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Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. This ratio does not apply to banks.
EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. This ratio does not apply to banks.
EV-to-Revenue is calculated as Enterprise Value divided by its Revenue. As of today, Banco Pine's Enterprise Value is R$10,397 Mil.
Banco Pine's Revenue for the trailing twelve months (TTM) ended in Mar. 2026 was R$2,159 Mil. Therefore, Banco Pine's EV-to-Revenue ratio for today is 4.82.
EV-to-FCF is calculated as Enterprise Value divided by its Free Cash Flow. As of today, Banco Pine's Enterprise Value is R$10,397 Mil.
Banco Pine's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was R$2,241 Mil. Therefore, Banco Pine's EV-to-FCF ratio for today is 4.64.
*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.
Banco Pine (BSP:PINE3) Enterprise Value Explanation
When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.
If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.
The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.
For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.
Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.
Banco Pine's current Enterprise Value is R$10,397 Mil.
Banco Pine's Revenue 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$2,159 Mil.
Banco Pine's current Enterprise Value is R$10,397 Mil.
Banco Pine's Cash Flow from Operations 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$2,254 Mil.
Banco Pine's current Enterprise Value is R$10,397 Mil.
Banco Pine's Free Cash Flow 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$2,241 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 Enterprise Value Related Terms
Banco Pine Enterprise Value Historical Data
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The historical data trend for Banco Pine's Enterprise Value 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.
BSP:PINE3 vs PNC, USB: Enterprise Value Comparison
For the Banks - Regional subindustry, Banco Pine's Enterprise Value, along with its competitors' market caps and Enterprise Value 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 Enterprise Value vs Banks Industry
For the Banks industry and Financial Services sector, Banco Pine's Enterprise Value distribution charts can be found below:
* The bar in red indicates where Banco Pine's Enterprise Value falls into.
Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
Banco Pine's Enterprise Value for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
What does a Enterprise Value of R$10,397 Mil mean?
Banco Pine (BSP:PINE3) has a Enterprise Value of R$10,397 Mil as of Jul. 14, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Banco Pine and its competitors.
Is Banco Pine's Enterprise Value too high?
Banco Pine's current Enterprise Value is R$10,397 Mil. Overall, Banco Pine has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banco Pine's Enterprise Value compare to PNC and USB?
Banco Pine's Enterprise Value of R$10,397 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 Enterprise Value for a Banks company?
A good Enterprise Value depends on the Banks industry context. However, Enterprise Value 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 Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Banco Pine and its competitors. Banco Pine's current Enterprise Value is R$10,397 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$12.69, compared to a current price of R$11.99 — trading 5.5% below its estimated fair value. The current Enterprise Value is R$10,397 Mil. Banco Pine's overall GF Score™ is 70/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For Banco Pine (BSP:PINE3), the current Enterprise Value is R$10,397 Mil as of Jul. 14, 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$11.99 is trading 5.5% below its estimated GF Value™ of R$12.69.
GuruFocus considers Banco Pine to be Fairly Valued.
Key valuation signals for BSP:PINE3:
Enterprise Value: R$10,397 Mil
GF Value™: R$12.69 vs. price of R$11.99 (5.5% below fair value)
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 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.
70GF Score
Get the complete analysis for BSP:PINE3
Enterprise Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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