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BVMF
BPAN4
Market cap807mUSD
May 15, Last price  
7.74BRL
1D
-0.39%
1Q
4.17%
Jan 2017
500.00%
IPO
-22.60%
Name

Banco Pan SA

Chart & Performance

D1W1MN
BVMF:BPAN4 chart
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P/E
5.94
P/S
0.41
EPS
1.30
Div Yield, %
—
Shrs. gr., 5y
0.72%
Rev. gr., 5y
14.92%
Revenues
11.15b
+10.21%
1,519,497,0001,803,453,00052,223,0002,706,440,0002,196,226,0002,821,688,0003,045,849,0003,201,063,0003,312,094,0006,224,513,0004,806,154,0005,561,548,0006,474,958,0007,537,236,0009,269,510,00010,112,787,00011,145,561,000
Net income
772m
+11.10%
95,575,000174,021,000-133,617,00067,043,000-495,961,000-151,727,0007,823,0008,052,000-237,238,000212,606,000221,515,000515,935,000655,569,000774,576,000706,108,000694,959,000772,096,000
CFO
-695m
L-72.04%
-760,695,000774,690,000-564,379,000-2,318,882,000-1,909,496,000-557,567,000-1,800,521,0002,072,112,000989,169,000619,871,000532,715,000573,365,000140,772,000-2,089,557,0002,979,317,000-2,487,590,000-695,487,000
Dividend
Dec 28, 20230.21512 BRL/sh
Earnings
Aug 05, 2025

Profile

Banco Pan S.A., together with its subsidiaries, operates as a middle-sized financial institution in Brazil. It provides payroll loans, vehicle financing, and credit cards. The company also offers services in the areas of consortium, insurance, securitization of real estate, and agribusiness receivables. In addition, it provides investment products, such as bank deposit certificates, real estate and agribusiness letters of credit, financial bills, interbank deposits, and Eurobonds. The company distributes its products and services through correspondent banks, authorized dealerships, multi-brand new and used vehicle shops, and real estate partners. It operates through 60 service branches. The company was formerly known as Banco Panamericano S.A. and changed its name to Banco Pan S.A. in August 2014. Banco Pan S.A. is headquartered in São Paulo, Brazil.
URL
https://www.bancopan.com.br/
IPO date
Nov 14, 2007
Employees
Domiciled in
BR
Incorporated in
BR

Valuation

Title
BRL in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
11,145,561
10.21%
10,112,787
9.10%
9,269,510
22.98%
Cost of revenue
2,176,426
2,228,362
2,061,456
Unusual Expense (Income)
NOPBT
8,969,135
7,884,425
7,208,054
NOPBT Margin
80.47%
77.96%
77.76%
Operating Taxes
20,321
154,558
161,185
Tax Rate
0.23%
1.96%
2.24%
NOPAT
8,948,814
7,729,867
7,046,869
Net income
772,096
11.10%
694,959
-1.58%
706,108
-8.84%
Dividends
(320,000)
(296,708)
Dividend yield
2.92%
3.89%
Proceeds from repurchase of equity
(165,230)
(23,849)
2,598,457
BB yield
0.22%
-34.07%
Debt
Debt current
Long-term debt
15,150,458
Deferred revenue
Other long-term liabilities
49,849,785
32,916,847
Net debt
(5,859,283)
(2,806,218)
15,143,515
Cash flow
Cash from operating activities
(695,487)
(2,487,590)
2,979,317
CAPEX
(13,390)
(23,998)
(213,901)
Cash from investing activities
457,427
2,503,457
(2,240,902)
Cash from financing activities
39,967
590,593
(735,227)
FCF
8,876,427
6,995,491
7,005,844
Balance
Cash
3,169,561
6,220
6,943
Long term investments
2,689,722
2,799,998
Excess cash
5,302,005
2,300,579
Stockholders' equity
5,934,972
7,452,525
7,358,948
Invested Capital
60,131,853
54,970,882
55,191,398
ROIC
15.55%
14.03%
13.73%
ROCE
13.71%
13.77%
13.06%
EV
Common stock shares outstanding
1,269,206
1,256,566
Price
6.34
-26.62%
8.64
42.34%
6.07
-43.16%
Market cap
10,965,940
43.77%
7,627,356
-40.74%
EV
8,163,249
22,772,739
EBITDA
9,251,341
8,166,747
7,441,283
EV/EBITDA
1.00
3.06
Interest
5,820,858
5,594,201
4,768,739
Interest/NOPBT
64.90%
70.95%
66.16%