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Banco HipotecarioBHPTY 41 3-Year Book Growth Rate is 55.30% as of Jun. 2026, which is 154% above its 10-year median of 21.80. GuruFocus rates BHPTY with a GF Score™ of 41/100 and a GF Value™ of $3.17. The stock has 3 warning signs investors should review. Among 1,486 Banks companies, Banco Hipotecario ranks better than 98.79% on this metric.
During the past 12 months, Banco Hipotecario's average Book Value per Share Growth Rate was 31.30% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 55.30% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 101.60% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 70.20% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Banco Hipotecario was 158.80% per year. The lowest was 1.10% per year. And the median was 21.80% per year.
Banco Hipotecario (OTCPK:BHPTY) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Banco Hipotecario 3-Year Book Growth Rate Related Terms
BHPTY vs USB, PNC: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Banco Hipotecario's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Banco Hipotecario 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Banco Hipotecario's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Banco Hipotecario's 3-Year Book Growth Rate falls into.
Banco Hipotecario 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 55.30% mean?
Banco Hipotecario (BHPTY) has a 3-Year Book Growth Rate of 55.30% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Banco Hipotecario and its competitors. This is 154% above median its historical median of 21.80. Over the past decade, Banco Hipotecario's 3-Year Book Growth Rate has ranged from 1.10 to 158.80. According to the industry distribution chart, Banco Hipotecario ranks #18 out of 1486 companies in the Banks industry, placing it in the top 1.2%.
Is Banco Hipotecario's 3-Year Book Growth Rate too high?
Banco Hipotecario's current 3-Year Book Growth Rate of 55.30% is 154% above median its 10-year median of 21.80. Over the past 10 years, this metric has ranged from a low of 1.10 to a high of 158.80. The Banks industry median 3-Year Book Growth Rate is 8.80. Banco Hipotecario's value of 55.30% is 528.4% above this industry median. Based on the distribution chart, Banco Hipotecario ranks #18 out of 1486 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banco Hipotecario has a GF Score™ of 41/100, reflecting its overall financial health beyond just this single metric.
How does Banco Hipotecario's 3-Year Book Growth Rate compare to USB and PNC?
According to the Banks industry distribution chart, Banco Hipotecario ranks #18 out of 1486 companies for 3-Year Book Growth Rate. This places Banco Hipotecario in the top 1% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.80. Banco Hipotecario's value of 55.30% is 528.4% above this benchmark. Historically, Banco Hipotecario's own 3-Year Book Growth Rate has ranged from 1.10 to 158.80 over the past decade. While the company's 10-year median is 21.80 vs. the industry median of 8.80, Banco Hipotecario has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,486 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Hipotecario's current 3-Year Book Growth Rate of 55.30% is 528.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Banco Hipotecario and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Hipotecario's current 3-Year Book Growth Rate is 55.30%, which is 154% above median its own 10-year median of 21.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Hipotecario stock overvalued right now?
Banco Hipotecario (BHPTY) has a current 3-Year Book Growth Rate of 55.30%. The stock's GF Value™ is $3.17, compared to a current price of $3.08 — trading 2.8% below its estimated fair value. The current 3-Year Book Growth Rate is 55.30%, which is 154% above median its 10-year median of 21.80 and 528.4% above the Banks industry median of 8.80. Banco Hipotecario's overall GF Score™ is 41/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Banco Hipotecario (BHPTY), the current 3-Year Book Growth Rate is 55.30% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Banco Hipotecario (BHPTY) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Hipotecario stock appears to be undervalued.
The current stock price of $3.08 is trading 2.8% below its estimated GF Value™ of $3.17.
Key valuation signals for BHPTY:
3-Year Book Growth Rate: 55.30% (154% above median its 10-year median of 21.80)
GF Value™: $3.17 vs. price of $3.08 (2.8% below fair value)
Industry Position: 528.4% above the Banks median (#18 of 1486)
No single metric tells the full story. See the BHPTY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Hipotecario SA is an Argentine commercial bank headquartered in Buenos Aires. Originally founded as a state-owned mortgage bank, it now operates as a full-service retail and wholesale bank, offering mortgage loans, personal and consumer credit, credit cards, deposits and savings accounts, insurance, cash management, and asset management services. Its customers include individual retail clients, small and medium-sized enterprises, and large corporate and institutional borrowers. The bank also provides corporate finance and financial advisory services. Its revenue comes primarily from net interest income on loans and securities, plus fee income from banking services, insurance, and asset management. Operations are concentrated in Argentina, where it maintains a nationwide branch network. The Argentine government retains a significant ownership stake, while private investors hold the remaining shares.
41GF Score
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