Accede al análisis completo con tu suscripción
Últimos 20 reportes · 10-K · 10-K/A · 10-Q · 8-K · Fuente: SEC EDGAR
Accede al análisis completo con tu suscripción
SEC CIK: 0001818874
Consenso de Analistas
Precio Objetivo — 12 meses
$12.00
Mínimo
-30.6%
$18.00
Mediana
+4.2%
$20.58
Promedio
+19.1%
$30.00
Máximo
+73.6%
| Métrica | LTM mar 26 | 2025 | 2024 | 2023 | 🔒Premium | 🔒Premium | 🔒Premium | 🔒Premium |
|---|---|---|---|---|---|---|---|---|
| ESTADO DE RESULTADOS | ||||||||
| Ingresos Totales | 3.942B | 3.613B | 2.675B | 2.123B | 🔒 | 🔒 | 🔒 | 🔒 |
| Ingreso Neto Intereses (NII) | 2.413B | 2.219B | 1.716B | 1.262B | 🔒 | 🔒 | 🔒 | 🔒 |
| Ingresos No Financieros | 1.529B | 1.394B | 958.378M | 861.049M | 🔒 | 🔒 | 🔒 | 🔒 |
| Gastos Operativos | 3.263B | 3.057B | 2.410B | 2.369B | 🔒 | 🔒 | 🔒 | 🔒 |
| PPNR (Ingr. Pre-Provisión) | 679.163M | 556.176M | 265.057M | -246.213M | 🔒 | 🔒 | 🔒 | 🔒 |
| Provisiones Crediticias | 262.000K | 698.000K | 3.685M | 773.000K | 🔒 | 🔒 | 🔒 | 🔒 |
| Stock-Based Compensation | 270.314M | 262.058M | 246.152M | 271.216M | 🔒 | 🔒 | 🔒 | 🔒 |
| Beneficio Antes de Impuestos | 645.627M | 525.857M | 233.345M | -301.158M | 🔒 | 🔒 | 🔒 | 🔒 |
| Impuestos | 68.692M | 44.537M | -265.320M | -416.000K | 🔒 | 🔒 | 🔒 | 🔒 |
| Beneficio Neto | 576.935M | 481.320M | 498.665M | -300.742M | 🔒 | 🔒 | 🔒 | 🔒 |
| Beneficio a Comunes | 576.935M | 481.320M | 479.136M | -341.167M | 🔒 | 🔒 | 🔒 | 🔒 |
| EPS Diluido | 0.45 | 0.39 | 0.39 | -0.36 | 🔒 | 🔒 | 🔒 | 🔒 |
| CARTERA DE CRÉDITO Y FONDEO | ||||||||
| Reservas Crediticias (ACL) | 51.934M | 50.934M | 46.684M | 54.695M | 🔒 | 🔒 | 🔒 | 🔒 |
| Receivables / Préstamos Netos | 1.381B | 1.517B | 1.246B | 836.159M | 🔒 | 🔒 | 🔒 | 🔒 |
| BALANCE | ||||||||
| Cash & Equivalentes | 3.401B | 4.929B | 2.538B | 3.085B | 🔒 | 🔒 | 🔒 | 🔒 |
| Inversiones (AFS) | 3.040B | 2.448B | 1.798B | 594.548M | 🔒 | 🔒 | 🔒 | 🔒 |
| FLUJO DE CAJA Y RETORNO AL ACCIONISTA | ||||||||
| Cash Flow Operativo (CFO) | -6.079B | -3.742B | -1.120B | -7.227B | 🔒 | 🔒 | 🔒 | 🔒 |
| Capex | 257.391M | 242.444M | 154.265M | 111.409M | 🔒 | 🔒 | 🔒 | 🔒 |
| Free Cash Flow (FCF) | ||||||||
| RATIOS | ||||||||
| ROE | 5.3% | 5.7% | 8.2% | -6.5% | 🔒 | 🔒 | 🔒 | 🔒 |
