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Overview
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Banco Pan stock

BPAN4.SA
BRBPANACNPR1

Price

7.35
Today +/-
-0.01
Today %
-1.08 %

Banco Pan stock price

%
Weekly
Details

Price

Overview

The Quote Chart provides detailed and dynamic insights into the Banco Pan stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Banco Pan stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Banco Pan stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Banco Pan's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Banco Pan Stock Price History

DateBanco Pan Price
2/16/20257.35 undefined
2/13/20257.43 undefined
2/12/20257.10 undefined
2/11/20256.84 undefined
2/10/20256.82 undefined
2/9/20256.72 undefined
2/6/20256.65 undefined
2/5/20256.94 undefined
2/4/20256.80 undefined
2/3/20256.73 undefined
2/2/20256.85 undefined
1/30/20256.90 undefined
1/29/20256.99 undefined
1/28/20256.80 undefined
1/27/20256.82 undefined
1/26/20256.95 undefined
1/23/20256.78 undefined
1/22/20256.59 undefined
1/21/20256.56 undefined
1/20/20256.66 undefined

Banco Pan Revenue, EBIT, Net Income

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Revenue
Net Income
Details

Revenue, EBIT and Profit

Understanding Revenue, EBIT, and Income

Gain insights into Banco Pan, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Banco Pan from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Banco Pan’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Banco Pan. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Banco Pan’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Banco Pan’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Banco Pan’s growth potential.

Banco Pan Revenue, EBIT and net profit per share

DateBanco Pan RevenueBanco Pan Net Income
2026e15.81 B undefined773.25 M undefined
2025e12.79 B undefined593.45 M undefined
2024e11.06 B undefined435.99 M undefined
20236.12 B undefined444.04 M undefined
202215.37 B undefined706.11 M undefined
202111.29 B undefined774.6 M undefined
202010.15 B undefined655.6 M undefined
20198.76 B undefined515.9 M undefined
20187.82 B undefined221.5 M undefined
20178.95 B undefined212.6 M undefined
20168.12 B undefined-237.2 M undefined
20158.45 B undefined8.1 M undefined
20146.28 B undefined7.8 M undefined
20135.43 B undefined-151.7 M undefined
20125.91 B undefined-364.6 M undefined
20116.03 B undefined231.1 M undefined
20100 undefined231.1 M undefined
20090 undefined174 M undefined
20080 undefined95.6 M undefined
20070 undefined130 M undefined
20060 undefined72.4 M undefined
20050 undefined122.4 M undefined
20040 undefined-14.9 M undefined

Banco Pan Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (B)EBIT (B)EBIT MARGIN (%)NET INCOME (M)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (B)DOCUMENTS
200420052006200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e
00000006.035.915.436.288.458.128.957.828.7610.1511.2915.376.1211.0612.7915.81
---------2.09-8.0915.7434.48-3.8410.21-12.6011.9415.9311.2036.12-60.1780.7415.5923.63
-------101.31103.47112.5997.2872.3375.2268.2578.0969.7660.1849.8952.7499.8255.2347.7838.65
000000000000000005.638.116.11000
000000000000000000.771.070.68-0.46-0.24-0.06
-----------------------
-141227213095174231231-364-15178-237212221515655774706444435593773
--971.43-40.9880.56-26.9283.1632.76--257.58-58.52-104.6414.29-3,062.50-189.454.25133.0327.1818.17-8.79-37.11-2.0336.3230.35
-----------------------
-----------------------
0.270.270.270.260.250.250.250.250.540.540.390.390.930.931.141.211.211.211.261.27000
-----------------------
Details

Keystats

Revenue and Growth

The Banco Pan Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Banco Pan is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (B)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (B)CURRENT ASSETS (B)TANGIBLE ASSETS (M)LONG-T. INVEST. (B)LONG-T. REC. (B)INTANGIBLE ASSETS (M)GOODWILL (B)OTHER NON-CURRENT ASSETS (B)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (B)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (B)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (B)LIABILITIES (B)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (B)LONG-TERM DEBT PORTION (B)SHORT-TERM REC. (B)LONG-T. LIAB. (B)DEFERRED TAXES (M)OTHER LIAB. (B)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
20042005200620072008200920102011201220132014201520162017201820192020202120222023
                                       
