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BBAR 
BBVA Banco Frances SA ADR (BBAR)
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Upturn Advisory Summary
12/24/2025: BBAR (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
4 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $21.62
1 Year Target Price $21.62
| 1 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 94.25% | Avg. Invested days 38 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 12/24/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.21B USD | Price to earnings Ratio 52.23 | 1Y Target Price 21.62 |
Price to earnings Ratio 52.23 | 1Y Target Price 21.62 | ||
Volume (30-day avg) 4 | Beta 0.19 | 52 Weeks Range 7.70 - 24.69 | Updated Date 12/25/2025 |
52 Weeks Range 7.70 - 24.69 | Updated Date 12/25/2025 | ||
Dividends yield (FY) 0.84% | Basic EPS (TTM) 0.35 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 8.5% | Operating Margin (TTM) 8.78% |
Management Effectiveness
Return on Assets (TTM) 1.11% | Return on Equity (TTM) 7.19% |
Valuation
Trailing PE 52.23 | Forward PE 3.22 | Enterprise Value -352565231616 | Price to Sales(TTM) - |
Enterprise Value -352565231616 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 2.52 | Enterprise Value to EBITDA - | Shares Outstanding 204236693 | Shares Floating 161363326 |
Shares Outstanding 204236693 | Shares Floating 161363326 | ||
Percent Insiders - | Percent Institutions 8.22 |
Upturn AI SWOT
BBVA Banco Frances SA ADR
Company Overview
History and Background
BBVA Banco Francu00e9s S.A. was a leading financial institution in Argentina, established in 1934. It was part of the global BBVA (Banco Bilbao Vizcaya Argentaria) group. The bank offered a comprehensive range of financial products and services to individuals, SMEs, and large corporations. In 2021, BBVA announced the sale of its operations in Argentina to Banco Macro S.A. The ADR (American Depositary Receipt) represented shares of BBVA Banco Francu00e9s S.A. trading on US exchanges.
Core Business Areas
- Retail Banking: Provided a wide array of banking services to individuals, including checking and savings accounts, personal loans, credit cards, mortgages, and investment products.
- Corporate and Commercial Banking: Offered financing, treasury management, trade finance, and advisory services to small and medium-sized enterprises (SMEs) and large corporations.
- Investment Banking and Capital Markets: Facilitated capital raising, mergers and acquisitions advisory, and securities trading for corporate clients.
- Asset Management: Managed investment funds and provided wealth management services to individuals and institutional clients.
Leadership and Structure
As BBVA Banco Francu00e9s S.A. was a subsidiary of the Spanish BBVA group, its leadership was structured within the broader organizational framework of BBVA. The local leadership in Argentina was responsible for the day-to-day operations and strategic execution within the country, reporting to the global BBVA headquarters.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: Core deposit products offering liquidity and interest for individual and business customers. Competitors include other major Argentine banks like Banco Galicia, ICBC Argentina, and Banco Santander Ru00edo.
- Credit Cards: Provided a range of credit card options for consumers and businesses. Competitors include major card issuers and other banks. Market share data specific to BBVA Banco Francu00e9s's credit card portfolio is not publicly available post-acquisition.
- Personal and Business Loans: Offered various loan products for personal consumption and business investments. Competitors include the entire Argentine banking sector.
- Mortgage Loans: Provided financing for real estate purchases. Competitors include other mortgage lenders and financial institutions.
Market Dynamics
Industry Overview
The Argentine banking sector is characterized by a mix of state-owned and private banks, operating within a dynamic economic environment with fluctuating inflation and interest rates. The industry is highly competitive and subject to regulatory oversight by the Central Bank of Argentina. Digitalization and fintech innovation are increasingly influencing customer behavior and service delivery.
Positioning
BBVA Banco Francu00e9s was historically one of the leading private banks in Argentina, known for its strong brand recognition, extensive branch network, and a broad offering of financial products. Its competitive advantage stemmed from its affiliation with the global BBVA group, providing access to international expertise and technology, coupled with a deep understanding of the local market. However, its position has fundamentally changed with the divestment.
Total Addressable Market (TAM)
The Total Addressable Market for banking services in Argentina is substantial, encompassing the entire population and business landscape. BBVA Banco Francu00e9s, prior to its sale, held a significant share of this market. Post-acquisition by Banco Macro, its former market share is now integrated into Macro's broader market presence. Estimating a precise TAM value for the Argentine banking sector is complex due to economic volatility but represents billions of USD in deposits, loans, and financial services revenue.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Argentina.
