Banco Hipotecario SA (BHIP) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Banco Hipotecario SA ARS 249, price ARS 289, upside -13.6%, quality 46 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Banco Hipotecario SA for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 7.09 ARS – 624.00 ARS · fair‑value band 188.60 ARS – 296.04 ARS · the 288.50 ARS price screens above the 249.32 ARS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
Follow Banco Hipotecario in your weekly email
Every Wednesday you see whether Banco Hipotecario is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
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.
Show more
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.
Stock analysis
Banco Hipotecario SA (BHIP) currently trades at 288.50 ARS, while our model-based Fair Value estimate is 249.32 ARS, implying the stock looks roughly 15.7% overvalued today.
Show more
Valuation
Bull case: the Dividend Discount group reads highest at a median of 489.67 ARS per share, and 2 of the 6 models we run sit above the 288.50 ARS price.
Bear case: the Multiples group reads lowest at 218.25 ARS, and 4 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: 188.60 ARS (bear) to 296.04 ARS (bull), the price of 288.50 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 46/100 (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 540B ARS (≈ $378M) · P/E ratio 18.1 · P/S ratio 0.97 · EPS (TTM) 19.89 ARS · Dividend yield 10.6% · Net margin 5.4% · Return on equity 5.1% · Return on assets (EBIT) 2.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).
What moves the price
The share trades about 51% below its 52-week high and 42% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −14%, BHIP screens cheaper than that median.
Fair Value models
Bear 188.60 ARSFair Value 249.32 ARSBull 296.04 ARS
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (14.60 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.Evidence ⓘEvidence = 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.
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%
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
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.
+89.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+79.1%
Dividend (yield on the price)10.6%
Profit margin 2015 to 2019 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.31% → −2%
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
Price, fair value, quality and upside side by side.
Free, no sign-up
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 · 1074 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score47 · Below median
Fair Value upside−14% · Above median
Profitability
Return on equity (TTM)5% · Bottom 25%
Return on assets1% · Below median
Net margin (TTM)6% · Bottom 25%
Operating margin (TTM)−12% · Bottom 25%
Growth and dividend
Revenue growth53% · Top 25%
Dividend yield (TTM)10.6% · Top 25%
Balance sheet
Debt / equity0.01× · Lowest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
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 Sep 24, 2026, our model estimates a fair value of 249.32 ARS versus a price of 288.50 ARS, about −14% upside (overvalued).
What is the fair value of BHIP?
Our model-based fair value for Banco Hipotecario SA is 249.32 ARS (as of Sep 24, 2026), built from audited fundamentals. The current price: 288.50 ARS.
What is the quality score of BHIP?
Banco Hipotecario SA has a Quality Score of 46/100. 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 249.32 ARS (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 188.60 ARS, optimistic scenario 296.04 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 249.32 ARS, about −14% upside versus a price of 288.50 ARS (overvalued). Cautious scenario 188.60 ARS, optimistic scenario 296.04 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 520B ARS (latest available figure, as of Sep 24, 2026).
Does Banco Hipotecario SA pay a dividend?
Banco Hipotecario SA currently shows a dividend yield of about 10.64% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Banco Hipotecario SA (BHIP)?
For today's price to be fair in a discounted-cash-flow model, Banco Hipotecario SA would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 19.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +89.7 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of BHIP use?
Our models discount Banco Hipotecario SA at 19.2 %: a base by market capitalisation (small), damped by beta 0.45, country premium for Argentina. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Banco Hipotecario SA that is less than minus 40 % per year a year over ten years, using the same discount rate (19.2 %) and the same formula as our fair value.
How much growth has Banco Hipotecario SA (BHIP) delivered so far?
Over the past 5 years revenue at Banco Hipotecario SA grew +89.7 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Banco Hipotecario SA (BHIP) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Banco Hipotecario SA (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Banco Hipotecario SA (BHIP)?
The free-cash-flow yield on the price is 36.81 %: that much free cash flow Banco Hipotecario SA produces per unit of market value. When it exceeds the discount rate of our models (19.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 249.32 ARS per share (as of Sep 24, 2026), against a price of 288.50 ARS. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Banco Hipotecario SA stock overvalued or undervalued in 2026?
As of Sep 24, 2026, BHIP trades above its calculated fair value: price 288.50 ARS, fair value 249.32 ARS, a gap of about −14% (overvalued). 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 (288.50 ARS); the fair value is what the company's own numbers justify (249.32 ARS). For Banco Hipotecario SA the two are 39.18 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 540B ARS (market capitalisation, as of Sep 24, 2026). Per share that is 288.50 ARS; our models calculate a fair value of 249.32 ARS per share.
What do the bullish and bearish scenarios say about BHIP?
Our models span a range for Banco Hipotecario SA: cautious scenario 188.60 ARS, base 249.32 ARS, optimistic 296.04 ARS per share (as of Sep 24, 2026, price 288.50 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 18.1 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 249.32 ARS is built from several models across several years. Other multiples: P/B 0.9, P/S 1.0.
How solid is the balance sheet of Banco Hipotecario SA (BHIP)?
Balance-sheet figures for Banco Hipotecario SA (as of Sep 24, 2026): return on equity 5.1%, debt of 0.01 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is BHIP from its 52-week high?
Banco Hipotecario SA trades at 288.50 ARS, about 51% below its 52-week high of 592.70 ARS and 42% above the low of 203.00 ARS (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 249.32 ARS is for.
Which stocks are comparable to Banco Hipotecario SA?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 24, 2026: price 288.50 ARS, calculated fair value 249.32 ARS (−14%), Quality Score 46/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 249.32 ARS, 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 14.1 % above its aggregate fair value. Banco Hipotecario SA itself currently trades above fair value. 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 Sep 23, 2026 was 288.50 ARS. Our model-based fair value is 249.32 ARS, about −14% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banco Hipotecario SA right now?
Solid but not exceptional quality (46/100) and above fair value, neither a clear bargain nor a standout compounder. 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 Hipotecario SA
How large is the market capitalisation of Banco Hipotecario SA (BHIP)?
The market capitalisation of Banco Hipotecario SA is 540B ARS (≈ $378M). 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 0.97 (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 19.89 ARS (price ÷ EPS = P/E 18.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Banco Hipotecario SA (BHIP)?
The dividend yield of Banco Hipotecario SA is 10.6% (payout 154%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Banco Hipotecario SA (BHIP)?
The net margin of Banco Hipotecario SA is 5.4% (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 Banco Hipotecario SA (BHIP)?
The return on equity (ROE) of Banco Hipotecario SA is 5.1% (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 −12.2% (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 +52.5% 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 −53.6% versus a year earlier. How much earnings per share grew versus a year earlier.
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.
Free · no account needed
Watch Banco Hipotecario SA in the live analysis
One click puts Banco Hipotecario SA on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
