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Also traded in: Argentina, Germany, Spain, USA

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 15.10
BFR's Cash to Debt is ranked higher than
57% of the 1181 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 3.02 vs. BFR: 15.10 )
Ranked among companies with meaningful Cash to Debt only.
BFR' s Cash to Debt Range Over the Past 10 Years
Min: 0.42  Med: 7.35 Max: No Debt
Current: 15.1
Equity to Asset 0.13
BFR's Equity to Asset is ranked higher than
74% of the 1662 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.10 vs. BFR: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
BFR' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.11 Max: 0.14
Current: 0.13
0.08
0.14
Interest Coverage 0.75
BFR's Interest Coverage is ranked lower than
71% of the 1545 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.65 vs. BFR: 0.75 )
Ranked among companies with meaningful Interest Coverage only.
BFR' s Interest Coverage Range Over the Past 10 Years
Min: 0.29  Med: 1.01 Max: 2.64
Current: 0.75
0.29
2.64
F-Score: 7
M-Score: -2.06
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 10/10

vs
industry
vs
history
Operating margin (%) 38.50
BFR's Operating margin (%) is ranked higher than
68% of the 1681 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 30.85 vs. BFR: 38.50 )
Ranked among companies with meaningful Operating margin (%) only.
BFR' s Operating margin (%) Range Over the Past 10 Years
Min: 9.43  Med: 38.29 Max: 69.49
Current: 38.5
9.43
69.49
Net-margin (%) 25.82
BFR's Net-margin (%) is ranked higher than
61% of the 1681 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 22.34 vs. BFR: 25.82 )
Ranked among companies with meaningful Net-margin (%) only.
BFR' s Net-margin (%) Range Over the Past 10 Years
Min: 6.93  Med: 16.29 Max: 29.22
Current: 25.82
6.93
29.22
ROE (%) 31.44
BFR's ROE (%) is ranked higher than
97% of the 1676 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 8.28 vs. BFR: 31.44 )
Ranked among companies with meaningful ROE (%) only.
BFR' s ROE (%) Range Over the Past 10 Years
Min: 9.58  Med: 28.40 Max: 36.65
Current: 31.44
9.58
36.65
ROA (%) 4.14
BFR's ROA (%) is ranked higher than
95% of the 1686 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.87 vs. BFR: 4.14 )
Ranked among companies with meaningful ROA (%) only.
BFR' s ROA (%) Range Over the Past 10 Years
Min: 1.03  Med: 2.92 Max: 4.83
Current: 4.14
1.03
4.83
Revenue Growth (3Y)(%) 24.10
BFR's Revenue Growth (3Y)(%) is ranked higher than
93% of the 1387 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.60 vs. BFR: 24.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BFR' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -17.3  Med: 13.10 Max: 44.6
Current: 24.1
-17.3
44.6
EBITDA Growth (3Y)(%) 18.70
BFR's EBITDA Growth (3Y)(%) is ranked higher than
78% of the 1278 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 5.80 vs. BFR: 18.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BFR' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -22.1  Med: 29.30 Max: 82.2
Current: 18.7
-22.1
82.2
EPS Growth (3Y)(%) 44.10
BFR's EPS Growth (3Y)(%) is ranked higher than
91% of the 1258 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 7.40 vs. BFR: 44.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BFR' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -48.6  Med: 44.10 Max: 71.9
Current: 44.1
-48.6
71.9
» BFR's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q2 2015

BFR Guru Trades in Q2 2015

Jim Simons 46,765 sh (New)
Ken Fisher 12,300 sh (New)
Chuck Royce Sold Out
» More
Q3 2015

BFR Guru Trades in Q3 2015

Ken Fisher 12,300 sh (unchged)
Jim Simons Sold Out
» More
Q4 2015

BFR Guru Trades in Q4 2015

David Dreman 143 sh (New)
Jim Simons 104,700 sh (New)
Ken Fisher 12,300 sh (unchged)
» More
Q1 2016

BFR Guru Trades in Q1 2016

Caxton Associates 122,483 sh (New)
Ken Fisher 12,300 sh (unchged)
Jim Simons Sold Out
David Dreman Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with BFR

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - Latin America
Compare:NAS:GGAL, NYSE:BMA, OTCPK:CMPRF, NYSE:ITCB, NYSE:BLX, OTCPK:BDYVY, OTCPK:BNZIF, NYSE:CIB, NYSE:BSAC, NYSE:AVAL, NYSE:BCH, OTCPK:GPFOF, OTCPK:GFRSF, OTCPK:BDORY, NYSE:BAP, OTCPK:GBOOF, NYSE:BSBR, NYSE:BBD, NYSE:ITUB » details
Traded in other countries:FRAN.Argentina, BFP.Germany, XBFR.Spain, BFRVF.USA,
BBVA Banco Frances SA provides financial products & services to corporations, medium and small companies, and individuals. It offers retail banking, enterprise banking and corporate & investment banking in Spain, Mexico, South America, USA & Eurasia.