0000000000000000006.230.21
00000000000000000000
00000000000000000000
000000000000000000276.180
0000000000000000003.333.31
0000000000000000009.843.52
27291471842403716426555503828242923102136.73118.55
0000000000000.050000.010.020.036.81
0000000000000000001.561.05
-7-10-1443289253136594841861215763160.78250.05
000000000.240.220.190.170.140.120.090.070.040.051.110.45
00000002.7500000000003.31.04
0.020.020.130.020.050.040.052.780.310.310.280.280.280.180.20.220.130.246.39.73
0.020.020.130.020.050.040.052.780.310.310.280.280.280.180.20.220.130.2416.1413.25
                                       
0.250.310.311.011.111.111.111.112.872.873.463.463.463.463.653.654.184.185.935.93
0000000000000005220000
-0.010.060.110.170.080.21-1.51-0.14-0.39-0.550.20.2-0.030.110.450.771.171.642.031.24
000000000000000000191.82208.68
00000000-1-16-24-20-14-13-8-14-24-20-17.370
0.240.370.421.181.191.31-0.40.972.472.313.643.643.413.564.14.935.325.88.137.37
000000000.01000.030.010.660000023.75
000135641005223431631362660000
3750971953344806260993337181153156132139442537562249.29292.68
0.250.090.220.230.210.731.602.873.614.784.184.213.340.880.956.6510.5716.50.18
000000000.270.190.160.250.090.090.942.811.492.462.270
0.280.140.320.430.61.252.2204.144.145.134.614.514.382.094.478.6813.5919.0224.22
000.40.480.60.221.052.183.34.243.233.562.922.382.41.230.010.830.7916.61
0000000231000000000088.53289.3
0.841.061.772.394.073.276.715.8321.642.031.912.331.862.032.422.953.653.59-18.69
0.841.062.172.874.673.497.778.245.35.885.265.475.254.244.433.652.964.484.47-1.79
1.131.22.493.315.274.749.998.249.4410.0210.3910.099.768.626.528.1111.6418.0723.4922.43
1.371.572.914.486.466.059.599.2211.9112.3314.0313.7313.1712.1810.6213.0416.9623.8731.6229.81
Details

Balance Sheet

Understanding the Balance Sheet

The balance sheet of Banco Pan provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Banco Pan's financial health and stability.

Assets

Banco Pan's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Banco Pan must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Banco Pan after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Banco Pan's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (B)NON-CASH ITEM (B)PAID INTEREST (B)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (B)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (B)CASH FLOW FROM OTHER INVESTING ACTIVITIES (B)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (B)NET CHANGE IN EQUITY (B)CASH FLOW FROM FINANCING ACTIVITIES (B)CASH FLOW FROM OTHER FINANCING ACTIVITIES (B)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (B)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
2006200720082009201020112012201320142015201620172018201920202021202120222023
7213095174-322-322-648-15178-237212221515655489774706442
88655510465454645751671319010223398
-30-59-123-2600035-98-199-19738216-466-82166-3932074
0.16-0.62-1.030.3-1.7-1.7-0.82-0.81-2.021.981-0.33-0.340.44-1.010-2.781.86-6.68
0.090.220.290.330.270.270.190.320.290.230.360.550.310.010.441.07-0.15-0.141.22
000000000000003.112.412.1604.2
0000373700000000010900136
0.3-0.32-0.760.77-1.75-1.75-1.27-0.56-1.772.070.990.530.460.570.140-2.092.98-4.9
-123-3-29-6-10-10-57-54-31-48-24-20-69-83-380-162-213-22
-0.20-0.21-0.22-0.4-0.4-0.850.070.380.040.070.830.30.03-0.770-3.01-2.242.89
-0.070-0.18-0.21-0.39-0.39-0.80.120.410.080.090.860.370.12-0.740-2.85-2.035.78
0000000000000000000
0.07-0.08-0.07-0.08-0.08-0.080.581.17-0.52-0.97-1.44-0.12-0.14-0.34-2.5200.860-0.38
00-0.0201.921.921.7601.330000.40.52000-0.23-0.19
0.320.80.31-0.091.821.822.341.140.77-2.01-1.44-1.22-0.910.610.6503.85-0.742.15
0.270.940.430.05-0-00-0.03-0.04-1.040-1.1-1.10.513.3703.25-0.23.51
-16-62-20-62-16-1600-1-300-69-86-2010-254-296-320
0.430.48-0.660.46-0.33-0.330.210.65-0.620.09-0.380.15-0.151.210.020-1.2500.14
178.9-323.5-790768.2-1,760-1,760-1,329-611.9-1,799.82,023.2964.7510.4391.3488.4102.70-2,251.82,765.42-4,923.09
0000000000000000000

