Stock BPAN4 BANCO PAN S.A.
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Financials Banco Pan S.A.

Equities

BPAN4

BRBPANACNPR1

Banks

Market Closed - Sao Paulo
Other stock markets
 04:07:43 2024-04-26 pm EDT 		5-day change 1st Jan Change
9.16 BRL -1.40% Intraday chart for Banco Pan S.A. -0.33% +6.02%
Feb. 01 Transcript : Banco Pan S.A., Q4 2023 Earnings Call, Feb 01, 2024
Feb. 01 Banco Pan S.A. Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 12,774 11,484 12,870 7,728 10,965 11,624 - -
Enterprise Value (EV) 1 12,774 11,484 12,870 7,728 10,965 11,624 11,624 11,624
P/E ratio - 17.5 x 16.7 x 10.8 x 18.8 x 14.3 x 9.07 x 6.97 x
Yield - 2.14% - 4.14% - 2.63% 3.79% 5.01%
Capitalization / Revenue 2.78 x 1.96 x 1.74 x 0.91 x 1.27 x 1.14 x 0.96 x 0.8 x
EV / Revenue 2.78 x 1.96 x 1.74 x 0.91 x 1.27 x 1.14 x 0.96 x 0.8 x
EV / EBITDA 16,783,644 x - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 2.59 x 2.16 x 2.22 x 1 x 1.36 x 1.39 x 1.29 x 1.16 x
Nbr of stocks (in thousands) 1,205,056 1,205,056 1,205,056 1,273,199 1,269,070 1,269,039 - -
Reference price 2 10.60 9.530 10.68 6.070 8.640 9.160 9.160 9.160
Announcement Date 2/5/20 2/8/21 2/8/22 2/8/23 2/1/24 - - -
1BRL in Million2BRL
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 4,601 5,854 7,405 8,526 8,648 10,194 12,168 14,557
EBITDA 761.1 - - - - - - -
EBIT 1 694 888 1,081 850.1 - 1,010 1,752 2,097
Operating Margin 15.08% 15.17% 14.6% 9.97% - 9.91% 14.4% 14.41%
Earnings before Tax (EBT) 1 694 937.7 1,110 868.9 660.2 1,136 1,730 2,106
Net income 1 515.9 655.6 774.6 706.1 590 849.2 1,293 1,538
Net margin 11.21% 11.2% 10.46% 8.28% 6.82% 8.33% 10.63% 10.56%
EPS 2 - 0.5440 0.6400 0.5600 0.4600 0.6416 1.010 1.314
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - 0.2040 - 0.2513 - 0.2410 0.3470 0.4586
Announcement Date 2/5/20 2/8/21 2/8/22 2/8/23 2/1/24 - - -
1BRL in Million2BRL
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 - - 2,000 - - 2,187 2,242 2,016 2,186 2,367 2,348 2,264 2,364 2,497 2,507
EBITDA - - - - - - - - - - - - - - -
EBIT - - 244.8 - - 208 201.8 - - - - - - - -
Operating Margin - - 12.24% - - 9.51% 9% - - - - - - - -
Earnings before Tax (EBT) 279.6 276.1 248.6 209.1 203.5 207.8 202.7 207.2 213.6 177 - - - - -
Net income 1 191.4 190.4 195.5 169 171.4 170.2 172.3 170 177.7 147.2 197.3 179.2 191.8 244.7 -
Net margin - - 9.78% - - 7.78% 7.68% 8.44% 8.13% 6.22% 8.41% 7.92% 8.11% 9.8% -
EPS 2 0.1700 0.1600 0.1500 0.1500 0.1300 0.1300 0.1400 0.1300 0.1400 0.1100 0.1468 0.1493 0.1565 0.1824 0.2026
Dividend per Share 2 - - - - - - - - - - 0.0527 0.0588 0.0628 0.0655 0.0718
Announcement Date 10/26/21 2/8/22 5/4/22 8/8/22 11/3/22 2/8/23 5/4/23 8/3/23 11/1/23 2/1/24 - - - - -
1BRL in Million2BRL
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 11.4% 21.4% 16.5% 10.5% 11.3% 11.3% 14.4% 16%
ROA (Net income/ Total Assets) 0.76% 2.44% 1.79% 1.36% - - - -
Assets 1 68,151 26,841 43,214 52,019 - - - -
Book Value Per Share 2 4.090 4.410 4.810 6.050 6.370 6.590 7.070 7.890
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/5/20 2/8/21 2/8/22 2/8/23 2/1/24 - - -
1BRL in Million2BRL
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Banco Pan S.A.

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
7
Last Close Price
9.16 BRL
Average target price
10.02 BRL
Spread / Average Target
+9.34%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

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