Banco Hipotecario S.A (BHIP) Fair Value & Analysis
Financial Services · AR · Market cap 540B ARS
Fair value as of: Jul 5, 2026
From 6 valuation models · updated 36 days ago
Fair value updated Jul 5, 2026, revised from 430.41 ARS to 229.17 ARS (−46.8%) since Jun 26, 2026. Share price +21.7% over the past month.
Below-average quality, and screening another 39% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (286.46 ARS). The favourable scenario is already priced in.
- Solid but not exceptional quality (46/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 5, 2026.
How to read this chart
60‑month range 7.09 ARS – 624.00 ARS · fair‑value band 171.87 ARS – 286.46 ARS · the 378.00 ARS price screens above the 229.17 ARS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 5, 2026.
Analysis
Banco Hipotecario S.A (BHIP) currently trades at 378.00 ARS, while our model-based Fair Value estimate is 229.17 ARS, implying the stock looks roughly 39.4% overvalued today. The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Banco Hipotecario S.A generated revenue of 520B ARS at a net margin of 5.7%. Revenue grew 52.5% year over year. It earns a return on equity of 5.1%. Net debt stands at 2.2B ARS. Fundamentals as of Jul 5, 2026
Our scenario range runs from 171.87 ARS (bear case) to 286.46 ARS (bull case); at 378.00 ARS, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 38% below its 52-week high and 114% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -39%, BHIP screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Dividend Discount (658.67 ARS) versus Multiples (218.25 ARS). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 5, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 51 · Market factors (momentum, volatility) 38
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Banco Hipotecario S.A. provides banking services in Argentina. It operates through Finance, Wholesale Banking, and Retail Banking segments. The company offers savings, current, and special accounts; and debit and credit cards.
Full company description
Banco Hipotecario S.A. provides banking services in Argentina. It operates through Finance, Wholesale Banking, and Retail Banking segments. The company offers savings, current, and special accounts; and debit and credit cards. It also provides investment products, such as fixed term, mutual funds, securities and shares, mortgage certificates, and market data; housing loans; personal loans, inlucindg salary advance, consumption quotas, unrestricted loan, one free-purpose loan, short loan, and payroll loans; and personal accidents, accidents involving the elderly, cars, mobile assets, rental guarantee, buyer protection, home, pets, home and pets, sustainable mobility, ATM robbery, comprehensive health, senior, and life insurance products. In addition, the company offers foreign trade services comprising send and receive money, and documentary operations; financing and leasing services; insurance for business; and corporate, institution, SME, and public sector services. Banco Hipotecario S.A. was founded in 1886 and is based in Buenos Aires, Argentina.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Banco Hipotecario S.A reported revenue of 470B ARS in FY2025 versus 22.6B ARS in FY2021, a compound +113.6%/yr. Reported net income was 25.2B ARS in FY2025.
BHIP screens 39% overvalued. Compare with PT Bank Central Asia Tbk →
Peer Group
Banks - Regional · 1083 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 5, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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