The historical rank and industry rank for Banco Daycoval S.A.'s ROE % or its related term are showing as below:
BSP:DAYC3'
s ROE % Range Over the Past 10 Years
Min: 10.09 Med: 14.32 Max: 21.07
Current: 14.44
During the past 10 years, Banco Daycoval S.A.'s highest ROE % was 21.07%. The lowest was 10.09%. And the median was 14.32%.
BSP:DAYC3's ROE % is not ranked
in the Banks industry.
Industry Median: 10.22
vs BSP:DAYC3: 14.44
Banco Daycoval S.A. (BSP:DAYC3) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Jun. 2016) net income data. The Revenue data used here is four times the quarterly (Jun. 2016) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Banco Daycoval S.A. ROE % Related Terms
Banco Daycoval S.A. ROE % Historical Data
* Premium members only.
The historical data trend for Banco Daycoval S.A.'s ROE % 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 Daycoval S.A.'s ROE %, along with its competitors' market caps and ROE % 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 Daycoval S.A. ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Daycoval S.A.'s ROE % distribution charts can be found below:
* The bar in red indicates where Banco Daycoval S.A.'s ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2016) net income data.
ROE % is displayed in the 30-year financial page.
Banco Daycoval S.A. (BSP:DAYC3) has a ROE % of 9.74% as of Jun. 2016. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Banco Daycoval S.A. and its competitors. This is 32% below median its historical median of 14.32. Over the past decade, Banco Daycoval S.A.'s ROE % has ranged from 10.09 to 21.07.
Is Banco Daycoval S.A.'s ROE % too high?
Banco Daycoval S.A.'s current ROE % of 9.74% is 32% below median its 10-year median of 14.32. Over the past 10 years, this metric has ranged from a low of 10.09 to a high of 21.07. The Banks industry median ROE % is 10.22. Banco Daycoval S.A.'s value of 9.74% is 4.7% below this industry median.
How does Banco Daycoval S.A.'s ROE % compare to FISI and MBIN?
Banco Daycoval S.A.'s ROE % of 9.74% can be compared against companies in the Banks industry. The industry median ROE % is 10.22. Banco Daycoval S.A.'s value of 9.74% is 4.7% below this benchmark. Historically, Banco Daycoval S.A.'s own ROE % has ranged from 10.09 to 21.07 over the past decade. While the company's 10-year median is 14.32 vs. the industry median of 10.22, Banco Daycoval S.A. has consistently been below 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Daycoval S.A.'s current ROE % of 9.74% is 4.7% below 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Banco Daycoval S.A. and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Daycoval S.A.'s current ROE % is 9.74%, which is 32% below median its own 10-year median of 14.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Daycoval S.A. stock overvalued right now?
Banco Daycoval S.A. (BSP:DAYC3) has a current ROE % of 9.74%. The current ROE % is 9.74%, which is 32% below median its 10-year median of 14.32 and 4.7% below the Banks industry median of 10.22. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Banco Daycoval S.A. (BSP:DAYC3), the current ROE % is 9.74% as of Jun. 2016. 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.
Banco Daycoval S.A. was founded in 1968. It is a is a commercial bank. The Company along with its subsidiaries is engaged in commercial, foreign exchange, investment and lending portfolios. It also provide services including management of assets, life insurance and pension plans. The Company operates in four business segments: financial segment; asset management segment; insurance and pension fund segment; andother segments. Financial segment - handles individual customer deposits and provides loan, overdraft, credit card, and wire transfer services, and performs treasury, finance and other core functions; Asset management segment - services to institutional investors and intermediaries by providing financial asset management through investment funds; and Insurance and pension fund segment - offers life insurance and open-end supplementary pension funds, by operating lump-sum and annuity plans, consisting of the plans' participants' contributions.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BSP:DAYC3 has been successfully added to your 