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Upturn AI SWOT - About
BMA 
Banco Macro SA B ADR (BMA)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
07/16/2025: BMA (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $105.07
1 Year Target Price $105.07
| 2 | Strong Buy |
| 2 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 148.72% | 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 07/16/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.20B USD | Price to earnings Ratio - | 1Y Target Price 105.07 |
Price to earnings Ratio - | 1Y Target Price 105.07 | ||
Volume (30-day avg) 7 | Beta 0.93 | 52 Weeks Range 40.94 - 118.42 | Updated Date 07/16/2025 |
52 Weeks Range 40.94 - 118.42 | Updated Date 07/16/2025 | ||
Dividends yield (FY) 30.72% | Basic EPS (TTM) -0.78 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -2.25% | Operating Margin (TTM) 10.07% |
Management Effectiveness
Return on Assets (TTM) -0.48% | Return on Equity (TTM) -1.59% |
Valuation
Trailing PE - | Forward PE 3.1 | Enterprise Value -1351124779008 | Price to Sales(TTM) - |
Enterprise Value -1351124779008 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 1.96 | Enterprise Value to EBITDA - | Shares Outstanding 62817800 | Shares Floating 221377710 |
Shares Outstanding 62817800 | Shares Floating 221377710 | ||
Percent Insiders - | Percent Institutions 11.34 |
Upturn AI SWOT
Banco Macro SA B ADR
Company Overview
History and Background
Banco Macro was founded in 1985. It initially focused on serving small and medium-sized enterprises (SMEs) in Argentina. Through acquisitions and organic growth, it has become one of the largest private banks in the country.
Core Business Areas
- Retail Banking: Offers a range of financial products and services to individuals, including savings accounts, checking accounts, loans, credit cards, and investment products.
- Corporate Banking: Provides financial solutions to large corporations, including lending, transaction banking, trade finance, and investment banking services.
- SME Banking: Dedicated services for small and medium-sized businesses, including specialized financing, advisory services, and tailored banking solutions.
- Investment Banking: Offers services such as underwriting, mergers and acquisitions advisory, and capital market solutions.
Leadership and Structure
Jorge Brito (Chairman), Gustavo Manriquez (CEO). The bank has a board of directors and various executive committees overseeing different business areas.
Top Products and Market Share
Key Offerings
- Personal Loans: Unsecured loans to individuals for various purposes. Market share data unavailable. Competitors include Santander Argentina, BBVA Argentina.
- Credit Cards: Wide array of credit cards with different benefits and rewards. Market share data unavailable. Competitors include Santander Argentina, BBVA Argentina.
- Corporate Loans: Loans to corporations for working capital, expansion, and other purposes. Market share data unavailable. Competitors include Santander Argentina, BBVA Argentina.
- SME Financing: Specialized lending products and services designed for SMEs. Market share data unavailable. Competitors include Santander Argentina, BBVA Argentina, Banco Galicia.
Market Dynamics
Industry Overview
The Argentine banking sector is characterized by moderate growth potential and is highly regulated. It's influenced by macroeconomic conditions, inflation, and government policies.
Positioning
Banco Macro is a leading private bank in Argentina, with a strong focus on SMEs and a wide branch network. Its competitive advantage lies in its strong regional presence.
Total Addressable Market (TAM)
The TAM for banking services in Argentina is estimated to be in the billions of USD annually. Banco Macro captures a significant portion of this market, particularly in the SME segment.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Argentina
- Extensive branch network, especially in the interior regions
- Strong focus on SME lending
- Experienced management team
Weaknesses
- High exposure to the Argentine economy
- Vulnerability to currency fluctuations
- Dependence on government policies
- Asset quality concerns in challenging economic times
Opportunities
- Growing SME sector in Argentina
- Increased demand for financial services in underserved regions
- Potential for digital transformation
- Expansion into new business lines
Threats
- Economic instability in Argentina
- High inflation rates
- Increased competition from fintech companies
- Regulatory changes
Competitors and Market Share
Key Competitors
- GGAL
- BBAR
- SUPV
Competitive Landscape
Banco Macro benefits from its regional presence but faces challenges from larger, more diversified competitors and emerging fintech companies.
Major Acquisitions
Banco Privado de Inversiones
- Year: 2006
- Acquisition Price (USD millions): 250
- Strategic Rationale: Expanded Banco Macro's presence in the corporate banking sector and broadened its customer base.
Growth Trajectory and Initiatives
Historical Growth: Banco Macro's growth has been influenced by the Argentine economy. Needs detailed revenue and asset growth data from previous years.
Future Projections: Analyst estimates vary widely, depending on macroeconomic forecasts for Argentina. Must be derived from financial models by analysts.
Recent Initiatives: Details on recent strategic initiatives should be sourced from company press releases and investor presentations. This may include partnerships, fintech investments, or changes in business focus.
Summary
Banco Macro's strength lies in its established SME customer base and extensive branch network across Argentina. Its vulnerability to the Argentine economy and currency fluctuations poses significant risks. Recent initiatives focusing on digital transformation and expanding service offerings offer potential for future growth. Competitors are working to expand their market share and must be watched.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market data and financial figures may be 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 8903 | Website https://www.macro.com.ar |
Full time employees 8903 | 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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