BBVA Banco Frances S.A. (BBAR) vs Beacon Financial Corporation (BBT)

BBVA Banco Frances S.A. and Beacon Financial Corporation are both Banks Regional companies. BBVA Banco Frances S.A. and Beacon Financial Corporation are of similar size ($2.6B and $2.5B). BBVA Banco Frances S.A. trades at the lower P/E: 9.6× against 16.5×. Beacon Financial Corporation grew revenue faster over the last twelve months: 76.4% against 0.77%. Beacon Financial Corporation has the higher net margin (13.3% vs 5.48%) and the lower return on invested capital (8.28% vs 83.2%). Across the 18 metrics below, BBVA Banco Frances S.A. leads on 13 and Beacon Financial Corporation on 5.

Valuation

Metric BBAR BBT Banks Regional median
P/E 9.59 16.47 12.30
P/S 0.53 2.10 2.39
P/B 0.89 0.99 1.22
Price to free cash flow 4.62 11.68 11.09
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.43% 6.07% 8.01%
Free cash flow yield 21.62% 8.56% 8.78%

Profitability

Metric BBAR BBT Banks Regional median
Gross margin 57.38% 66.78% 69.56%
Operating margin 0.00% 0.00% 0.00%
Net margin 5.48% 13.32% 18.67%
Free cash flow margin 11.57% 18.00% 21.07%
Return on equity 9.71% 8.49% 10.64%
Return on assets 1.49% 0.93% 1.13%
Return on invested capital 83.22% 8.28% 8.33%

Growth

Metric BBAR BBT Banks Regional median
Revenue growth (TTM) 0.77% 76.38% 7.01%
EPS growth (last fiscal year) (39.39%) 33.85% 18.87%
Revenue growth, 5-year CAGR 18.03% 13.14% 12.43%
Net income growth, 5-year CAGR 12.05% 0.00% 9.78%

Health

Metric BBAR BBT Banks Regional median
Debt to equity 0.33 0.35 0.21
Current ratio 1.06 1.00 0.95
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BBAR BBT Banks Regional median
Dividend yield — 0.00% 2.49%
Payout ratio — 0.00 0.29

Size

Metric BBAR BBT Banks Regional median
Market cap 2.55b 2.51b 941.09m

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