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

As of Nov 6, 2026: fair value (intrinsic value) of Banco de Valores SA stock ARS 201, price ARS 531, that is 62.2% below the price, quality 36 out of 100. Rating: strongly overvalued. 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 ARBVAL3024G2

BD Banco de Valores SA logo Thin data Nov 8, 2026

Banco de Valores SA

VALO · BA
Very expensive, weak quality

Our calculation puts a fair price 62% below what the stock costs today.

Highly profitable · 21.9% net margin (TTM)
Revenue last quarter +49% vs. a year ago.
Mixed Growth (revenue YoY −41.7 %/yr in ARS)
Mixed vs. peers (7/13)
Wide moat 71/100 · thin data
Fair value 200.74 ARS · Strongly overvalued (−62.2%)
Quality 36/100
Thin data
⚠ Dilution
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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 19.45 ARS Fair Value 200.74 ARS May 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range 19.45 ARS – 733.63 ARS · fair‑value band 193.19 ARS – 233.74 ARS · the 531.00 ARS price screens above the 200.74 ARS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 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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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 531.00 ARS, while our model-based Fair Value estimate is 200.74 ARS, 62% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 502.26 ARS per share, and 1 of the 6 models we run sit above the 531.00 ARS price.

Bear case: the Asset-Based group reads lowest at 176.75 ARS, and 5 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: 193.19 ARS (bear) to 233.74 ARS (bull), the price of 531.00 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 36/100 (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 609B ARS (≈ $394M) Small · P/E ratio 9.2 · P/S ratio 2.24 · EPS (TTM) 57.73 ARS · Dividend yield 0.5% · Net margin 21.9% · Return on equity 17.2% · Return on assets (EBIT) 6.1% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 71 out of 100 (low confidence).

What moves the price

The share trades about 28% below its 52-week high and 23% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −62%, VALO screens richer than that median.

Fair Value models

Bear 193.19 ARS Fair Value 200.74 ARS Bull 233.74 ARS
Price 531.00 ARS · Downside -62.2%
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 (49.35 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 227.28 ARS 236.16 ARS 274.99 ARS 76
Gordon GGM 11.94 ARS 16.38 ARS 18.71 ARS 69
DDM Multi-Stage 11.94 ARS 16.93 ARS 17.79 ARS 67
All 6 models by family
Dividend Discount
Gordon GGM 11.94 ARS 16.38 ARS 18.71 ARS 69
DDM Multi-Stage 11.94 ARS 16.93 ARS 17.79 ARS 67
Multiples
P/E Multiple 476.39 ARS 635.19 ARS 793.98 ARS 63
P/B Multiple 277.00 ARS 369.33 ARS 461.67 ARS 55
Asset-Based
NCAV (Graham) 131.90 ARS 176.75 ARS 263.81 ARS 54
Economic Profit
Residual Income 227.28 ARS 236.16 ARS 274.99 ARS 76

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 36/100

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

Profitability 34
How much profit the company makes from its sales and capital
Quality Growth 52
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 78
Debt, balance sheet and risk of trouble
Investment 33
Does it invest with discipline instead of growing at any price?
Low Volatility 72
How calm the share price moves, does not count
Price momentum 53
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 80
Distance to the 52-week high, does not count
New shares 0
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. 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.
≈ +85.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+84.6%
Dividend (yield on the price)0.5%
⚠ Approximate: the rate leans on 2025, which sits 127% above its own trend.

VALO screens overvalued: fair value 62% below the price. 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 · 46 stocks

Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 36 · Bottom 25%
Fair Value upside −62.2% · Bottom 25%
Profitability
Return on equity (12 months) 17.2% · Top 25%
Return on assets 2.7% · Top 25%
Net margin (12 months) 21.9% · Bottom 25%
Operating margin (12 months) 40.5% · Below median
Growth and dividend
Revenue growth (quarter YoY) 49.1% · Top 25%
Dividend yield (12 months) 0.5% · Bottom 25%
Balance sheet
Debt / equity 0.12× · Lowest 25%

Valuation Multiplesvs Banks - Diversified median · lower = cheaper

P/E (12 months) 9.2× · Cheapest 25%
P/B 1.67× · Pricier than median
P/S (12 months) 2.24× · Cheapest 25%
EV/EBITDA 2.0× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 0
FUTURE (revenue growth)100 · sector 34
PAST (return on equity)69 · sector 47
HEALTH (low debt)–
DIVIDEND (yield)11 · sector 68

