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Banco PineBSP:PINE4 -2.41%74 FCF Margin % is 50.03% as of Mar. 2026, which is 383% above its 10-year median of 10.36. GuruFocus rates BSP:PINE4 with a GF Score™ of 74/100 and a GF Value™ of R$13.32 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,508 Banks companies, Banco Pine ranks better than 86.07% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Banco Pine's Free Cash Flow for the
three
months ended in Mar. 2026 was R$345 Mil. Banco Pine's Revenue for the
three
months ended in Mar. 2026 was R$690 Mil. Therefore, Banco Pine's FCF Margin % for the quarter that ended in Mar. 2026 was 50.03%.
The historical rank and industry rank for Banco Pine's FCF Margin % or its related term are showing as below:
BSP:PINE4'
s FCF Margin % Range Over the Past 10 Years
Min: -1194.4 Med: 10.36 Max: 307.2
Current: 103.81
During the past 13 years, the highest FCF Margin % of Banco Pine was 307.20%. The lowest was -1194.40%. And the median was 10.36%.
BSP:PINE4's FCF Margin % is ranked better than 86.07% of 1508
companies
in the Banks industry
Industry Median: 26.5
vs BSP:PINE4: 103.81
Banco Pine FCF Margin % Related Terms
Banco Pine FCF Margin % Historical Data
* Premium members only.
The historical data trend for Banco Pine's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Pine's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Banco Pine's FCF Margin % falls into.
* 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 FCF Margin % of 50.03% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Banco Pine and its competitors. This is 383% above median its historical median of 10.36. According to the industry distribution chart, Banco Pine ranks #210 out of 1508 companies in the Banks industry, placing it in the top 13.9%.
Is Banco Pine's FCF Margin % too high?
Banco Pine's current FCF Margin % of 50.03% is 383% above median its 10-year median of 10.36. The Banks industry median FCF Margin % is 26.50. Banco Pine's value of 50.03% is 88.8% above this industry median. Based on the distribution chart, Banco Pine ranks #210 out of 1508 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banco Pine has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banco Pine's FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Pine ranks #210 out of 1508 companies for FCF Margin %. This places Banco Pine in the top 14% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.50. Banco Pine's value of 50.03% is 88.8% above this benchmark. While the company's 10-year median is 10.36 vs. the industry median of 26.50, Banco Pine has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,508 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Pine's current FCF Margin % of 50.03% is 88.8% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Banco Pine and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Pine's current FCF Margin % is 50.03%, which is 383% above median its own 10-year median of 10.36. 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 Fairly Valued. The stock's GF Value™ is R$13.32, compared to a current price of R$12.17 — trading 8.6% below its estimated fair value. The current FCF Margin % is 50.03%, which is 383% above median its 10-year median of 10.36 and 88.8% above the Banks industry median of 26.50. Banco Pine's overall GF Score™ is 74/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Banco Pine (BSP:PINE4), the current FCF Margin % is 50.03% 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 Pine (BSP:PINE4) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Pine stock appears to be undervalued.
The current stock price of R$12.17 is trading 8.6% below its estimated GF Value™ of R$13.32.
GuruFocus considers Banco Pine to be Fairly Valued.
Key valuation signals for BSP:PINE4:
FCF Margin %: 50.03% (383% above median its 10-year median of 10.36)
GF Value™: R$13.32 vs. price of R$12.17 (8.6% below fair value)
Industry Position: 88.8% above the Banks median (#210 of 1508)
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.
74GF Score
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