BBAR
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Price to Earnings | 0.01 | 0.01 | 0.01 | 0.03 |
| Price to Sales | 0.00 | 0.00 | 0.00 | 0.00 |
| Book Value Per Common Share | 4200.62 | 4964.39 | 1809.34 | 508.01 |
| Price to Book | 0.00 | 0.00 | 0.00 | 0.01 |
| Price to Operating Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Free Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 |
| Enterprise Value to EBITDA |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Price to Earnings | 0.05 | 0.06 | 0.05 | 0.06 | 0.02 |
| Price to Sales | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 |
| Book Value Per Common Share | 4766.20 | 4698.89 | 4518.34 | 4200.62 | 3841.93 |
| Price to Book | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Price to Operating Cash Flow | 0.01 | -0.01 | 0.06 | 0.00 | |
| Price to Free Cash Flow | 0.01 | -0.01 | -0.06 | 0.00 | |
| Enterprise Value to EBITDA |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Earning YoY | 114.68 | 179.76 | 177.65 | |
| Revenue YoY | -17.47 | 57.43 | 190.56 | |
| EBITDA YoY | ||||
| Net Profit YoY | 5.51 | -14.39 | 599.88 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Earning YoY | -36.91 | -29.42 | 28.26 | -53.43 | |
| Revenue YoY | 6.36 | 14.69 | -5.27 | -5.24 | |
| EBITDA YoY | |||||
| Net Profit YoY | -36.62 | -29.42 | -12.87 | -31.45 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Cash Per Common Share | ||||
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 4.63 | 3.32 | 4.40 | 5.32 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Cash Per Common Share | |||||
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 6.43 | 5.56 | 4.78 | 4.63 | 4.25 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| ROA | 2.45 | 2.57 | 6.56 | 2.84 |
| ROE | 13.78 | 11.09 | 35.45 | 17.95 |
| Gross Margin | ||||
| Operating Margin | ||||
| EBITDA Margin | ||||
| Net Profit Margin | 10.50 | 8.21 | 15.11 | 6.27 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| ROA | 0.16 | 0.29 | 0.48 | 0.61 | 1.05 |
| ROE | 1.18 | 1.89 | 2.78 | 3.44 | 5.49 |
| Gross Margin | |||||
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin | 4.15 | 6.97 | 11.32 | 12.31 | 17.02 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Dividend Yield | 0.08 | 0.00 | 0.07 | |
| Dividend Payout Ratio | 25.14 | 0.18 | 4.38 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Dividend Yield | 0.01 | 0.02 | |||
| Dividend Payout Ratio | 7.48 | 11.98 |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | 14,719,893,843.00 | 13,305,540,254.00 | 6,078,456,674.00 | 2,008,278,980.00 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 2,823,405,750.00 | 2,488,330,006.00 | 922,374,620.00 | 425,189,092.00 |
| Short-Term Investments | 2,341,183,504.00 | 1,443,931,938.00 | 1,922,420,488.00 | 325,451,665.00 |
| Net Receivables | 1,423,733,127.00 | 926,860,558.00 | 111,001,466.00 | 35,135,881.00 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 646,547,368.00 | 649,407,209.00 | 299,274,663.00 | 99,191,276.00 |
| Goodwill | 0 | 0 | 0 | 0 |
| Intangible Assets | 69,228,950.00 | 72,161,118.00 | 29,949,642.00 | 7,159,804.00 |
| Long-Term Investments | 2,617,082,171.00 | 2,151,548,108.00 | 2,144,164,687.00 | 383,119,002.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 |
| Liabilities | 12,104,066,606.00 | 10,224,683,502.00 | 4,953,031,616.00 | 1,690,739,197.00 |
| Payables and Expenses | 324,209,368.00 | 774,971,541.00 | 213,090,977.00 | 86,819,100.00 |