BBVA Banco Frances S.A is an Argentine Corporation, which was incorporated under the name Banco Frances del Rio de la Plata S.A. on October 14, 1886. The Bank is a financial group, organized in five geographical business areas: Spain and Portugal, Mexico, South America, the United States and Eurasia. In addition to these geographical business areas, the Company has a separate Corporate Activities area. The Bank, through its subsidiaries, conducts its securities trading operations on the BCBA through its brokerage affiliate BBVA Frances Valores Sociedad de Bolsa S.A. It conducts capital markets and securities operations directly in the over-the-counter market and indirectly in the Buenos Aires Stock Exchange. The Bank is a provider of financial services to large corporations. The Bank has the first network in Argentina specialized in serving the small and medium-sized company segment. It provides advisory services to its customers in the selection of the adequate coverage of risks related to life, personal accidents as well as home insurance and ATM robbery insurance, within products offered by certain insurance companies. The Bank has a large network of branches throughout Argentina: there are 275 branches, 245 of which are retail branches and 30 are specialized in the middle-market segment, while seven business units grouped by industry provide personalized attention to corporate and institutional clients. BBVA Francés also has 13 in-company branches and two points of sale complemented by other distribution channels, such as 655 automatic teller machines, a telephone banking service and an Internet banking service called Francés Net, as of December 2013. Through this network the Bank provides attention to more than 1,843,328 individual clients, 18,640 companies and 834 large corporations. The Bank is a member of Banelco S.A., a corporation owned by seven partner banks that includes 16 participating banks, and its ATMs are part of the Banelco Network.

Ratios

vs
industry
vs
history
P/E(ttm) 11.95
BFR's P/E(ttm) is ranked lower than
52% of the 1598 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.56 vs. BFR: 11.95 )
Ranked among companies with meaningful P/E(ttm) only.
BFR' s P/E(ttm) Range Over the Past 10 Years
Min: 2.7  Med: 8.43 Max: 72.28
Current: 11.95
2.7
72.28
Forward P/E 12.39
BFR's Forward P/E is ranked higher than
51% of the 385 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.58 vs. BFR: 12.39 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.95
BFR's PE(NRI) is ranked lower than
52% of the 1557 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.56 vs. BFR: 11.95 )
Ranked among companies with meaningful PE(NRI) only.
BFR' s PE(NRI) Range Over the Past 10 Years
Min: 2.7  Med: 8.43 Max: 66.5
Current: 11.95
2.7
66.5
Price/Owner Earnings (ttm) 12.44
BFR's Price/Owner Earnings (ttm) is ranked lower than
55% of the 857 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.32 vs. BFR: 12.44 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
BFR' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 2.87  Med: 7.31 Max: 29.86
Current: 12.44
2.87
29.86
P/B 3.25
BFR's P/B is ranked lower than
96% of the 1706 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.03 vs. BFR: 3.25 )
Ranked among companies with meaningful P/B only.
BFR' s P/B Range Over the Past 10 Years
Min: 0.6  Med: 2.05 Max: 5.23
Current: 3.25
0.6
5.23
P/S 3.09
BFR's P/S is ranked lower than
59% of the 1685 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.88 vs. BFR: 3.09 )
Ranked among companies with meaningful P/S only.
BFR' s P/S Range Over the Past 10 Years
Min: 0.41  Med: 1.56 Max: 5.13
Current: 3.09
0.41
5.13
PFCF 3.30
BFR's PFCF is ranked higher than
75% of the 893 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 10.10 vs. BFR: 3.30 )
Ranked among companies with meaningful PFCF only.
BFR' s PFCF Range Over the Past 10 Years
Min: 0.92  Med: 2.95 Max: 3875
Current: 3.3
0.92
3875
POCF 3.26
BFR's POCF is ranked higher than
74% of the 997 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 8.84 vs. BFR: 3.26 )
Ranked among companies with meaningful POCF only.
BFR' s POCF Range Over the Past 10 Years
Min: 0.91  Med: 3.43 Max: 281.25
Current: 3.26
0.91
281.25
EV-to-EBIT 4.41
BFR's EV-to-EBIT is ranked higher than
89% of the 1547 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.99 vs. BFR: 4.41 )
Ranked among companies with meaningful EV-to-EBIT only.
BFR' s EV-to-EBIT Range Over the Past 10 Years
Min: -49.1  Med: 2.60 Max: 171.7
Current: 4.41
-49.1
171.7
EV-to-EBITDA 4.25
BFR's EV-to-EBITDA is ranked higher than
88% of the 1546 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 11.77 vs. BFR: 4.25 )
Ranked among companies with meaningful EV-to-EBITDA only.
BFR' s EV-to-EBITDA Range Over the Past 10 Years
Min: -49.1  Med: 1.80 Max: 80.7
Current: 4.25
-49.1
80.7
PEG 0.35
BFR's PEG is ranked higher than
86% of the 751 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.07 vs. BFR: 0.35 )
Ranked among companies with meaningful PEG only.
BFR' s PEG Range Over the Past 10 Years
Min: 0.04  Med: 0.11 Max: 1.56
Current: 0.35
0.04
1.56
Shiller P/E 30.23
BFR's Shiller P/E is ranked lower than
86% of the 505 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 16.65 vs. BFR: 30.23 )
Ranked among companies with meaningful Shiller P/E only.
BFR' s Shiller P/E Range Over the Past 10 Years
Min: 8.94  Med: 26.09 Max: 111.11
Current: 30.23
8.94
111.11

