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Upturn AI SWOT - About
BMA 
Banco Macro SA B ADR (BMA)
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Upturn Advisory Summary
10/14/2025: 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 $91.73
1 Year Target Price $91.73
| 2 | Strong Buy |
| 2 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 148.87% | 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 10/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.34B USD | Price to earnings Ratio 12.65 | 1Y Target Price 91.73 |
Price to earnings Ratio 12.65 | 1Y Target Price 91.73 | ||
Volume (30-day avg) 7 | Beta 0.5 | 52 Weeks Range 38.30 - 116.02 | Updated Date 10/14/2025 |
52 Weeks Range 38.30 - 116.02 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 2.70% | Basic EPS (TTM) 4.2 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 12.65 | Forward PE 3.1 | Enterprise Value -869555699712 | Price to Sales(TTM) - |
Enterprise Value -869555699712 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 1.58 | Enterprise Value to EBITDA - | Shares Outstanding 62817774 | Shares Floating 221377710 |
Shares Outstanding 62817774 | Shares Floating 221377710 | ||
Percent Insiders - | Percent Institutions 10.11 |
Upturn AI SWOT
Banco Macro SA B ADR
Company Overview
History and Background
Banco Macro S.A. was founded in 1985. Initially focusing on non-bank financial services, it acquired several state-owned banks during Argentina's privatization efforts in the 1990s, growing into one of the largest private banks in Argentina.
Core Business Areas
- Retail Banking: Offers a range of products and services to individual customers, including checking and savings accounts, loans, credit cards, and insurance products.
- Corporate Banking: Provides financial solutions to small, medium, and large-sized companies, encompassing loans, trade finance, cash management, and investment banking services.
- SME Banking: Focuses on the needs of small and medium-sized enterprises, offering specialized credit lines and business support services.
- Investment Banking: Offers services related to M&A, underwriting, and other capital market related activities.
Leadership and Structure
The bank is led by a board of directors and a management team headed by the CEO. The organizational structure is typical of a large bank, with divisions for retail, corporate, and investment banking, as well as support functions such as finance, risk management, and technology.
Top Products and Market Share
Key Offerings
- Description of Product 1, include any market share data or number of users or revenue from this product. Who are the competitors for this product:
- Personal Loans: Offers various personal loan products. The market share for personal loans within Argentina is competitive. Competitors include Banco Galicia, BBVA Argentina, and Santander Rio.
- Credit Cards: Provides a range of credit card options. Market share data is not easily accessible but the bank competes with Visa and Mastercard issuing banks such as Galicia and Santander.
- Description of Product 2, include any market share data or number of users or revenue from this product. Who are the competitors for this product:
- Description of Product 2, include any market share data or number of users or revenue from this product. Who are the competitors for this product:
- Savings Accounts: Provides savings accounts in local currency and USD. Market share is spread between several Argentinian banks including Galicia, Santander, and Nacion.
Market Dynamics
Industry Overview
The Argentinian banking sector is characterized by a mix of private and public banks. The industry is affected by macroeconomic instability, inflation, and currency fluctuations. Increasing competition from fintech companies is also a factor.
Positioning
Banco Macro is one of the largest private banks in Argentina, focusing on serving both retail and corporate clients, with a strong presence in the interior provinces. It benefits from a diversified customer base and a broad branch network.
Total Addressable Market (TAM)
The TAM for banking services in Argentina is substantial, encompassing the entire population and business sector. Banco Macro is well-positioned to capture a significant portion of this market due to its established brand, branch network, and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Extensive Branch Network
- Strong Brand Recognition
- Diversified Customer Base
- Experienced Management Team
- Strong Focus in Interior Provinces
Weaknesses
- Exposure to Argentine Macroeconomic Volatility
- High Operating Costs
- Dependence on Local Market
- Asset quality highly linked to Argentina's economy
Opportunities
- Expanding Digital Banking Services
- Growing SME Lending Portfolio
- Increasing Financial Inclusion
- Capitalizing on Fintech Partnerships
- Growing Capital Market Activities
Threats
- Economic Instability in Argentina
- Regulatory Changes
- Increased Competition from Fintech Companies
- Currency Devaluation
- Political Instability
Competitors and Market Share
Key Competitors
- BMA
- GGAL
- SUPV
- CRESY
Competitive Landscape
Banco Macro benefits from its presence in the interior provinces, but faces competition from larger international banks and local players. Its success depends on its ability to adapt to changing market conditions and offer competitive products and services.
Major Acquisitions
Banco Privado de Inversiones
- Year: 2006
- Acquisition Price (USD millions): 17
- Strategic Rationale: Expanding operations and market share.
Nuevo Banco Suquu00eda S.A.
- Year: 1996
- Acquisition Price (USD millions): 68
- Strategic Rationale: Expanded geographic coverage and customer base.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are tied to the Argentine economy and the bank's strategic initiatives.
Future Projections: Future projections depend on macroeconomic conditions in Argentina and the bank's ability to execute its strategy.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion of SME lending, and focus on operational efficiency.
Summary
Banco Macro is a major Argentinian bank benefiting from a strong regional presence. Its success is highly correlated with the Argentinian economy, exposing it to risks. It is investing in digitalization to compete in the changing landscape. Banco Macro needs to manage macroeconomic risks and competitive pressure.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Reports
- Industry Analysis
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. The data provided is based on available information and 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 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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