: 4.097
median: 2.302
mean: 2.018
BBAR: 0.15
low: 0.079
PRICE-BASED VALUATION
 Price To Book (P/B) 0.003
Price To Book QoQ -18.945 %
Price To Book YoY 32.031 %
Price To Book IPRWA high: 3.278
median: 0.995
mean: 0.784
BBAR: 0.003
low: 0.0
 Price To Earnings (P/E) 80.184
Price To Earnings QoQ 38.033 %
Price To Earnings YoY 468.569 %
Price To Earnings IPRWA high: 80.502
BBAR: 80.184
mean: 42.34
median: 39.912
low: 0.013
 PE/G Ratio -2.097
 Price To Sales (P/S) 0.012
Price To Sales QoQ -26.651 %
Price To Sales YoY 86.28 %
Price To Sales IPRWA high: 28.205
median: 5.436
mean: 5.148
BBAR: 0.012
low: 0.005
FORWARD MULTIPLES
Forward P/E 55.819
Forward PE/G -1.46
Forward P/S 13.082
EFFICIENCY OPERATIONAL
 Operating Leverage
ASSET & SALES
 Asset Turnover Ratio 0.045
Asset Turnover Ratio QoQ 0.381 %
Asset Turnover Ratio YoY -51.096 %
Asset Turnover Ratio IPRWA BBAR: 0.045
high: 0.024
median: 0.012
mean: 0.012
low: 0.003
 Receivables Turnover
Receivables Turnover Ratio QoQ
Receivables Turnover Ratio YoY
Receivables Turnover Ratio IPRWA
 Inventory Turnover
Inventory Turnover Ratio QoQ
Inventory Turnover Ratio YoY
Inventory Turnover Ratio IPRWA
 Days Sales Outstanding (DSO)
CASH CYCLE
 Cash Conversion Cycle Days (CCC)
Cash Conversion Cycle Days QoQ
Cash Conversion Cycle Days YoY
Cash Conversion Cycle Days IPRWA
CAPITAL DEPLOYMENT
 Cash Conversion Ratio
 CapEx To Revenue
 CapEx To Depreciation
 
CAPITAL, LIQUIDITY & COVERAGE CAPITAL STRUCTURE
 Total Capital 3.3 T
 Net Invested Capital 3.3 T
 Invested Capital 3.3 T
 Net Tangible Assets 2.8 T
 Net Working Capital
LIQUIDITY
 Cash Ratio
 Current Ratio
Current Ratio QoQ
Current Ratio YoY
Current Ratio IPRWA
 Quick Ratio
Quick Ratio QoQ
Quick Ratio YoY
Quick Ratio IPRWA
COVERAGE & LEVERAGE
 Debt To EBITDA
 Cost Of Debt 60.665 %
 Interest Coverage Ratio
Interest Coverage Ratio QoQ
Interest Coverage Ratio YoY
Interest Coverage Ratio IPRWA
 Operating Cash Flow Ratio
TIMING / LIQUIDITY
 Days Payables Outstanding (DPO)
DIVIDENDS
 Dividend Coverage Ratio
 Dividend Payout Ratio
 Dividend Rate
 Dividend Yield
PERFORMANCE GROWTH
 Asset Growth Rate 18.271 %
 Revenue Growth 15.089 %
Revenue Growth QoQ -386.591 %
Revenue Growth YoY -245.886 %
Revenue Growth IPRWA high: 29.43 %
BBAR: 15.089 %
mean: 11.963 %
median: 1.72 %
low: -19.894 %
 Earnings Growth -38.235 %
Earnings Growth QoQ -278.426 %
Earnings Growth YoY -118.48 %
Earnings Growth IPRWA high: 56.85 %
median: -3.226 %
mean: -3.53 %
low: -17.308 %
BBAR: -38.235 %
MARGINS
 Gross Margin
Gross Margin QoQ
Gross Margin YoY
Gross Margin IPRWA
 EBIT Margin
EBIT Margin QoQ
EBIT Margin YoY
EBIT Margin IPRWA
 Return On Sales (ROS)
Return On Sales QoQ
Return On Sales YoY
Return On Sales IPRWA
CASH FLOW
 Free Cash Flow (FCF)
 Free Cash Flow Yield
Free Cash Flow Yield QoQ
Free Cash Flow Yield YoY
Free Cash Flow Yield IPRWA
 Free Cash Growth
Free Cash Growth QoQ
Free Cash Growth YoY
Free Cash Growth IPRWA
 Free Cash To Net Income
 Cash Flow Margin 6.944 %
 Cash Flow To Earnings 1.0
VALUE & RETURNS
 Economic Value Added 0.39
 Return On Assets (ROA) 0.311 %
Return On Assets QoQ -38.538 %
Return On Assets YoY -75.278 %
Return On Assets IPRWA high: 0.613 %
median: 0.409 %
mean: 0.398 %
BBAR: 0.311 %
low: 0.049 %
 Return On Capital Employed (ROCE)
 Return On Equity (ROE) 0.019
Return On Equity QoQ -32.121 %
Return On Equity YoY -64.043 %
Return On Equity IPRWA high: 0.055
median: 0.041
mean: 0.041
BBAR: 0.019
low: 0.004
 DuPont ROE 1.96 %
 Return On Invested Capital (ROIC)
Return On Invested Capital QoQ
Return On Invested Capital YoY
Return On Invested Capital IPRWA

Six-Week Outlook

Technical indicators present a tentative bullish rotation: MACD crossed above its signal line and DI readings show dip-and-reversal and peak-and-reversal behavior that favors upside, while RSI lifted from near-oversold levels. However, ADX at 42.13 signals strong trend strength that can sustain direction; if short-term EMAs (12/26-day) fail to hold, downside continuation remains possible. Expect above-average volatility given 42-day beta 1.62; monitoring whether price sustains above the 12-day EMA and moves toward the $9.93 upper Bollinger band will indicate whether short-term momentum completes the reversal or remains a bounce in a longer downtrend. Fundamentals—especially the -43% EPS surprise, depressed ROE/ROA, and very low price-to-book—suggest valuation imbalances that could anchor price action until earnings trajectory or capital-return dynamics change.

About Banco BBVA Argentina S.A.

BBVA Banco Frances SA ADR (NYSE:BBAR), now recognized as Banco BBVA Argentina S.A., represents a significant entity within Argentina’s financial landscape. Established in 1886 and headquartered in Buenos Aires, the bank delivers a comprehensive suite of financial services to individuals and businesses. BBVA Argentina offers retail banking solutions such as checking and savings accounts, credit cards, consumer and mortgage loans, and insurance products. For small and medium-sized enterprises, the bank provides financing solutions, factoring, payroll services, and investment options. In the corporate sector, BBVA Argentina delivers advanced investment banking services, including global transaction capabilities, risk management, and advisory services for mergers and acquisitions. The bank integrates traditional banking practices with innovative technology to enhance customer experience and efficiency. As a pivotal player in the Argentine banking sector, BBVA Argentina contributes to economic growth and development, maintaining its role as a trusted financial partner.



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