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Also traded in: Argentina, Brazil

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 18.24
BPATL's Cash-to-Debt is ranked higher than
70% of the 1592 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.23 vs. BPATL: 18.24 )
Ranked among companies with meaningful Cash-to-Debt only.
BPATL' s Cash-to-Debt Range Over the Past 10 Years
Min: 2.98  Med: 9.84 Max: No Debt
Current: 18.24
Equity-to-Asset 0.13
BPATL's Equity-to-Asset is ranked higher than
74% of the 1591 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.10 vs. BPATL: 0.13 )
Ranked among companies with meaningful Equity-to-Asset only.
BPATL' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.12  Med: 0.14 Max: 0.2
Current: 0.13
0.12
0.2
Interest Coverage 0.88
BPATL's Interest Coverage is ranked lower than
69% of the 1515 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.69 vs. BPATL: 0.88 )
Ranked among companies with meaningful Interest Coverage only.
BPATL' s Interest Coverage Range Over the Past 10 Years
Min: 0.34  Med: 1.13 Max: 1.97
Current: 0.88
0.34
1.97
Beneish M-Score: -2.83
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 : 6/10

vs
industry
vs
history
Operating Margin % 49.84
BPATL's Operating Margin % is ranked higher than
83% of the 1606 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 31.37 vs. BPATL: 49.84 )
Ranked among companies with meaningful Operating Margin % only.
BPATL' s Operating Margin % Range Over the Past 10 Years
Min: 10.86  Med: 45.84 Max: 57.51
Current: 49.84
10.86
57.51
Net Margin % 34.21
BPATL's Net Margin % is ranked higher than
78% of the 1605 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 22.70 vs. BPATL: 34.21 )
Ranked among companies with meaningful Net Margin % only.
BPATL' s Net Margin % Range Over the Past 10 Years
Min: 25.61  Med: 28.12 Max: 37.28
Current: 34.21
25.61
37.28
ROE % 38.06
BPATL's ROE % is ranked higher than
98% of the 1603 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 8.58 vs. BPATL: 38.06 )
Ranked among companies with meaningful ROE % only.
BPATL' s ROE % Range Over the Past 10 Years
Min: 11.52  Med: 27.33 Max: 39.86
Current: 38.06
11.52
39.86
ROA % 5.14
BPATL's ROA % is ranked higher than
97% of the 1612 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.90 vs. BPATL: 5.14 )
Ranked among companies with meaningful ROA % only.
BPATL' s ROA % Range Over the Past 10 Years
Min: 2.32  Med: 3.91 Max: 5.94
Current: 5.14
2.32
5.94
3-Year Revenue Growth Rate 27.60
BPATL's 3-Year Revenue Growth Rate is ranked higher than
95% of the 1354 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 4.20 vs. BPATL: 27.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
BPATL' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 27  Med: 33.6 Max: 46.4
Current: 27.6
27
46.4
3-Year EBITDA Growth Rate 30.20
BPATL's 3-Year EBITDA Growth Rate is ranked higher than
89% of the 1256 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 6.40 vs. BPATL: 30.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
BPATL' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -27.4  Med: 14.95 Max: 50.4
Current: 30.2
-27.4
50.4
3-Year EPS without NRI Growth Rate 38.50
BPATL's 3-Year EPS without NRI Growth Rate is ranked higher than
91% of the 1226 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 7.40 vs. BPATL: 38.50 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
BPATL' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 20.6  Med: 39.05 Max: 54.3
Current: 38.5
20.6
54.3
GuruFocus has detected 2 Warning Signs with Banco Patagonia SA $BPATL.
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» BPATL's 30-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - Latin America  
Compare:NYSE:BLX, OTCPK:CMPRF, NYSE:SUPV, NYSE:BFR, NYSE:ITCB, NYSE:BMA, NAS:GGAL, NYSE:AVAL, NYSE:CIB, NYSE:BSAC, OTCPK:GPFOY, NYSE:BCH, NYSE:BSMX, NYSE:BAP, OTCPK:GBOOY, OTCPK:BDORY, NYSE:BSBR, NYSE:BBDO, NYSE:ITUB » details
Traded in other countries:BPAA.Argentina, BPAT33.Brazil,
Headquarter Location:Argentina
Banco Patagonia SA provides commercial banking services. Its services include saving and current accounts, debit and credit cards, fixed-term deposits, consumer and commercial loans, financial assessment, cash management.

Banco Patagonia SA was incorporated on May 4, 1928. It operates as universal bank and has a nationwide distribution network. The Bank is controlled by Banco do Brasil S.A. Its segments are individuals, companies, financial and government, and other. The individuals segment groups the transactions of customers that are individuals. The products used by them include personal loans, credit cards, overdrafts, certificate of deposit and demand deposit accounts; Companies: The companies segment groups the transactions performed by large-, medium-, micro- and small-size companies that take the credit assistance offered by the Bank in addition to transaction and liability transaction services (deposits). The financial segment centralizes the transactions that the different groups of customers from the financial and government sector perform with the Bank and its main products include trading of government and private securities, investment and wholesale foreign exchange transactions, mutual funds, interest-bearing accounts, certificates of deposit, loans, purchase of credit portfolios and trusts. The government sector groups the transactions that the different Argentine federal, provincial and municipal government agencies, armed and security forces and federal universities, including the Province of Río Negro, perform with the Bank. Other includes core functions and those items that cannot be directly attributed to a particular segment such as Bank premises and equipment, and other, Provisions for miscellaneous risks or those associated with the business funding.

