Saturday 17 October 2026 Export BBAR’s income statement to Excel — free account

BBVA Banco Frances S.A.

BBVA Banco Frances S.A.’s revenue for fiscal 2025 (year ended December 2025) was $4.8 billion, down 15.8% from fiscal 2024. In the quarter to June 2026, revenue grew 7.57%, EPS grew 83.3%, free cash flow fell 107.7% and total debt rose 39.2%, each against the same quarter a year earlier.

12.78 0.16 −1.24%

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Market cap: $2.6B
P/E: 9.3×
Fwd P/E: —
Dividend yield: —
F-score: 4/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 0.11%

Capital & Financial Ratios $m

Market Cap 2,640.00

Revenue 5,020.95

Net Income 435.12

Free Cash Flow 580.70

Net Debt (1,838.62)

Current Ratio 1.06

Debt/Equity 0.33

P/E ratio 9.32

Fwd P/E —

P/S ratio 0.52

P/B ratio 0.86

Past 5Y EPS Growth 3.80%

This Y EPS Growth 97.43%

Next Y EPS Growth 37.39%

Next Y revenue growth —

Next 5Y EPS Growth 55.61%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 60.65%

10-year low 10-year high

P/S against its own 10 years 51.86%

10-year low 10-year high

P/B against its own 10 years 47.18%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2022	0.09	0.11 0.02 0.02 0.02 0.02 0.02
2019	0.26	0.26
2018	0.21	0.21
2017	0.25	0.00 0.25
2016	0.50	0.15 0.35

special payouts not included in total or ratios

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	1,204	1,243	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.27	0.44	—	—	—
’25	0.28	0.24	0.13	0.53	1.00
’24	0.20	0.61	0.52	0.62	1.65
’23	0.38	0.64	0.15	1.74	2.93
’22	0.19	0.67	0.36	0.99	1.83
’21	0.17	0.38	0.17	(0.23)	0.48
’20	0.25	0.18	0.19	0.08	0.83

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	16.20	14.55	7.11	3.04	2.10	2.47	2.03	3.67	4.63	7.76	Analyst estimates 2026–2028 Powerpack
	High	23.74	25.58	27.45	14.23	5.86	4.98	3.92	6.60	20.00	25.01
People
People	Employees	6,253	6,082	6,107	6,321	6,019	5,863	5,888	6,009	6,289	6,689
	Revenue/emp, $m	0.29	0.30	0.37	0.44	0.34	0.43	0.90	1.56	0.90	0.71
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
	Gross margin, %	68.47	69.23	61.25	63.91	71.63	62.29	57.93	37.09	65.56	56.61
	EBT	413	371	98	375	257	147	427	1,191	485	416
	EBT margin, %	22.57	20.33	4.33	13.45	12.38	5.77	8.03	12.66	8.60	8.75
	Net income	0	0	98	375	257	147	427	1,191	485	416
	Depreciation	—	—	68	87	58	59	84	109	88	89
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
	Earnings	1.61	1.14	(0.27)	1.62	0.83	0.48	1.83	2.93	1.65	1.00
	Cash flow	9.88	(4.71)	8.54	3.90	(0.70)	5.76	4.26	11.19	13.95	3.92
	Capex	(0.16)	(0.24)	(0.22)	(0.30)	(0.22)	(0.41)	(0.62)	(0.78)	(0.89)	(0.85)
	Free cash flow	9.72	(4.96)	8.32	3.60	(0.92)	5.35	3.64	10.40	13.06	3.07
	Book value	6.23	8.21	7.92	8.55	7.96	8.38	13.63	26.32	14.09	13.88
	Shares, m	179	192	204	204	204	204	204	204	204	204
Valuation, ×
Valuation, ×	P/E	13.23	20.86	0.00	3.49	4.61	6.41	1.67	1.80	9.77	15.30
	P/S	1.78	2.69	1.02	0.41	0.32	0.25	0.14	0.11	0.69	0.78
	P/B	2.93	3.12	1.43	0.65	0.40	0.38	0.27	0.20	1.35	1.30
	EV/Sales	0.11	1.59	(0.50)	(0.72)	(0.70)	(0.61)	(0.29)	(0.35)	0.16	0.07
	EV/FCF	0.11	(3.05)	(0.67)	(2.73)	7.72	(1.43)	(2.07)	(1.53)	0.34	0.56
Cash, $m
Cash, $m	Operating cash flow	1,769	(903)	1,743	797	(144)	1,177	870	2,285	2,848	800
	Capex	(28)	(47)	(44)	(62)	(45)	(84)	(126)	(160)	(181)	(173)
	Free cash flow	1,740	(950)	1,699	735	(189)	1,093	744	2,125	2,667	627
Balance, $m
Balance, $m	Working capital	1,271	1,870	355	1,124	227	684	(1,307)	3,484	1,082	592
	Total debt	198	262	88	152	—	—	154	49	127	492
	Net debt	(3,067)	(2,013)	(3,451)	(3,146)	(2,214)	(2,321)	(2,144)	(4,331)	(2,989)	(3,341)
	Shareholders’ equity	1,114	1,574	1,617	1,746	1,627	1,712	2,783	5,376	2,877	2,835
Returns, %
Returns, %	ROA	2.21	1.96	(0.40)	2.98	1.48	0.96	3.50	3.12	2.01	1.38
	ROIC	0.00	0.00	0.00	0.00	0.00	0.00	65.59	101.61	0.00	0.00
	ROE	18.93	17.43	(3.32)	19.73	8.46	5.91	20.16	14.61	9.61	8.83

