YOLFTbeta
Banco BMG S.A.

Banco BMG S.A.

BMGB4 · SA · Financial Services / Banks - Regional

5.23BRL+0.03 (+0.58%)

Price History

Full chart

Market Stats

Previous Close5.20
Open5.17
Day Range5.17 – 5.32
52-Week Range3.42 – 7.07
Volume1.77M
Market Cap4.50B
P/E (TTM)6.93
Forward P/E4.28
EPS1.01
Dividend Yield5.87%
Beta0.33
50-Day Avg5.70
200-Day Avg5.28

About

Banco BMG S.A. provides commercial and credit, financing, and investment products and services primarily in Brazil. The company offers digital accounts; digital account credit card and consigned credit card; payroll and personal loan; insurance products, including lender, life, family life, and FGTS Protected insurance, as well as Bmg Med and Bmg Consortium services. It also provides investment products, such as bank deposit certificates, agribusiness letter of credit, and letters of real estate credit. In addition, the company offers commercial banking; debentures; trade finance; and working capital; and derivatives, such as non-deliverable forward, SWAP, options. The company was formerly known as BMG Financeira S.A."Crédito, Financiamento e Investimento and changed its name to Banco BMG S.A. in April 1989. Banco BMG S.A. was founded in 1930 and is headquartered in São Paulo, Brazil.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Luis Felix Cardamone Neto
  • Employees2.22K
  • Headquarters1830 Tower 2, Av. Presidente Juscelino Kubitsche, São Paulo, SP, Brazil, 04543-900, Brazil
  • Websitehttps://www.bancobmg.com.br

Leadership

  • Mr. Luis Felix Cardamone NetoChief Executive Officer & Member of Executive Board
  • Mr. Carlos Andre Hermesindo da SilvaController, CFO and Finance, Risks, Compliance Officer & Member of Exe. Board
  • Mr. Flavio Pentagna Guimaraes NetoExecutive VP, Investor Relations Officer & Member of the Executive Board
  • Ms. Luciana Buchmann FreireDirector & Member of the Executive Board · b. 1966
  • Mr. Roberto Fonseca Simoes FilhoDirector & Member of Executive Board
  • Mr. Edilson Pereira JardimMember of the Executive Board & Director
  • Mr. João Guilherme de Andrade So ConsiglioExecutive VP & Member of Executive Board · b. 1968
  • Mr. Ricardo Tadashi TakeyamaDirector & Member of Executive Board
  • Eduardo Vasconcelos AntonioMember of Executive Board & Director
  • Mr. Bruno Giovani CapelinMember of Executive Board & Director

Financials

Income Statement

Currency: BRL2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue-4.79M2.08B1.49B2.26B2.32B2.31B2.86B3.25B3.48B3.91B5.76B7.24B6.79B10.24B
Growth (%)-+43476.83%-28.52%+52.22%+2.35%-0.33%+23.79%+13.82%+7.12%+12.19%+47.40%+25.62%-6.14%+50.76%
Cost of Revenue---930.00K1.02M1.32B1.41B1.29B1.12B1.88B3.70B4.75B4.03B7.45B
Gross Profit-4.79M2.08B1.49B2.26B2.32B991.74M1.44B1.96B2.36B2.03B2.06B2.48B2.76B2.79B
Gross Margin100.00%100.00%100.00%100.00%100.00%42.96%50.56%60.23%67.85%51.87%35.78%34.33%40.68%27.23%
Operating Expense7.48M949.58M1.03B2.61B3.00B979.97M1.06B1.81B2.01B2.09B2.31B2.34B2.64B2.42B
Operating Income-12.28M1.13B458.32M-346.03M-686.91M11.77M386.11M144.82M354.56M-59.19M-251.05M141.25M121.92M368.85M
Operating Margin256.00%54.35%30.83%-15.29%-29.66%0.51%13.51%4.45%10.18%-1.51%-4.36%1.95%1.79%3.60%
EBITDA-405.89M1.06B1.33B72.15M229.32M175.83M407.28M172.71M413.81M45.29M-160.28M264.40M296.27M466.04M
EBITDA Margin8464.96%50.96%89.57%3.19%9.90%7.62%14.25%5.31%11.88%1.16%-2.78%3.65%4.36%4.55%
Net Income-580.01M733.60M309.26M207.37M194.78M26.29M219.44M387.39M313.68M169.66M60.34M267.92M252.86M579.47M
Net Income Margin12096.14%35.27%20.80%9.16%8.41%1.14%7.68%11.91%9.00%4.34%1.05%3.70%3.72%5.66%
Interest Expense---001.32B1.41B1.29B1.12B1.88B3.70B4.75B4.03B6.15B
Interest Expense % of Total Revenue---0.00%0.00%57.04%49.44%39.77%32.15%48.13%64.22%65.67%59.32%60.04%

