Discounted Cash Flow
Banco Bbva Argentina S.A. ADR
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Audit / VIE / HFCA: Financial-sector DCF: free cash flow for lenders/insurers includes loan principal and deposits, so FCF ≈ 5-10× net income and is not a valuation proxy; the model shows moderate/unstable predictability and the DCF can be 5-40× market cap (lender pattern).
Sourced live via DEF 14A beneficial_ownership (edgartools proxy) for US filers and 20-F risk_factors (“controls X% of voting power” + VIE/HFCA) for foreign ADRs — cached 12h. A concentrated holder can overrule the DCF’s minority-basis assumptions on dividends, issuance, and delisting.
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
| Dividends | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2017 | $23.6m | $1.7m | $1.7m | 7.2% | $3.34 |
| 2018 | $37.3m (58.1%) | $1.8m (7.2%) | $1.8m (7.2%) | 4.9% (-32.2%) | $-2.43 (-172.8%) |
| 2019 | $75.8m (103.4%) | $11.9m (554.1%) | $23.4m (1183.3%) | 15.8% (221.6%) | $26.16 (1175.8%) |
| 2020 | $78.2m (3.2%) | $11.9m (0.0%) | $-8.8m (-137.4%) | 15.3% (-3.1%) | $16.40 (-37.3%) |
| 2021 | $141.7m (81.2%) | $9.2m (-22.8%) | $68.7m (883.4%) | 6.5% (-57.4%) | $15.34 (-6.5%) |
| 2022 | $1.7b (1130.0%) | $36.6m (296.6%) | $63.8m (-7.2%) | 2.1% (-67.8%) | $96.03 (526.1%) |
| 2023 | $3.6b (107.0%) | $206.8m (465.2%) | $369.0m (478.7%) | 5.7% (173.1%) | $256.01 (166.6%) |
| 2024 | $3.0b (-17.5%) | $291.1m (40.8%) | $1.6b (333.7%) | 9.8% (70.7%) | $588.22 (129.8%) |
| 2025 | $2.0b (-32.3%) | $219.5m (-24.6%) | $517.1m (-67.7%) | 10.9% (11.3%) | $514.34 (-12.6%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
SEC filings report in ARS. Values above are converted to USD for comparison with the US-listed share price.
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Net debt deduction: —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.