- Extensive branch network and customer base.
- Affiliation with a global financial group (prior to sale).
- Diverse product and service offering.
Weaknesses
- Operating in a volatile economic environment (Argentina).
- Dependence on economic policies and regulations of Argentina.
- Potential integration challenges with the acquiring entity (post-sale).
Opportunities
- Growth in digital banking and fintech adoption.
- Expansion into underserved market segments.
- Leveraging economic recovery or favorable policy shifts.
- Cross-selling opportunities within the broader financial group (historically).
Threats
- Economic instability and high inflation in Argentina.
- Increased competition from local and international banks, and fintech companies.
- Changes in regulatory framework and government policies.
- Cybersecurity risks and data breaches.
Competitors and Market Share
Key Competitors
- Banco Macro S.A. (BMA)
- Grupo Financiero Galicia S.A. (GGAL)
- ICBC Argentina
- Banco Santander Argentina S.A.
Competitive Landscape
BBVA Banco Francu00e9s historically competed by offering a wide range of services, a strong brand, and leveraging its international connections. Its advantages included a broad customer base and digital capabilities. Disadvantages could include operating in a challenging economic climate and facing intense competition from established local players and state-owned banks. Post-acquisition, its former competitive standing is subsumed by Banco Macro.
Growth Trajectory and Initiatives
Historical Growth: Historically, BBVA Banco Francu00e9s S.A. experienced growth driven by the expansion of the Argentine economy and its increasing financial intermediation. Growth would have been subject to periods of economic boom and bust inherent to Argentina. Its strategy often involved expanding its product suite and digital offerings.
Future Projections: As BBVA Banco Francu00e9s S.A. no longer operates as a standalone entity, future projections are not applicable. Its former business is now part of Banco Macro's strategic outlook and growth plans within Argentina.
Recent Initiatives: Prior to the acquisition, recent initiatives would have focused on digital transformation, enhancing customer experience through online and mobile banking platforms, and optimizing its branch network. The sale itself was a significant strategic decision by BBVA.
Summary
BBVA Banco Francu00e9s S.A. was a significant player in the Argentine banking sector. Its strengths included a strong brand and extensive network. However, operating in Argentina presented inherent economic and regulatory risks. The company's divestment marked a strategic shift, and its former operations are now part of Banco Macro, which will shape its future trajectory and competitive position.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Historical financial reports of BBVA Banco Francu00e9s S.A. (pre-acquisition)
- Announcements from BBVA and Banco Macro regarding the acquisition
- Financial news and industry analysis platforms
Disclaimers:
The information provided for BBVA Banco Frances SA ADR is based on its operational history prior to its acquisition by Banco Macro S.A. in 2021. Historical market share data is estimated and may not reflect precise figures. Future performance of the divested operations will be reported under Banco Macro S.A. This information is for informational purposes only and does not constitute financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About BBVA Banco Frances SA ADR
Exchange NYSE | Headquaters - | ||
IPO Launch date 1993-11-24 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 6289 | Website https://www.bbva.com.ar |
Full time employees 6289 | Website https://www.bbva.com.ar | ||
Banco BBVA Argentina S.A. provides various banking products and services to individuals and companies in Argentina. The company provides retail banking products and services, such as checking and savings accounts, time deposits, credit cards financing, consumer and pledge loans, mortgages, insurance, and investment products to individuals; and small and medium-sized enterprises products and services, including financing products, factoring, checking accounts, time deposits, transactional and payroll services, insurance, and investment products to private-sector companies. It also provides corporate and investment banking products and services, such as global transaction services; global markets solutions comprising risk management and securities brokerage; long-term financing products, including project finance and syndicated loans; and corporate finance services comprising mergers and acquisitions, and capital markets advisory services to corporations and multinational companies. In addition, the company offers insurance products, including ATM transactions, homeowners, life and mobile devices, and others, as well as health, bicycle, and scooter insurance. Further, it offers debit card and credit card to its customers. The company was formerly known as BBVA Banco Francés S.A. and changed its name to Banco BBVA Argentina S.A. in July 2019. Banco BBVA Argentina S.A. was incorporated in 1886 and is based in Buenos Aires, Argentina.
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