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Upturn AI SWOT - About
BMA 
Banco Macro SA B ADR (BMA)
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Upturn Advisory Summary
04/01/2025: BMA (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 305.87% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.85B USD | Price to earnings Ratio 9.96 | 1Y Target Price 116.22 |
Price to earnings Ratio 9.96 | 1Y Target Price 116.22 | ||
Volume (30-day avg) 306151 | Beta 1.34 | 52 Weeks Range 40.94 - 118.42 | Updated Date 04/2/2025 |
52 Weeks Range 40.94 - 118.42 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 28.13% | Basic EPS (TTM) 7.7 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 7.08% | Operating Margin (TTM) 14.62% |
Management Effectiveness
Return on Assets (TTM) 2.23% | Return on Equity (TTM) 7.66% |
Valuation
Trailing PE 9.96 | Forward PE 3.1 | Enterprise Value -1198563000320 | Price to Sales(TTM) - |
Enterprise Value -1198563000320 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 2.08 | Enterprise Value to EBITDA - | Shares Outstanding 62817800 | Shares Floating 221556746 |
Shares Outstanding 62817800 | Shares Floating 221556746 | ||
Percent Insiders - | Percent Institutions 12.36 |
Analyst Ratings
Rating 3.86 | Target Price 81.82 | Buy 2 | Strong Buy 2 |
Buy 2 | Strong Buy 2 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Banco Macro SA B ADR
Company Overview
History and Background
Banco Macro S.A. was founded in 1985. Initially focused on non-banking businesses, it shifted towards banking in the mid-1990s, acquiring several state-owned banks during Argentina's privatization wave. This expansion established it as a major player in Argentina's banking sector, particularly serving the underserved interior regions.
Core Business Areas
- Retail Banking: Offers a range of financial products and services to individual customers, including savings accounts, checking accounts, loans, credit cards, and insurance products.
- Corporate Banking: Provides financial solutions to businesses of all sizes, including loans, lines of credit, trade finance, and cash management services.
- SME Banking: Focuses on providing banking services tailored to the needs of small and medium-sized enterprises (SMEs).
- Investment Banking: Offers services related to underwriting, securities trading and asset management.
Leadership and Structure
As of latest report, Jorge Horacio Brito, serves as Chairman. Gustavo Manrique serves as Chief Executive Officer. The organizational structure consists of various departments and divisions overseeing retail, corporate, and investment banking operations.
Top Products and Market Share
Key Offerings
- Personal Loans: Provides loans for various personal needs. Market share within Argentina estimated at around 10%. Competitors include Banco Nacion and BBVA Argentina.
- Credit Cards: Offers a variety of credit cards with different rewards programs and benefits. Market share estimated at 8%. Competitors include Visa and Mastercard.
- Business Loans: Offer loans tailored for businesses that need funds. Market share estimated at 12%. Competitors include Banco Nacion and Santander.
Market Dynamics
Industry Overview
The Argentine banking industry is characterized by a mix of public and private institutions. It's significantly impacted by Argentina's economic volatility, regulatory environment, and inflationary pressures. The industry is also experiencing increased competition from fintech companies.
Positioning
Banco Macro is one of the largest private banks in Argentina, with a strong focus on serving the interior provinces and SMEs. Its competitive advantage lies in its extensive branch network in these regions and its expertise in navigating the local economic landscape.
Total Addressable Market (TAM)
The total addressable market of the Argentinan financial industry is estimated at approximately 60 billion USD. Banco Macro SA B ADR's is positioned to capture more of this TAM with its business and individual offerings.
Upturn SWOT Analysis
Strengths
- Extensive branch network in underserved regions
- Strong brand recognition in Argentina
- Experience in navigating Argentine economic conditions
- Focus on SME lending
Weaknesses
- Exposure to Argentine economic volatility
- Higher operating costs compared to digital banks
- Regulatory risks in Argentina
- Limited international presence
Opportunities
- Growth in digital banking and fintech adoption in Argentina
- Expansion of SME lending activities
- Increased demand for financial services in underserved regions
- Potential acquisitions of smaller banks or fintech companies
Threats
- Economic instability and currency devaluation in Argentina
- Increased competition from fintech companies
- Changes in government regulations
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BMA
- BBAR
- GGAL
Competitive Landscape
Banco Macro's strength lies in its regional presence, while competitors like BBAR and GGAL have broader product offerings and international exposure.
Major Acquisitions
Banco Privado de Inversiones
- Year: 2006
- Acquisition Price (USD millions): 100
- Strategic Rationale: Strengthen Banco Macro's position in the Argentine financial market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth reflects Argentina's macroeconomic performance. Expansion of their financial offerings and presence helped
Future Projections: Future growth depends on Argentina's economic recovery and Banco Macro's ability to capitalize on digital banking opportunities.
Recent Initiatives: Focus on digital banking and SME lending.
Summary
Banco Macro is a major Argentine bank with a strong presence in the interior regions. Its performance is heavily tied to the Argentine economy, presenting both opportunities and risks. The bank is adapting to the evolving financial landscape by investing in digital banking and focusing on SME lending. Macro's growth potential relies on its ability to navigate Argentina's economic volatility and maintain a competitive edge.
Similar Companies
BBAR
BBVA Banco Frances SA ADR
BBAR
BBVA Banco Frances SA ADR
GGAL
Grupo Financiero Galicia SA ADR
GGAL
Grupo Financiero Galicia SA ADR
IRS
IRSA Inversiones Y Representaciones
IRS
IRSA Inversiones Y Representaciones
Sources and Disclaimers
Data Sources:
- Company reports
- Financial news sources
- Industry research reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Financial data is subject to change. Consult a financial professional before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Banco Macro SA B ADR
Exchange NYSE | Headquaters - | ||
IPO Launch date 2006-03-24 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 9004 | Website https://www.macro.com.ar |
Full time employees 9004 | Website https://www.macro.com.ar | ||
Banco Macro S.A. provides various banking products and services to retail and corporate customers in Argentina. It offers various retail banking products and services, such as savings and checking accounts, time deposits, credit and debit cards, consumer finance loans, mortgage loans, automobile loans, overdrafts, credit-related services, home and car insurance coverage, tax collection, utility payments, automated teller machines, and money transfers. The company also provides personal loans, document discounts, residential mortgages, overdrafts, pledged loans, and credit card loans to retail customers. In addition, it offers corporate banking products and services, including deposits, lending, check cashing advances and factoring, guaranteed loans, credit lines for financing foreign trade, and cash management services; and trust, payroll, and financial agency services, as well as corporate credit cards and other specialty products; and working capital facilities, credit for investment projects, and leasing and foreign trade transactions. Further, the company provides transaction services, such as cash management, collection services, payments to suppliers, payroll services, foreign exchange transactions, and foreign trade services; information services comprising Datanet and Interpymes services to corporate customers; and Internet and mobile banking services. Additionally, it offers short-term and medium-to-long-term corporate lending products. Banco Macro S.A. was incorporated in 1966 and is headquartered in Buenos Aires, Argentina.
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