Banco Macro S.A. ADR (representing Ten Class B Common Shares) (BMA)
Slow GrowerFairStock Score: 37/100 — MIXED
Key Financials
| Current Price | $70.8 |
| Market Cap | $4.9B |
| P/E Ratio | 17.74 |
| ROE | 5.5% |
| Dividend Yield | 5.46% |
| Sector | Financial Services |
Strengths
- Attractive 5.9% dividend yield providing steady income returns
Concerns
- Revenue declining at 18.8% year-over-year signals potential demand weakness or market share loss
- Weak Piotroski F-Score of 3/9 suggests deteriorating financial quality across multiple dimensions
- Altman Z-Score of 0.1 places it in the financial distress zone—elevated bankruptcy risk
AI Analysis
Banco Macro S.A. ADR (representing Ten Class B Common Shares) is a small-cap financial services company valued at $4.9 billion. The business generates $4.1 trillion in annual revenue with a 2.5% net margin. From a quality standpoint, Banco shows weak Piotroski F-Score of 3/9 signaling deteriorating fundamentals and distressed Altman Z-Score of 0.1 warrants caution. On valuation, the stock is reasonably priced at 21.6x earnings, with offers a 90% margin of safety vs Graham Number of $740. Growth dynamics show revenue growing at -18.8% and profit growth of -127.6%. The 5.9% dividend yield adds an income component for patient holders. Our composite FairStock Score of 37/100 reflects below-average fundamentals overall. Investors should weigh the business quality against the current price and their own margin of safety requirements.
Bull Case
Improving fundamentals and sector tailwinds could drive meaningful earnings growth, compressing the effective multiple for patient investors. Operational leverage in the business model means incremental revenue growth could disproportionately boost bottom-line profitability.
Bear Case
Macro headwinds or sector-specific disruption could pressure margins, particularly if competitive intensity increases in the financial services space. Regulatory changes, input cost inflation, or demand normalization represent underappreciated risks that could materially impact forward estimates.
Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer