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    Major banks
Banco PINE S.A.

Banco PINE S.A.

14.75
BRL
+0.20
(+1.37%)
2.48EPS
4.79P/E
3.02BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
3.32
2.95
1.87
1.56
1.19
0.56
0.76
1.02
1.67
1.51
3.31
3.42
7.61
9.89
Basic EPS, GAAP
0.95
0.57
0.26
-0.09
-1.59
-0.35
-0.7
-0.38
0.04
0.22
0.98
1.12
1.91
2.48
Free Cash Flow per Basic Share
2.9
-2.1
2.08
0.88
3.66
1.38
-9.04
0.29
0.44
-0.68
-1.21
-6.26
-0.32
6.4
Dividend per Share
0.66
0.47
0.27
0.26
0.77
-0.2
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
7.71
8.65
7.89
8.04
6.27
5.89
5.01
4.72
4.64
4.63
5.33
5.43
6.04
7.08
Tangible Book Value per Share
7.7
8.64
7.88
8.04
6.27
5.89
4.99
4.71
4.63
4.62
5.24
5.32
5.93
7
Basic Weighted Avg Shares
170
166
161
163
166
169
168
168
168
188
185
230
233
243
Sales/Revenue/Turnover
564
489
300
254
197
95
127
171
281
284
611
787
1,769
2,408
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
5
4
3
2
2
1
1
2
2
2
2
16
8
7
Net Income, GAAP
162
94
41
-14
-263
-60
-118
-64
6
41
181
258
444
603
Effective Tax Rate (%)
13.52
- -
- -
97.74
- -
- -
- -
- -
27.74
30.07
24.86
12.66
20.06
20.69
Profit Margin (%)
28.64
19.27
13.65
-5.63
-133.23
-62.96
-93.04
-37.23
2.12
14.4
29.6
32.82
25.07
25.03
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
2,857
3,509
3,388
2,881
792
390
600
2,213
4,659
4,163
4,395
5,650
5,652
9,334
Total Equity
1,272
1,256
1,163
1,148
908
869
841
793
779
869
984
1,227
1,408
1,802
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
4.23
- -
- -
-0.33
- -
- -
- -
- -
0.14
0.78
3.47
4.21
6.35
7.22
Return on Common Equity (%)
12.97
7.46
3.39
-1.24
-25.56
-6.72
-13.83
-7.79
0.76
4.96
19.52
23.35
33.7
40.63

Capital Structure

BRL

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
233
257
254
Market Capitalization
2,946
3,184
3,016

Working Capital

BRL

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
483
507
653
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

BRL

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
2.7%
12.49%
14.7%
Free Cash Flow
-34.57%
60.64%
-94.81%
Net Income, GAAP
251.32%
187.15%
71.77%
Sales/Revenue/Turnover
31.3%
66.84%
124.87%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

BRL

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
182
230
200
197
787
2025
310
307
558
604
1,769
2026
690
556
- -
- -
- -

Quarterly Earnings Per Share

BRL

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.25
0.35
0.64
0.27
1.12
2025
0.32
0.37
0.46
0.79
1.91
2026
0.58
0.65
- -
- -
- -

Quarterly Dividends Per Share

BRL

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Rodrigo Esteves Pinheiro
Full Time Employees
429
Sector
Finance
Industry
Major banks
Address
Av. Pres. Juscelino Kubitschek São Paulo SP Brazil 04543-900
IPO Date
Apr 2, 2007
Website
pine.com
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Business
Banco Pine S.A. (PINE3.SA) operates as a wholesale bank in Brazil, providing a comprehensive range of commercial banking products and financial services to medium-sized enterprises, large corporates, investors, and participants in the agribusiness production chain; its core offerings include credit solutions such as working capital, revolving credit, secured structured financing, and payroll credit cards in partnership with Amigoz; investment products encompassing customized fixed income options via the fully digital Pine Online Investments platform, treasury products, and pension funds; foreign exchange and trade finance solutions for exports, imports, and global transactions; derivatives and risk management tools addressing interest rate, currency, and commodity volatility; capital markets services focused on collateralized credit structures for fundraising; as well as collections, transfers, securities custody, insurance, guarantees, and wealth management advisory services. Founded in 1997 by Norberto N. Pinheiro and headquartered in Sao Paulo, Brazil, the bank maintains operations primarily in Brazil with additional presence in Grand Cayman, Cayman Islands, serving wholesale and retail clients through its credit platforms including on-lending lines and trade finance. In recent developments, Banco Pine invested in network infrastructure with fiber optic cables to support business expansion and new technology adoption following a headquarters relocation; it launched or expanded digital services like the 100% free Pine Online Investments platform and agribusiness-specific credit solutions; and reported steady earnings growth, including half-year results through June 2025, while maintaining its focus on prudential credit policies and niche market strategies without major disclosed acquisitions, funding rounds, or reorganizations in 2024-2025.