BCBA/MAD (BCBA/MAD)

Buenos Aires Stock Exchange: BCBA/MAD · USD

$19.6

-0.17 (-0.9%)· Recorded snapshot

Market cap	821.8T
Revenue (ttm)	52T
Net income (ttm)	24.1T
EPS (ttm)	$847
P/E (trailing)	35.6x
P/E (forward)	28.9x
Dividend	$116 (0.38%)
Volume	313

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 52T
Net income (ttm): 24.1T
EPS (ttm): $847
P/E (trailing): 35.6x
P/E (forward): 28.9x
Market cap: 821.8T

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E28.9

P25 n/aP50 n/aP75 n/a

Trailing P/E35.6

P25 n/aP50 n/aP75 n/a

ROE241.2

P25 n/aP50 n/aP75 n/a

ROIC93.8

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

S&P 500+0.8%

Nasdaq Composite-1.0%

Dow Jones Industrial Average+1.9%

Russell 2000+0.3%

All BCBA/MAD indicators

Market & fundamental data

Available fields

244

Groups with data

Currency

USD

Showing 244 of 244 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	ARS
Country	United States
Country code	AR
Earnings date	2026-10-29
Employees	39,800
Employees change	4,500
Employees growth	12.75%
Enterprise value	$841.6T
Exchange	Buenos Aires Stock Exchange
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-10-10
Fiscal year end	December
Founded	1966
Industry	Credit Services
Is primary listing	No
ISIN number	ARBCOM4603D8
Last refreshed	2026-10-28
Market cap	$821.8T
Next earnings date	2026-10-29
Price	$19.64
Price currency	USD
Sector	Financials
SIC code	7389
Stock price date	2026-10-27
Symbol	bcba/MAD
Website	https://www.mastercard.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	37.32x
Average P/E ratio (3Y)	34.86x
Average P/E ratio (5Y)	35.19x
Earnings yield	2.81%
EV/Earnings	34.94x
EV/EBIT	26.05x
EV/EBITDA	24.64x
EV/FCF	34.01x
EV/Sales	15.6x
FCF / EV yield	2.94%
FCF yield	3.01%
Forward P/E	28.93x
Graham number	1.60338
Graham upside	-91.84%
Lynch fair value	$10.20
Lynch upside	-48.07%
P/(FCF - SBC) ratio	34.48x
P/(OCF - SBC) ratio	32.97x
P/B ratio	98.94x
P/E ratio	35.64x
P/FCF ratio	33.21x
P/OCF ratio	31.81x
P/S ratio	15.81x
Price/EBITDA ratio	24.98x
Sector forward P/E	6.97x
Sector P/E	23.63x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	59.88%
EBITDA margin	63.28%
Effective tax rate	19.41%
FCF margin	45.86%
Gross margin	100%
Operating margin	59.88%
Pretax margin	57.5%
Profit margin	46.34%
Profit per employee	$605.1M
Profitable quarters	71
Profitable years	17
Revenue per employee	$1.3B
ROA	24.06%
ROA (5Y)	21.52%
ROCE	64.26%
ROE	241.2%
ROE (5Y)	167.33%
ROIC	93.78%
ROIC (5Y)	83.68%
SBC / revenue	1.75%
Tax / revenue	11.16%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	22.61%
EPS growth (Q)	22.11%
EPS growth (QoQ)	14.25%
EPS growth 10Y	18.22%
EPS growth 3Y	19.45%
EPS growth 5Y	20.36%
EPS growth quarters	13
EPS growth years	5
FCF growth	0.91%
FCF growth (Q)	-23.69%
FCF growth (QoQ)	22.39%
FCF growth 3Y	14.45%
FCF growth 5Y	17.83%
Gross profit growth	16.01%
Gross profit growth (Q)	14.07%
Gross profit growth 3Y	14.14%
Gross profit growth 5Y	16.09%
Net income growth	19.66%
Net income growth (Q)	18.56%
Net income growth (QoQ)	13.03%
Net income growth 3Y	16.7%
Net income growth 5Y	17.72%
Net income growth quarters	13
Net income growth years	5
OCF growth	2.86%
OCF growth (Q)	-18.03%
OCF growth (QoQ)	25.81%
OCF growth 10Y	14.69%
OCF growth 3Y	14.64%
OCF growth 5Y	17.95%
Operating income growth	18.27%
Operating income growth (Q)	16.33%
Operating income growth 3Y	15.94%
Operating income growth 5Y	18.95%
Revenue growth	16.01%
Revenue growth (Q)	14.07%
Revenue growth (QoQ)	10.47%
Revenue growth 10Y	13.16%
Revenue growth 3Y	14.14%
Revenue growth 5Y	16.09%
Revenue growth quarters	22
Revenue growth years	5

