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BBVA Banco Frances SA (BBAR) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of BBVA Banco Frances SA stock ARS 6,256, price ARS 5,905, upside +5.9%, quality 50 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services AR · ISIN ARP125991090

BB BBVA Banco Frances SA logo Some data Nov 7, 2026

BBVA Banco Frances SA

BBAR · BA
Fairly valued, sideways

The stock costs about what our calculation considers fair.

Upbeat coverage
Profit last quarter +71% vs. a year ago.
Fair value 6,256 ARS · Fairly valued (+5.9%)
Quality 50/100
Mixed Growth (revenue 5y +99.1 %/yr in ARS)
Thin margins · 8.6% net margin (TTM)
Moderate moat 45/100 · thin data
Some data
Trails peers (5/14)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

11,050 ARS 140.26 ARS Fair Value 6,256 ARS Jul 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range 140.26 ARS – 11,050 ARS · fair‑value band 4,692 ARS – 7,820 ARS · the 5,905 ARS price screens below the 6,256 ARS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

Banco BBVA Argentina S.A. provides banking products and services in Argentina.

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The company offers retail banking products and services, such as checking and savings accounts, time deposits, credit card financing, consumer and pledge loans, mortgages, insurance, and investment products to individuals; and financing products, factoring, checking accounts, time deposits, transactional and payroll services, insurance, and investment products to private-sector companies and small and medium-sized enterprises.

It also provides corporate and investment banking products and services, including global transaction services; global markets solutions comprising risk management and securities brokerage; project finance and syndicated loans; and corporate finance services consisting of mergers and acquisitions and capital markets advisory services to corporations and multinational companies.

In addition, the company provides foreign trade and asset management services, as well as credit and debit cards. The company was formerly known as BBVA Banco Francés S.A. and changed its name to Banco BBVA Argentina S.A. in November 2019.

The company was incorporated in 1886 and is based in Buenos Aires, Argentina.

Stock analysis

BBVA Banco Frances SA (BBAR) currently trades at 5,905 ARS, while our model-based Fair Value estimate is 6,256 ARS, so the stock looks roughly fairly valued today (gap 5.6%).

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Valuation

Bull case: the Multiples group reads highest at a median of 6,256 ARS per share, and 1 of the 6 models we run sit above the 5,905 ARS price.

Bear case: the Asset-Based group reads lowest at 3,623 ARS, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: 4,692 ARS (bear) to 7,820 ARS (bull), the price of 5,905 ARS sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 50/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

BBVA Banco Frances SA reported revenue of 3.1T ARS in FY2025 versus 166B ARS in FY2021, a compound +107.3%/yr. Reported net income was 315B ARS in FY2025, compounding +96.4%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.

Key figures

Market cap 4.2T ARS (≈ $2.7B) Mid · P/E ratio 9.6 · P/S ratio 0.99 · EPS (TTM) 618.11 ARS · Net margin 10.3% · Return on equity 8.1% · Return on assets 1.2% · Operating margin 19.0%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 45 out of 100 (low confidence).

What moves the price

The share trades about 47% below its 52-week high and at its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 6%, BBAR screens cheaper than that median.

Fair Value models

Bear 4,692 ARS Fair Value 6,256 ARS Bull 7,820 ARS
Price 5,905 ARS · Upside +5.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (528.36 ARS per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income 3,728 ARS 3,848 ARS 4,058 ARS 76
Gordon GGM 132.16 ARS 138.01 ARS 146.55 ARS 69
DDM Multi-Stage 132.16 ARS 142.67 ARS 155.61 ARS 67
All 6 models by family
Dividend Discount
Gordon GGM 132.16 ARS 138.01 ARS 146.55 ARS 69
DDM Multi-Stage 132.16 ARS 142.67 ARS 155.61 ARS 67
Multiples
P/E Multiple 5,015 ARS 6,686 ARS 8,358 ARS 63
P/B Multiple 4,369 ARS 5,826 ARS 7,282 ARS 55
Asset-Based
NCAV (Graham) 2,704 ARS 3,623 ARS 5,407 ARS 54
Economic Profit
Residual Income 3,728 ARS 3,848 ARS 4,058 ARS 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 50/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 29
How much profit the company makes from its sales and capital
Quality Growth 13
Are margins and returns getting better?
Cashflow 93
Do the profits arrive as real cash?
Financial strength 62
Debt, balance sheet and risk of trouble
Investment 24
Does it invest with discipline instead of growing at any price?
Low Volatility 58
How calm the share price moves, does not count
Price momentum 16
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 4
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 84/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−32.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+192.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+99.1%
Start year 2020 (pandemic)
Revenue growth 8 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+85.8%
What shareholders gained per year (last 5 years), in ARS ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted. Measured in ARS: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+84.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+84.3%
Dividend (yield on the price)0.0%

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Earlier news

News mood ⓘNews mood, the average tone of recent news (46 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score 50 · Below median
Fair Value upside +5.9% · Above median
Profitability
Return on equity (12 months) 8.1% · Below median
Return on assets 1.2% · Above median
Net margin (12 months) 8.6% · Bottom 25%
Operating margin (12 months) 19.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 5.1% · Below median
Dividend yield (12 months) 0.0% · Bottom 25%
Balance sheet
Debt / equity 0.42× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 9.6× · Cheaper than median
P/B 1.22× · Pricier than median
P/S (12 months) 1.31× · Cheapest 25%
Price / free cash flow (fiscal year) 5.3× · Cheapest 25%
PEG 1.61× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)41 · sector 8
FUTURE (revenue growth)26 · sector 47
PAST (return on equity)32 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs BBAR
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs BBAR
BNP Paribas SA BNP €91.93 €106.01 +15% vs BBAR
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BBAR
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs BBAR
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BBAR
Mizuho Financial Group MFG $9.40 $5.90 −37% vs BBAR
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BBAR
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs BBAR
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs BBAR