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 8 Oct 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
BANC Banc of California, Inc.	$2.7B	— (loss-making)	11.3×	−60.17% (below 0%: shrinking)	n/m	+158.46% (above 0%: growing)	9.09%	0.00%	Compare
BOH Bank of Hawaii Corporation	$2.7B	12.4×	13.0×	+2.31% (above 0%: growing)	+38.32% (above 0%: growing)	+16.90% (above 0%: growing)	73.09%	0.00%	Compare
BBAR BBVA Banco Frances S.A.	$2.6B	9.3×	—	+7.57% (above 0%: growing)	+83.33% (above 0%: growing)	−107.66% (below 0%: shrinking)	69.86%	0.00%
NBTB NBT Bancorp Inc.	$2.6B	12.4×	11.1×	+4.89% (above 0%: growing)	+126.67% (above 0%: growing)	+37.10% (above 0%: growing)	79.28%	0.00%	Compare
TRMK Trustmark Corporation	$2.6B	11.4×	11.3×	+0.97% (above 0%: growing)	+18.48% (above 0%: growing)	+48.33% (above 0%: growing)	74.36%	0.00%	Compare
CUBI Customers Bancorp, Inc	$2.5B	8.8×	8.7×	+5.90% (above 0%: growing)	+19.77% (above 0%: growing)	−34.56% (below 0%: shrinking)	60.05%	0.00%	Compare
FBNC First Bancorp	$2.5B	18.7×	12.6×	+8.82% (above 0%: growing)	+31.18% (above 0%: growing)	+49.87% (above 0%: growing)	77.46%	0.00%	Compare
FBK FB Financial Corporation	$2.5B	11.4×	11.4×	−1.10% (below 0%: shrinking)	+180.40% (above 0%: growing)	+8.46% (above 0%: growing)	66.94%	0.00%	Compare
FRME First Merchants Corporation	$2.5B	12.7×	10.9×	+14.16% (above 0%: growing)	−28.57% (below 0%: shrinking)	+64.02% (above 0%: growing)	65.81%	0.00%	Compare
Median of peers	$2.6B	12.4×	11.3×	+3.60%	+31.18%	+42.72%	70.02%	0.00%

All 323 Banks Regional stocks →

BBVA Banco Frances S.A. (BBAR) key facts

Concern: BBVA Banco Frances S.A.’s revenue for fiscal 2025 (year ended December 2025) was $4.8 billion, down 15.8% from fiscal 2024.
BBVA Banco Frances S.A. (BBAR) is a Banks Regional company in the Financial sector, traded in the US as an ADR.
As of October 16, 2026, BBAR traded at $12.78, a market capitalization of $2.6 billion.
Return on equity was 8.83% and debt-to-equity 0.33.
Its Piotroski F-score is 4 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations · fundamentals updated Oct 8, 2026.