BVMF/PINE3 (BVMF/PINE3)

Brazil Stock Exchange: BVMF/PINE3 · BRL

R$9.20

-0.58 (-5.9%)· Recorded snapshot

Market cap	2.5B
Revenue (ttm)	1.5B
Net income (ttm)	602.7M
EPS (ttm)	R$2.37
P/E (trailing)	3.9x
P/E (forward)	3.5x
Dividend	R$0.80 (8.73%)
Volume	36,800

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 1.5B
Net income (ttm): 602.7M
EPS (ttm): R$2.37
P/E (trailing): 3.9x
P/E (forward): 3.5x
Market cap: 2.5B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/E3.5

P25 n/aP50 n/aP75 n/a

Trailing P/E3.9

P25 n/aP50 n/aP75 n/a

ROE40.8

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BVMF/PINE3 indicators

Market & fundamental data

Available fields

183

Groups with data

Currency

BRL

Showing 183 of 183 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	BRL
Country	Brazil
Country code	BR
Earnings date	2026-11-11
Employees	477
Employees change	3
Employees growth	0.77%
Exchange	Brazil Stock Exchange
Financial currency	BRL
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	1991
Industry	Banks - Regional
Is primary listing	No
ISIN number	BRPINEACNOR1
Last earnings date	2026-02-06
Last refreshed	2026-10-29
Market cap	BRL 2.5B
Next earnings date	2026-11-11
Price	BRL 9.20
Price currency	BRL
Sector	Financials
SIC code	6020
Stock price date	2026-10-29
Symbol	bvmf/PINE3
Website	https://www.pine.com

Valuation

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

Metric	Value
Average P/E ratio (3Y)	5.01x
Average P/E ratio (5Y)	9.29x
Earnings yield	25.76%
FCF yield	-87.43%
Forward P/E	3.52x
Graham number	17.40317
Graham upside	88.75%
Industry forward P/E	6.64x
Industry P/E	7.52x
Lynch fair value	BRL 53.04
Lynch upside	475.27%
P/B ratio	1.45x
P/E ratio	3.88x
P/S ratio	1.72x
Price / tangible book value	1.47x
Sector forward P/E	7.86x
Sector P/E	8.95x

Profitability

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

Metric	Value
Effective tax rate	23.97%
Operating margin	50.21%
Pretax margin	52.16%
Profit margin	39.51%
Profit per employee	BRL 1.3M
Profitable quarters	20
Profitable years	5
Revenue per employee	BRL 3.2M
ROA	1.87%
ROA (5Y)	0.77%
ROE	40.77%
ROE (5Y)	16.47%
SBC / revenue	-0.01%
Tax / revenue	12.5%

Growth

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

Metric	Value
EPS growth	84.97%
EPS growth (Q)	76.33%
EPS growth (QoQ)	11.6%
EPS growth 10Y	28.54%
EPS growth 3Y	58.91%
EPS growth quarters	6
EPS growth years	6
Net income growth	109.33%
Net income growth (Q)	99.55%
Net income growth (QoQ)	10.52%
Net income growth 3Y	77.35%
Net income growth quarters	16
Net income growth years	6
Revenue growth	101.59%
Revenue growth (Q)	48.63%
Revenue growth (QoQ)	-34.01%
Revenue growth 10Y	28.02%
Revenue growth 3Y	66.02%
Revenue growth 5Y	57.71%
Revenue growth years	7

Financial statements

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

Metric	Value
Capital expenditures	BRL -15.6M
EPS	BRL 2.37
Financing cash flow	BRL 2.4B
Free cash flow	BRL -2.3B
Free cash flow minus SBC	BRL -2.3B
Gross profit	BRL 1.5B
Income taxes	BRL 190.7M
Investing cash flow	BRL -20M
Net borrowing	BRL -85M
Net cash flow	BRL -44.4M
Net income	BRL 602.7M
Operating cash flow minus SBC	BRL -2.3B
Operating income	BRL 765.9M
Revenue	BRL 1.5B
Stock-based compensation	BRL -88,000

Financial strength

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

Metric	Value
Book value per share	BRL 7.08
Debt / equity	5.31
Net cash (debt)	BRL -8.7B
Net cash / market cap	-332.87%
Net debt / equity	4.84
Piotroski F-Score	2
Property, plant and equipment	BRL 55.9M
Shareholders' equity	BRL 1.8B
Tangible book value	BRL 1.8B
Tangible book value per share	BRL 7.00
Total assets	BRL 35.8B
Total cash	BRL 851.4M
Total debt	BRL 9.6B
Total liabilities	BRL 34B

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	BRL -28.5B

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	-13.17%
Dividend growth	24.98%
Dividend growth (10Y)	2.92%
Dividend growth (3Y)	37.54%
Dividend growth (5Y)	67.16%
Dividend growth years	2
Dividend payment date	2026-10-29
Dividend payment years	4
Dividend payout frequency	Quarterly
Dividend per share	BRL 0.80
Dividend yield	8.73%
Ex-dividend date	2026-10-21
Last dividend	BRL 0.18
Payout ratio	26.02%
Shareholder yield	-4.46%

Performance and technicals

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

Metric	Value
150-day SMA	BRL 12.30
1D price change	-5.93%
1M price change	-12.22%
1M total return	-11.09%
1W price change	-36.63%
1W total return	-36.63%
1Y price change	13.13%
1Y return CAGR	20.22%
1Y total return	20.21%
20-day SMA	BRL 12.68
200-day SMA	BRL 12.34
3M price change	-26.51%
3M total return	-25.56%
3Y price change	127.89%
3Y return CAGR	44.27%
3Y total return	200.34%
50-day SMA	BRL 11.48
50-day SMA vs 200-day SMA	50under200
52-week high	BRL 15.67
52-week high date	2026-04-20
52-week low	BRL 8.24
52-week low date	2025-10-30
6M price change	-30.29%
6M total return	-27.75%
All-time high	BRL 15.67
All-time high date	2026-04-20
All-time low	BRL 1.50
All-time low date	2023-07-27
Average true range (ATR)	BRL 0.92
Average volume	13.5K
Change from 52-week high	-41.29%
Change from 52-week low	11.65%
Change from all-time high	-39.5%
Change from all-time low	532%
Change from open	-5.93%
Day's gap	0%
Dollar volume	BRL 338,560
High price	BRL 9.78
Low price	BRL 9.10
Monthly RSI	53.1
Open price	BRL 9.78
Position in 52-week range	14.71%
Previous close	BRL 9.78
Price vs 150-day SMA	-22.9%
Price vs 20-day SMA	-25.21%
Price vs 200-day SMA	-23.19%
Price vs 50-day SMA	-17.45%
Relative volume	2.72
RSI	31.64
Sharpe ratio	0.51
Sortino ratio	0.79
Volume	36.8K
Weekly RSI	41.05
YTD price change	-23.55%
YTD total return	-18.76%

Ownership and float

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

Metric	Value
Float	80.9M
Shares change (QoQ)	-0.97%
Shares change (YoY)	13.17%
Shares held by insiders	68.18%
Shares held by institutions	4.54%

Deeper analysis on BVMF/PINE3

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

Forecast

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

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Valuation

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

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Sensitivity

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

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Risks

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

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

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

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this BVMF/PINE3 report

Is a complete BVMF/PINE3 research report available?

No complete published report is available for bvmf/PINE3 (BVMF/PINE3) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BVMF/PINE3 (BVMF/PINE3)

Price

Financial snapshot

Fair-value bridge

Latest news · BVMF/PINE3

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BVMF/PINE3 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 BVMF/PINE3

Frequently asked questions