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BBVA Banco Frances SA: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "BBVA Banco Frances SA Fair Value". https://www.fairvalue-calculator.com/stock/BBAR

Frequently asked questions

Is BBVA Banco Frances SA (BBAR) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of 6,256 ARS versus a price of 5,905 ARS, about +6% upside (fairly valued).
What is the fair value of BBAR?
Our model-based fair value for BBVA Banco Frances SA is 6,256 ARS (as of Nov 7, 2026), built from audited fundamentals. The current price: 5,905 ARS.
What is the quality score of BBAR?
BBVA Banco Frances SA has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for BBVA Banco Frances SA (BBAR)?
Our model-based price target is the fair value of 6,256 ARS (as of Nov 7, 2026) from 6 valuation models. Cautious scenario 4,692 ARS, optimistic scenario 7,820 ARS. It is a calculation from audited fundamentals, not an analyst target.
What is the BBVA Banco Frances SA stock forecast for 2026?
Our models put fair value at 6,256 ARS, about +6% upside versus a price of 5,905 ARS (fairly valued). Cautious scenario 4,692 ARS, optimistic scenario 7,820 ARS. The calculation is refreshed regularly with new filings.
What is the revenue of BBVA Banco Frances SA (BBAR)?
BBVA Banco Frances SA reported trailing-twelve-month revenue of about 3.2T ARS (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of BBVA Banco Frances SA (BBAR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For BBVA Banco Frances SA it is 6,256 ARS per share (as of Nov 7, 2026), against a price of 5,905 ARS. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is BBVA Banco Frances SA stock overvalued or undervalued in 2026?
As of Nov 7, 2026, BBAR trades below its calculated fair value: price 5,905 ARS, fair value 6,256 ARS, a gap of about +6% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BBAR?
No. The price is what the market pays today (5,905 ARS); the fair value is what the company's own numbers justify (6,256 ARS). For BBVA Banco Frances SA the two are 351.18 ARS per share apart. That gap is exactly why we show both numbers side by side.
How much is BBVA Banco Frances SA worth?
The market values BBVA Banco Frances SA at about 4.2T ARS (market capitalisation, as of Nov 7, 2026). Per share that is 5,905 ARS; our models calculate a fair value of 6,256 ARS per share.
What do the bullish and bearish scenarios say about BBAR?
Our models span a range for BBVA Banco Frances SA: cautious scenario 4,692 ARS, base 6,256 ARS, optimistic 7,820 ARS per share (as of Nov 7, 2026, price 5,905 ARS). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BBAR?
BBVA Banco Frances SA trades at a price-to-earnings ratio of 9.6 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 6,256 ARS is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 10.9 (reported for FY2025: 11.5). Median P/E at fiscal year-end, 8 fiscal years (2017 to 2025), reported earnings, FY2025 ex one-offs: 8.2. Other multiples: PEG 1.6, P/B 1.2, P/S 1.3.
What is the PEG ratio of BBAR?
The PEG ratio of BBVA Banco Frances SA is 1.61 (P/E divided by earnings growth, as of Nov 7, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of BBVA Banco Frances SA (BBAR)?
Balance-sheet figures for BBVA Banco Frances SA (as of Nov 7, 2026): return on equity 8.1%, debt of 0.42 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is BBAR from its 52-week high?
BBVA Banco Frances SA trades at 5,905 ARS, about 47% below its 52-week high of 11,050 ARS and at the low of 5,905 ARS (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 6,256 ARS is for.
Which stocks are comparable to BBVA Banco Frances SA?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is BBVA Banco Frances SA stock attractive at the current price?
The data as of Nov 7, 2026: price 5,905 ARS, calculated fair value 6,256 ARS (+6%), Quality Score 50/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BBAR calculated?
We run BBVA Banco Frances SA through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 6,256 ARS builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. BBVA Banco Frances SA currently trades 6% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of BBVA Banco Frances SA (BBAR)?
The closing price on Nov 6, 2026 was 5,905 ARS. Our model-based fair value is 6,256 ARS, about +6% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with BBVA Banco Frances SA right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of BBVA Banco Frances SA

How large is the market capitalisation of BBVA Banco Frances SA (BBAR)?
The market capitalisation of BBVA Banco Frances SA is 4.2T ARS (≈ $2.7B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of BBVA Banco Frances SA (BBAR)?
The price-to-sales ratio of BBVA Banco Frances SA is 0.99 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of BBVA Banco Frances SA (BBAR)?
Earnings per share at BBVA Banco Frances SA are 618.11 ARS (price ÷ EPS = P/E 9.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of BBVA Banco Frances SA (BBAR)?
The net margin of BBVA Banco Frances SA is 10.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of BBVA Banco Frances SA (BBAR)?
The return on equity (ROE) of BBVA Banco Frances SA is 8.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of BBVA Banco Frances SA (BBAR)?
The return on assets (ROA) of BBVA Banco Frances SA is 1.2% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of BBVA Banco Frances SA (BBAR)?
The operating margin of BBVA Banco Frances SA is 19.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at BBVA Banco Frances SA (BBAR)?
Revenue at BBVA Banco Frances SA is growing +5.1% versus a year earlier (3y avg +192%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at BBVA Banco Frances SA (BBAR)?
Earnings per share at BBVA Banco Frances SA are growing +71.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does BBVA Banco Frances SA (BBAR) generate?
The free cash flow of BBVA Banco Frances SA is 783B ARS (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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