Financial Services / Banks - RegionalBuenos Aires
$349.00
-8.00 (-2.24%)
Book/ROE base 3Y
n/d
n/d CAGR · P/B n/d
Book/ROE base 5Y
n/d
n/d base · n/d expected
Precio de entrada
n/d
MOS 100% · confianza 20%
Book/ROE escenarios
weak_data · book/share n/d · quality 58.0/100
Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.
SA Score
34/100
D
Piotroski
3/9
balance/quality
Valuation
50/100
+0.0% upside
5Y CAGR
+0.0%
50/100
Data QA
16/100
SEC 0%
Sin guardar todavía.
Market Cap
$523.5B
P/E
17.6x
↑EV/EBITDA
N/A
•ROE
4.4%
↓Gross Margin
N/A
•Debt/Equity
0.38
↑TradingView lightweight chart
Absolute Values (Left Axis)
Ratios / Percentages (Right Axis)
Financial statement dashboard
2022–2025 · 3 años de histórico normalizado
Revenue CAGR
+31.0%
FCF CAGR
+20.4%
FCF margin
33.9%
FCF / Net income
6.33x
Latest source
Provider fallback
Margin decomposition
Último año: revenue $470.48B · net income $25.18B · FCF $159.28B
Gross margin
Operating margin
Net margin
FCF margin
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $470.48B | $470.48B | $977.00B | $793.26B | $209.33B |
| Net Income | $25.18B | $25.18B | $106.02B | $123.18B | $18.86B |
| EPS | 17.01 | 17.01 | 71.75 | 83.51 | 12.80 |
| Net Margin | 5.4% | 5.4% | 10.9% | 15.5% | 9.0% |
| Balance Sheet | |||||
| Debt/Equity | 0.38 | 0.38 | 0.21 | 0.25 | 0.40 |
| Cash Flow | |||||
| Free Cash Flow | $159.28B | $159.28B | $238.13B | $142.89B | $91.19B |
| Returns | |||||
| ROE | 4.4% | 4.4% | 16.8% | 26.9% | 12.3% |
| Valuation | |||||
| P/E | 17.56 | 17.56 | 8.45 | 1.32 | 1.82 |
| P/B | 0.90 | 0.90 | 1.42 | 0.36 | 0.22 |
| Growth & Yield | |||||
| Revenue Growth | -51.8% | -51.8% | 23.2% | 279.0% | — |
| EPS Growth | -76.3% | -76.3% | -14.1% | 552.5% | — |
| Dividend Yield | 19.0% | 19.0% | — | — | — |
Revenue, Net Income & Free Cash Flow ($B)
Margins (%)
Returns (%)
Leverage & Liquidity
3Y implied EPS CAGR
22.1%
EPS terminal req.
$30.97
Spread vs growth
-98.4%
5Y implied EPS CAGR
17.1%
EPS terminal req.
$37.47
Spread vs growth
-93.4%
10Y implied EPS CAGR
13.5%
EPS terminal req.
$60.35
Spread vs growth
-89.8%
Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.
Total return
-8.8%
Start / end P/E
6.7x → 20.5x
EPS bridge
71.75 → 17.01
Residual
-156.2%
Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.