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BBVA Banco Frances S.A.

BBAR Financial Banks Regional

BBVA Banco Frances S.A.’s revenue for fiscal 2025 (year ended December 2025) was $4.8 billion, down 15.8% from fiscal 2024.

Revenue
+0.73%
EPS
+83.3%
Free cash flow
−107.7%
Total debt
+39.2%

Quarter to June 2026, against a year earlier

10.81 0.37 −3.31%
Market cap
$2.2B
P/E
7.9×
Fwd P/E
—
Dividend yield
—
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Size
Market Cap 2,200.00
Revenue ttm 4,941.90
Net income ttm 435.12
Free cash flow ttm 580.70
Net debt Q (1,838.62)
Valuation
P/E 7.88
Forward P/E —
Price / sales 0.45
Forward P/S Powerpack
Price / FCF 3.80
Price / book 0.73
Financial health
Current ratio Q 1.06
Debt / equity Q 0.33
Interest coverage Q —
Growth
Revenue growth Q +0.73% (above 0%: growing)
Operating income growth Q +119.78% (above 0%: growing)
EPS, this year +97.43% (at or above 15%: strong)
EPS, next year A +37.39% (at or above 15%: strong)
Revenue, next year A —
EPS, past 5 yrs +12.05%
EPS, next 5 yrs A +55.61% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 53.29%
10-year low 10-year high
P/S against its own 10 years 50.53%
10-year low 10-year high
P/B against its own 10 years 41.99%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—
Growth, 2016–22
−24.9%/yr
  1. 0.50 ’16
  2. 0.25 ’17 −50
  3. 0.21 ’18 −17
  4. 0.26 ’19 +25
  5. 0.09 ’22 −66
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 4,380 3,117 3,833 2,841
Receivables — — — —
Inventory — — — —
Other — — — —
17,421 12,226 15,391 14,319
2023 2024 2025 Q'26
Payables 13,829 10,923 13,764 13,446
ST’ Debt — — — —
Other — — — —
13,936 11,144 14,800 13,446

Compound Annual Growth %

10y 5y 3y
Sales 8.00% 18.03% (3.66%)
Cash Flow (8.81%) 0.00% (2.76%)
Earnings (4.79%) 12.05% (17.75%)
Book Value 6.63% 11.75% 0.62%

Earnings Trends EPS, adjusted, against the consensus

Jun 2026 Estimate 0.35 Actual 0.44

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Sep 2025 0.20 0.13 Miss by 0.07
Dec 2025 0.34 0.18 Miss by 0.16
Mar 2026 0.17 0.27 Beat by 0.10
Jun 2026 0.35 0.44 Beat by 0.09
Sep 2026 0.41 — Reports 24 November 2026