| Account Payables | 170,833.00 | 27,987.00 | 127,187.00 | 68,565.00 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 |
| Short-Term Debt | 1,126,839.00 | 2,662,757.00 | 962,674.00 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 |
| Long-Term Debt | 347,868,171.00 | 137,589,911.00 | 74,095,669.00 | 29,486,304.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 |
| Equity | 2,615,827,237.00 | 3,080,856,752.00 | 1,125,425,058.00 | 317,539,783.00 |
| Shareholders Equity | 2,573,759,465.00 | 3,041,728,811.00 | 1,108,598,940.00 | 311,265,700.00 |
| Capital Stock | 612,710.00 | 612,710.00 | 612,710.00 | 612,710.00 |
| Share Premium | 6,744,974.00 | 6,744,974.00 | 6,744,974.00 | 77,582,620.00 |
| Retained Earnings | -367,211,255.00 | -369,305,680.00 | -143,262,513.00 | -66,529,276.00 |
| Treasury Shares | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | 2,030,985,593.00 | 2,501,049,364.00 | 833,982,302.00 | 243,603,787.00 |
| Minority Interest | 42,067,772.00 | 39,127,941.00 | 16,826,118.00 | 6,274,083.00 |
| Debt | 348,995,010.00 | 140,252,668.00 | 75,058,343.00 | 29,486,304.00 |
| Common Shares Outstanding | 612,710.08 | 612,710.08 | 612,710.08 | 612,710.08 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenues | 3,432,246,397.00 | 4,158,635,714.00 | 2,641,600,999.00 | 909,153,902.00 |
| Interest Income | 4,749,678,185.00 | 6,999,021,508.00 | 4,317,348,759.00 | 1,318,067,140.00 |
| Interest Expense | 1,767,275,340.00 | 3,389,943,816.00 | 1,970,167,737.00 | 554,488,203.00 |
| Non-Interest Expense | 1,482,705,082.00 | 1,615,963,573.00 | 1,278,026,592.00 | 520,828,193.00 |
| Selling, General and Administrative Expenses | 966,656,268.00 | 981,186,004.00 | 838,789,420.00 | 351,907,566.00 |
| Net Non-Operating Income | -1,421,247,270.00 | -1,804,868,429.00 | -905,994,003.00 | -251,297,163.00 |
| EBT | 441,080,385.00 | 682,307,668.00 | 375,932,109.00 | 84,786,272.00 |
| Income Tax | 76,264,805.00 | 339,863,041.00 | -17,114,200.00 | 28,034,559.00 |
| Net Income Including Non-Controlling Interests | 364,815,580.00 | 342,444,627.00 | 393,046,309.00 | 56,751,713.00 |
| Net Income Non-Controlling Interests | -4,410,216.00 | -865,030.00 | 5,971,673.00 | 260,303.00 |
| Net Income | 360,405,364.00 | 341,579,597.00 | 399,017,982.00 | 57,012,016.00 |
| Deprecation and Amortization | 79,611,677.00 | 60,712,654.00 | 69,639,875.00 | 33,858,994.00 |
| EPS | 1.73 | 0.81 | 0.29 | 0.10 |
| Diluted EPS | 1.73 | 0.81 | 0.29 | 0.10 |
| Average Shares Outstanding Basic | 204,236.69 | 204,236.69 | 204,236.69 | 204,236.69 |
| Average Shares Outstanding Diluted | 204,236.69 | 204,236.69 | 204,236.69 | 204,236.69 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | 2,589,348,863.00 | 1,309,253,957.00 | 766,425,281.00 | 680,172,112.00 |
| Operating Net Income | 441,080,385.00 | 682,307,668.00 | 375,932,109.00 | 84,786,272.00 |
| Deprecation and Amortization | 79,611,677.00 | 60,712,654.00 | 69,639,875.00 | 33,858,994.00 |
| Deferred Income Tax | 0 | 0 | 0 | 0 |
| Share Based Compensation | 0 | 0 | 0 | 0 |
| Change in Working Capital | 45,881,438.00 | -228,352,990.00 | -953,712,202.00 | -255,809,928.00 |
| Other Operating Activities | 2,022,775,363.00 | 794,586,625.00 | 1,274,565,499.00 | 817,336,774.00 |
| Investing Cash Flow | -162,395,703.00 | -93,627,578.00 | -184,130,642.00 | -34,269,057.00 |
| Capital Expenditure | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | -164,525,453.00 | -91,783,378.00 | -111,280,464.00 | -48,788,435.00 |
| Net Purchase/Sale of Investments Net | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 |