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

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

Stock Price Fair Value vs Fair Value Compare
Agricultural Bank of China Limited 601288 ¥7.28 ¥9.14 +26% vs VALO
Industrial and Commercial Bank of China Limited 601398 ¥8.44 ¥10.52 +25% vs VALO
Bank of China Limited 601988 ¥6.85 ¥7.73 +13% vs VALO
China Construction Bank Corporation 601939 ¥11.91 ¥13.33 +12% vs VALO
Bank of America Corporation BAC $49.42 $42.16 −15% vs VALO
Citigroup Inc C $119.05 $96.55 −19% vs VALO
Wells Fargo & Company WFC $83.94 $66.59 −21% vs VALO
Mitsubishi UFJ Financial Group MUFG $20.97 $14.73 −30% vs VALO
Royal Bank of Canada RY $201.16 $132.82 −34% vs VALO
JPMorgan Chase & Co JPM $334.49 $187.04 −44% vs VALO

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Banco de Valores SA: fair value per Fair Value Calculator

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 Nov 8, 2026, our model estimates a fair value of 200.74 ARS versus a price of 531.00 ARS, about 62% lower (overvalued).
What is the fair value of VALO?
Our model-based fair value for Banco de Valores SA is 200.74 ARS (as of Nov 8, 2026), built from audited fundamentals. The current price: 531.00 ARS.
What is the quality score of VALO?
Banco de Valores SA has a Quality Score of 36/100. 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 200.74 ARS (as of Nov 8, 2026) from 6 valuation models. Cautious scenario 193.19 ARS, optimistic scenario 233.74 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 200.74 ARS, about 62% lower versus a price of 531.00 ARS (overvalued). Cautious scenario 193.19 ARS, optimistic scenario 233.74 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 272B ARS (latest available figure, as of Nov 8, 2026).
Does Banco de Valores SA pay a dividend?
Banco de Valores SA currently shows a dividend yield of 0.53% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Banco de Valores SA (VALO)?
Banco de Valores SA has a dividend yield of 0.5%.
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 200.74 ARS per share (as of Nov 8, 2026), against a price of 531.00 ARS. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Banco de Valores SA stock overvalued or undervalued in 2026?
As of Nov 8, 2026, VALO trades above its calculated fair value: price 531.00 ARS, fair value 200.74 ARS, a gap of about −62% (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 (531.00 ARS); the fair value is what the company's own numbers justify (200.74 ARS). For Banco de Valores SA the two are 330.26 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 609B ARS (market capitalisation, as of Nov 8, 2026). Per share that is 531.00 ARS; our models calculate a fair value of 200.74 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 193.19 ARS, base 200.74 ARS, optimistic 233.74 ARS per share (as of Nov 8, 2026, price 531.00 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 9.2 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 200.74 ARS is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2017 to 2025), reported earnings: 12.0. Other multiples: P/B 1.7, P/S 2.2, EV/EBITDA 2.0.
How solid is the balance sheet of Banco de Valores SA (VALO)?
Balance-sheet figures for Banco de Valores SA (as of Nov 8, 2026): return on equity 17.2%, debt of 0.12 per unit of equity. They feed the Quality Score of 36/100, which measures business quality independently of the share price.
How far is VALO from its 52-week high?
Banco de Valores SA trades at 531.00 ARS, about 28% below its 52-week high of 733.63 ARS and 23% above the low of 431.66 ARS (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 200.74 ARS is for.
Which stocks are comparable to Banco de Valores SA?
From the same area (Financial Services) we also value JPMorgan Chase & Co, China Construction Bank Corporation, Industrial and Commercial Bank of China Limited, Agricultural 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 Nov 8, 2026: price 531.00 ARS, calculated fair value 200.74 ARS (−62%), Quality Score 36/100, 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 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 200.74 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 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 Nov 6, 2026 was 531.00 ARS. Our model-based fair value is 200.74 ARS, about 62% lower (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 (233.74 ARS). The favourable scenario is already priced in. Weak quality (36/100) 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 609B ARS (≈ $394M). 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 2.24 (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 de Valores SA (VALO)?
Earnings per share at Banco de Valores SA are 57.73 ARS (price ÷ EPS = P/E 9.2). 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 0.5% (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 21.9% (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 de Valores SA (VALO)?
The return on equity (ROE) of Banco de Valores SA is 17.2% (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 40.5% (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 +49.1% 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 +18.7% 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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