BMGB10 Stock Financial Analysis - Banco BMG S.A. (BOVESPA) Stock

Overview

Banco BMG S.A., based in Brazil, is a significant player in the financial services industry focusing predominantly on consumer lending and payroll loans. Primarily, it caters to the underbanked and underserved segments of the Brazilian population, offering a range of financial products including personal loans, credit cards, and insurance. A key project for Banco BMG has been its strategic digital transformation initiative aimed at enhancing its mobile banking services to improve customer accessibility and operational efficiency. This initiative reflects the bank's commitment to leveraging technology to expand its market share in the competitive financial landscape of Brazil, ensuring it remains relevant and responsive to customer needs in a digital era.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Banco BMG S.A. as of June 30, 2025 is 2,366.57 MM.
The operating income for Banco BMG S.A. as of June 30, 2025 is 69.78 MM.
The net income for Banco BMG S.A. as of June 30, 2025 is 286.88 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	2,366.57	69.78	286.88
2025-03-31	2,176.89	72.97	270.75
2024-12-31	2,028.20	49.31	252.86
2024-09-30	2,261.23	612.17	369.31
2024-06-30	2,343.20	708.72	398.83
2024-03-31	2,088.13	583.71	326.38
2023-12-31	2,046.91	24.41	267.92
2023-09-30	2,106.51	598.90	220.27
2023-06-30	2,034.15	451.08	128.95
2023-03-31	2,100.37	326.61	91.59
2022-12-31	2,018.08	291.51	60.34
2022-09-30	1,874.64	88.54	4.02
2022-06-30	1,939.62	197.68	33.61
2022-03-31	2,086.34	382.78	123.30
2021-12-31	2,121.40	484.07	169.66
2021-09-30	2,297.24	710.41	247.48
2021-06-30	2,306.23	782.49	314.44
2021-03-31	2,347.00	846.77	307.07
2020-12-31	2,331.47	749.37	329.04
2020-09-30	2,289.92	669.12	412.32

Income Statement: EPS

The earnings per share basic for Banco BMG S.A. as of June 30, 2025 is 0.49.
The earnings per share diluted for Banco BMG S.A. as of June 30, 2025 is 0.49.

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30	0.49	0.49
2025-03-31	0.46	0.46
2024-12-31	0.43
2024-09-30	0.63	0.63
2024-06-30	0.68	0.68
2024-03-31	0.56	0.56
2023-12-31	0.46
2023-09-30	0.38	0.38
2023-06-30	0.22	0.22
2023-03-31	0.16	0.16
2022-12-31	0.10
2022-09-30	0.01	0.01
2022-06-30	0.06	0.06
2022-03-31	0.21	0.21
2021-12-31	0.29
2021-09-30	0.42	0.42
2021-06-30	0.54	0.54
2021-03-31	0.52	0.52
2020-12-31	0.56
2020-09-30	0.70	0.70

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Banco BMG S.A. as of June 30, 2025 is 1,778.92 MM.
The cash from investing activities for Banco BMG S.A. as of June 30, 2025 is -180.92 MM.
The cash from financing activities for Banco BMG S.A. as of June 30, 2025 is -1,673.23 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	1,778.92	-180.92	-1,673.23
2025-03-31	-1,238.64	-173.17	926.42
2024-12-31	816.87	-271.66	265.02
2024-09-30	-123.97	-240.10	-221.90
2024-06-30	-1,688.64	-287.21	2,227.93
2024-03-31	405.39	-349.63	108.04
2023-12-31	374.78	-316.70	193.61
2023-09-30	309.29	-265.83	316.51
2023-06-30	-788.33	-280.32	819.73
2023-03-31	-25.41	-154.96	311.33
2022-12-31	230.11	-220.45	211.23
2022-09-30	-313.48	-250.86	360.77
2022-06-30	303.85	-196.26	93.41
2022-03-31	830.40	-231.52	-621.40
2021-12-31	507.89	-145.49	-106.89
2021-09-30	469.74	-136.92	-15.37
2021-06-30	-590.23	-1,136.29	1,866.24
2021-03-31	-1,181.28	-131.64	1,599.02
2020-12-31	-1,303.85	-1,130.17	1,734.73
2020-09-30	-1,108.75	-1,118.41	1,545.87

Valuation Metrics : PE, PriceToBook, PriceToTBV

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31
2021-12-31
2021-09-30
2021-06-30
2021-03-31
2020-12-31
2020-09-30

Management Effectiveness

The roa for Banco BMG S.A. as of June 30, 2025 is 0.01.
The roe for Banco BMG S.A. as of June 30, 2025 is 0.07.
The roic for Banco BMG S.A. as of June 30, 2025 is 0.02.
The croic for Banco BMG S.A. as of June 30, 2025 is -0.00.
The ocroic for Banco BMG S.A. as of June 30, 2025 is 0.11.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.01	0.07	0.02	-0.00	0.11
2025-03-31	0.01	0.06	0.02	-0.03	-0.08
2024-12-31	0.01	0.09	0.02	-0.03	-0.01
2024-09-30	0.01	0.09	0.02	-0.03	-0.01
2024-06-30	0.01	0.08	0.02	0.01	0.03
2024-03-31	0.01	0.06	0.02	0.02	0.03
2023-12-31	0.01	0.05	0.02	0.03	0.02
2023-09-30	0.00	0.03	0.01	-0.01	-0.00
2023-06-30	0.00	0.03	0.01	-0.01	-0.00
2023-03-31	0.00	0.02	0.01	0.01	-0.00
2022-12-31	0.00	0.02	0.00	-0.01	-0.29
2022-09-30	0.00	0.02	0.00	-0.01	-0.29
2022-06-30	0.00	0.03	0.01	0.01	-0.26
2022-03-31	0.01	0.05	0.02	-0.00	-0.44
2021-12-31	0.01	0.06	0.02	0.03	-0.15
2021-09-30	0.01	0.06	0.02	0.03	-0.15
2021-06-30	0.01	0.07	0.02	0.01	0.09
2021-03-31	0.02	0.09	0.03	0.02	-0.10
2020-12-31	0.02	0.09	0.03	-0.05	0.04
2020-09-30	0.02	0.15	0.05	-0.09	0.12

Gross Margins

The gross margin for Banco BMG S.A. as of June 30, 2025 is 1.00.
The net margin for Banco BMG S.A. as of June 30, 2025 is 0.12.
The operating margin for Banco BMG S.A. as of June 30, 2025 is 0.03.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	1.00	0.12	0.03
2025-03-31	1.00	0.12	0.03
2024-12-31	1.00	0.16	0.27
2024-09-30	1.00	0.16	0.27
2024-06-30	1.00	0.16	0.28
2024-03-31	1.00	0.13	0.22
2023-12-31	1.00	0.10	0.28
2023-09-30	1.00	0.06	0.22
2023-06-30	1.00	0.06	0.22
2023-03-31	1.00	0.04	0.16
2022-12-31	1.00	0.04	0.08
2022-09-30	1.00	0.04	0.08
2022-06-30	1.00	0.05	0.13
2022-03-31	1.00	0.10	0.19
2021-12-31	1.00	0.11	0.24
2021-09-30	1.00	0.11	0.24
2021-06-30	1.00	0.13	0.30
2021-03-31	1.00	0.14	0.37
2020-12-31	1.00	0.16	0.24
2020-09-30	1.00	0.17	0.28