| Other Investing Activities | 0 | 0 | 0 | 0 |
| Financing Cash Flow | 124,391,616.00 | -57,614,778.00 | -57,697,381.00 | -15,747,223.00 |
| Net Issuance/Repayment of Debt | 177,420,352.00 | -58,825,356.00 | -43,961,481.00 | -15,242,901.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | 0 |
| Dividends Paid | -90,609,727.00 | -606,095.00 | -17,475,201.00 | 0 |
| Other Financing Activities | 37,580,991.00 | 1,816,673.00 | 3,739,301.00 | -504,322.00 |
| Net Change in Cash | 2,551,344,776.00 | 1,158,011,601.00 | 524,597,258.00 | 630,155,832.00 |
| Cash at Beginning of Period | 2,488,330,006.00 | 2,008,588,332.00 | 2,883,317,143.00 | 1,392,098,573.00 |
| Cash at End of Period | 2,823,405,750.00 | 2,488,330,006.00 | 2,008,588,332.00 | 1,324,071,770.00 |
| Free Cash Flow | 2,424,823,410.00 | 1,217,470,579.00 | 655,144,817.00 | 631,383,677.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Assets | 22,166,553,000.00 | 19,264,453,541.00 | 16,288,455,732.00 | 14,719,893,843.00 | 12,552,531,436.00 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 3,831,746,000.00 | 3,314,123,976.00 | 2,450,905,585.00 | 2,823,405,750.00 | 3,024,431,772.00 |
| Short-Term Investments | 0 | 8,940,590.00 | 6,712,608.00 | 2,341,183,504.00 | 4,131,541.00 |
| Net Receivables | 37,021,000.00 | 224,796,396.00 | 310,544,820.00 | 1,423,733,127.00 | 197,523,139.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 814,268,000.00 | 748,331,643.00 | 698,038,625.00 | 646,547,368.00 | 586,362,179.00 |
| Goodwill | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 88,503,682.00 | 77,789,752.00 | 69,228,950.00 | 66,983,000.00 |
| Long-Term Investments | 3,395,697,000.00 | 3,095,767,619.00 | 3,084,123,853.00 | 2,617,082,171.00 | 2,758,289,931.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 19,183,879,000.00 | 16,329,351,272.00 | 13,471,171,603.00 | 12,104,066,606.00 | 10,162,136,171.00 |
| Payables and Expenses | 25,242,000.00 | 456,544,917.00 | 392,304,729.00 | 324,209,368.00 | 234,516,417.00 |
| Account Payables | 0 | 190,993.00 | 174,220.00 | 170,833.00 | 10,748.00 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 2,396,990.00 | 1,891,148.00 | 1,126,839.00 | 1,026,019.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 407,588,000.00 | 834,551,187.00 | 571,526,749.00 | 347,868,171.00 | 251,092,598.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 2,982,674,000.00 | 2,935,102,269.00 | 2,817,284,129.00 | 2,615,827,237.00 | 2,390,395,265.00 |
| Shareholders Equity | 2,920,298,000.00 | 2,879,056,118.00 | 2,768,435,480.00 | 2,573,759,465.00 | 2,353,991,890.00 |
| Capital Stock | 613,000.00 | 612,710.00 | 612,710.00 | 612,710.00 | 612,710.00 |
| Share Premium | 0 | 0 | 0 | 6,744,974.00 | 0 |
| Retained Earnings | 181,856,000.00 | 138,503,778.00 | 461,943,795.00 | -367,211,255.00 | 270,384,184.00 |
| Treasury Shares | 0 | 0 | 0 | 0 | 0 |
| Accumulated Other Comprehensive Income | 1,628,572,000.00 | 1,693,189,037.00 | 1,318,529,957.00 | 2,030,985,593.00 | 1,241,245,571.00 |
| Minority Interest | 62,376,000.00 | 56,046,151.00 | 48,848,649.00 | 42,067,772.00 | 36,403,375.00 |
| Debt | 407,588,000.00 | 836,948,177.00 | 573,417,897.00 | 348,995,010.00 | 252,118,617.00 |
| Common Shares Outstanding | 612,710.08 | 612,710.08 | 612,710.08 | 612,710.08 | 612,710.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Revenues | 844,912,000.00 | 794,408,629.00 | 692,650,137.00 | 731,146,232.00 | 771,555,000.00 |
