BCO Estado do Rio Grande do Sul (BSP:BRSR3) Margin of Safety % (DCF FCF Based): 98.07% (As of Jul. 01, 2026)


BSP:BRSR3 BCO Estado do Rio Grande do Sul SA BSP:BRSR3
73 GF Score
Price R$18.11
GF Value R$14.93
Valuation Modestly Overvalued
! 3 Warning Signs
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What is BCO Estado do Rio Grande do Sul Margin of Safety % (DCF FCF Based)?

BCO Estado do Rio Grande do Sul BSP:BRSR3 +1.57% 73 Margin of Safety % (DCF FCF Based) is 98.07% as of Jul. 01, 2026. GuruFocus rates BSP:BRSR3 with a GF Score™ of 73/100 and a GF Value™ of R$14.93 (Modestly Overvalued). The stock has 3 warning signs investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-07-01), BCO Estado do Rio Grande do Sul's Predictability Rank is 4.5-Stars. BCO Estado do Rio Grande do Sul's intrinsic value calculated from the Discounted FCF model is R$49.71 and current share price is R$18.11. Consequently,

BCO Estado do Rio Grande do Sul's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 98.07%.

BCO Estado do Rio Grande do Sul Margin of Safety % (DCF FCF Based) Competitor Comparison

For the Banks - Regional subindustry, BCO Estado do Rio Grande do Sul's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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.

BCO Estado do Rio Grande do Sul Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, BCO Estado do Rio Grande do Sul's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where BCO Estado do Rio Grande do Sul's Margin of Safety % (DCF FCF Based) falls into.


BSP:BRSR3
73GF Score
BCO Estado do Rio Grande do Sul SA BSP:BRSR3
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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BCO Estado do Rio Grande do Sul Margin of Safety % (DCF FCF Based) Calculation

BCO Estado do Rio Grande do Sul's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(939.94-18.11)/939.94
=98.07 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 98.07% mean?
BCO Estado do Rio Grande do Sul (BSP:BRSR3) has a Margin of Safety % (DCF FCF Based) of 98.07% as of Jul. 01, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on BCO Estado do Rio Grande do Sul.
Is BCO Estado do Rio Grande do Sul's Margin of Safety % (DCF FCF Based) too high?
BCO Estado do Rio Grande do Sul's current Margin of Safety % (DCF FCF Based) is 98.07%. Overall, BCO Estado do Rio Grande do Sul has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BCO Estado do Rio Grande do Sul's Margin of Safety % (DCF FCF Based) compare to competitors?
BCO Estado do Rio Grande do Sul's Margin of Safety % (DCF FCF Based) of 98.07% 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 Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on BCO Estado do Rio Grande do Sul. BCO Estado do Rio Grande do Sul's current Margin of Safety % (DCF FCF Based) is 98.07%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BCO Estado do Rio Grande do Sul stock overvalued right now?
Based on GuruFocus' analysis, BCO Estado do Rio Grande do Sul (BSP:BRSR3) is currently considered Modestly Overvalued. The stock's GF Value™ is R$14.93, compared to a current price of R$18.11 — trading 21.3% above its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 98.07%. BCO Estado do Rio Grande do Sul's overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For BCO Estado do Rio Grande do Sul (BSP:BRSR3), the current Margin of Safety % (DCF FCF Based) is 98.07% as of Jul. 01, 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 BCO Estado do Rio Grande do Sul (BSP:BRSR3) Overvalued in 2026?

Based on GuruFocus' analysis, BCO Estado do Rio Grande do Sul stock appears to be overvalued. The current stock price of R$18.11 is trading 21.3% above its estimated GF Value™ of R$14.93. GuruFocus considers BCO Estado do Rio Grande do Sul to be Modestly Overvalued.

Key valuation signals for BSP:BRSR3:

  • Margin of Safety % (DCF FCF Based): 98.07%
  • GF Value™: R$14.93 vs. price of R$18.11 (21.3% above fair value)
  • GF Score™: 73/100 with 3 warning signs

No single metric tells the full story. See the BSP:BRSR3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

BCO Estado do Rio Grande do Sul Business Description

Other Exchanges BRSR6:BrazilBRSR5:Brazil
Address Rua Capitao Montanha, nº 177 - Centro Porto Alegre, Porto Alegre, RS, BRA, 90010-040
BCO Estado do Rio Grande do Sul SA is a Brazil-based commercial bank that provides personal and corporate banking services. It provides financial services such as multiple banks, providing brokering services, consortia, card management, and warehouses. The company with its subsidiaries and affiliates operates commercial, lending, financing and investment, mortgage loan, development, leasing, and investment portfolios, including foreign exchange transactions, securities brokerage, and credit card and consortium management.
73GF Score

Get the complete analysis for BSP:BRSR3

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$18.11
Price
R$14.93
GF Value