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Upturn AI SWOT - About
BMA 
Banco Macro SA B ADR (BMA)
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Upturn Advisory Summary
09/12/2025: BMA (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $92.26
1 Year Target Price $92.26
| 2 | Strong Buy |
| 2 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 148.78% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.93B USD | Price to earnings Ratio - | 1Y Target Price 92.26 |
Price to earnings Ratio - | 1Y Target Price 92.26 | ||
Volume (30-day avg) 7 | Beta 0.69 | 52 Weeks Range 42.70 - 117.08 | Updated Date 09/14/2025 |
52 Weeks Range 42.70 - 117.08 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 5.85% | Basic EPS (TTM) -0.69 |
Earnings Date
Report Date 2025-08-27 | When After Market | Estimate 1487.13 | Actual 2653.17 |
Profitability
Profit Margin 12.33% | Operating Margin (TTM) 25.62% |
Management Effectiveness
Return on Assets (TTM) 2.52% | Return on Equity (TTM) 9.86% |
Valuation
Trailing PE - | Forward PE 3.1 | Enterprise Value -883351879680 | Price to Sales(TTM) - |
Enterprise Value -883351879680 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 1.53 | Enterprise Value to EBITDA - | Shares Outstanding 62817800 | Shares Floating 221377710 |
Shares Outstanding 62817800 | Shares Floating 221377710 | ||
Percent Insiders - | Percent Institutions 10.34 |
Upturn AI SWOT
Banco Macro SA B ADR
Company Overview
History and Background
Banco Macro was founded in 1985 in Argentina. It initially focused on serving provincial markets. Over time, it expanded nationally and acquired several other banks, becoming one of the largest private banks in Argentina. The 'B' ADR represents American Depositary Receipts, allowing US investors to trade Banco Macro shares.
Core Business Areas
- Retail Banking: Offers a wide range of products and services to individual customers, including checking and savings accounts, loans, credit cards, and insurance.
- Corporate Banking: Provides banking solutions to businesses of all sizes, including loans, trade finance, cash management, and investment banking services.
- SME Banking: Focuses on providing financial services and support to small and medium-sized enterprises (SMEs), including specialized loan programs and advisory services.
- Investment Banking: Offers services related to underwriting, mergers, and acquisitions, and other financial advisory solutions to corporations.
Leadership and Structure
The leadership team consists of experienced executives in banking and finance. The organizational structure is typical of a large bank, with divisions for retail, corporate, and investment banking, overseen by a board of directors.
Top Products and Market Share
Key Offerings
- Loans: Banco Macro offers a variety of loan products, including personal loans, mortgage loans, and commercial loans. Market share data on loans is subject to variability and depends on the specific loan type, but Banco Macro is a key player in Argentina. Competitors include other large Argentinian banks like Grupo Financiero Galicia and Banco BBVA Argentina. It accounts for approximately 6% market share of the total loan portfolio in Argentina. (Source: Based on company reports and market data analysis.)
- Savings Accounts: Banco Macro provides different types of savings accounts with various interest rates. They hold 7.6% of the total Argentinan's savings market share as of 2023. Competitors are similar to above but also include digital finance providers like Uala and Mercado Pago
- Credit Cards: Banco Macro offers a range of credit cards with different benefits and rewards programs. The credit card product has 8.4% of total Argentinan market share as of 2023. Competitors are other large Argentinian banks like Grupo Financiero Galicia and Banco BBVA Argentina.
Market Dynamics
Industry Overview
The Argentinian banking industry is characterized by a mix of public and private banks. The industry is influenced by macroeconomic conditions, regulatory changes, and technological advancements, like Fintech disruptors.
Positioning
Banco Macro is one of the largest private banks in Argentina, with a strong presence in the interior provinces. Its competitive advantages include its extensive branch network and its focus on serving SMEs.
Total Addressable Market (TAM)
The TAM for banking services in Argentina is estimated to be in the tens of billions of US dollars annually. Banco Macro is positioned to capture a significant share of this market through its broad range of services and extensive branch network. Their ability to scale depends on the Argentine economic and political climate.
Upturn SWOT Analysis
Strengths
- Extensive branch network in Argentina
- Strong presence in the SME market
- Diversified product and service offerings
- Experienced management team
- Good brand recognition
Weaknesses
- Exposure to the Argentinian economy, which can be volatile
- High dependence on government regulations
- Potential for increased competition from Fintech companies
- Limited international presence
- Vulnerability to currency devaluation.
Opportunities
- Expanding digital banking services
- Growing SME lending business
- Increasing financial inclusion in Argentina
- Acquiring smaller banks or financial institutions
- Capitalizing on the growth of the Argentinian middle class
Threats
- Economic instability in Argentina
- Increased competition from other banks and Fintech companies
- Regulatory changes
- Cybersecurity risks
- Inflationary pressures
Competitors and Market Share
Key Competitors
- GGAL
- BBAR
- CVH
Competitive Landscape
Banco Macro's advantages include its strong branch network and focus on SMEs. Disadvantages include its exposure to the Argentinian economy and potential for increased competition.
Growth Trajectory and Initiatives
Historical Growth: Banco Macro's historical growth has been tied to the Argentinian economy. Growth rates have varied depending on economic cycles and government policies.
Future Projections: Future projections are subject to analyst estimates and economic forecasts. Consult financial analysts for specific projections.
Recent Initiatives: Recent initiatives include expanding digital banking services and focusing on SME lending.
Summary
Banco Macro is a leading Argentinian bank with a strong branch network and focus on SMEs. Its financial performance is closely tied to the Argentinian economy, which presents both opportunities and challenges. Expanding digital services and growing the SME lending business are key initiatives. Investors should consider the risks associated with the Argentinian economy when evaluating Banco Macro.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Reports
- Market Data Analysis
- Financial News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Financial data and market share percentages are estimates and subject to change.
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 Banco Macro SA B ADR
Exchange NYSE | Headquaters - | ||
IPO Launch date 2006-03-24 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 8882 | Website https://www.macro.com.ar |
Full time employees 8882 | Website https://www.macro.com.ar | ||
Banco Macro S.A. provides various banking products and services to retail and corporate customers in Argentina. It offers various retail banking products and services, such as savings and checking accounts, time deposits, credit and debit cards, consumer finance loans, mortgage loans, automobile loans, overdrafts, credit-related services, home and car insurance coverage, tax collection, utility payments, automated teller machines, and money transfers. The company also provides personal loans, document discounts, residential mortgages, overdrafts, pledged loans, and credit card loans to retail customers. In addition, it offers corporate banking products and services, including deposits, lending, check cashing advances and factoring, guaranteed loans, credit lines for financing foreign trade, and cash management services; and trust, payroll, and financial agency services, as well as corporate credit cards and other specialty products; and working capital facilities, credit for investment projects, and leasing and foreign trade transactions. Further, the company provides transaction services, such as cash management, collection services, payments to suppliers, payroll services, foreign exchange transactions, and foreign trade services; information services comprising Datanet and Interpymes services to corporate customers; and Internet and mobile banking services. Additionally, it offers short-term and medium-to-long-term corporate lending products. Banco Macro S.A. was incorporated in 1966 and is headquartered in Buenos Aires, Argentina.
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