Banco Pine (BSP:PINE3) Net Loan: R$2,291 Mil (As of Mar. 2026)

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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BSP:PINE3 Banco Pine SA BSP:PINE3
72 GF Score
Price R$12.34
GF Value R$12.87
Valuation Fairly Valued
! 2 Warning Signs
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What is Banco Pine Net Loan?

Banco Pine BSP:PINE3 +0.90% 72 Net Loan is R$2,291 Mil as of Mar. 2026. GuruFocus rates BSP:PINE3 with a GF Score™ of 72/100 and a GF Value™ of R$12.87 (Fairly Valued). The stock has 2 warning signs investors should review.

Banco Pine's quarterly net loan declined from Sep. 2025 (R$11,759 Mil) to Dec. 2025 (R$1,395 Mil) but then increased from Dec. 2025 (R$1,395 Mil) to Mar. 2026 (R$2,291 Mil).

Banco Pine's annual net loan increased from Dec. 2023 (R$6,432 Mil) to Dec. 2024 (R$1,395 Mil) but then declined from Dec. 2024 (R$1,395 Mil) to Dec. 2025 (R$2,291 Mil).

Banco Pine Net Loan Historical Data

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The historical data trend for Banco Pine's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Banco Pine Net Loan Chart

Banco Pine Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2,918.89 3,954.91 6,431.96 8,118.79 1,394.86

Banco Pine Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 10,406.79 11,068.47 11,758.67 1,394.86 2,290.79
BSP:PINE3
72GF Score
Banco Pine SA BSP:PINE3
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Pine Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of R$2,291 Mil mean?
Banco Pine (BSP:PINE3) has a Net Loan of R$2,291 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Banco Pine and its competitors.
Is Banco Pine's Net Loan too high?
Banco Pine's current Net Loan is R$2,291 Mil. Overall, Banco Pine has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banco Pine's Net Loan compare to competitors?
Banco Pine's Net Loan of R$2,291 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Banco Pine and its competitors. Banco Pine's current Net Loan is R$2,291 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Pine stock overvalued right now?
Based on GuruFocus' analysis, Banco Pine (BSP:PINE3) is currently considered Fairly Valued. The stock's GF Value™ is R$12.87, compared to a current price of R$12.34 — trading 4.1% below its estimated fair value. The current Net Loan is R$2,291 Mil. Banco Pine's overall GF Score™ is 72/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Banco Pine (BSP:PINE3), the current Net Loan is R$2,291 Mil as of Mar. 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 Pine (BSP:PINE3) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Pine stock appears to be undervalued. The current stock price of R$12.34 is trading 4.1% below its estimated GF Value™ of R$12.87. GuruFocus considers Banco Pine to be Fairly Valued.

Key valuation signals for BSP:PINE3:

  • Net Loan: R$2,291 Mil
  • GF Value™: R$12.87 vs. price of R$12.34 (4.1% below fair value)
  • GF Score™: 72/100 with 2 warning signs

No single metric tells the full story. See the BSP:PINE3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Banco Pine Business Description

Other Exchanges PINE4:Brazil
Address Avenida Presidente Juscelino Kubitschek, n° 1.830 - 4th Floor, Itaim Bibi, Pinheiros, SP, BRA, 4543900
Banco Pine SA is a banking company. It operates commercial, credit and financing and foreign exchange portfolios. The company's operations are conducted in the context of a group of institutions which act jointly, and certain transactions involve the co-participation or intermediation of member companies of the Pine financial conglomerate. The benefits from the intercompany services and the costs for the operating and administrative structures are absorbed, either jointly or individually, by these companies as is practicable and reasonable in the circumstances.
72GF Score

Get the complete analysis for BSP:PINE3

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$12.34
Price
R$12.87
GF Value