Banco Pan stock margins

The Banco Pan margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Banco Pan. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Banco Pan.
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  • Max

Profit margin
Details

Margin

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Banco Pan's sales revenue. A higher gross margin percentage indicates that the Banco Pan retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Banco Pan's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Banco Pan's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Banco Pan's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Banco Pan. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Banco Pan's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Banco Pan Margin History

DateBanco Pan Profit margin
2026e4.89 %
2025e4.64 %
2024e3.94 %
20237.25 %
20224.59 %
20216.86 %
20206.46 %
20195.89 %
20182.83 %
20172.37 %
2016-2.92 %
20150.1 %
20140.12 %
2013-2.79 %
2012-6.17 %
20113.83 %
20100 %
20090 %
20080 %
20070 %
20060 %
20050 %
20040 %

Banco Pan Stock Sales Revenue, EBIT, Earnings per Share

The Banco Pan earnings per share therefore indicates how much revenue Banco Pan has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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  • Max

Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue Banco Pan earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Banco Pan's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Banco Pan’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Banco Pan's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Banco Pan Revenue, EBIT and net profit per share

DateBanco Pan Sales per ShareBanco Pan Earnings per Share
2026e25.85 undefined1.26 undefined
2025e20.91 undefined0.97 undefined
2024e18.09 undefined0.71 undefined
20234.82 undefined0.35 undefined
202212.23 undefined0.56 undefined
20219.37 undefined0.64 undefined
20208.43 undefined0.54 undefined
20197.27 undefined0.43 undefined
20186.85 undefined0.19 undefined
20179.64 undefined0.23 undefined
20168.74 undefined-0.26 undefined
201521.44 undefined0.02 undefined
201415.94 undefined0.02 undefined
201310.06 undefined-0.28 undefined
201210.95 undefined-0.68 undefined
201124.49 undefined0.94 undefined
20100 undefined0.94 undefined
20090 undefined0.69 undefined
20080 undefined0.38 undefined
20070 undefined0.5 undefined
20060 undefined0.27 undefined
20050 undefined0.46 undefined
20040 undefined-0.06 undefined

Banco Pan business model

Banco Pan SA is a Brazilian bank that has been operating in the market since 1969 and is based in São Paulo. The company was founded by three major automobile manufacturers: Ford Motor Company, Volkswagen AG, and Mercedes-Benz AG. The goal was to offer financing solutions for car buyers. Over the years, Banco Pan has evolved into a full-service bank and now offers a wide range of financial products and services. The bank's business model focuses on the retail market, including providing banking and financial services to retail customers, small and medium-sized enterprises, and auto dealers. Banco Pan's various divisions can be divided into three main areas: Retail, Wholesale, and Insurance. In the Retail segment, the bank offers products such as checking accounts, credit cards, loans, investments, and insurance. In the Wholesale segment, it offers corporate solutions such as corporate loans, foreign exchange trading, and treasury solutions. The insurance segment focuses on selling car insurance and other non-life insurance products. One of Banco Pan's most well-known services is its auto financing service. The bank works closely with automobile manufacturers to offer financing solutions to customers who want to buy a new or used car. The loan process is quick and easy, and the terms are typically flexible and competitive. In 2011, Banco Pan merged with Caixa Econômica Federal, the second-largest state-owned bank in Brazil. The merger expanded Banco Pan's business and allowed the bank to expand its retail and wholesale offerings and strengthen its market position. Currently, Banco Pan is a subsidiary of the investment group BTG Pactual and has over 5 million customers in Brazil. The bank has an extensive network of branches and ATMs throughout the country, allowing customers to access their accounts and financial services when needed. Overall, Banco Pan has become a versatile bank over the past few decades, offering financial solutions for various customer segments. From auto financing services to corporate financing solutions, the company is committed to providing its customers with a wide range of services and products. With a broad range of services, a strong presence in the market, and an extensive network of branches and ATMs, Banco Pan is well positioned to remain a key player in the Brazilian financial sector in the future. Banco Pan is one of the most popular companies on Eulerpool.com.

Banco Pan SWOT Analysis

Strengths

Banco Pan SA holds a significant market share in the financial industry, allowing it to establish a solid customer base and generate stable revenue streams.

The bank offers a wide range of financial products and services, including loans, credit cards, insurance, and investment options. This diversification helps Banco Pan SA cater to various customer needs and enhance its competitiveness.

