Banco Hipotecario (BUE:BHIP) Cyclically Adjusted FCF per Share: ARS51.56 (As of Mar. 2026)

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BUE:BHIP Banco Hipotecario SA BUE:BHIP
54 GF Score
Price ARS348.50
GF Value ARS292.06
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Banco Hipotecario Cyclically Adjusted FCF per Share?

Banco Hipotecario BUE:BHIP -1.27% 54 Cyclically Adjusted FCF per Share is ARS51.56 as of Mar. 2026. GuruFocus rates BUE:BHIP with a GF Score™ of 54/100 and a GF Value™ of ARS292.06 (Modestly Overvalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Banco Hipotecario's adjusted free cash flow per share for the three months ended in Mar. 2026 was ARS22.527. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is ARS51.56 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Banco Hipotecario's average Cyclically Adjusted FCF Growth Rate was 13.70% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 76.00% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 119.60% 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 Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Banco Hipotecario was 154.40% per year. The lowest was 67.60% per year. And the median was 111.10% per year.

As of today (2026-07-15), Banco Hipotecario's current stock price is ARS348.50. Banco Hipotecario's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was ARS51.56. Banco Hipotecario's Cyclically Adjusted Price-to-FCF of today is 6.76.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Banco Hipotecario was 46.03. The lowest was 1.48. And the median was 7.74.


Banco Hipotecario  (BUE:BHIP) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Banco Hipotecario's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=348.50/51.56
=6.76

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Banco Hipotecario was 46.03. The lowest was 1.48. And the median was 7.74.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Banco Hipotecario Cyclically Adjusted FCF per Share Related Terms


Banco Hipotecario Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Banco Hipotecario's Cyclically Adjusted FCF per Share 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 Hipotecario Cyclically Adjusted FCF per Share Chart

Banco Hipotecario Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.40 8.81 18.94 35.80 48.03

Banco Hipotecario Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share 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 45.35 44.34 58.23 48.03 51.56

BUE:BHIP vs PNC, USB: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Banco Hipotecario's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Banco Hipotecario's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Banco Hipotecario's Cyclically Adjusted Price-to-FCF falls into.


BUE:BHIP
54GF Score
Banco Hipotecario SA BUE:BHIP
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banco Hipotecario Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Banco Hipotecario's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=22.527/330.2130*330.2130
=22.527

Current CPI (Mar. 2026) = 330.2130.

Banco Hipotecario Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -1.877 241.018 -2.572
201609 -1.710 241.428 -2.339
201612 -1.100 241.432 -1.504
201703 -3.513 243.801 -4.758
201706 0.132 244.955 0.178
201709 -0.051 246.819 -0.068
201712 -3.687 246.524 -4.939
201803 0.849 249.554 1.123
201806 0.878 251.989 1.151
201809 1.868 252.439 2.444
201812 3.131 251.233 4.115
201903 -0.873 254.202 -1.134
201906 1.188 256.143 1.532
201909 12.984 256.759 16.698
201912 -0.137 256.974 -0.176
202003 6.100 258.115 7.804
202006 -2.524 257.797 -3.233
202009 4.617 260.280 5.858
202012 4.363 260.474 5.531
202103 -0.131 264.877 -0.163
202106 -1.797 271.696 -2.184
202109 10.079 274.310 12.133
202112 2.698 278.802 3.196
202203 12.312 287.504 14.141
202206 15.373 296.311 17.132
202209 -5.582 296.808 -6.210
202212 39.790 296.797 44.270
202303 15.563 301.836 17.026
202306 -5.664 305.109 -6.130
202309 12.872 307.789 13.810
202312 74.156 306.746 79.829
202403 -0.071 312.332 -0.075
202406 229.803 314.175 241.534
202409 72.488 315.301 75.916
202412 -140.874 315.605 -147.394
202503 87.891 319.799 90.753
202506 -14.842 322.561 -15.194
202509 134.838 324.800 137.085
202512 -100.249 324.054 -102.154
202603 22.527 330.213 22.527

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of ARS51.56 mean?
Banco Hipotecario (BUE:BHIP) has a Cyclically Adjusted FCF per Share of ARS51.56 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Banco Hipotecario and its competitors.
Is Banco Hipotecario's Cyclically Adjusted FCF per Share too high?
Banco Hipotecario's current Cyclically Adjusted FCF per Share is ARS51.56. Overall, Banco Hipotecario has a GF Score™ of 54/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Hipotecario's Cyclically Adjusted FCF per Share compare to PNC and USB?
Banco Hipotecario's Cyclically Adjusted FCF per Share of ARS51.56 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 Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share 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 Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Banco Hipotecario and its competitors. Banco Hipotecario's current Cyclically Adjusted FCF per Share is ARS51.56. 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?
Based on GuruFocus' analysis, Banco Hipotecario (BUE:BHIP) is currently considered Modestly Overvalued. The stock's GF Value™ is ARS292.06, compared to a current price of ARS348.50 — trading 19.3% above its estimated fair value. The current Cyclically Adjusted FCF per Share is ARS51.56. Banco Hipotecario's overall GF Score™ is 54/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Banco Hipotecario (BUE:BHIP), the current Cyclically Adjusted FCF per Share is ARS51.56 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 Hipotecario (BUE:BHIP) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Hipotecario stock appears to be overvalued. The current stock price of ARS348.50 is trading 19.3% above its estimated GF Value™ of ARS292.06. GuruFocus considers Banco Hipotecario to be Modestly Overvalued.

Key valuation signals for BUE:BHIP:

  • Cyclically Adjusted FCF per Share: ARS51.56
  • GF Value™: ARS292.06 vs. price of ARS348.50 (19.3% above fair value)
  • GF Score™: 54/100 with 3 warning signs

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


Banco Hipotecario Business Description

Address Reconquista 151, Buenos Aires, ARG
Banco Hipotecario SA acts as a banking corporation based in Argentina. The company's operating segment includes Finance, Wholesale Banking, Retail Banking, and Others. Retail Banking segment includes loans granted and other credit products, such as deposit taking from individuals. The Wholesale Banking segment encompasses corporate and financial advice, as well as asset management and loans to large customers. It generates maximum revenue from the Retail banking segment. Some of its product include mortgage credits, personal loans, insurance, cash management, and others. Geographically, it operates only in Argentina.
54GF Score

Get the complete analysis for BUE:BHIP

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

ARS348.50
Price
ARS292.06
GF Value