| ROTCE (calc.) | 6.3% | 7.0% | 11.5% | -10.3% | 🔒 | 🔒 | 🔒 | 🔒 |
| ROA | ||||||||
Cifras en miles de millones (B) · Ratios en % · EPS Visa vía Yahoo Finance · Fuente: SEC/EDGAR
| Préstamos Held-for-Sale (FV) |
| 25.455B |
| 22.863B |
| 17.685B |
| 15.397B |
| 🔒 |
| 🔒 |
| 🔒 |
| 🔒 |
| Depósitos Totales | 40.243B | 37.505B | 25.978B | 18.621B | 🔒 | 🔒 | 🔒 | 🔒 |
| Activo Total |
| 53.698B |
| 50.660B |
| 36.251B |
| 30.075B |
| 🔒 |
| 🔒 |
| 🔒 |
| 🔒 |
| Pasivo Total | 42.887B | 40.171B | 29.726B | 24.520B | 🔒 | 🔒 | 🔒 | 🔒 |
| Goodwill | 1.394B | 1.394B | 1.394B | 1.394B | 🔒 | 🔒 | 🔒 | 🔒 |
| Intangibles | 215.087M | 231.919M | 297.794M | 364.048M | 🔒 | 🔒 | 🔒 | 🔒 |
| OCI Acumulado (AOCI) | -2.743M | 10.979M | -8.365M | -1.209M | 🔒 | 🔒 | 🔒 | 🔒 |
| Deuda a Largo Plazo | 1.813B | 1.815B | 3.093B | 5.233B | 🔒 | 🔒 | 🔒 | 🔒 |
| Deuda Total | 1.813B | 1.815B | 3.093B | 5.233B | 🔒 | 🔒 | 🔒 | 🔒 |
| Patrimonio Neto | 10.812B | 10.489B | 6.525B | 5.235B | 🔒 | 🔒 | 🔒 | 🔒 |
| TBV (Tangible Común) | 9.203B | 8.864B | 4.834B | 3.477B | 🔒 | 🔒 | 🔒 | 🔒 |
| TBV por Acción | $7.17 | — | — | — | 🔒 | 🔒 | 🔒 | 🔒 |
| -6.336B |
| -3.985B |
| -1.274B |
| -7.339B |
| 🔒 |
| 🔒 |
| 🔒 |
| 🔒 |
| Recompras de acciones | — | — | — | 0.00 | 🔒 | 🔒 | 🔒 | 🔒 |
| Acciones en Circulación | 1.283B | — | — | — | 🔒 | 🔒 | 🔒 | 🔒 |
| 1.1% |
| 1.1% |
| 1.5% |
| -1.2% |
| 🔒 |
| 🔒 |
| 🔒 |
| 🔒 |
| Margen Neto | 14.6% | 13.3% | 18.6% | -14.2% | 🔒 | 🔒 | 🔒 | 🔒 |
| Ratio de Eficiencia | 82.8% | 84.6% | 90.1% | 111.6% | 🔒 | 🔒 | 🔒 | 🔒 |
| Comisiones / Ingresos | 38.8% | 38.6% | 35.8% | 40.6% | 🔒 | 🔒 | 🔒 | 🔒 |
| Préstamos / Depósitos | 66.7% | 65.0% | 72.9% | 87.2% | 🔒 | 🔒 | 🔒 | 🔒 |
| NIM (aprox.) | 4.5% | 4.4% | 4.7% | 4.2% | 🔒 | 🔒 | 🔒 | 🔒 |
| Deuda / Patrimonio | 0.17x | 0.17x | 0.47x | 1.00x | 🔒 | 🔒 | 🔒 | 🔒 |
Precio actual · USD
$17.28
P/E LTM
38.40
Precio / EPS LTM diluido
ROE
5.3%
Benef. neto / Patrimonio
ROTCE (calc.)
6.3%
ROA
1.1%
Benef. neto / Activo total
Margen Neto
14.6%
Benef. neto / Ingresos
Ratio de Eficiencia
82.8%
Gastos op. / Ingresos
Comisiones / Ingresos
38.8%
Comisiones / Ingresos totales
Préstamos / Depósitos
66.7%
Préstamos a clientes / Depósitos (LDR)