Banco PatagoniaBUE:BPAT +0.24%56 ROE % is 4.76% as of Mar. 2026, which is 77% below its 10-year median of 20.95. GuruFocus rates BUE:BPAT with a GF Score™ of 56/100 and a GF Value™ of ARS1,462.51 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,524 Banks companies, Banco Patagonia ranks worse than 80.18% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Banco Patagonia's annualized net income for the quarter that ended in Mar. 2026 was ARS83,288 Mil. Banco Patagonia's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was ARS1,749,156 Mil. Therefore, Banco Patagonia's annualized ROE % for the quarter that ended in Mar. 2026 was 4.76%.
The historical rank and industry rank for Banco Patagonia's ROE % or its related term are showing as below:
BUE:BPAT'
s ROE % Range Over the Past 10 Years
Min: 5.39 Med: 20.95 Max: 35.41
Current: 5.39
During the past 13 years, Banco Patagonia's highest ROE % was 35.41%. The lowest was 5.39%. And the median was 20.95%.
BUE:BPAT's ROE % is ranked worse than 80.18% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs BUE:BPAT: 5.39
Banco Patagonia (BUE:BPAT) 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 (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) 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 Patagonia ROE % Related Terms
Banco Patagonia ROE % Historical Data
* Premium members only.
The historical data trend for Banco Patagonia'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 Patagonia'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 Patagonia ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Patagonia's ROE % distribution charts can be found below:
* The bar in red indicates where Banco Patagonia'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 (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Banco Patagonia (BUE:BPAT) has a ROE % of 4.76% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Banco Patagonia and its competitors. This is 77% below median its historical median of 20.95. Over the past decade, Banco Patagonia's ROE % has ranged from 5.39 to 35.41. According to the industry distribution chart, Banco Patagonia ranks #1222 out of 1524 companies in the Banks industry, placing it in the top 80.2%.
Is Banco Patagonia's ROE % too high?
Banco Patagonia's current ROE % of 4.76% is 77% below median its 10-year median of 20.95. Over the past 10 years, this metric has ranged from a low of 5.39 to a high of 35.41. The Banks industry median ROE % is 10.22. Banco Patagonia's value of 4.76% is 53.4% below this industry median. Based on the distribution chart, Banco Patagonia ranks #1222 out of 1524 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Banco Patagonia has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Patagonia's ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Patagonia ranks #1222 out of 1524 companies for ROE %. This places Banco Patagonia in the lower half of its industry. The industry median ROE % is 10.22. Banco Patagonia's value of 4.76% is 53.4% below this benchmark. Historically, Banco Patagonia's own ROE % has ranged from 5.39 to 35.41 over the past decade. While the company's 10-year median is 20.95 vs. the industry median of 10.22, Banco Patagonia 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 Patagonia's current ROE % of 4.76% is 53.4% 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 Patagonia 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 Patagonia's current ROE % is 4.76%, which is 77% below median its own 10-year median of 20.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Patagonia stock overvalued right now?
Based on GuruFocus' analysis, Banco Patagonia (BUE:BPAT) is currently considered Significantly Overvalued. The stock's GF Value™ is ARS1,462.51, compared to a current price of ARS2,110.00 — trading 44.3% above its estimated fair value. The current ROE % is 4.76%, which is 77% below median its 10-year median of 20.95 and 53.4% below the Banks industry median of 10.22. Banco Patagonia's overall GF Score™ is 56/100 with 2 warning signs to review. 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 Patagonia (BUE:BPAT), the current ROE % is 4.76% 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 Patagonia (BUE:BPAT) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Patagonia stock appears to be overvalued.
The current stock price of ARS2,110.00 is trading 44.3% above its estimated GF Value™ of ARS1,462.51.
GuruFocus considers Banco Patagonia to be Significantly Overvalued.
Key valuation signals for BUE:BPAT:
ROE %: 4.76% (77% below median its 10-year median of 20.95)
GF Value™: ARS1,462.51 vs. price of ARS2,110.00 (44.3% above fair value)
Industry Position: 53.4% below the Banks median (#1222 of 1524)
No single metric tells the full story. See the BUE:BPAT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Patagonia SA is a commercial bank based in Argentina. It provides products and services including savings accounts, checking accounts. It also provides mortgage loans, debit and credit cards, fixed-term deposits, consumer and commercial loans personal loans and other banking services. The company serves individuals, foreign residents, corporate customers, large companies, medium and small enterprises as well as agribusiness, private, financial, non-financial and government sector.
56GF Score
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