Banco de Valores S.A (VALO) Fair Value & Analysis
Financial Services · AR · Market cap 723B ARS
Fair value as of: Jul 27, 2026
From 6 valuation models · updated 14 days ago
Share price −7.2% over the past month.
Below-average quality, and screening another 14% overvalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from 404.93 ARS (bear) to 674.88 ARS (bull), base 539.91 ARS. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 31/100 (below-average quality) with high evidence: the data supports the verdict.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.
How to read this chart
60‑month range 19.19 ARS – 733.63 ARS · fair‑value band 404.93 ARS – 674.88 ARS · the 630.50 ARS price screens above the 539.91 ARS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.
Analysis
Banco de Valores S.A (VALO) currently trades at 630.50 ARS, while our model-based Fair Value estimate is 539.91 ARS, implying the stock looks roughly 14.4% overvalued today. The Quality Score stands at 31/100 (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 de Valores S.A generated revenue of 238B ARS at a net margin of 22.2%. Revenue grew 19.6% year over year. It earns a return on equity of 16.9%. The stock trades on a trailing P/E of 13.4. Fundamentals as of Jul 27, 2026
Our scenario range runs from 404.93 ARS (bear case) to 674.88 ARS (bull case); at 630.50 ARS, the current price sits within 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 15% below its 52-week high and 177% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 16% fair-value upside, at -14%, VALO 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: Economic Profit (477.18 ARS) versus Dividend Discount (46.18 ARS). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 33 · Market factors (momentum, volatility) 77
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 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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Banco de Valores S.A 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.
VALO screens 14% overvalued. Compare with JPMorgan Chase & Co →
Peer Group
Banks - Diversified · 47 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 - Diversified 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.
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 - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| JPMorgan Chase & Co JPM | $341.10 | $278.99 | -18% |
| Bank of America Corporation BAC | $59.67 | $55.89 | -6% |
| China Construction Bank Corporation 601939 | ¥10.16 | ¥17.20 | +69% |
| Industrial and Commercial Bank of China Limited 601398 | ¥7.50 | ¥13.44 | +79% |
| HSBC Holdings HSBC | $100.52 | $84.67 | -16% |
| Agricultural Bank of China Limited 601288 | ¥6.37 | ¥11.85 | +86% |
| Royal Bank of Canada RY | C$305.74 | C$190.48 | -38% |
| Bank of China Limited 601988 | ¥5.88 | ¥9.80 | +67% |
| Wells Fargo & Company WFCS | C$23.58 | C$27.40 | +16% |
| Banco Santander, S.A SAN | 51.02 PLN | 55.60 PLN | +9% |
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Frequently asked questions
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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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