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Banco BMG S.A. (BMGB4.SA)

BRL5.35 +0.01 (+0.19%)
BR SAO Financial Services Banks - Regional
Address Av. Presidente Juscelino Kubitsche, 1830 04543-900
São Paulo, SP, BR
CEO Luis Felix Cardamone Neto
IPO 2019-11-29
ISIN BRBMGBACNPR0

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Description

Banco BMG S.A. is a financial institution primarily operating in Brazil, offering a diverse portfolio of commercial, credit, financing, and investment solutions. Its operations are structured around two main divisions: Retail Banking and Wholesale Banking. For individual clients, the bank provides services such as current accounts, payroll-backed credit cards and loans, personal loans, and various retail insurance options, complemented by comprehensive digital banking facilities. In the wholesale sector, it caters to medium and large corporate entities with offerings like financing solutions, structured financial products, derivative instruments, and guarantee insurance. Initially established as BMG Financeira S.A.–Crédito, Financiamento e Investimento, the company officially adopted its current name, Banco BMG S.A., in April 1989. Founded in 1930, its headquarters are located in São Paulo, Brazil. The institution operates as a subsidiary under the umbrella of Grupo BMG S.A.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
BRL5.35 +0.01 (+0.19%)
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Volume Profile
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Liquidity & share structure
Average Volume
1M
Beta
0.38
Float Shares
125.28M
Free Float %
53.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.74% +1.49% -2.51% +11.25% +32.36% +9.68% +44.68% +156.60% +15.99% -35.01% -35.01%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
5.35
Ratings Trend (MoM) 50% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 1 0
Hold 1 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.01
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +50.8% Q1'26: +3.6% (vs Q1'25)
  • EPS growth
    +127.9% Q1'26: +9.1% (vs Q1'25)
  • FCF margin
    Q1'26: +16.8% (vs Q1'25)
  • EBIT margin
    Q1'26: +2.6% (vs Q1'25)
  • ROIC
    Q1'26: +1.1% (vs Q1'25)
  • Share dilution
    +1.8% Q1'26: +1.3% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 62.39× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (1.14) × ERP
WACC = 15% × Ke + 85% × Kd (34.7%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 5.35
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Dec 2027
2 Rev. Ana.
1 EPS Ana.
Dec 2028
1 Rev. Ana.
1 EPS Ana.
Revenue
3.25B
est: 2.37B (+37.0%)
3.48B
est: 2.87B (+21.2%)
3.91B
est: 2.85B (+37.1%)
5.76B
est: 3.16B (+82.6%)
7.24B
est: 5.08B (+42.5%)
6.79B
est: 6.06B (+12.1%)
10.24B
est: 6.68B (+53.2%)
7.28B
6.54B – 8.01B
+8.9% YoY
7.69B
6.01B – 9.36B
+5.7% YoY
8.00B
7.19B – 8.81B
+4.0% YoY
EBITDA
172.71M
est: 86.72M (+99.2%)
413.81M
est: 105.00M (+294.1%)
45.29M
est: 104.21M (-56.5%)
-160.28M
est: 115.30M (-239.0%)
264.40M
est: 185.60M (+42.5%)
296.27M
est: 115.67M (+156.1%)
322.77M
est: 127.57M (+153.0%)
138.89M
124.83M – 152.95M
+8.9% YoY
146.75M
114.78M – 178.72M
+5.7% YoY
152.64M
137.19M – 168.09M
+4.0% YoY
EBIT
144.82M
est: 38.22M (+278.9%)
354.56M
est: 46.28M (+666.2%)
-59.19M
est: 45.93M (-228.9%)
-251.05M
est: 50.82M (-594.0%)
141.25M
est: 81.80M (+72.7%)
121.92M
est: 8.07M (+1,411.5%)
285.79M
est: 8.90M (+3,112.3%)
9.69M
8.71M – 10.67M
+8.9% YoY
10.23M
8.00M – 12.46M
+5.7% YoY
10.64M
9.57M – 11.72M
+4.0% YoY
Net Income
387.40M
est: 272.97M (+41.9%)
313.68M
est: 313.57M (+0.0%)
169.66M
est: 192.62M (-11.9%)
60.34M
est: 119.82M (-49.6%)
