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Banco Pan S.A. (BPAN4.SA)
Key financial summary
Financials in BRL| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | BRL bn | 6 | 6 | 8 | 9 | 10 | 11 | 11 |
| Operating profit | BRL bn | 1 | 1 | |||||
| Net profit | BRL bn | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| EPS reported | BRL | 0.62 | 0.58 | |||||
| Operating cashflow per share | BRL | -0.56 | 1.51 | |||||
| Capex per share | BRL | 0.13 | 0.04 | |||||
| FCF per share | BRL | -0.69 | 1.46 | |||||
| Free cash flow | BRL bn | -1 | 4 | |||||
| Net debt | BRL bn | 2 | 11 | |||||
| Book value equity | BRL bn | 8 | 8 | |||||
| Book value per share | BRL | 6.74 | 6.08 | |||||
| Number of shares | m | 1,250.8 | 1,250.57 | |||||
| DPS (TTM paid) | BRL | 0.24 | 0.24 |
Financial summary
Financials in BRL| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 10.23 | 21.98 | |||||
| P/B LTM | x | 0.94 | 0.99 | |||||
| P/S LTM | x | 0.71 | 0.66 | |||||
| P/FCF LTM | x | -9.22 | 1.89 | |||||
| EV/EBITDA LTM | x | 9.04 | 20.67 | |||||
| EV/Sales LTM | x | 0.57 | 1.62 | |||||
| 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/Debt | x | -0.17 | 0.33 | |||||
| Net Debt/EBITDA | x | 1.68 | 14.54 | |||||
| EBIT/Net interest | x | 0.14 | 0.17 | |||||
| Net debt/market cap | % | 22.84% | 144.77% | |||||
| Net debt/Equity | x | 0.21 | 1.44 | |||||
| Gross debt/equity | x | 0.59 | 1.60 | |||||
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.
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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.
Banco Pan S.A. (BPAN4.SA)
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.
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