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Banco Pine S.A

Banco Pine S.A

PINE4 · SA · Financial Services / Banks - Regional

11.27BRL+0.20 (+1.81%)

Price History

Full chart

Market Stats

Previous Close11.07
Open11.13
Day Range11.08 – 11.44
52-Week Range7.72 – 15.81
Volume624.80K
Market Cap3.93B
P/E (TTM)6.32
Forward P/E5.74
EPS2.46
Dividend Yield6.98%
Beta0.37
50-Day Avg11.77
200-Day Avg12.95

About

Banco Pine S.A., together with its subsidiaries, provides banking products and services in Brazil. The company engages in commercial, investment, credit, financing, foreign exchange, and leasing businesses. It is also involved in consulting; securities distribution; real estate; business intermediation; and commercialization of environmental assets. The company was incorporated in 1991 and is headquartered in São Paulo, Brazil.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Mauro Sanchez
  • Employees429
  • HeadquartersAvenida Presidente Juscelino Kubitschek, São Paulo, SP, Brazil, Brazil
  • Websitehttps://www.pine.com

Leadership

  • Mr. Mauro SanchezChief Executive Officer · b. 1969
  • Mr. Noberto Nogueira Pinheiro Jr.Vice-President of the Board, Executive Officer & Investor Relations Officer · b. 1977
  • Mr. Rodrigo Esteves PinheiroVice Chairman & Executive Officer · b. 1980
  • Mr. Sergio Luis PatricioCFO and Executive Director of Finance, Investor Relations, Treasury & Funding
  • Alcides Roberto RochaDirector of Operations and IT Retail
  • José Aparecido da SilvaAccounting, Tax & Accounts Director
  • Eugenio Fabbri NetoExecutive Director of Technology, Digital Channels, Marketing, Projects & Processes
  • Mr. Ulisses Márcio AlcantarillaChief Administrative Officer
  • Mr. Guilherme Vieira NevesRisk and Compliance Officer
  • Tatiana Aparecida MunhozLegal Officer

Financials

Income Statement

Currency: BRL2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue252.47M375.60M491.83M934.84M1.65B977.55M898.54M1.24B1.19B1.15B1.29B184.03M254.03M197.29M95.63M125.04M164.05M272.23M298.38M611.07M786.83M1.77B
Growth (%)-+48.77%+30.95%+90.07%+75.98%-40.58%-8.08%+37.95%-3.68%-3.35%+12.13%-85.78%+38.03%-22.33%-51.53%+30.75%+31.20%+65.94%+9.60%+104.79%+28.76%+124.87%
Cost of Revenue----------1.89M1.71M1.55M2.43M1.18M1.18M------
Gross Profit----------412.87M182.33M154.31M-187.37M128.98M-49.07M------
Gross Margin----------31.91%99.07%60.75%-94.97%134.88%-39.24%------
Operating Expense-----------628.96M347.00M178.47M235.53M197.83M228.21M------
Operating Income190.32M249.31M309.45M578.85M1.20B1.14B661.61M1.03B1.03B946.98M1.04B-164.67M-24.16M-422.90M-68.85M-277.28M------
Operating Margin75.38%66.38%62.92%61.92%72.76%116.34%73.63%82.71%86.34%82.07%80.52%-89.48%-9.51%-214.35%-72.00%-221.76%------
Net Income---149.78M132.99M85.09M162.07M161.51M187.45M161.60M94.31M41.03M-14.30M-262.83M-59.71M-118.21M-63.62M5.94M40.90M180.88M258.25M444.83M
Net Income Margin---16.02%8.08%8.70%18.04%13.03%15.70%14.01%7.29%22.29%-5.63%-133.22%-62.44%-94.54%-38.78%2.18%13.71%29.60%32.82%25.14%
Interest Expense00000000000000621.39M579.65M548.75M831.44M1.22B1.78B1.94B3.58B
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%649.79%463.58%334.50%305.41%407.31%291.24%247.18%202.21%

Balance Sheet

Currency: BRL2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets1.38B2.06B3.26B5.70B6.20B6.98B9.10B11.14B10.41B10.54B10.45B9.56B8.15B8.60B9.30B10.14B13.70B15.26B16.31B20.89B27.68B31.44B
Total Liabilities1.21B1.85B2.93B4.90B5.37B6.16B8.25B10.13B9.19B9.27B9.19B8.40B7.00B7.69B8.43B9.30B12.90B14.48B15.44B19.91B26.45B30.03B
Total Equity171.15M208.88M335.20M800.43M827.17M825.21M855.29M1.02B1.22B1.27B1.26B1.16B1.15B908.45M868.74M841.05M792.69M779.13M868.98M984.48M1.23B1.41B
Cash16.48M7.05M12.23M16.09M55.20M130.19M118.59M339.77M244.49M767.49M402.58M210.78M126.65M273.03M318.67M279.61M170.38M307.25M480.37M504.37M210.34M482.78M
Total Debt------------1.87B1.26B624.05M524.94M142.44M-----
Net Debt-------------1.76B568.29M509.40M2.04B4.35B3.68B3.89B5.44B5.17B