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.78
BFR's Dividend Yield is ranked lower than
92% of the 2247 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 3.04 vs. BFR: 0.78 )
Ranked among companies with meaningful Dividend Yield only.
BFR' s Dividend Yield Range Over the Past 10 Years
Min: 0.06  Med: 5.91 Max: 19.85
Current: 0.78
0.06
19.85
Dividend Payout 0.10
BFR's Dividend Payout is ranked higher than
93% of the 1293 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.33 vs. BFR: 0.10 )
Ranked among companies with meaningful Dividend Payout only.
BFR' s Dividend Payout Range Over the Past 10 Years
Min: 0.07  Med: 0.90 Max: 4.05
Current: 0.1
0.07
4.05
Forward Dividend Yield 0.78
BFR's Forward Dividend Yield is ranked lower than
94% of the 2105 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 3.22 vs. BFR: 0.78 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 0.77
BFR's Yield on cost (5-Year) is ranked lower than
92% of the 2502 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 3.61 vs. BFR: 0.77 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BFR' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.06  Med: 5.91 Max: 19.85
Current: 0.77
0.06
19.85

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.28
BFR's Price/Tangible Book is ranked lower than
95% of the 1698 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.09 vs. BFR: 3.28 )
Ranked among companies with meaningful Price/Tangible Book only.
BFR' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.24  Med: 2.18 Max: 9.02
Current: 3.28
0.24
9.02
Price/Projected FCF 0.61
BFR's Price/Projected FCF is ranked lower than
52% of the 907 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.65 vs. BFR: 0.61 )
Ranked among companies with meaningful Price/Projected FCF only.
BFR' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.15  Med: 0.98 Max: 7.47
Current: 0.61
0.15
7.47
Price/DCF (Earnings Based) 0.42
BFR's Price/DCF (Earnings Based) is ranked higher than
75% of the 105 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.71 vs. BFR: 0.42 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.98
BFR's Price/Median PS Value is ranked lower than
96% of the 1614 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.99 vs. BFR: 1.98 )
Ranked among companies with meaningful Price/Median PS Value only.
BFR' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.07  Med: 0.90 Max: 2.72
Current: 1.98
0.07
2.72
Price/Peter Lynch Fair Value 1.04
BFR's Price/Peter Lynch Fair Value is ranked lower than
65% of the 431 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.89 vs. BFR: 1.04 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
BFR' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.12  Med: 0.27 Max: 1.19
Current: 1.04
0.12
1.19
Price/Graham Number 1.32
BFR's Price/Graham Number is ranked lower than
86% of the 1506 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.82 vs. BFR: 1.32 )
Ranked among companies with meaningful Price/Graham Number only.
BFR' s Price/Graham Number Range Over the Past 10 Years
Min: 0.35  Med: 0.92 Max: 12.96
Current: 1.32
0.35
12.96
Earnings Yield (Greenblatt) (%) 22.69
BFR's Earnings Yield (Greenblatt) (%) is ranked higher than
90% of the 1699 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 7.10 vs. BFR: 22.69 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BFR' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.6  Med: 16.25 Max: 3460.6
Current: 22.69
0.6
3460.6
Forward Rate of Return (Yacktman) (%) 21.34
BFR's Forward Rate of Return (Yacktman) (%) is ranked higher than
69% of the 870 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.80 vs. BFR: 21.34 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BFR' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 1.7  Med: 35.80 Max: 115.2
Current: 21.34
1.7
115.2

More Statistics

Revenue (TTM) (Mil) $1,398
EPS (TTM) $ 1.96
Beta1.12
Short Percentage of Float0.17%
52-Week Range $12.51 - 25.35
Shares Outstanding (Mil)178.96

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 226,466 242,685 281,094
EPS ($) 22.74 19.38 19.58
EPS w/o NRI ($) 22.74 19.38 19.58
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» More Articles for BFR

Headlines

Articles On GuruFocus.com
Wide Margins of Safety for These Stocks May 31 2016 
Predictable and Undervalued Companies - Part III Jun 10 2015 
Uncertainty and Company Valuations: The case of Argentina Mar 08 2014 
Should You Stay Long Argentinean Banks? Oct 13 2013 
Argentina's New Debt Exchange: Go Long Banks Sep 01 2013 
Top International Dividend Stocks (ADR’s) – Telecom Stocks Dominate Jan 19 2012 
BBVA Banco Frances (BFR) Company Report Nov 06 2011 
Investors Bet on Latin America May 11 2011 

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