| Interest Income | 1,315,859,000.00 | 1,057,561,877.00 | 930,862,392.00 | 1,161,258,816.00 | 1,004,134,000.00 |
| Interest Expense | 727,569,000.00 | 459,763,713.00 | 377,768,134.00 | 484,142,166.00 | 396,469,000.00 |
| Non-Interest Expense | 444,595,000.00 | 432,401,431.00 | 378,518,175.00 | 426,919,314.00 | 384,753,000.00 |
| Selling, General and Administrative Expenses | 277,372,000.00 | 275,155,707.00 | 254,226,710.00 | 313,765,618.00 | 264,742,000.00 |
| EBT | 61,353,000.00 | 89,858,857.00 | 131,843,660.00 | 40,012,010.00 | 163,220,000.00 |
| Income Tax | 23,282,000.00 | 30,242,435.00 | 50,235,596.00 | -53,604,923.00 | 32,501,000.00 |
| Net Income Including Non-Controlling Interests | 38,071,000.00 | 59,616,422.00 | 81,608,064.00 | 93,616,933.00 | 130,719,000.00 |
| Net Income Non-Controlling Interests | -2,985,000.00 | -4,260,425.00 | -3,176,041.00 | -3,595,753.00 | 607,000.00 |
| Net Income | 35,086,000.00 | 55,355,997.00 | 78,432,023.00 | 90,021,180.00 | 131,326,000.00 |
| Deprecation and Amortization | 24,816,000.00 | 24,836,308.00 | 20,779,232.00 | 29,292,633.00 | 8,314,241.00 |
| EPS | 0.17 | 0.27 | 0.38 | 0.30 | 0.64 |
| Diluted EPS | 0.17 | 0.27 | 0.38 | 0.30 | 0.64 |
| Average Shares Outstanding Basic | 204,236.69 | 204,236.69 | 204,236.69 | 204,236.22 | 204,236.67 |
| Average Shares Outstanding Diluted | 204,236.69 | 204,236.69 | 204,236.69 | 204,236.22 | 204,236.67 |
| Breakdown | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|
| Operating Cash Flow | 559,384,101.00 | -521,255,644.00 | 67,650,916.00 | 1,258,736,390.00 | 602,976,819.00 |
| Operating Net Income | 97,786,010.00 | 131,843,660.00 | 40,012,010.00 | 56,422,149.00 | 254,103,092.00 |
| Deprecation and Amortization | 24,836,308.00 | 20,779,232.00 | 29,292,633.00 | 8,314,241.00 | 25,974,752.00 |
| Deferred Income Tax | 0 | 0 | 0 | 0 | 0 |
| Share Based Compensation | 0 | 0 | 0 | 0 | 0 |
| Change in Working Capital | 268,039,065.00 | -967,878,544.00 | -425,639,460.00 | 1,263,847,498.00 | -102,485,723.00 |
| Other Operating Activities | 168,722,718.00 | 294,000,008.00 | 423,985,733.00 | -69,847,498.00 | 425,384,698.00 |
| Investing Cash Flow | -33,720,963.00 | -18,042,086.00 | -131,223,108.00 | 28,992,285.00 | -22,430,314.00 |
| Capital Expenditure | 0 | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | -33,727,790.00 | -18,155,629.00 | -130,701,032.00 | 30,523,047.00 | -26,612,902.00 |
| Net Purchase/Sale of Investments Net | 0 | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of Business | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | 6,827.00 | 113,543.00 | -522,076.00 | -1,530,762.00 | 4,182,588.00 |
| Financing Cash Flow | 214,994,925.00 | 195,146,924.00 | 74,751,757.00 | 141,270,829.00 | -48,218,507.00 |
| Net Issuance/Repayment of Debt | 202,192,991.00 | 195,126,847.00 | 80,797,337.00 | 129,084,144.00 | 6,312,693.00 |
| Net Issuance/Repurchase of Equity | 0 | 0 | 0 | 0 | 0 |
| Dividends Paid | 0 | 0 | -6,733,408.00 | -15,738,673.00 | 0 |
| Other Financing Activities | 0 | 0 | 687,828.00 | 27,925,358.00 | 0 |
| Net Change in Cash | 740,658,063.00 | -344,150,806.00 | 11,179,565.00 | 1,428,999,504.00 | 532,327,998.00 |
| Cash at Beginning of Period | 2,450,905,585.00 | 3,065,862,292.00 | 3,024,431,772.00 | 2,022,505,686.00 | 1,984,893,768.00 |
| Cash at End of Period | 3,314,123,976.00 | 2,450,905,585.00 | 2,823,405,750.00 | 3,024,431,772.00 | 2,022,505,686.00 |
| Free Cash Flow | 525,656,311.00 | -539,411,273.00 | -63,050,116.00 | 1,289,259,437.00 | 576,363,917.00 |