Balance Sheet

Currency: BRL2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets25.85B30.12B16.99B17.08B15.89B16.26B16.94B19.57B28.17B34.25B44.59B43.72B48.44B48.60B
Total Liabilities2.13B27.54B13.88B14.11B13.04B13.69B14.30B15.50B24.01B30.43B40.46B39.54B44.03B43.96B
Total Equity2.99B2.58B3.10B2.98B2.85B2.57B2.64B4.05B4.14B3.80B4.10B4.14B4.35B4.64B
Cash627.79M97.11M1.23B446.49M29.49M45.57M84.91M322.34M267.13M548.63M1.73B2.40B1.71B2.01B
Total Debt2.13B12.97B3.15B3.60B4.48B4.50B3.16B2.86B8.45B9.75B5.85B5.58B8.88B17.74B
Net Debt1.51B12.87B1.92B3.15B5.02B2.62B2.56B2.53B5.55B3.72B4.12B3.18B7.17B15.73B

Cash Flow

Currency: BRL2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow395.49M484.93M1.71B-530.05M1.80B1.14B-500.04M-62.21M537.78M507.89M230.11M374.78M816.87M809.72M
Investing Cash Flow-37.19M-1.30B204.47M-1.94B-1.70B-32.00M-66.48M-82.08M-105.44M-145.49M-220.45M-316.70M-271.66M-3.01B
Financing Cash Flow-392.69M280.60M-779.01M1.68B-173.34M-45.00M953.00K176.02M-1.14B-106.89M211.23M193.61M265.02M584.40M
Capital Expenditure18.02M52.14M17.11M16.74M10.40M26.92M69.07M84.44M118.74M149.41M164.12M233.36M26.52M22.12M
Free Cash Flow377.47M432.79M1.70B-546.79M1.79B1.11B-569.12M-146.65M419.04M358.48M65.99M141.43M790.35M787.60M
Dividends Paid138.59M96.09M170.50M142.81M118.00M45.00M118.84M118.84M130.58M90.21M298.51M85.53M349.52M-
FCF to OCF95.44%89.25%99.00%103.16%99.42%97.64%113.81%235.74%77.92%70.58%28.68%37.74%96.75%97.27%
Dividend Paid to FCF36.71%22.20%10.05%-26.12%6.58%4.04%-20.88%-81.04%31.16%25.17%452.36%60.48%44.22%-

Earnings

Report DateFeb 13, 2020May 8, 2020Aug 6, 2020Nov 17, 2020May 6, 2021Aug 14, 2021Nov 12, 2021Nov 15, 2022Feb 14, 2023May 11, 2023Aug 9, 2023Nov 8, 2023Feb 4, 2024May 15, 2024Aug 13, 2024Nov 7, 2024Feb 17, 2025May 13, 2025Aug 14, 2025Nov 13, 2025Feb 26, 2026Aug 13, 2026
EPS Estimate0.150.250.100.140.150.170.200.090.090.090.070.030.150.160.170.180.180.200.220.230.230.23
EPS Actual0.120.180.170.140.150.100.050.000.130.070.060.150.070.160.190.100.270.200.220.260.310.29
Surprise-20.00%-28.00%70.00%0.00%0.00%-41.18%-75.00%-100.00%44.44%-22.22%-14.29%400.00%-53.33%0.00%11.76%-44.44%50.00%0.00%0.00%13.04%34.78%26.09%
TimingAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap4.50B
Enterprise Value19.37B
Trailing P/E6.93
Forward P/E4.28
Price / Sales2.14
Price / Book0.90
EPS1.01
Book Value7.86
Revenue (TTM)2.10B
Gross Profit (TTM)2.10B
Profit Margin30.16%
Operating Margin44.23%
Return on Equity13.99%
Return on Assets1.27%
Shares Outstanding228.03M
Shares Float136.64M
Beta0.33
Dividend Yield5.87%
Dividend Rate0.40
Payout Ratio51.98%

Dividends

20262×
0.10Aug 21, 20260.10May 11, 2026
20255×
0.15Dec 22, 20250.10Dec 11, 20250.10Nov 11, 20250.10Jul 24, 20250.10Apr 2, 2025
20244×
0.12Dec 4, 20240.08Oct 21, 20240.08Jul 22, 20240.08Apr 22, 2024
20233×
0.34Dec 21, 20230.02Oct 23, 20230.02Apr 24, 2023
20222×
0.13Dec 22, 20220.24Oct 21, 2022
20211×
0.32Dec 27, 2021
20201×
0.18Dec 29, 2020
20191×
0.25Dec 19, 2019