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    Financial Services

  3. •

    Banks - Regional
Banco BMG S.A.

Banco BMG S.A.

BMGB4.SA
Banco BMG S.A.BR flagB3 S.A.
5.32
BRL
+0.01
- -
1.24BMarket Cap
Banco BMG S.A.
BMGB4.SA
(B3 S.A.)

Recent

price

5.32

P/E

ratio

- -

div

yld

- -

ROIC.AI

2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
1.64
2.38
3.67
3.96
3.43
3.48
4.2
4.68
7.69
8.49
Revenue per Share
0.04
0.36
0.73
0.53
0.29
0.1
0.45
0.43
0.95
0.98
Basic EPS, GAAP
1.84
-0.94
-0.27
0.7
0.61
0.11
0.24
0.92
-2.61
-0.69
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
4.13
3.63
6.41
6.09
6.01
5.74
5.84
5.57
6.4
6.42
Book Value per Share
3.36
2.67
5.69
4.92
4.34
4.72
4.47
4.69
5.6
6.15
Tangible Book Value per Share
606
606
534
597
592
592
592
591
593
591
Basic Weighted Avg Shares
992
1,445
1,959
2,364
2,027
2,062
2,485
2,764
4,554
5,013
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
164
21
28
59
104
91
123
174
180
188
Depreciation Expense
26
219
387
314
170
60
268
253
561
577
Net Income, GAAP
- -
43.06
- -
12.54
- -
- -
- -
- -
- -
- -
Effective Tax Rate (%)
2.65
15.19
19.78
13.27
8.37
2.93
10.78
9.15
12.31
11.51
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
2,666
3,415
2,857
6,320
4,270
5,850
5,580
8,884
7,091
7,211
LT Debt
2,572
2,623
4,069
4,152
3,824
4,131
4,180
4,407
4,023
4,367
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
9.32
13.77
8.89
4.72
1.74
7.82
7.5
15.83
16.26
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
600
599
605
Market Capitalization
2,372
2,907
2,953

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,751
1,441
1,305
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
-0.4%
-8.71%
Free Cash Flow
- -
-16.32%
-384.38%
Net Income, GAAP
- -
69.96%
121.74%
Sales/Revenue/Turnover
- -
16.8%
64.77%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
724
748
1,834
-543
2,764
2025
1,196
764
1,932
1,114
4,554
2026
1,204
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.16
0.18
- -
- -
0.43
2025
0.2
0.21
- -
- -
0.95
2026
0.25
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Banco BMG S.A. Banco BMG S.A. is a Brazil-based multiple-service commercial bank that provides retail banking, wholesale banking, and insurance products primarily to individuals and corporate clients throughout Brazil. Founded in 1930 as Banco de Crédito Predial S.A. and headquartered in São Paulo, the bank offers digital accounts; payroll-deducted consigned credit cards and direct debit loans exclusive to INSS retirees, pensioners, and public servants; personal loans with debit from credit card invoices; FGTS Saque-Aniversário advances; CLT worker loans; digital account credit cards; insurance products including lender, life, family life, FGTS Protected, and Bmg Med personal accident coverage with health consultations; Bmg Consortium services; fixed income investments such as bank deposit certificates (CDBs), agribusiness letters of credit, and real estate credit letters; structured financial services for medium and large corporates encompassing derivatives, surety bonds insurance, debentures, trade finance, and working capital; as well as commercial banking services through physical branches, digital platforms, bank correspondents, and white-label partnerships with soccer clubs. The bank operates via a phygital model combining digital and physical channels, targeting payroll clients over age 50 from classes C and D, public sector employees, and institutional investors, with a credit portfolio of R$23.5 billion as of September 2025 emphasizing consignable products at 71.8%. Recent developments include the sale of its full stake in Granito Instituição de Pagamento S.A. to Banco Inter in July 2024 to focus on core lines; the divestiture of Bmg Seguros S.A. to Dayprev Vida e Previdência S.A. in January 2025; the pending acquisition of the remaining 40% of Bmg Seguradora to reach 100% ownership announced in April 2025; Wiz Co's exercise of a 9% option in Bmg Corretora in November 2024, reducing the bank's stake to 51%; a capital increase of R$49.5 million approved in September 2025; multiple capital market issuances such as R$300 million in its 5th public Financial Bills in October 2024; and a strategic shift toward higher-profitability products amid a 4.7% quarterly credit portfolio reduction to R$23.5 billion in 3Q25, alongside efficiency improvements to a 53.0% ratio and net income of R$388 million for 9M25.