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Banco Hipotecario SA (BHIP) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Banco Hipotecario SA stock ARS 253, price ARS 189, upside +33.7%, quality 48 out of 100. Rating: undervalued. 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 ARBHIP010161

BH Banco Hipotecario SA logo Thin data Nov 6, 2026

Banco Hipotecario SA

BHIP · BA
Meets all rules: undervalued, quality rule, uptrend

The stock costs 25% less than our calculation considers fair.

Fair value 252.72 ARS · Undervalued
Even on cautious assumptions the value is 5% above the price (197.57 ARS).
Quality 48/100
Mixed Growth (revenue 5y +89.7 %/yr in ARS)
Loss over the last twelve months · -0.3% net margin (TTM) · fiscal year 2025 5.4%
Mixed vs. peers (6/13)
Narrow moat 33/100 · 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

624.00 ARS 7.09 ARS Fair Value 252.72 ARS May 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range 7.09 ARS – 624.00 ARS · fair‑value band 197.57 ARS – 377.19 ARS · the 189.00 ARS price screens below the 252.72 ARS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.

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Company profile

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.

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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.

Stock analysis

Banco Hipotecario SA (BHIP) currently trades at 189.00 ARS, while our model-based Fair Value estimate is 252.72 ARS, implying the stock looks roughly 25% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 369.25 ARS per share, and 4 of the 6 models we run sit above the 189.00 ARS price.

Bear case: the Dividend Discount group reads lowest at 179.73 ARS, and 2 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: 197.57 ARS (bear) to 377.19 ARS (bull), the price of 189.00 ARS sits below 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 48/100 (below-average quality), in the Financial Services sector.

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

Banco Hipotecario SA 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.

Key figures

Market cap 352B ARS (≈ $228M) Micro · P/E ratio 80.9 · P/S ratio 4.33 · EPS (TTM) 2.90 ARS · Net margin −0.3% · Return on equity 0.1% · Return on assets (EBIT) 2.5% (5-year average) · Operating margin 14.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 33 out of 100 (low confidence).

What moves the price

The share trades about 68% 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 34%, BHIP screens cheaper than that median.

Fair Value models

Bear 197.57 ARS Fair Value 252.72 ARS Bull 377.19 ARS
Price 189.00 ARS · Upside +33.7%
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 (2.49 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 197.57 ARS 204.77 ARS 214.17 ARS 75
Gordon GGM 170.29 ARS 177.25 ARS 187.44 ARS 67
DDM Multi-Stage 170.29 ARS 182.20 ARS 197.05 ARS 65
All 6 models by family
Dividend Discount
Gordon GGM 170.29 ARS 177.25 ARS 187.44 ARS 67
DDM Multi-Stage 170.29 ARS 182.20 ARS 197.05 ARS 65
Multiples
P/E Multiple 163.69 ARS 218.25 ARS 272.82 ARS 61
P/B Multiple 390.18 ARS 520.24 ARS 650.29 ARS 53
Asset-Based
NCAV (Graham) 188.60 ARS 252.72 ARS 377.19 ARS 52
Economic Profit
Residual Income 197.57 ARS 204.77 ARS 214.17 ARS 75

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Quality Score breakdown

Overall quality 48/100

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

Profitability 16
How much profit the company makes from its sales and capital
Quality Growth 23
Are margins and returns getting better?
Cashflow 100
Do the profits arrive as real cash?
Financial strength 42
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 15
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 8
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
−51.8%
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.
+83.0%
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.
+89.7%
Start year 2020 (pandemic). Over 10 years: +54.9% 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.
+54.9%
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.
+79.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+79.1%
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 · 996 stocks

Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 48 · Below median
Fair Value upside +33.7% · Top 25%
Profitability
Return on equity (12 months) 0.1% · Bottom 25%
Return on assets 0.7% · Below median
Net margin (12 months) −0.3% · Bottom 25%
Operating margin (12 months) 14.9% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −3.6% · Bottom 25%
Dividend yield (12 months) 16.3% · Top 25%
Balance sheet
Debt / equity 0.01× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 80.9× · Priciest 25%
P/B 0.61× · Cheapest 25%
P/S (12 months) 0.68× · Cheapest 25%
Price / free cash flow (fiscal year) 2.2× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)78 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)0 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)100 · 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 BHIP
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs BHIP
BNP Paribas SA BNP €91.93 €106.01 +15% vs BHIP
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BHIP
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs BHIP
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BHIP
Mizuho Financial Group MFG $9.40 $5.89 −37% vs BHIP
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BHIP
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs BHIP
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs BHIP

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Banco Hipotecario SA: fair value per Fair Value Calculator