267.92M
est: 164.81M (+62.6%)
252.86M
est: 426.26M (-40.7%)
579.47M
est: 512.19M (+13.1%)
542.12M
470.79M – 613.45M
+5.8% YoY
569.94M
494.96M – 644.93M
+5.1% YoY
600.59M
521.57M – 679.61M
+5.4% YoY
SGA
1.07B
est: 549.83M (+94.2%)
1.38B
est: 665.73M (+106.8%)
975.40M
est: 660.72M (+47.6%)
1.09B
est: 731.06M (+48.7%)
1.17B
est: 1.18B (-0.8%)
1.11B
est: 1.04B (+6.5%)
1.00B
est: 1.15B (-12.7%)
1.25B
1.13B – 1.38B
+8.9% YoY
1.32B
1.04B – 1.61B
+5.7% YoY
1.38B
1.24B – 1.52B
+4.0% YoY
EPS
0.74
est: 0.47 (+57.9%)
0.53
est: 0.54 (-1.6%)
0.29
est: 0.33 (-12.3%)
0.10
est: 0.21 (-51.4%)
0.46
est: 0.28 (+62.5%)
0.43
est: 0.72 (-40.2%)
0.98
est: 0.86 (+13.4%)
0.91
0.79 – 1.04
+5.8% YoY
0.96
0.84 – 1.09
+5.1% YoY
1.01
0.88 – 1.15
+5.4% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-08 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-05-07 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-05-06 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-05-05 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-05-04 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-04-30 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-04-29 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-04-28 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-04-27 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-04-24 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-04-23 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-04-22 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-04-20 B+ 3/5 1/5 4/5 4/5 1/5 4/5 4/5
2026-04-17 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5
2026-04-16 B+ 3/5 1/5 4/5 5/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-121.26M
OE per share TTM
-0.19
Owner's Yield
-3.70%
Maintenance CapEx ratio
2.50%
Maint CapEx / Avg PPE
3.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 10 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Avantis Emerging Markets Small Cap Equity ETF AVEE 0.01% 15.7K 0.42%
2 Avantis Responsible Emerging Markets Equity ETF AVSE 0.01% 14.3K 0.33%
3 Avantis Emerging Markets Equity UCITS ETF USD Acc AVEM.L 0.00% 8.2K 0.35%
4 Dimensional - Emerging Markets Value ETF DFEV 0.00% 63.9K 0.46%
5 Dimensional - Emerging Markets Core Equity 2 ETF DFEM 0.00% 256.9K 0.39%
6 Dimensional - Emerging Core Equity Market ETF DFAE 0.00% 200.8K 0.29%
7 Dimensional World ex U.S. Core Equity 2 ETF DFAX 0.00% 193.3K 0.28%
8 Avantis Emerging Markets Equity ETF AVEM 0.00% 59.1K 0.33%
9 Dimensional - Emerging Markets ex China Core Equity ETF DEXC 0.00% 435.41 0.56%
10 Avantis Emerging Markets ex-China Equity ETF AVXC 0.00% 210.23 0.33%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
487.7K
Shares Outstanding
233.73M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Andrea Milan dos Santos Member of Executive Board & Director female
Carlos Andre Hermesindo da Silva Controller, Chief Financial Officer and Finance, Risks, Compliance Officer & Member of Exe. Board male
Edilson Pereira Jardim Member of the Executive Board & Director male
Eduardo Vasconcelos Antonio Member of Executive Board & Director
Flavio Pentagna Guimaraes Neto Executive Vice President, Investor Relations Officer & Member of the Executive Board male
João Guilherme de Andrade So Consiglio Executive Vice President & Member of Executive Board male
Luciana Buchmann Freire Director & Member of the Executive Board female
Luis Felix Cardamone Neto Chief Executive Officer & Member of Executive Board male
Ricardo Tadashi Takeyama Director & Member of Executive Board male
Roberto Fonseca Simoes Filho Director & Member of Executive Board male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits