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Banco de Valores SA (VALO) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Banco de Valores SA ARS 223, price ARS 547, upside -59.2%, quality 31 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · AR · ISIN ARBVAL3024G2

BD Thin data Sep 23, 2026

Banco de Valores SA

VALO · BA

Weakest SetupStrongly overvalued and low quality.

!Fair value 223.08 ARS · Strongly overvalued (−59%)
!Quality 31/100
!Mixed Growth (revenue YoY −41.7 %/yr)
✓Highly profitable · 22.2% net margin (TTM)
!Low debt · negative free cash flow
!Mixed vs. peers (6/13)
✓Wide moat 69/100
!Evidence only low, so the estimate is less certain
!Weak on dividend: 9 out of 100
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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

733.63 ARS 19.19 ARS Fair Value 223.08 ARS Mar 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range 19.19 ARS – 733.63 ARS · fair‑value band 204.59 ARS – 264.57 ARS · the 546.50 ARS price screens above the 223.08 ARS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

Banco de Valores S.A. provides various services in financial trusts and mutual funds in Argentina. It offers financial trustee services; and advisory services for structuring and placement of financial trusts, as well as shares and debt issuance, and rating services.

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Banco de Valores S.A. provides various services in financial trusts and mutual funds in Argentina. It offers financial trustee services; and advisory services for structuring and placement of financial trusts, as well as shares and debt issuance, and rating services. The company is also involved in the custodian of assets in non-financial trusts for institutional clients; and Open-ended and closed-end mutual funds products. In addition, it engages in the financing operations; and provision of integral settlement and clearing agents services, as well as corporate, API, and investment banking services. The company was incorporated in 1977 and is based in Buenos Aires, Argentina.

Stock analysis

Banco de Valores SA (VALO) currently trades at 546.50 ARS, while our model-based Fair Value estimate is 223.08 ARS, implying the stock looks roughly 145.0% overvalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of 477.18 ARS per share, and 1 of the 6 models we run sit above the 546.50 ARS price.

Bear case: the Dividend Discount group reads lowest at 46.18 ARS, and 5 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: 204.59 ARS (bear) to 264.57 ARS (bull), the price of 546.50 ARS sits above 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 31/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Spin-off in 2024: revenue and profit before it include the divested business. Growth is measured afresh from 2024.

Banco de Valores SA reported revenue of 383B ARS in FY2025 versus 32.4B ARS in FY2021, a compound +85.4%/yr. Reported net income was 56.0B ARS in FY2025, compounding +199.8%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.

Key figures

Market cap 723B ARS (≈ $506M) · P/E ratio 11.6 · P/S ratio 1.70 · EPS (TTM) 47.11 ARS · Dividend yield 0.4% · Net margin 14.6% · Return on equity 16.9% · Return on assets (EBIT) 6.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).

What moves the price

The share trades about 26% below its 52-week high and 94% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −20% fair-value upside, at −59%, VALO screens richer than that median.

Fair Value models

Bear 204.59 ARS Fair Value 223.08 ARS Bull 264.57 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 (34.46 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.
Highest evidence
DDM Multi-Stage 25.82 ARS 46.18 ARS 58.75 ARS 64
Gordon GGM 25.82 ARS 56.37 ARS 94.85 ARS 63
P/E Multiple 476.39 ARS 635.19 ARS 793.98 ARS 63
All 6 models by family
Dividend Discount
Gordon GGM 25.82 ARS 56.37 ARS 94.85 ARS 63
DDM Multi-Stage 25.82 ARS 46.18 ARS 58.75 ARS 64
Multiples
P/E Multiple 476.39 ARS 635.19 ARS 793.98 ARS 63
P/B Multiple 333.47 ARS 444.63 ARS 555.78 ARS 55
Asset-Based
NCAV (Graham) 158.80 ARS 212.79 ARS 317.59 ARS 54
Economic Profit
Residual Income 341.26 ARS 477.18 ARS 1,980 ARS 61

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Quality Score breakdown

Overall quality 31/100

Of which business quality 33 · Market factors (momentum, volatility) 64

Profitability 34
Margins and returns on capital today
Quality Growth 49
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 78
Balance sheet, leverage, solvency risk
Investment 33
Disciplined investing over empire-building
Low Volatility 70
Calm price path (market factor)
Momentum 52
Price trend over the last 3–12 months (market factor)
52W Momentum 77
Distance to the 52-week high (market factor)
Net Issuance 0
Share count: buybacks or dilution?

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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. 55/100
Spin-off in 2024: revenue and profit before it include the divested business. Growth is measured afresh from 2024.
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.
≈ +85.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+84.6%
Dividend (yield on the price)0.4%
Profit margin 2020 to 2025 ⓘ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.35% → 29%
⚠ Approximate: the rate leans on 2025, which sits 127% above its own trend.

VALO screens 145% overvalued. Compare with JPMorgan Chase & Co →

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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 - Diversified · 47 stocks

Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 35 · Bottom 25%
Fair Value upside −59% · Bottom 25%
Profitability
Return on equity (TTM) 17% · Top 25%
Return on assets 2% · Top 25%
Net margin (TTM) 22% · Bottom 25%
Operating margin (TTM) 31% · Bottom 25%
Growth and dividend
Revenue growth 20% · Top 25%
Dividend yield (TTM) 0.4% · Bottom 25%
Balance sheet
Debt / equity 0.12× · Lowest 25%

Valuation Multiplesvs Banks - Diversified median · lower = cheaper

P/E (TTM) 11.6× · Cheaper than median
P/B 1.99× · Pricier than median
P/S (TTM) 3.03× · Cheapest 25%
EV/EBITDA 19.8× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 0
FUTURE (revenue growth)98 · sector 25
PAST (return on equity)67 · sector 41
HEALTH (low debt)94 · sector 48
DIVIDEND (yield)9 · sector 73

VALUE 0: the price sits above our fair-value range.

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 - Diversified stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
JPMorgan Chase & Co JPM $340.00 $192.16 −43%
Bank of America Corporation BAC $56.20 $41.70 −26%
China Construction Bank Corporation 601939 ¥10.92 ¥13.69 +25%
Industrial and Commercial Bank of China Limited 601398 ¥8.12 ¥10.93 +35%
Agricultural Bank of China Limited 601288 ¥6.88 ¥12.94 +88%
Royal Bank of Canada RY $203.83 $130.85 −36%
Bank of China Limited 601988 ¥6.65 ¥9.86 +48%
Wells Fargo & Company WFC $83.15 $66.02 −21%
Mitsubishi UFJ Financial Group MUFG $23.09 $14.62 −37%
Citigroup Inc C $132.47 $105.36 −20%

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Banco de Valores SA · Fair Value
223.08 ARS −145%Fair Value
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Cite: Fair Value Calculator (2026). "Banco de Valores SA Fair Value". https://www.fairvalue-calculator.com/stock/VALO