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

Frequently asked questions

Is Banco Hipotecario SA (BHIP) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of 252.72 ARS versus a price of 189.00 ARS, about +34% upside (undervalued).
What is the fair value of BHIP?
Our model-based fair value for Banco Hipotecario SA is 252.72 ARS (as of Nov 6, 2026), built from audited fundamentals. The current price: 189.00 ARS.
What is the quality score of BHIP?
Banco Hipotecario SA has a Quality Score of 48/100. 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 Hipotecario SA (BHIP)?
Our model-based price target is the fair value of 252.72 ARS (as of Nov 6, 2026) from 6 valuation models. Cautious scenario 197.57 ARS, optimistic scenario 377.19 ARS. It is a calculation from audited fundamentals, not an analyst target.
What is the Banco Hipotecario SA stock forecast for 2026?
Our models put fair value at 252.72 ARS, about +34% upside versus a price of 189.00 ARS (undervalued). Cautious scenario 197.57 ARS, optimistic scenario 377.19 ARS. The calculation is refreshed regularly with new filings.
What is the revenue of Banco Hipotecario SA (BHIP)?
Banco Hipotecario SA reported trailing-twelve-month revenue of about 515B ARS (latest available figure, as of Nov 6, 2026).
What is the intrinsic value of Banco Hipotecario SA (BHIP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Banco Hipotecario SA it is 252.72 ARS per share (as of Nov 6, 2026), against a price of 189.00 ARS. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Banco Hipotecario SA stock overvalued or undervalued in 2026?
As of Nov 6, 2026, BHIP trades below its calculated fair value: price 189.00 ARS, fair value 252.72 ARS, a gap of about +34% (undervalued). 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 BHIP?
No. The price is what the market pays today (189.00 ARS); the fair value is what the company's own numbers justify (252.72 ARS). For Banco Hipotecario SA the two are 63.72 ARS per share apart. That gap is exactly why we show both numbers side by side.
How much is Banco Hipotecario SA worth?
The market values Banco Hipotecario SA at about 352B ARS (market capitalisation, as of Nov 6, 2026). Per share that is 189.00 ARS; our models calculate a fair value of 252.72 ARS per share.
What do the bullish and bearish scenarios say about BHIP?
Our models span a range for Banco Hipotecario SA: cautious scenario 197.57 ARS, base 252.72 ARS, optimistic 377.19 ARS per share (as of Nov 6, 2026, price 189.00 ARS). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BHIP?
Banco Hipotecario SA trades at a price-to-earnings ratio of 80.9 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 252.72 ARS is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2017 to 2025), reported earnings: 10.0. Other multiples: P/B 0.6, P/S 0.7.
How solid is the balance sheet of Banco Hipotecario SA (BHIP)?
Balance-sheet figures for Banco Hipotecario SA (as of Nov 6, 2026): return on equity 0.1%, debt of 0.01 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is BHIP from its 52-week high?
Banco Hipotecario SA trades at 189.00 ARS, about 68% below its 52-week high of 592.70 ARS and at the low of 189.00 ARS (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 252.72 ARS is for.
Which stocks are comparable to Banco Hipotecario 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 Banco Hipotecario SA stock attractive at the current price?
The data as of Nov 6, 2026: price 189.00 ARS, calculated fair value 252.72 ARS (+34%), Quality Score 48/100, 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 BHIP calculated?
We run Banco Hipotecario 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 252.72 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 13.3% above its aggregate fair value. Banco Hipotecario SA currently trades 25% 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 Hipotecario SA (BHIP)?
The closing price on Nov 6, 2026 was 189.00 ARS. Our model-based fair value is 252.72 ARS, about +34% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banco Hipotecario SA right now?
The large discount to fair value meets weak quality (48/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (197.57 ARS). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (197.57 ARS to 377.19 ARS) leaves room in how you read the outcome.

Key figures of Banco Hipotecario SA

How large is the market capitalisation of Banco Hipotecario SA (BHIP)?
The market capitalisation of Banco Hipotecario SA is 352B ARS (≈ $228M). 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 Hipotecario SA (BHIP)?
The price-to-sales ratio of Banco Hipotecario SA is 4.33 (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 Banco Hipotecario SA (BHIP)?
Earnings per share at Banco Hipotecario SA are 2.90 ARS (price ÷ EPS = P/E 80.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Banco Hipotecario SA (BHIP)?
The net margin of Banco Hipotecario SA is −0.3% (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 Hipotecario SA (BHIP)?
The return on equity (ROE) of Banco Hipotecario SA is 0.1% (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 Hipotecario SA (BHIP)?
On an EBIT basis the return on assets of Banco Hipotecario SA is 2.5% (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 Hipotecario SA (BHIP)?
The operating margin of Banco Hipotecario SA is 14.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Banco Hipotecario SA (BHIP)?
Revenue at Banco Hipotecario SA is growing −3.6% versus a year earlier (3y avg +83.0%). 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 Hipotecario SA (BHIP)?
Earnings per share at Banco Hipotecario SA are growing −71.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Banco Hipotecario SA (BHIP) generate?
The free cash flow of Banco Hipotecario SA is 159B ARS (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Banco Hipotecario SA (BHIP) carry?
The net debt of Banco Hipotecario SA is 2.2B ARS (fiscal year 2021, ≈ 0.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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