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Stock profile

Banco Pan S.A. (BPAN4.SA)

Country: BrazilSector: Financial ServicesIndustry: Banks - RegionalExchange: SAO

Delisted · last close 23 Jan 2026

Current price
12.75 BRL+0.31%
Last close 23 Jan 2026
Benchmarks

Key financial summary

Financials in BRL
201920202021202220232024TTM
Total net revenueBRL bn6689101111
Operating profitBRL bn11
Net profitBRL bn1111111
EPS reportedBRL0.620.58
Operating cashflow per shareBRL-0.561.51
Capex per shareBRL0.130.04
FCF per shareBRL-0.691.46
Free cash flowBRL bn-14
Net debtBRL bn211
Book value equityBRL bn88
Book value per shareBRL6.746.08
Number of sharesm1,250.81,250.57
DPS (TTM paid)BRL0.240.24

Financial summary

Financials in BRL
201920202021202220232024TTM
Value
P/E TTMx10.2321.98
P/B LTMx0.940.99
P/S LTMx0.710.66
P/FCF LTMx-9.221.89
EV/EBITDA LTMx9.0420.67
EV/Sales LTMx0.571.62
Earnings Yield LTM%9.78%4.55%
FCF Yield%-10.84%52.79%
Quality
ROE%9.16%6.20%
ROIC%2.29%2.09%
Operating margin%4.69%7.30%
Gross margin%65.69%58.27%
FCF/Sales%-5.07%19.82%
Growth and momentum
EPS Growth YoY%+138.46%-4.92%
Sales Growth YoY%+13.07%+1.48%
Net Income Growth YoY%+11.10%-5.41%
FCF Growth%--
Operating Profit Growth%-6.54%-27.40%
Dividend and capital structure
Dividend Yield%3.44%1.89%
Dividend Growth%+12.26%-
Payout Ratio%35.36%41.67%
FCF/Debtx-0.170.33
Net Debt/EBITDAx1.6814.54
EBIT/Net interestx0.140.17
Net debt/market cap%22.84%144.77%
Net debt/Equityx0.211.44
Gross debt/equityx0.591.60

Company overview

Banco Pan S.A., along with its affiliated entities, functions as a medium-sized financial services provider within Brazil. The institution offers a range of credit facilities, including payroll-deducted loans, financing for vehicle purchases, and credit card services. Additionally, its portfolio extends to consortium management, various insurance products, and the securitization of both real estate and agricultural credit receivables. For investors, Banco Pan presents diverse options such as certificates of bank deposits, real estate and agribusiness letters of credit, financial bills, interbank deposit accounts, and Eurobonds. Its broad array of products and services is accessible through a network comprising correspondent banks, authorized dealerships, retailers specializing in new and pre-owned vehicles, and strategic real estate partnerships. The bank also operates 60 service branches. Headquartered in São Paulo, Brazil, this entity adopted its current name, Banco Pan S.A., in August 2014, having previously been known as Banco Panamericano S.A.

WebsiteN/A
IndustryBanks - Regional
CountryBrazil
Trades inBRL

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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.

Delisted · last close 23 Jan 2026

Banco Pan S.A. (BPAN4.SA)

BPAN4.SA · SAO · Financial Services
12.75 BRL+0.31%
Benchmarks
Financialsin BRL
20232024TTM
About

Banco Pan S.A., along with its affiliated entities, functions as a medium-sized financial services provider within Brazil. The institution offers a range of credit facilities, including payroll-deducted loans, financing for vehicle purchases, and credit card services. Additionally, its portfolio extends to consortium management, various insurance products, and the securitization of both real estate and agricultural credit receivables. For investors, Banco Pan presents diverse options such as certificates of bank deposits, real estate and agribusiness letters of credit, financial bills, interbank deposit accounts, and Eurobonds. Its broad array of products and services is accessible through a network comprising correspondent banks, authorized dealerships, retailers specializing in new and pre-owned vehicles, and strategic real estate partnerships. The bank also operates 60 service branches. Headquartered in São Paulo, Brazil, this entity adopted its current name, Banco Pan S.A., in August 2014, having previously been known as Banco Panamericano S.A.

IndustryBanks - Regional
CountryBrazil
Trades inBRL

For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.

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