Frequently asked questions

Is Banco de Valores SA (VALO) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of 223.08 ARS versus a price of 546.50 ARS, about −59% upside (overvalued).
What is the fair value of VALO?
Our model-based fair value for Banco de Valores SA is 223.08 ARS (as of Sep 23, 2026), built from audited fundamentals. The current price: 546.50 ARS.
What is the quality score of VALO?
Banco de Valores SA has a Quality Score of 31/100. 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 de Valores SA (VALO)?
Our model-based price target is the fair value of 223.08 ARS (as of Sep 23, 2026) from 6 valuation models. Cautious scenario 204.59 ARS, optimistic scenario 264.57 ARS. It is a calculation from audited fundamentals, not an analyst target.
What is the Banco de Valores SA stock forecast for 2026?
Our models put fair value at 223.08 ARS, about −59% upside versus a price of 546.50 ARS (overvalued). Cautious scenario 204.59 ARS, optimistic scenario 264.57 ARS. The calculation is refreshed regularly with new filings.
What is the revenue of Banco de Valores SA (VALO)?
Banco de Valores SA reported trailing-twelve-month revenue of about 238B ARS (latest available figure, as of Sep 23, 2026).
Does Banco de Valores SA pay a dividend?
Banco de Valores SA currently shows a dividend yield of about 0.43% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of Banco de Valores SA (VALO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Banco de Valores SA it is 223.08 ARS per share (as of Sep 23, 2026), against a price of 546.50 ARS. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Banco de Valores SA stock overvalued or undervalued in 2026?
As of Sep 23, 2026, VALO trades above its calculated fair value: price 546.50 ARS, fair value 223.08 ARS, a gap of about −59% (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 VALO?
No. The price is what the market pays today (546.50 ARS); the fair value is what the company's own numbers justify (223.08 ARS). For Banco de Valores SA the two are 323.42 ARS per share apart. That gap is exactly why we show both numbers side by side.
How much is Banco de Valores SA worth?
The market values Banco de Valores SA at about 723B ARS (market capitalisation, as of Sep 23, 2026). Per share that is 546.50 ARS; our models calculate a fair value of 223.08 ARS per share.
What do the bullish and bearish scenarios say about VALO?
Our models span a range for Banco de Valores SA: cautious scenario 204.59 ARS, base 223.08 ARS, optimistic 264.57 ARS per share (as of Sep 23, 2026, price 546.50 ARS). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of VALO?
Banco de Valores SA trades at a price-to-earnings ratio of 11.6 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 223.08 ARS is built from several models across several years. Other multiples: P/B 2.0, P/S 3.0, EV/EBITDA 19.8.
How solid is the balance sheet of Banco de Valores SA (VALO)?
Balance-sheet figures for Banco de Valores SA (as of Sep 23, 2026): return on equity 16.9%, debt of 0.12 per unit of equity. They feed the Quality Score of 31/100, which measures business quality independently of the share price.
How far is VALO from its 52-week high?
Banco de Valores SA trades at 546.50 ARS, about 26% below its 52-week high of 733.63 ARS and 94% above the low of 282.29 ARS (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 223.08 ARS is for.
Which stocks are comparable to Banco de Valores SA?
From the same area (Financial Services) we also value JPMorgan Chase & Co, Bank of America Corporation, China Construction Bank Corporation, Industrial and Commercial Bank of China 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 de Valores SA stock attractive at the current price?
The data as of Sep 23, 2026: price 546.50 ARS, calculated fair value 223.08 ARS (−59%), Quality Score 31/100, 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 VALO calculated?
We run Banco de Valores 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 223.08 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 de Valores 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 de Valores SA (VALO)?
The closing price on Sep 23, 2026 was 546.50 ARS. Our model-based fair value is 223.08 ARS, about −59% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banco de Valores SA right now?
The price sits above even our optimistic bull case (264.57 ARS). The favourable scenario is already priced in. Weak quality (31/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. 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 de Valores SA

How large is the market capitalisation of Banco de Valores SA (VALO)?
The market capitalisation of Banco de Valores SA is 723B ARS (≈ $506M). 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 de Valores SA (VALO)?
The price-to-sales ratio of Banco de Valores SA is 1.70 (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 de Valores SA (VALO)?
Earnings per share at Banco de Valores SA are 47.11 ARS (price ÷ EPS = P/E 11.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Banco de Valores SA (VALO)?
The dividend yield of Banco de Valores SA is 0.4% (payout 4.9%). 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 de Valores SA (VALO)?
The net margin of Banco de Valores SA is 14.6% (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 de Valores SA (VALO)?
The return on equity (ROE) of Banco de Valores SA is 16.9% (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 de Valores SA (VALO)?
On an EBIT basis the return on assets of Banco de Valores SA is 6.1% (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 de Valores SA (VALO)?
The operating margin of Banco de Valores SA is 30.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Banco de Valores SA (VALO)?
Revenue at Banco de Valores SA is growing +19.6% versus a year earlier (3y avg +77.2%). 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 de Valores SA (VALO)?
Earnings per share at Banco de Valores SA are growing −28.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Banco de Valores SA (VALO) generate?
The free cash flow of Banco de Valores SA is −168B 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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