EPS $

Mar Jun Sep Dec Year
’26 0.27 0.44 — — —
’25 0.35 0.24 0.13 0.53 1.23
’24 0.20 0.61 0.52 0.62 1.94
’23 0.38 0.64 0.15 1.74 2.93
’22 0.19 0.67 0.36 0.99 2.22
’21 0.17 0.38 0.17 (0.23) 0.48
’20 0.25 0.18 0.19 0.08 0.70
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 1,204 1,164 — — —
’25 1,025 1,155 1,177 1,397 4,754
’24 1,672 1,169 1,008 1,795 5,645
’23 1,420 1,740 2,075 4,168 9,403
’22 571 745 1,210 2,791 5,317
’21 470 535 637 903 2,545
’20 404 392 380 900 2,076
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (4) (9) — — —
’25 (469) 503 190 576 800
’24 508 489 1,777 74 2,848
’23 447 219 134 1,485 2,285
’22 (144) (40) 237 817 870
’21 521 74 181 402 1,177
’20 (230) (482) 322 246 (144)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (22) (36) — — —
’25 (485) 473 153 486 627
’24 479 467 1,791 (69) 2,667
’23 437 207 117 1,363 2,125
’22 (154) (62) 239 721 744
’21 513 63 169 348 1,093
’20 (236) (488) 312 223 (189)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 1,828 1,825 2,266 2,786 2,076 2,545 5,317 9,403 5,645 4,754 4,942 +11.2% — — — —
Gross margin, % 68.47 69.23 61.25 63.91 71.63 62.29 57.93 37.09 65.56 56.61 56.70 (11.9) pt
EBT 413 371 98 375 257 147 427 1,191 485 416 436 +0.1%
EBT margin, % 22.57 20.33 4.33 13.45 12.38 5.77 8.03 12.66 8.60 8.75 8.82 (13.8) pt
Net income 0 0 98 375 257 147 427 1,191 485 416 435 n/m
Per share, $
Per share, $ Revenue 10.22 9.53 11.10 13.64 10.16 12.46 26.03 46.04 27.64 23.28 24.20 +9.6%
Earnings 1.38 1.14 (0.27) 1.62 0.70 0.48 2.22 2.93 1.94 1.23 1.37 (1.2%)
Cash flow 9.88 (4.71) 8.54 3.90 (0.70) 5.76 4.26 11.19 13.95 3.92 3.69 (9.8%)
Capex (0.16) (0.24) (0.22) (0.30) (0.22) (0.41) (0.62) (0.78) (0.89) (0.85) (0.84) +20.5%
Free cash flow 9.72 (4.96) 8.32 3.60 (0.92) 5.35 3.64 10.40 13.06 3.07 2.84 (12.0%)
Book value 6.23 8.21 7.92 8.55 7.96 8.38 13.63 26.32 14.09 13.88 14.83 +9.3%
Shares, m 179 192 204 204 204 204 204 204 204 204 204 +1.5%
Valuation, ×
Valuation, × P/E 13.23 20.86 0.00 3.49 4.61 6.41 1.67 1.80 9.77 14.49 7.88 7.6
P/S 1.78 2.69 1.02 0.41 0.32 0.25 0.14 0.11 0.69 0.78 0.45 0.8
P/B 2.93 3.12 1.43 0.65 0.40 0.38 0.27 0.20 1.35 1.30 0.73 1.2
EV/Sales 0.11 1.59 (0.50) (0.72) (0.70) (0.61) (0.29) (0.35) 0.16 0.07 — (0.1)
EV/FCF 0.11 (3.05) (0.67) (2.73) 7.72 (1.43) (2.07) (1.53) 0.34 0.56 — (0.3)
Cash, $m
Cash, $m Operating cash flow 1,769 (903) 1,743 797 (144) 1,177 870 2,285 2,848 800 753 (8.4%)
Capex (28) (47) (44) (62) (45) (84) (126) (160) (181) (173) (172) +22.3%
Free cash flow 1,740 (950) 1,699 735 (189) 1,093 744 2,125 2,667 627 581 (10.7%)
Balance, $m
Balance, $m Working capital 1,271 1,870 355 1,124 227 684 (1,307) 3,484 1,082 592 873 (8.1%)
Net debt (3,067) (2,013) (3,451) (3,146) (2,214) (2,321) (2,144) (4,331) (2,989) (3,341) (1,839) +1.0%
Shareholders’ equity 1,114 1,574 1,617 1,746 1,627 1,712 2,783 5,376 2,877 2,835 3,028 +10.9%
Returns, %
Returns, % ROA 2.21 1.96 (0.40) 2.98 1.48 0.96 3.50 3.12 2.01 1.38 1.49 (0.8) pt
ROIC 0.00 0.00 0.00 0.00 0.00 0.00 65.59 101.61 0.00 0.00 100.94 0.0 pt
ROE 18.93 17.43 (3.32) 19.73 8.46 5.91 20.16 14.61 9.61 8.83 9.71 (10.1) pt
People
People Employees 6,253 6,082 6,107 6,321 6,019 5,863 5,888 6,009 6,289 6,689 — +0.8%
Revenue/emp, $m 0.29 0.30 0.37 0.44 0.34 0.43 0.90 1.56 0.90 0.71 — +10.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 2 Nov 2026

BBVA Banco Frances S.A. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
SYBT Stock Yards Bancorp, Inc. $2.5B 15.2× 14.8× +11.93% (above 0%: growing) +14.63% (above 0%: growing) +134.96% (above 0%: growing) 74.21% 0.00% Compare
MBIN Merchants Bancorp $2.4B 8.3× 8.4× +13.68% (above 0%: growing) +136.04% (above 0%: growing) +267.73% (above 0%: growing) 57.39% 0.00% Compare
BUSE First Busey Corporation $2.3B 11.7× 11.5× −4.46% (below 0%: shrinking) +6.90% (above 0%: growing) +29.75% (above 0%: growing) 70.90% 0.00% Compare
NWBI Northwest Bancshares, Inc. $2.2B 11.1× 10.9× +8.47% (above 0%: growing) +1,650.00% (above 0%: growing) +538.73% (above 0%: growing) 75.12% 0.00% Compare
EFSC Enterprise Financial Services Corporation $2.2B 12.4× 12.3× −8.24% (below 0%: shrinking) −4.17% (below 0%: shrinking) +50.95% (above 0%: growing) 74.70% 0.00% Compare
BBAR BBVA Banco Frances S.A. $2.2B 7.9× — +0.73% (above 0%: growing) +83.33% (above 0%: growing) −107.66% (below 0%: shrinking) 67.81% 0.00%
WAFD WaFd, Inc. $2.2B 9.2× 10.9× +8.60% (above 0%: growing) +4.11% (above 0%: growing) +33.88% (above 0%: growing) 58.85% 0.00% Compare
OFG OFG Bancorp $2.1B 9.6× 9.4× −1.39% (below 0%: shrinking) +14.53% (above 0%: growing) +41.84% (above 0%: growing) 81.53% 0.00% Compare
SRCE 1st Source Corporation $2.1B 12.0× 11.6× +3.41% (above 0%: growing) +18.71% (above 0%: growing) +38.99% (above 0%: growing) 76.13% 0.00% Compare
Median of peers $2.2B 11.4× 11.2× +5.94% +14.58% +46.40% 74.46% 0.00%

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BBAR metrics, ten years each

stockrow.com/BBAR · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com