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Banco Hipotecario SA Class D

Banco Hipotecario SA Class D

BBYMA:BHIP
239.50
ARS
-4.00
(-1.64%)
4.46EPS
108.91P/E
549.00BMarket Cap
Nov 11Next Earn
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
1.9
2.85
4.08
4.34
6.85
8.65
16.27
16.38
27.44
142.09
537.83
661.16
317.82
407.23
Basic EPS, GAAP
0.29
0.38
0.74
0.42
0.77
1.4
-2.53
0.94
-5.56
12.8
83.51
71.75
17.01
3.36
Free Cash Flow per Basic Share
-0.94
-0.56
-3.12
-7.1
-7.12
6.73
13.17
12.56
10.85
61.9
96.88
161.15
107.6
-0.86
Dividend per Share
0.02
- -
- -
- -
- -
0.14
0.23
- -
0.02
- -
- -
40.49
38.8
34.81
Book Value per Share
2.63
3
3.72
4.37
5.43
13.97
11.28
17.61
28.85
102.42
305.15
421.52
383.94
440.43
Tangible Book Value per Share
2.49
2.77
3.39
4.31
5.34
13.6
10.98
17.27
28.35
101.11
301.89
415.55
377.19
432.2
Basic Weighted Avg Shares
1,463
1,463
1,463
1,463
1,463
1,465
1,469
1,470
1,471
1,473
1,475
1,478
1,480
1,486
Sales/Revenue/Turnover
2,780
4,169
5,964
6,349
10,024
12,669
23,896
24,087
40,374
209,331
793,263
976,997
470,483
605,207
Operating Margin (%)
22.12
23.42
28.58
17.82
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
50
88
149
234
145
444
792
1,270
2,106
5,510
10,259
12,547
10,149
11,342
Net Income, GAAP
421
550
1,086
615
1,130
2,051
-3,723
1,383
-8,184
18,855
123,178
106,024
25,183
4,994
Effective Tax Rate (%)
31.56
43.69
36.31
45.62
31.48
26.82
- -
45.55
- -
55.96
13.91
40.13
- -
- -
Profit Margin (%)
15.14
13.19
18.21
9.69
11.28
16.19
-15.58
5.74
-20.27
9.01
15.53
10.85
5.35
0.83
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
3,085
4,675
7,748
18,149
27,918
66,306
39,932
29,921
40,381
61,260
115,949
130,577
216,510
233,971
Total Equity
3,918
4,464
5,527
6,564
8,235
20,912
16,981
27,090
44,453
157,968
470,209
657,126
596,427
676,969
Return on Invested Capital (%)
6.57
6.81
9.69
3.18
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
6.57
6.81
9.69
3.24
3.72
3.31
- -
2.29
- -
12.68
30
14.24
- -
- -
Return on Common Equity (%)
11.53
13.34
22.07
10.39
15.76
14.43
-20.09
6.43
-23.48
19.15
40.3
19.45
4.17
0.86

Capital Structure

ARS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,500
1,500
1,500
Market Capitalization
837,000
566,250
549,000

Working Capital

ARS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
475,179
497,224
446,226
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

ARS

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
78.65%
109.52%
-9.24%
Free Cash Flow
57.29%
109.59%
-33.11%
Net Income, GAAP
-85.56%
-111.77%
-76.25%
Sales/Revenue/Turnover
91.65%
147.27%
-51.84%
Total Cash Common Dividend
- -
- -
-4%

Quarterly Revenue

ARS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
288,353
170,224
156,971
253,798
976,997
2025
83,876
146,056
88,637
192,369
470,483
2026
175,545
148,656
- -
- -
- -

Quarterly Earnings Per Share

ARS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
15.32
11.02
12.5
22.72
71.75
2025
-9.69
29.59
-12.36
13.91
17.01
2026
-6.81
8.44
- -
- -
- -

Quarterly Dividends Per Share

ARS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
12.57
- -
40.49
2025
0.25
6.45
13.92
17.92
38.8
2026
18.27
-15.4
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Manuel Herrera
Sector
Finance
Industry
Major banks
Address
Buenos Aires Argentina
IPO Date
Apr 14, 1998
Website
hipotecario.com.ar
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Business
Banco Hipotecario S.A. is a universal commercial banking institution based in Argentina that provides a comprehensive suite of retail, corporate, and investment banking solutions to individuals, small and medium-sized enterprises, and large corporate clients. Founded in 1886 and headquartered in Buenos Aires, Argentina, the bank operates under a public-private partnership model with equity participation from the Argentine state and private management led by IRSA Inversiones y Representaciones S.A. The company delivers financial services nationwide across Argentina through a physical branch network, automated teller machines, commercial hubs, and integrated online and mobile banking channels. Banco Hipotecario structures its operations into retail banking, wholesale banking, and finance and treasury divisions. Its core products and services include residential mortgage lending for property acquisition, construction, expansion, and renovation; consumer financing solutions, comprising unsecured personal loans, payroll-linked loans, and pledged vehicle loans; credit and debit cards; transaction and liquidity accounts, including checking accounts, savings accounts, and fixed-term deposits; corporate lending facilities, such as working capital financing, foreign trade credit, syndicated loans, and commercial leasing; fiduciary, trust, and asset administration services; capital markets underwriting and debt securitization through its subsidiary BACS Banco de Crédito y Securitización S.A.; and insurance brokerage and coverage across life, home, unemployment, health, and personal accident lines via its affiliates BHN Vida S.A. and BHN Seguros Generales S.A. In recent developments, Banco Hipotecario led the reactivation of the Argentine residential credit market by becoming the first banking institution to relaunch UVA-indexed mortgage loans, subsequently expanding its lending volume, securing public funding allocations through the Fondo de Garantía de Sustentabilidad (FGS), and lowering interest rates for primary home purchases. Additionally, the bank has accelerated its enterprise-wide digital modernization program by deploying cloud analytics architectures and artificial intelligence tools for digital customer onboarding, risk assessment, and customer service automation, while maintaining active placement of local corporate debt issuances to fund its growing credit portfolio.