Banco Patagonia (BUE:BPAT) Cyclically Adjusted FCF per Share: ARS214.68 (As of Mar. 2026)

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BUE:BPAT Banco Patagonia SA BUE:BPAT
58 GF Score
Price ARS2,060.00
GF Value ARS1,478.97
Valuation Significantly Overvalued
! 2 Warning Signs
View Full Analysis

What is Banco Patagonia Cyclically Adjusted FCF per Share?

Banco Patagonia BUE:BPAT -0.72% 58 Cyclically Adjusted FCF per Share is ARS214.68 as of Mar. 2026. GuruFocus rates BUE:BPAT with a GF Score™ of 58/100 and a GF Value™ of ARS1,478.97 (Significantly Overvalued). The stock has 2 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 Patagonia's adjusted free cash flow per share for the three months ended in Mar. 2026 was ARS270.085. 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 ARS214.68 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Banco Patagonia's average Cyclically Adjusted FCF Growth Rate was 108.90% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 276.40% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 134.20% 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 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 Patagonia was 276.40% per year. The lowest was -6.60% per year. And the median was 66.60% per year.

As of today (2026-07-18), Banco Patagonia's current stock price is ARS2060.00. Banco Patagonia's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was ARS214.68. Banco Patagonia's Cyclically Adjusted Price-to-FCF of today is 9.60.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Banco Patagonia was 50.58. The lowest was 5.25. And the median was 16.51.


Banco Patagonia  (BUE:BPAT) 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 Patagonia's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=2060.00/214.68
=9.60

* 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 Patagonia was 50.58. The lowest was 5.25. And the median was 16.51.


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 Patagonia Cyclically Adjusted FCF per Share Related Terms


Banco Patagonia Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

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

Banco Patagonia 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 4.39 3.45 21.51 106.58 184.00

Banco Patagonia 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 102.78 128.99 187.27 184.00 214.68

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

For the Banks - Regional subindustry, Banco Patagonia'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 Patagonia Cyclically Adjusted Price-to-FCF vs Banks Industry

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

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


BUE:BPAT
58GF Score
Banco Patagonia SA BUE:BPAT
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Banco Patagonia 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 Patagonia'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)
=270.085/330.2130*330.2130
=270.085

Current CPI (Mar. 2026) = 330.2130.

Banco Patagonia Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -0.489 241.018 -0.670
201609 2.410 241.428 3.296
201612 1.623 241.432 2.220
201703 1.342 243.801 1.818
201706 -1.412 244.955 -1.903
201709 0.864 246.819 1.156
201712 1.083 246.524 1.451
201803 -3.062 249.554 -4.052
201806 8.034 251.989 10.528
201809 15.121 252.439 19.780
201812 20.180 251.233 26.524
201903 -0.937 254.202 -1.217
201906 -0.541 256.143 -0.697
201909 -6.917 256.759 -8.896
201912 -7.634 256.974 -9.810
202003 30.189 258.115 38.622
202006 -29.506 257.797 -37.794
202009 1.203 260.280 1.526
202012 9.381 260.474 11.893
202103 -10.089 264.877 -12.578
202106 -16.726 271.696 -20.328
202109 7.250 274.310 8.728
202112 15.136 278.802 17.927
202203 3.493 287.504 4.012
202206 -23.810 296.311 -26.534
202209 51.615 296.808 57.424
202212 -41.622 296.797 -46.308
202303 61.333 301.836 67.099
202306 13.773 305.109 14.906
202309 93.044 307.789 99.823
202312 10.902 306.746 11.736
202403 -222.979 312.332 -235.745
202406 515.727 314.175 542.054
202409 646.522 315.301 677.099
202412 -96.938 315.605 -101.425
202503 -52.266 319.799 -53.968
202506 252.160 322.561 258.142
202509 573.802 324.800 583.365
202512 -22.113 324.054 -22.533
202603 270.085 330.213 270.085

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 ARS214.68 mean?
Banco Patagonia (BUE:BPAT) has a Cyclically Adjusted FCF per Share of ARS214.68 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 Patagonia and its competitors.
Is Banco Patagonia's Cyclically Adjusted FCF per Share too high?
Banco Patagonia's current Cyclically Adjusted FCF per Share is ARS214.68. Overall, Banco Patagonia has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Patagonia's Cyclically Adjusted FCF per Share compare to PNC and USB?
Banco Patagonia's Cyclically Adjusted FCF per Share of ARS214.68 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 Patagonia and its competitors. Banco Patagonia's current Cyclically Adjusted FCF per Share is ARS214.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Patagonia stock overvalued right now?
Based on GuruFocus' analysis, Banco Patagonia (BUE:BPAT) is currently considered Significantly Overvalued. The stock's GF Value™ is ARS1,478.97, compared to a current price of ARS2,060.00 — trading 39.3% above its estimated fair value. The current Cyclically Adjusted FCF per Share is ARS214.68. Banco Patagonia's overall GF Score™ is 58/100 with 2 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 Patagonia (BUE:BPAT), the current Cyclically Adjusted FCF per Share is ARS214.68 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 Patagonia (BUE:BPAT) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Patagonia stock appears to be overvalued. The current stock price of ARS2,060.00 is trading 39.3% above its estimated GF Value™ of ARS1,478.97. GuruFocus considers Banco Patagonia to be Significantly Overvalued.

Key valuation signals for BUE:BPAT:

  • Cyclically Adjusted FCF per Share: ARS214.68
  • GF Value™: ARS1,478.97 vs. price of ARS2,060.00 (39.3% above fair value)
  • GF Score™: 58/100 with 2 warning signs

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


Banco Patagonia Business Description

Address Avenida de Mayo 701, 24th Floor, Buenos Aires, ARG
Banco Patagonia SA is a commercial bank based in Argentina. It provides products and services including savings accounts, checking accounts. It also provides mortgage loans, debit and credit cards, fixed-term deposits, consumer and commercial loans personal loans and other banking services. The company serves individuals, foreign residents, corporate customers, large companies, medium and small enterprises as well as agribusiness, private, financial, non-financial and government sector.
58GF Score

Get the complete analysis for BUE:BPAT

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

ARS2,060.00
Price
ARS1,478.97
GF Value