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-1.1T
Depreciation and amortization	$1.8T
EBIT	$31.1T
EBITDA	$32.9T
EPS	$847.49
Financing cash flow	$-19.6T
Free cash flow	$24.7T
Free cash flow minus SBC	$23.8T
Gross profit	$52T
Income taxes	$5.8T
Investing cash flow	$-2.5T
Net borrowing	$8.7T
Net cash flow	$3.6T
Net income	$24.1T
Operating cash flow minus SBC	$24.9T
Operating income	$31.1T
Revenue	$52T
Stock-based compensation	$911.1B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	9.65
Book value per share	$9,476.40
Debt / EBITDA	1.11
Debt / equity	4.4
Debt / FCF	1.48
Goodwill	$14.6T
Interest coverage	28.08
Long-term assets	$44.7T
Long-term liabilities	$38.7T
Net cash (debt)	$-19.1T
Net cash / market cap	-2.32%
Net debt / EBITDA	0.58
Net debt / equity	2.3
Net debt / FCF	0.77
Piotroski F-Score	4
Property, plant and equipment	$3.9T
Shareholders' equity	$8.3T
Tangible book value	$-13.9T
Tangible book value per share	$-15,796.25
Total assets	$85.5T
Total cash	$17.2T
Total debt	$36.5T
Total liabilities	$77.2T

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.64
Current assets	$40.8T
Current liabilities	$38.5T
Current ratio	1.06
Net working capital	$-11.3T
Quick ratio	0.67
Working capital	$2.2T
Working capital turnover	22,456.45

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	2.35%
Dividend growth	14.81%
Dividend growth (3Y)	20.59%
Dividend growth years	4
Dividend payment date	2026-11-09
Dividend payment years	6
Dividend payout frequency	Quarterly
Dividend per share	$116.12
Dividend yield	0.38%
Ex-dividend date	2026-10-09
Last dividend	$0.03
Payout ratio	17.96%
Shareholder yield	2.73%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$16.99
1D price change	-0.86%
1M price change	9.3%
1M total return	9.46%
1W price change	-1.41%
1W total return	-1.41%
1Y price change	12.89%
1Y return CAGR	13.4%
1Y total return	13.39%
20-day SMA	$18.92
200-day SMA	$16.91
3M price change	15.07%
3M total return	15.24%
3Y price change	45.33%
3Y return CAGR	13.72%
3Y total return	47.08%
50-day SMA	$18.49
50-day SMA vs 200-day SMA	50over200
52-week high	$20.30
52-week high date	2026-10-22
52-week low	$14.65
52-week low date	2026-06-03
5Y price change	70.61%
5Y return CAGR	11.7%
5Y total return	73.9%
6M price change	20.81%
6M total return	21.11%
All-time high	$20.30
All-time high date	2026-10-22
All-time low	$9.00
All-time low date	2022-09-28
Average true range (ATR)	$0.35
Average volume	2.7K
Change from 52-week high	-3.25%
Change from 52-week low	34.06%
Change from all-time high	-3.35%
Change from all-time low	118%
Change from open	0.31%
Day's gap	-1.16%
Dollar volume	$6,147
High price	$19.73
Low price	$19.55
Monthly RSI	64.38
Open price	$19.58
Position in 52-week range	50%
Previous close	$19.81
Price vs 150-day SMA	15.48%
Price vs 20-day SMA	3.69%
Price vs 200-day SMA	16.01%
Price vs 50-day SMA	6.11%
Relative volume	0.12
RSI	63.25
Sharpe ratio	0.43
Sharpe ratio (3Y)	0.54
Sortino ratio	0.84
Sortino ratio (3Y)	0.94
Volume	313
Weekly RSI	66.64
YTD price change	8.94%
YTD total return	9.42%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	868.3M
Shares change (QoQ)	-1.12%
Shares change (YoY)	-2.35%
Shares held by insiders	0.03%
Shares held by institutions	89.33%
Short ratio	2.4 days

Deeper analysis on BCBA/MAD

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

→

Risks

Kill scenarios, soft-pass flags, and downside catalysts.

