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EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Banco Pine's Enterprise Value is R$11,394 Mil.
Banco Pine's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was R$1,559 Mil. Therefore, Banco Pine's EV-to-OCF for today is 7.31.
The historical rank and industry rank for Banco Pine's EV-to-OCF or its related term are showing as below:
BSP:PINE4'
s EV-to-OCF Range Over the Past 10 Years
Min: -111.26 Med: -1.55 Max: 241.59
Current: 7.26
During the past 13 years, the highest EV-to-OCF of Banco Pine was 241.59. The lowest was -111.26. And the median was -1.55.
BSP:PINE4's EV-to-OCF is ranked worse than 62.09% of 1493
companies
in the Banks industry
Industry Median: 3.86
vs BSP:PINE4: 7.26
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Banco Pine's share price for today is R$10.91.
Banco Pine's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was R$2.459.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Banco Pine EV-to-OCF Related Terms
Banco Pine EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Banco Pine's EV-to-OCF 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.
For the Banks - Regional subindustry, Banco Pine's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 Pine EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Banco Pine's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Banco Pine's EV-to-OCF falls into.
Banco Pine's current Enterprise Value is R$11,394 Mil.
Banco Pine's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was R$1,559 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.
Banco Pine (BSP:PINE4) has a EV-to-OCF of 7.31 as of Aug. 28, 2026. According to the industry distribution chart, Banco Pine ranks #927 out of 1493 companies in the Banks industry, placing it in the top 62.1%.
Is Banco Pine's EV-to-OCF too high?
Banco Pine's current EV-to-OCF is 7.31. The Banks industry median EV-to-OCF is 3.86. Banco Pine's value of 7.31 is 89.4% above this industry median. Based on the distribution chart, Banco Pine ranks #927 out of 1493 companies in the Banks industry, which is below the industry midpoint. Overall, Banco Pine has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Banco Pine's EV-to-OCF compare to competitors?
According to the Banks industry distribution chart, Banco Pine ranks #927 out of 1493 companies for EV-to-OCF. This places Banco Pine in the lower half of its industry. The industry median EV-to-OCF is 3.86. Banco Pine's value of 7.31 is 89.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.86, based on 1,493 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Pine's current EV-to-OCF of 7.31 is 89.4% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Pine's current EV-to-OCF is 7.31. 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:PINE4) is currently considered Modestly Undervalued. The stock's GF Value™ is R$13.63, compared to a current price of R$10.91 — trading 20% below its estimated fair value. The current EV-to-OCF is 7.31 and 89.4% above the Banks industry median of 3.86. Banco Pine's overall GF Score™ is 73/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Banco Pine (BSP:PINE4), the current EV-to-OCF is 7.31 as of Aug. 28, 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:PINE4) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Pine stock appears to be undervalued.
The current stock price of R$10.91 is trading 20% below its estimated GF Value™ of R$13.63.
GuruFocus considers Banco Pine to be Modestly Undervalued.
Key valuation signals for BSP:PINE4:
EV-to-OCF: 7.31
GF Value™: R$13.63 vs. price of R$10.91 (20% below fair value)
Industry Position: 89.4% above the Banks median (#927 of 1493)
No single metric tells the full story. See the BSP:PINE4 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
73GF Score
Get the complete analysis for BSP:PINE4
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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