Banco Patagonia SA Class B

Banco Patagonia SA Class B

BBYMA:BPAT
1,730.00
ARS
+20.00
(+1.17%)
164.33EPS
12.59P/E
1.51TMarket 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
6.93
9.42
11.67
15.73
19.84
28.99
97.08
105.45
195.8
801.48
2,784.9
2,984.69
1,867.01
2,165.01
Basic EPS, GAAP
2.3
2.97
3.37
4.45
4.34
7.44
21.18
21.9
19.2
80.37
255.31
377.92
151.72
166.47
Free Cash Flow per Basic Share
-0.66
-1.16
3.68
2.36
1.84
40.27
-16.03
11.27
-4.43
-10.32
179.05
842.33
751.58
1,367.47
Dividend per Share
- -
0.63
1.45
2.39
2.27
2.47
7.77
- -
- -
- -
119.39
167.37
129.33
226.67
Book Value per Share
7.27
9.63
11.59
14.93
17.33
54.7
64.94
104.88
202.24
695.93
1,709.6
2,390.55
2,304.26
2,747.35
Tangible Book Value per Share
7.27
9.63
11.59
14.89
17.27
54.35
64.3
103.86
200.47
692.43
1,700.75
2,381.93
2,275.42
2,715.4
Basic Weighted Avg Shares
719
719
719
719
719
719
719
719
719
719
719
719
719
719
Sales/Revenue/Turnover
4,986
6,774
8,396
11,314
14,268
20,845
69,816
75,836
140,810
576,379
2,002,744
2,146,423
1,342,648
1,556,956
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
27
30
40
84
163
201
1,211
1,919
3,817
11,585
24,012
57,155
28,557
29,467
Net Income, GAAP
1,654
2,138
2,420
3,203
3,118
5,351
15,232
15,749
13,806
57,801
183,605
271,776
109,111
119,713
Effective Tax Rate (%)
34.79
34.33
35.12
35.08
39.89
33.16
40.09
33.29
33.73
41.29
40.65
33.26
40.69
41.42
Profit Margin (%)
33.18
31.57
28.83
28.31
21.85
25.67
21.82
20.77
9.8
10.03
9.17
12.66
8.13
7.69
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
2,134
2,673
3,716
3,871
2,231
3,515
23,571
7,627
15,740
64,668
110,899
65,254
756,363
615,921
Total Equity
5,230
6,933
8,345
10,745
12,463
39,337
46,705
75,422
145,440
500,477
1,229,448
1,719,153
1,657,360
1,978,009
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
26.51
25.18
22.32
23.99
21.27
18.6
26.93
20.54
11.31
15.92
19.27
17.4
5.24
5.9
Return on Common Equity (%)
37.65
35.19
31.71
33.59
26.88
20.66
35.41
25.79
12.5
17.9
21.23
18.43
6.46
7.04

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
719
719
719
Market Capitalization
1,992,032
1,546,162
1,506,609

Working Capital

ARS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,490,522
1,529,571
1,890,592
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
85.94%
103.77%
-3.59%
Free Cash Flow
24.49%
-296.17%
-10.77%
Net Income, GAAP
80.15%
102.43%
-59.85%
Sales/Revenue/Turnover
96.27%
122.44%
-37.45%
Total Cash Common Dividend
- -
- -
-22.73%

Quarterly Revenue

ARS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
654,077
525,585
366,100
374,574
2,146,423
2025
378,941
417,710
277,089
414,447
1,342,648
2026
394,651
470,768
- -
- -
- -

Quarterly Earnings Per Share

ARS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
75.54
161.64
44.16
59.72
377.92
2025
72.26
51.75
14.52
34.68
151.72
2026
28.95
88.32
- -
- -
- -

Quarterly Dividends Per Share

ARS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
8.56
9.22
167.37
2025
- -
- -
47.25
60.31
129.33
2026
60.43
58.68
- -
- -
- -

Company Description

Full Time Employees
2,828
Sector
Finance
Industry
Major banks
Address
Buenos Aires Argentina
IPO Date
Jul 20, 2007
Business
Banco Patagonia S.A. is a universal commercial banking and financial services institution headquartered in Buenos Aires, Argentina. Founded in 1976, the bank operates as a subsidiary of Banco do Brasil S.A. and provides a comprehensive suite of retail, commercial, corporate, and investment banking solutions to individuals, small and medium-sized enterprises (SMEs), large corporations, agribusiness entities, and institutional clients across Argentina, alongside international banking activities in Uruguay. The institution organizes its operations across distinct business segments, encompassing Retail Banking, Commercial and SME Banking, Corporate and Agribusiness Banking, Capital Markets and Treasury, and Asset Management. The company's core product and service portfolio includes: checking accounts; savings accounts; fixed-term deposits; foreign currency accounts; credit cards issued under the Visa, Mastercard, and American Express brands; debit cards; personal loans; residential mortgage loans; vehicle and pledge loans; consumer insurance products spanning life, automotive, home, and health coverage; digital banking platforms comprising Patagonia e-Bank and Patagonia Móvil; customer loyalty programs under the Club Patagonia brand; commercial checking accounts; revolving credit facilities; working capital financing; commercial leasing; factoring and invoice discounting; payroll processing services; corporate payment and collection systems; merchant acquiring and point-of-sale processing; foreign trade financing including letters of credit, export pre-financing, and import credit; foreign exchange dealing and hedging derivatives; structured finance; syndicated lending; debt and equity underwriting; specialized agricultural loans, harvest financing, and agro-credit facilities; securities custody; and brokerage services. Through its subsidiaries, the institution provides mutual fund administration via Patagonia Inversora S.A. S.G.F.C.I., equity and fixed-income brokerage through Patagonia Valores S.A., automotive and consumer financing via GPAT Compañía Financiera S.A.U., and cross-border financial services via Banco Patagonia (Uruguay) S.A. I.F.E. In recent strategic developments, Banco Patagonia has accelerated the digital transformation of its distribution channels by upgrading its Patagonia Móvil and Patagonia e-Bank platforms, expanding biometric digital onboarding, integrating interoperable QR payment infrastructure through the MODO financial consortium, and deploying artificial intelligence-driven automated customer service solutions, including its virtual assistant PADI. The bank has broadened its sustainable financing framework by introducing dedicated green credit lines and ESG-aligned funding mechanisms for renewable energy, energy efficiency, and sustainable agricultural initiatives across Argentina. Operationally, the bank has optimized its nationwide physical presence through the deployment of hybrid digital branch models featuring automated self-service zones, while expanding cross-border corporate finance, supply chain financing, and regional trade corridors between Argentina and Brazil in strategic alignment with its majority shareholder, Banco do Brasil S.A.