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Banco Patagonia (BPAT) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Banco Patagonia stock ARS 1,574, price ARS 1,470, upside +7.1%, quality 53 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 ARMERI013163

BP Banco Patagonia logo Thin data Nov 7, 2026

Banco Patagonia

BPAT · BA
Fairly valued, in an uptrend

The stock costs about what our calculation considers fair.

Ranks above peers (8/13)
Profit last quarter +71% vs. a year ago.
Fair value 1,574 ARS · Fairly valued (+7.1%)
Quality 53/100
Mixed Growth (revenue 5y +91.6 %/yr in ARS)
Thin margins · 8.0% net margin (TTM)
Moderate moat 51/100 · thin data
Thin data
⚠ Small free float
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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

3,210 ARS 58.65 ARS Fair Value 1,574 ARS May 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 58.65 ARS – 3,210 ARS · fair‑value band 1,469 ARS – 2,350 ARS · the 1,470 ARS price screens below the 1,574 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 Patagonia S.A. provides various banking products and services in Argentina. It offers savings, retired, salary, current, agro, and minor accounts; accounts for SMEs; and foreign trade services. The company also provides Patagonia leasing, capital marketing, and alternative financing services.

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In addition, it offers loans; safe deposit boxes; credit and debit cards; and home, car, motorbike, mobility, ATM robbery, protected belongings, smartphone, pets, personal accidents, life, health, burial, and rental bond insurance products.

Further, the company offers financial agency services; mobile banking services; business cards; investments for fixed-term, mutual funds, and financial trusts; and collection, payment, inter-banking, and AFIP services.

It serves individuals, businesses, professionals, SMEs, agro-business clients, the public sector, and institutional clients. The company was incorporated in 1928 and is based in Buenos Aires, Argentina. Banco Patagonia S.A. is a subsidiary of Banco do Brasil S.A.

Stock analysis

Banco Patagonia (BPAT) currently trades at 1,470 ARS, while our model-based Fair Value estimate is 1,574 ARS, so the stock looks roughly fairly valued today (gap 6.6%).

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Valuation

Bull case: the Multiples group reads highest at a median of 2,215 ARS per share, and 3 of the 6 models we run sit above the 1,470 ARS price.

Bear case: the Dividend Discount group reads lowest at 683.68 ARS, and 3 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: 1,469 ARS (bear) to 2,350 ARS (bull), the price of 1,470 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 53/100 (solid quality), in the Financial Services sector.

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

Banco Patagonia reported revenue of 1.3T ARS in FY2025 versus 71.5B ARS in FY2021, a compound +107.1%/yr. Reported net income was 109B ARS in FY2025, compounding +98.6%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.

Key figures

Market cap 1.1T ARS (≈ $682M) Small · P/E ratio 9.9 · P/S ratio 0.82 · EPS (TTM) 166.53 ARS · Net margin 8.0% · Return on equity 5.9% · Return on assets (EBIT) 6.8% (5-year average) · Operating margin 25.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).

What moves the price

The share trades about 50% 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 7%, BPAT screens cheaper than that median.

Fair Value models

Bear 1,469 ARS Fair Value 1,574 ARS Bull 2,350 ARS
Price 1,470 ARS · Upside +7.1%
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 (142.35 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 1,469 ARS 1,456 ARS 1,472 ARS 76
Gordon GGM 635.99 ARS 666.59 ARS 708.81 ARS 69
DDM Multi-Stage 635.99 ARS 700.77 ARS 769.53 ARS 67
All 6 models by family
Dividend Discount
Gordon GGM 635.99 ARS 666.59 ARS 708.81 ARS 69
DDM Multi-Stage 635.99 ARS 700.77 ARS 769.53 ARS 67
Multiples
P/E Multiple 1,528 ARS 2,037 ARS 2,546 ARS 63
P/B Multiple 1,795 ARS 2,394 ARS 2,992 ARS 55
Asset-Based
NCAV (Graham) 1,175 ARS 1,574 ARS 2,350 ARS 54
Economic Profit
Residual Income 1,469 ARS 1,456 ARS 1,472 ARS 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 53/100

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

Profitability 20
How much profit the company makes from its sales and capital
Quality Growth 25
Are margins and returns getting better?
Cashflow 100
Do the profits arrive as real cash?
Financial strength 57
Debt, balance sheet and risk of trouble
Investment 33
Does it invest with discipline instead of growing at any price?
Low Volatility 50
How calm the share price moves, does not count
Price momentum 24
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 28
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
−37.9%
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.
+92.5%
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.
+91.6%
Start year 2020 (pandemic). Over 10 years: +68.0% a year
Revenue growth 10 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.
+68.0%
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. 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.
+59.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+59.8%
Dividend (yield on the price)0.0%

