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Upturn AI SWOT - About
BMA 
Banco Macro SA B ADR (BMA)
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Upturn Advisory Summary
08/28/2025: 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 $106.54
1 Year Target Price $106.54
| 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 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.74B USD | Price to earnings Ratio - | 1Y Target Price 106.54 |
Price to earnings Ratio - | 1Y Target Price 106.54 | ||
Volume (30-day avg) 7 | Beta 0.69 | 52 Weeks Range 56.36 - 117.08 | Updated Date 08/29/2025 |
52 Weeks Range 56.36 - 117.08 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 4.46% | Basic EPS (TTM) -0.75 |
Earnings Date
Report Date 2025-08-27 | When - | Estimate 1.92 | Actual 2653.17 |
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 -1357979320320 | Price to Sales(TTM) - |
Enterprise Value -1357979320320 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 1.79 | Enterprise Value to EBITDA - | Shares Outstanding 62817800 | Shares Floating 221377710 |
Shares Outstanding 62817800 | Shares Floating 221377710 | ||
Percent Insiders - | Percent Institutions 10.35 |
Upturn AI SWOT
Banco Macro SA B ADR
Company Overview
History and Background
Banco Macro was founded in 1985 as Macro Compau00f1u00eda Financiera, focusing on serving Argentina's regional economies. It expanded through acquisitions of privatized banks in the 1990s and 2000s, becoming a leading private-sector bank in Argentina. The ADR, trading as BMA, allows US investors to participate in the bank's growth.
Core Business Areas
- Retail Banking: Provides a range of financial products and services to individuals, including savings accounts, checking accounts, loans, credit cards, and insurance products.
- Corporate Banking: Offers financial solutions to small, medium, and large businesses, including loans, trade finance, cash management, and investment banking services.
- Investment Banking: Provides investment banking services such as underwriting, mergers and acquisitions advisory, and capital markets solutions.
- Wealth Management: Offers wealth management services to high-net-worth individuals, including investment advice, portfolio management, and estate planning.
Leadership and Structure
Banco Macro's leadership includes a board of directors and a management team led by the CEO. The organizational structure is hierarchical, with various departments and divisions responsible for different aspects of the bank's operations.
Top Products and Market Share
Key Offerings
- Loans: Banco Macro offers various loan products, including personal loans, mortgage loans, and commercial loans. Competitors include other Argentinian banks like Banco Galicia (GGAL) and BBVA Argentina (BBAR). The bank's market share in total loans in Argentina is estimated to be in the range of 10-15%.
- Credit Cards: Banco Macro offers a range of credit cards with various benefits and rewards programs. Competitors include Visa Argentina and Mastercard Argentina. It holds roughly 12% of the credit card market share in Argentina.
- Savings and Checking Accounts: Banco Macro provides a suite of deposit accounts, catering to different customer needs. Competitors are the same as above.
Market Dynamics
Industry Overview
The Argentinian banking sector is characterized by a mix of state-owned and private banks. The industry faces challenges such as high inflation, currency volatility, and regulatory uncertainty. Fintech companies are also increasing competition.
Positioning
Banco Macro is one of the largest private-sector banks in Argentina, with a strong focus on serving regional economies. It differentiates itself through its extensive branch network and personalized service. Banco Macro is positioned to potentially capitalize on the demand from underserved regional economies in Argentina.
Total Addressable Market (TAM)
The TAM for banking services in Argentina is estimated to be in the billions of USD annually. Banco Macro, with its focus on regional markets, is well-positioned to capture a significant portion of this TAM. However, Argentina's economic instability makes TAM calculation variable. Assuming a 10% market share, Macro can position itself for approximately 10% of the total market of Argentina's banking sector.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Argentina
- Extensive branch network, especially in regional areas
- Experienced management team
- Solid capital base
Weaknesses
- Exposure to Argentina's volatile economy
- High operating costs compared to some competitors
- Limited international presence
- Reliance on traditional banking models
Opportunities
- Expansion into underserved regional markets
- Growth in digital banking and fintech partnerships
- Increased demand for financial services from SMEs
- Potential for strategic acquisitions
Threats
- Economic instability in Argentina, including high inflation
- Increased competition from fintech companies
- Regulatory uncertainty and political risk
- Currency fluctuations and devaluation of the Argentinian peso
Competitors and Market Share
Key Competitors
- GGAL
- BBAR
- PAM
Competitive Landscape
Banco Macro's competitive advantage lies in its strong regional presence. However, it faces challenges from larger, more diversified banks and from emerging fintech players. GGAL and BBAR offer very similar services in the region.
Major Acquisitions
Banco Privado de Inversiones
- Year: 2006
- Acquisition Price (USD millions): 62
- Strategic Rationale: Expand into the corporate banking market and increase presence in Buenos Aires.
Growth Trajectory and Initiatives
Historical Growth: Growth has been driven by acquisitions and organic expansion in regional markets. Historical data should be interpreted with caution due to currency effects.
Future Projections: Future growth is dependent on Argentina's economic recovery and the bank's ability to adapt to changing market conditions. Analyst estimates are subject to high uncertainty.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and efforts to expand its SME lending business.
Summary
Banco Macro is a significant Argentinian bank with a strong regional presence, but it operates in a challenging economic environment. Its strengths lie in its brand recognition and extensive branch network. However, its exposure to Argentina's volatile economy and increasing competition from fintech companies pose threats to its future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, Market research reports, Financial news sources
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor. Data may be subject to inaccuracies or delays due to the volatile nature of the Argentinian economy and market.
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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