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BPAC3.SA$27.00+0.45%
Fair $27.00+0.0%

BPAC3.SA

Banco BTG Pactual S.A.

Financial Services / Capital MarketsSão Paulo

$27.00

+0.12 (+0.45%)

Fairly Valued+0.0%Fair Value $27.00Fund rank 21/100 · Data gapFallback financials|
SA 30/D
F-Score: 3/9

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 81.0/100

Data gap 21/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 2/100Data QA 20/100

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.

Quality + valuation scorecard

SA Score

30/100

D

Piotroski

3/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 0unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified.
Thesis & Journal · BPAC3.SALocal privado en este navegador · Banco BTG Pactual S.A.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$312.9B

P/E

17.9x

↑

EV/EBITDA

N/A

•

ROE

22.8%

↑

Gross Margin

N/A

•

Debt/Equity

1.01

↑
52-Week Range$27
$21$47

TradingView lightweight chart

BPAC3.SA price, volumen y niveles de valoración

Último $27.00Periodo +2309.8%
Fair value: $27.00

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+20.9%

FCF CAGR

—

FCF margin

-51.1%

FCF / Net income

-1.66x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $51.97B · net income $15.95B · FCF $-26.53B

2022-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

30.7%+4.0% pts

FCF margin

-51.1%-120.2% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$51.97B$51.97B$37.78B$32.23B$29.40B
Net Income$15.95B$15.95B$11.79B$9.92B$7.84B
EPS1.381.381.631.371.08
Net Margin30.7%30.7%31.2%30.8%26.7%
Balance Sheet
Debt/Equity1.011.010.740.760.61
Cash Flow
Free Cash Flow$-26.53B$-26.53B$2.29B$-19.20B$20.33B
Returns
ROE22.8%22.8%20.5%20.1%18.5%
Valuation
P/E17.8817.888.5112.5911.99
P/B4.474.472.784.023.52
Growth & Yield
Revenue Growth37.5%37.5%17.2%9.6%—
EPS Growth-15.6%-15.6%19.0%26.9%—
Dividend Yield1.7%1.7%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

20.3%

exigente

EPS terminal req.

$2.40

Spread vs growth

-35.9%

5Y implied EPS CAGR

16.1%

exigente

EPS terminal req.

$2.90

Spread vs growth

-31.6%

10Y implied EPS CAGR

13.0%

razonable

EPS terminal req.

$4.67

Spread vs growth

-28.6%

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.

Return attribution · 1Y approxreconcilia total +23.0%

Total return

+23.0%

Start / end P/E

13.7x → 19.6x

EPS bridge

1.63 → 1.38

Residual

-6.8%

EPS growth-15.6%
Multiple rerating+43.6%
Dividend+1.7%
Residual / FX / buybacks / cross-term-6.8%

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.