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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 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 53 · Below median
Fair Value upside +7.1% · Top 25%
Profitability
Return on equity (12 months) 5.9% · Bottom 25%
Return on assets 1.2% · Above median
Net margin (12 months) 8.0% · Bottom 25%
Operating margin (12 months) 25.9% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 10.1% · Above median
Dividend yield (12 months) 0.0% · Bottom 25%
Balance sheet
Debt / equity 0.00× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 9.9× · Cheaper than median
P/B 0.64× · Cheapest 25%
P/S (12 months) 0.82× · Cheapest 25%
Price / free cash flow (fiscal year) 2.0× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)43 · sector 8
FUTURE (revenue growth)51 · sector 47
PAST (return on equity)24 · 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 BPAT
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs BPAT
BNP Paribas SA BNP €91.93 €106.01 +15% vs BPAT
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BPAT
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs BPAT
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BPAT
Mizuho Financial Group MFG $9.40 $5.90 −37% vs BPAT
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BPAT
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs BPAT
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs BPAT

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Banco Patagonia: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Banco Patagonia Fair Value". https://www.fairvalue-calculator.com/stock/BPAT

Frequently asked questions

Is Banco Patagonia (BPAT) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of 1,574 ARS versus a price of 1,470 ARS, about +7% upside (fairly valued).
What is the fair value of BPAT?
Our model-based fair value for Banco Patagonia is 1,574 ARS (as of Nov 7, 2026), built from audited fundamentals. The current price: 1,470 ARS.
What is the quality score of BPAT?
Banco Patagonia has a Quality Score of 53/100. 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 Banco Patagonia (BPAT)?
Our model-based price target is the fair value of 1,574 ARS (as of Nov 7, 2026) from 6 valuation models. Cautious scenario 1,469 ARS, optimistic scenario 2,350 ARS. It is a calculation from audited fundamentals, not an analyst target.
What is the Banco Patagonia stock forecast for 2026?
Our models put fair value at 1,574 ARS, about +7% upside versus a price of 1,470 ARS (fairly valued). Cautious scenario 1,469 ARS, optimistic scenario 2,350 ARS. The calculation is refreshed regularly with new filings.
What is the revenue of Banco Patagonia (BPAT)?
Banco Patagonia reported trailing-twelve-month revenue of about 1.3T ARS (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of Banco Patagonia (BPAT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Banco Patagonia it is 1,574 ARS per share (as of Nov 7, 2026), against a price of 1,470 ARS. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Banco Patagonia stock overvalued or undervalued in 2026?
As of Nov 7, 2026, BPAT trades below its calculated fair value: price 1,470 ARS, fair value 1,574 ARS, a gap of about +7% (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 BPAT?
No. The price is what the market pays today (1,470 ARS); the fair value is what the company's own numbers justify (1,574 ARS). For Banco Patagonia the two are 104.37 ARS per share apart. That gap is exactly why we show both numbers side by side.
How much is Banco Patagonia worth?
The market values Banco Patagonia at about 1.1T ARS (market capitalisation, as of Nov 7, 2026). Per share that is 1,470 ARS; our models calculate a fair value of 1,574 ARS per share.
What do the bullish and bearish scenarios say about BPAT?
Our models span a range for Banco Patagonia: cautious scenario 1,469 ARS, base 1,574 ARS, optimistic 2,350 ARS per share (as of Nov 7, 2026, price 1,470 ARS). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BPAT?
Banco Patagonia trades at a price-to-earnings ratio of 9.9 (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 1,574 ARS is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2017 to 2025), reported earnings: 4.8. Other multiples: P/B 0.6, P/S 0.8.
How solid is the balance sheet of Banco Patagonia (BPAT)?
Balance-sheet figures for Banco Patagonia (as of Nov 7, 2026): return on equity 5.9%, debt of 0.00 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is BPAT from its 52-week high?
Banco Patagonia trades at 1,470 ARS, about 50% below its 52-week high of 2,960 ARS and at the low of 1,470 ARS (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 1,574 ARS is for.
Which stocks are comparable to Banco Patagonia?
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 Banco Patagonia stock attractive at the current price?
The data as of Nov 7, 2026: price 1,470 ARS, calculated fair value 1,574 ARS (+7%), Quality Score 53/100, 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 BPAT calculated?
We run Banco Patagonia through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 1,574 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. Banco Patagonia currently trades 7% 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 Banco Patagonia (BPAT)?
The closing price on Nov 6, 2026 was 1,470 ARS. Our model-based fair value is 1,574 ARS, about +7% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banco Patagonia right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 Banco Patagonia

How large is the market capitalisation of Banco Patagonia (BPAT)?
The market capitalisation of Banco Patagonia is 1.1T ARS (≈ $682M). 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 Banco Patagonia (BPAT)?
The price-to-sales ratio of Banco Patagonia is 0.82 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Banco Patagonia (BPAT)?
Earnings per share at Banco Patagonia are 166.53 ARS (price ÷ EPS = P/E 9.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Banco Patagonia (BPAT)?
The net margin of Banco Patagonia is 8.0% (last twelve months). 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 Banco Patagonia (BPAT)?
The return on equity (ROE) of Banco Patagonia is 5.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Banco Patagonia (BPAT)?
On an EBIT basis the return on assets of Banco Patagonia is 6.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Banco Patagonia (BPAT)?
The operating margin of Banco Patagonia is 25.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Banco Patagonia (BPAT)?
Revenue at Banco Patagonia is growing +10.1% versus a year earlier (3y avg +92.5%). 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 Banco Patagonia (BPAT)?
Earnings per share at Banco Patagonia are growing +70.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Banco Patagonia (BPAT) generate?
The free cash flow of Banco Patagonia is 540B 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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