Banco Mercantil do Brasil (BSP:BMEB3) Change In Receivables: R$-107 Mil (TTM As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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:BMEB3 Banco Mercantil do Brasil SA BSP:BMEB3
59 GF Score
Price R$49.08
GF Value R$40.43
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is Banco Mercantil do Brasil Change In Receivables?

Banco Mercantil do Brasil BSP:BMEB3 -0.04% 59 Change In Receivables is R$-107 Mil as of Mar. 2026. GuruFocus rates BSP:BMEB3 with a GF Score™ of 59/100 and a GF Value™ of R$40.43 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Banco Mercantil do Brasil's change in receivables for the quarter that ended in Mar. 2026 was R$-19 Mil. It means Banco Mercantil do Brasil's Accounts Receivable increased by R$19 Mil from Dec. 2025 to Mar. 2026 .

Banco Mercantil do Brasil's change in receivables for the fiscal year that ended in Dec. 2025 was R$-60 Mil. It means Banco Mercantil do Brasil's Accounts Receivable increased by R$60 Mil from Dec. 2024 to Dec. 2025 .

Banco Mercantil do Brasil's Accounts Receivable for the quarter that ended in Mar. 2026 was R$0 Mil.

Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed. Banco Mercantil do Brasil's Days Sales Outstanding for the three months ended in Mar. 2026 was 0.00.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. Banco Mercantil do Brasil's liquidation value for the three months ended in Mar. 2026 was R$-32,173 Mil.


Banco Mercantil do Brasil  (BSP:BMEB3) Change In Receivables Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.

Banco Mercantil do Brasil's Days Sales Outstanding for the quarter that ended in Mar. 2026 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=0/1825.46*91
=0.00

2. In Ben Graham's calculation of liquidation value, Banco Mercantil do Brasil's accounts receivable are only considered to be worth 75% of book value:

Banco Mercantil do Brasil's liquidation value for the quarter that ended in Mar. 2026 is calculated as:

Liquidation Value
=Cash, Cash Equivalents, Marketable Securities-Total Liabilities+(0.75 * Accounts Receivable)+(0.5 * Total Inventories)
=2150.781-34323.652+0.75 * 0+0.5 * 0
=-32,173

* 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 Mercantil do Brasil Change In Receivables Related Terms


Banco Mercantil do Brasil Change In Receivables Historical Data

* Premium members only.

The historical data trend for Banco Mercantil do Brasil's Change In Receivables 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 Mercantil do Brasil Change In Receivables Chart

Banco Mercantil do Brasil Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Change In Receivables
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 -41.13 -56.92 -60.42

Banco Mercantil do Brasil Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Change In Receivables 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 27.41 13.05 36.61 -137.49 -18.79
BSP:BMEB3
59GF Score
Banco Mercantil do Brasil SA BSP:BMEB3
Change In Receivables is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banco Mercantil do Brasil Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

Change In Receivables for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was R$-107 Mil.

* 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.

Frequently Asked Questions Learn more about Change In Receivables →
What does a Change In Receivables of R$-107 Mil mean?
Banco Mercantil do Brasil (BSP:BMEB3) has a Change In Receivables of R$-107 Mil as of Mar. 2026. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Banco Mercantil do Brasil and its competitors.
Is Banco Mercantil do Brasil's Change In Receivables too high?
Banco Mercantil do Brasil's current Change In Receivables is R$-107 Mil. Overall, Banco Mercantil do Brasil has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Mercantil do Brasil's Change In Receivables compare to competitors?
Banco Mercantil do Brasil's Change In Receivables of R$-107 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 Change In Receivables for a Banks company?
A good Change In Receivables depends on the Banks industry context. However, Change In Receivables 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 Change In Receivables mean?
A high Change In Receivables can signal that a stock is expensive relative to its fundamentals. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Banco Mercantil do Brasil and its competitors. Banco Mercantil do Brasil's current Change In Receivables is R$-107 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Mercantil do Brasil stock overvalued right now?
Based on GuruFocus' analysis, Banco Mercantil do Brasil (BSP:BMEB3) is currently considered Modestly Overvalued. The stock's GF Value™ is R$40.43, compared to a current price of R$49.08 — trading 21.4% above its estimated fair value. The current Change In Receivables is R$-107 Mil. Banco Mercantil do Brasil's overall GF Score™ is 59/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Change In Receivables calculated?
Change In Receivables is calculated from a company's financial statements. For Banco Mercantil do Brasil (BSP:BMEB3), the current Change In Receivables is R$-107 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 Mercantil do Brasil (BSP:BMEB3) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Mercantil do Brasil stock appears to be overvalued. The current stock price of R$49.08 is trading 21.4% above its estimated GF Value™ of R$40.43. GuruFocus considers Banco Mercantil do Brasil to be Modestly Overvalued.

Key valuation signals for BSP:BMEB3:

  • Change In Receivables: R$-107 Mil
  • GF Value™: R$40.43 vs. price of R$49.08 (21.4% above fair value)
  • GF Score™: 59/100 with 4 warning signs

No single metric tells the full story. See the BSP:BMEB3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Banco Mercantil do Brasil Business Description

Other Exchanges BMEB4:Brazil
Address R Rio de Janeiro 654, Belo Horizonte,, MG, BRA, 30160912
Banco Mercantil do Brasil SA offers commercial banking services. It offers personal and corporate credit cards, lease financing, business financing services, Internet banking, and other financial services. The company offers checking and savings accounts, and time deposits and funds; payroll-deductible loans, personal loans, overdraft facilities, credit cards, and vehicle financing services; private pension, insurance, and capitalization products and services; and collection, payment of taxes and fees to individuals.
59GF Score

Get the complete analysis for BSP:BMEB3

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

R$49.08
Price
R$40.43
GF Value