Ratios

vs
industry
vs
history
PE Ratio 4.23
BPATL's PE Ratio is ranked higher than
77% of the 1510 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 14.59 vs. BPATL: 4.23 )
Ranked among companies with meaningful PE Ratio only.
BPATL' s PE Ratio Range Over the Past 10 Years
Min: 2.08  Med: 6.2 Max: 43.78
Current: 4.23
2.08
43.78
PE Ratio without NRI 4.24
BPATL's PE Ratio without NRI is ranked higher than
76% of the 1477 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 14.63 vs. BPATL: 4.24 )
Ranked among companies with meaningful PE Ratio without NRI only.
BPATL' s PE Ratio without NRI Range Over the Past 10 Years
Min: 2.08  Med: 6.18 Max: 43.78
Current: 4.24
2.08
43.78
Price-to-Owner-Earnings 4.24
BPATL's Price-to-Owner-Earnings is ranked higher than
68% of the 882 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 14.21 vs. BPATL: 4.24 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
BPATL' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.08  Med: 7.67 Max: 11.63
Current: 4.24
2.08
11.63
PB Ratio 1.50
BPATL's PB Ratio is ranked lower than
95% of the 1611 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.20 vs. BPATL: 1.50 )
Ranked among companies with meaningful PB Ratio only.
BPATL' s PB Ratio Range Over the Past 10 Years
Min: 0.59  Med: 1.64 Max: 3.77
Current: 1.5
0.59
3.77
PS Ratio 1.44
BPATL's PS Ratio is ranked higher than
55% of the 1586 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 3.40 vs. BPATL: 1.44 )
Ranked among companies with meaningful PS Ratio only.
BPATL' s PS Ratio Range Over the Past 10 Years
Min: 0.62  Med: 2.46 Max: 10.62
Current: 1.44
0.62
10.62
Price-to-Free-Cash-Flow 4.99
BPATL's Price-to-Free-Cash-Flow is ranked higher than
55% of the 870 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.33 vs. BPATL: 4.99 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
BPATL' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.84  Med: 10.71 Max: 79.74
Current: 4.99
1.84
79.74
Price-to-Operating-Cash-Flow 4.49
BPATL's Price-to-Operating-Cash-Flow is ranked higher than
55% of the 940 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 10.82 vs. BPATL: 4.49 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
BPATL' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.78  Med: 9.92 Max: 149.13
Current: 4.49
1.78
149.13
EV-to-EBIT 0.01
BPATL's EV-to-EBIT is ranked higher than
82% of the 1668 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.52 vs. BPATL: 0.01 )
Ranked among companies with meaningful EV-to-EBIT only.
BPATL' s EV-to-EBIT Range Over the Past 10 Years
Min: -3.9  Med: 1.9 Max: 9.9
Current: 0.01
-3.9
9.9
EV-to-EBITDA 0.01
BPATL's EV-to-EBITDA is ranked higher than
81% of the 1685 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 11.29 vs. BPATL: 0.01 )
Ranked among companies with meaningful EV-to-EBITDA only.
BPATL' s EV-to-EBITDA Range Over the Past 10 Years
Min: -3.2  Med: 1.9 Max: 9.6
Current: 0.01
-3.2
9.6
PEG Ratio 1.16
BPATL's PEG Ratio is ranked higher than
59% of the 811 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.43 vs. BPATL: 1.16 )
Ranked among companies with meaningful PEG Ratio only.
BPATL' s PEG Ratio Range Over the Past 10 Years
Min: 0.02  Med: 0.16 Max: 1.16
Current: 1.16
0.02
1.16

Buy Back

vs
industry
vs
history

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 3.41
BPATL's Price-to-Tangible-Book is ranked lower than
94% of the 1576 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.27 vs. BPATL: 3.41 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
BPATL' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.6  Med: 1.55 Max: 3.41
Current: 3.41
0.6
3.41
Price-to-Intrinsic-Value-Projected-FCF 1.38
BPATL's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
86% of the 869 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.78 vs. BPATL: 1.38 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
BPATL' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 1.14  Med: 1.33 Max: 1.38
Current: 1.38
1.14
1.38
Price-to-Median-PS-Value 1.33
BPATL's Price-to-Median-PS-Value is ranked lower than
67% of the 1462 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.14 vs. BPATL: 1.33 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
BPATL' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.3  Med: 0.86 Max: 4.33
Current: 1.33
0.3
4.33
Price-to-Peter-Lynch-Fair-Value 0.38
BPATL's Price-to-Peter-Lynch-Fair-Value is ranked higher than
94% of the 426 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.17 vs. BPATL: 0.38 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
BPATL' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.18  Med: 0.32 Max: 0.38
Current: 0.38
0.18
0.38
Price-to-Graham-Number 1.21
BPATL's Price-to-Graham-Number is ranked lower than
66% of the 1364 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.96 vs. BPATL: 1.21 )
Ranked among companies with meaningful Price-to-Graham-Number only.
BPATL' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.29  Med: 0.67 Max: 1.35
Current: 1.21
0.29
1.35
Earnings Yield (Greenblatt) % 16041.04
BPATL's Earnings Yield (Greenblatt) % is ranked higher than
86% of the 2207 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 5.95 vs. BPATL: 16041.04 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
BPATL' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 10.1  Med: 27.25 Max: 16041.04
Current: 16041.04
10.1
16041.04
Forward Rate of Return (Yacktman) % 40.68
BPATL's Forward Rate of Return (Yacktman) % is ranked higher than
89% of the 890 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 11.45 vs. BPATL: 40.68 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
BPATL' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 22.8  Med: 46.8 Max: 90.3
Current: 40.68
22.8
90.3

More Statistics

Revenue (TTM) (Mil) $645.5
EPS (TTM) $ 0.31
Beta0.29
Short Percentage of Float0.00%
52-Week Range $22.65 - 22.65
Shares Outstanding (Mil)719.15
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