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Scorecard

Six-factor overlay and 9-category weighted scorecard.

→

Recommendation

Final action, action steps, opportunity, and biggest risk.

→

Perspectives

Growth, value, and income investor reads.

→

Frequently asked questions

About this BCBA/MAD report

Is a complete BCBA/MAD research report available?

No complete published report is available for bcba/MAD (BCBA/MAD) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Market cap

821.8T

Revenue (ttm)

52T

Net income (ttm)

24.1T

EPS (ttm)

$847

P/E (trailing)

35.6x

P/E (forward)

28.9x

Dividend

$116 (0.38%)

Volume

313

Metric

Value

Amount currency

ARS

Country

United States

Country code

Earnings date

2026-10-29

Employees

39,800

Employees change

4,500

Employees growth

12.75%

Enterprise value

$841.6T

Exchange

Buenos Aires Stock Exchange

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-10-10

Fiscal year end

December

Founded

1966

Industry

Credit Services

Is primary listing

ISIN number

ARBCOM4603D8

Last refreshed

2026-10-28

Market cap

$821.8T

Next earnings date

2026-10-29

Price

$19.64

Price currency

USD

Sector

Financials

SIC code

7389

Stock price date

2026-10-27

Symbol

bcba/MAD

Website

https://www.mastercard.com

Metric

Value

Average P/E ratio (10Y)

37.32x

Average P/E ratio (3Y)

34.86x

Average P/E ratio (5Y)

35.19x

Earnings yield

2.81%

EV/Earnings

34.94x

EV/EBIT

26.05x

EV/EBITDA

24.64x

EV/FCF

34.01x

EV/Sales

15.6x

FCF / EV yield

2.94%

FCF yield

3.01%

Forward P/E

28.93x

Graham number

1.60338

Graham upside

-91.84%

Lynch fair value

$10.20

Lynch upside

-48.07%

P/(FCF - SBC) ratio

34.48x

P/(OCF - SBC) ratio

32.97x

P/B ratio

98.94x

P/E ratio

35.64x

P/FCF ratio

33.21x

P/OCF ratio

31.81x

P/S ratio

15.81x

Price/EBITDA ratio

24.98x

Sector forward P/E

6.97x

Sector P/E

23.63x

Metric

Value

EBIT margin

59.88%

EBITDA margin

63.28%

Effective tax rate

19.41%

FCF margin

45.86%

Gross margin

100%

Operating margin

59.88%

Pretax margin

57.5%

Profit margin

46.34%

Profit per employee

$605.1M

Profitable quarters

Profitable years

Revenue per employee

$1.3B

ROA

24.06%

ROA (5Y)

21.52%

ROCE

64.26%

ROE

241.2%

ROE (5Y)

167.33%

ROIC

93.78%

ROIC (5Y)

83.68%

SBC / revenue

1.75%

Tax / revenue

11.16%

Metric

Value

EPS growth

22.61%

EPS growth (Q)

22.11%

EPS growth (QoQ)

14.25%

EPS growth 10Y

18.22%

EPS growth 3Y

19.45%

EPS growth 5Y

20.36%

EPS growth quarters

EPS growth years

FCF growth

0.91%

FCF growth (Q)

-23.69%

FCF growth (QoQ)

22.39%

FCF growth 3Y

14.45%

FCF growth 5Y

17.83%

Gross profit growth

16.01%

Gross profit growth (Q)

14.07%

Gross profit growth 3Y

14.14%

Gross profit growth 5Y

16.09%

Net income growth

19.66%

Net income growth (Q)

18.56%

Net income growth (QoQ)

13.03%

Net income growth 3Y

16.7%

Net income growth 5Y

17.72%

Net income growth quarters

Net income growth years

OCF growth

2.86%

OCF growth (Q)

-18.03%

OCF growth (QoQ)

25.81%

OCF growth 10Y

14.69%

OCF growth 3Y

14.64%

OCF growth 5Y

17.95%

Operating income growth

18.27%

Operating income growth (Q)

16.33%

Operating income growth 3Y

15.94%

Operating income growth 5Y

18.95%

Revenue growth

16.01%

Revenue growth (Q)

14.07%

Revenue growth (QoQ)