Cash Flow

Currency: BRL2007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-------494.28M679.22M142.96M606.05M232.88M-1.51B48.82M245.76M-1.08B19.73M2.03B-1.44B
Investing Cash Flow-------79.34M-101.97M111.00K6.71M-216.00K-11.41M-1.42M-681.00K-4.84M-1.67M-48.98M-26.25M
Financing Cash Flow--------938.53M-406.25M-37.67M-120.27M41.09M146.09M10.98M-182.00M1.09B111.87M276.02M-270.52M
Capital Expenditure0000000398.00K398.00K398.00K8.92M8.92M8.92M750.00K166.00K1.53M2.89M37.84M15.61M
Free Cash Flow----------478.34M232.82M-1.52B47.40M73.01M-129.26M16.84M1.98B-93.38M
Dividends Paid-------77.80M43.46M41.89M-34.48M11.47M11.47M11.47M11.47M25.71M83.20M123.90M
FCF to OCF----------78.93%99.98%100.74%97.09%29.71%11.95%85.34%97.62%6.49%
Dividend Paid to FCF-----------14.81%-0.76%24.21%15.72%-8.88%152.68%4.19%-132.69%

Earnings

Report DateJan 30, 2008May 9, 2008Aug 11, 2008Oct 30, 2008Feb 13, 2009May 11, 2009Aug 14, 2009Nov 9, 2009Nov 9, 2010Mar 21, 2011Aug 11, 2011Nov 3, 2011Feb 15, 2012May 7, 2012Aug 6, 2012Nov 12, 2012Feb 6, 2013Aug 12, 2013Aug 11, 2014Nov 11, 2014Feb 9, 2015Mar 31, 2015Aug 12, 2015Nov 9, 2015Feb 18, 2016Mar 31, 2016Aug 11, 2016
EPS Estimate0.400.500.291.060.290.290.190.200.300.310.350.371.340.430.450.480.410.25-0.240.070.060.130.110.110.020.02
EPS Actual0.460.360.380.290.180.180.200.210.350.140.340.370.380.480.430.400.400.280.290.160.040.080.090.090.090.070.07
Surprise15.00%-28.00%31.03%-72.64%-37.93%-37.93%5.26%5.00%16.67%-54.84%-2.86%0.00%-71.64%11.63%-4.44%-16.67%-2.44%12.00%--33.33%-42.86%33.33%-30.77%-18.18%-18.18%250.00%250.00%
TimingPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-market-After-hoursAfter-hoursAfter-hours-Pre-market

Key Statistics & Ratios

Market Cap3.93B
Enterprise Value12.67B
Trailing P/E6.32
Forward P/E5.74
PEG Ratio0.00
Price / Sales2.58
Price / Book1.67
EPS2.46
Book Value7.08
Revenue (TTM)1.53B
Gross Profit (TTM)1.52B
Profit Margin39.51%
Operating Margin77.97%
Return on Equity40.77%
Return on Assets1.87%
Shares Outstanding122.79M
Shares Float80.93M
Beta0.37
Dividend Yield6.98%
Dividend Rate1.09
Payout Ratio22.82%

Dividends

20264×
0.18Oct 20, 20260.27Jul 14, 20260.22Apr 20, 20260.13Jan 8, 2026
20256×
0.10Oct 20, 20250.25Oct 16, 20250.11Jul 16, 20250.08Apr 10, 20250.01Feb 19, 20250.08Jan 6, 2025
20245×
0.08Oct 14, 20240.16Oct 10, 20240.08Jul 8, 20240.08Apr 11, 20240.21Jan 8, 2024
20232×
0.10Jul 31, 20230.06Jan 30, 2023
20163×
0.06Jun 30, 20160.16Mar 31, 20160.20Jan 4, 2016
20153×
0.18Sep 30, 20150.16Jun 30, 20150.15Mar 31, 2015
20141×
0.12Dec 30, 2014

Stock Splits

  • Jan 7, 2014111.5213:100
  • Feb 27, 2012114.178:100