10.47%

Revenue growth 10Y

13.16%

Revenue growth 3Y

14.14%

Revenue growth 5Y

16.09%

Revenue growth quarters

Revenue growth years

Metric

Value

Capital expenditures

$-1.1T

Depreciation and amortization

$1.8T

EBIT

$31.1T

EBITDA

$32.9T

EPS

$847.49

Financing cash flow

$-19.6T

Free cash flow

$24.7T

Free cash flow minus SBC

$23.8T

Gross profit

$52T

Income taxes

$5.8T

Investing cash flow

$-2.5T

Net borrowing

$8.7T

Net cash flow

$3.6T

Net income

$24.1T

Operating cash flow minus SBC

$24.9T

Operating income

$31.1T

Revenue

$52T

Stock-based compensation

$911.1B

Metric

Value

Altman Z-Score

9.65

Book value per share

$9,476.40

Debt / EBITDA

1.11

Debt / equity

4.4

Debt / FCF

1.48

Goodwill

$14.6T

Interest coverage

28.08

Long-term assets

$44.7T

Long-term liabilities

$38.7T

Net cash (debt)

$-19.1T

Net cash / market cap

-2.32%

Net debt / EBITDA

0.58

Net debt / equity

2.3

Net debt / FCF

0.77

Piotroski F-Score

Property, plant and equipment

$3.9T

Shareholders' equity

$8.3T

Tangible book value

$-13.9T

Tangible book value per share

$-15,796.25

Total assets

$85.5T

Total cash

$17.2T

Total debt

$36.5T

Total liabilities

$77.2T

Metric

Value

Asset turnover

0.64

Current assets

$40.8T

Current liabilities

$38.5T

Current ratio

1.06

Net working capital

$-11.3T

Quick ratio

0.67

Working capital

$2.2T

Working capital turnover

22,456.45

Metric

Value

Buyback yield / dilution

2.35%

Dividend growth

14.81%

Dividend growth (3Y)

20.59%

Dividend growth years

Dividend payment date

2026-11-09

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

$116.12

Dividend yield

0.38%

Ex-dividend date

2026-10-09

Last dividend

$0.03

Payout ratio

17.96%

Shareholder yield

2.73%

Metric

Value

150-day SMA

$16.99

1D price change

-0.86%

1M price change

9.3%

1M total return

9.46%

1W price change

-1.41%

1W total return

-1.41%

1Y price change

12.89%

1Y return CAGR

13.4%

1Y total return

13.39%

20-day SMA

$18.92

200-day SMA

$16.91

3M price change

15.07%

3M total return

15.24%

3Y price change

45.33%

3Y return CAGR

13.72%

3Y total return

47.08%

50-day SMA

$18.49

50-day SMA vs 200-day SMA

50over200

52-week high

$20.30

52-week high date

2026-10-22

52-week low

$14.65

52-week low date

2026-06-03

5Y price change

70.61%

5Y return CAGR

11.7%

5Y total return

73.9%

6M price change

20.81%

6M total return

21.11%

All-time high

$20.30

All-time high date

2026-10-22

All-time low

$9.00

All-time low date

2022-09-28

Average true range (ATR)

$0.35

Average volume

2.7K

Change from 52-week high

-3.25%

Change from 52-week low

34.06%

Change from all-time high

-3.35%

Change from all-time low

118%

Change from open

0.31%

Day's gap

-1.16%

Dollar volume

$6,147

High price

$19.73

Low price

$19.55

Monthly RSI

64.38

Open price

$19.58

Position in 52-week range

50%

Previous close

$19.81

Price vs 150-day SMA

15.48%

Price vs 20-day SMA

3.69%

Price vs 200-day SMA

16.01%

Price vs 50-day SMA

6.11%

Relative volume

0.12

RSI

63.25

Sharpe ratio

0.43

Sharpe ratio (3Y)

0.54

Sortino ratio

0.84

Sortino ratio (3Y)

0.94

Volume

313

Weekly RSI

66.64

YTD price change

8.94%

YTD total return

9.42%

Metric

Value

Float

868.3M

Shares change (QoQ)

-1.12%

Shares change (YoY)

-2.35%

Shares held by insiders

0.03%

Shares held by institutions

89.33%

Short ratio

2.4 days

BCBA/MAD (BCBA/MAD)

Price

Financial snapshot

Fair-value bridge

Latest news · BCBA/MAD

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BCBA/MAD indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BCBA/MAD

Frequently asked questions

BCBA/MAD (BCBA/MAD)

Price

Financial snapshot

Fair-value bridge

Latest news · BCBA/MAD

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BCBA/MAD indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BCBA/MAD

Frequently asked questions