Weaknesses

Banco Pan SA heavily relies on the performance of the Brazilian economy. Any downturn or instability in the market can significantly impact the bank's profitability and growth prospects.

The bank has a relatively small international presence, which makes it susceptible to fluctuations in the domestic market. Lack of geographic diversification may pose challenges for Banco Pan SA in terms of expanding its customer base and revenue streams.

Opportunities

With the increasing adoption of digital banking services, Banco Pan SA has the opportunity to leverage technology and offer innovative solutions that can attract tech-savvy customers and streamline its operations.

As the middle-class population continues to grow in Brazil, Banco Pan SA can tap into this expanding market segment by developing tailored financial products and services to cater to their specific needs and preferences.

Threats

Banco Pan SA faces fierce competition from both traditional banks and emerging digital banking players. This competitive landscape may erode the bank's market share and profitability if it fails to differentiate itself and deliver superior customer experiences.

Factors such as fluctuations in interest rates, inflation, and political instability in Brazil can create uncertainties in the financial market, affecting Banco Pan SA's ability to lend, attract investments, and manage risks effectively.

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Banco Pan Eulerpool Fair Value

Details

Fair Value

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Banco Pan historical P/E ratio, EBIT multiple, and P/S ratio

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Banco Pan shares outstanding

The number of shares was Banco Pan in 2024 — This indicates how many shares 1.27 B is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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Number of stocks
Details

Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue Banco Pan earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Banco Pan's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Banco Pan’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Banco Pan's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Banco Pan dividend history and estimates

In 2024, Banco Pan paid a dividend amounting to 0.24 BRL. Dividend means that Banco Pan distributes a portion of its profits to its owners.
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  • Max

Dividend
Dividend (Estimate)
Details

Dividend

Dividend Overview

The dividend per year chart for Banco Pan provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Banco Pan’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Banco Pan's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Banco Pan Dividend History

DateBanco Pan Dividend
2026e0.23 undefined
2025e0.23 undefined
2024e0.23 undefined
20230.22 undefined
20220.28 undefined
20210.22 undefined
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Banco Pan dividend payout ratio

In 2024, Banco Pan had a payout ratio of 45.23%. The payout ratio indicates the percentage of the company's profits that Banco Pan distributes as dividends.
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Payout ratio
Details

Payout ratio

What is Yearly Payout Ratio?

The yearly payout ratio for Banco Pan represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Banco Pan could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Banco Pan's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Banco Pan Payout Ratio History

DateBanco Pan Payout ratio
2026e48.32 %
2025e48.64 %
2024e45.23 %
202351.11 %
202249.58 %
202134.99 %
202068.75 %
201917.66 %
201832.17 %
201751.11 %
2016-1.3 %
20159.75 %
201451.11 %
201351.11 %
2012-10.05 %
201151.11 %
201014.21 %
200914.88 %
200867.26 %
200751.11 %
200651.11 %
200551.11 %
200451.11 %
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Unfortunately, there are currently no price targets and forecasts available for Banco Pan.

Banco Pan latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
9/30/20240.18 0.16  (-9.6 %)2024 Q3
6/30/20240.17 0.17  (-2.47 %)2024 Q2
3/31/20240.16 0.16  (-2.91 %)2024 Q1
12/31/20230.18 0.14  (-20.5 %)2023 Q4
9/30/20230.16 0.08  (-50.68 %)2023 Q3
6/30/20230.15 0.14  (-8.67 %)2023 Q2
3/31/20230.15 0.14  (-6.23 %)2023 Q1
12/31/20220.16 0.08  (-47 %)2022 Q4
9/30/20220.16 0.15  (-4.21 %)2022 Q3
6/30/20220.2 0.14  (-29.99 %)2022 Q2
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Eulerpool ESG Scorecard© for the Banco Pan stock

Eulerpool World ESG Rating (EESG©)

44/ 100

🌱 Environment

32

👫 Social

79

🏛️ Governance

20

Environment

Scope 1 - Direct Emissions
37
Scope 2 - Indirect emissions from purchased energy
97
Scope 3 - Indirect emissions within the value chain
2,450
Total CO₂ emissions
134
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees44
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Banco Pan shareholders

%
Name
Stocks
Change
Date
46.81565 % Banco BTG Pactual SA286,282,356-2,193,9009/19/2024
4.94358 % BTG Pactual WM Gestão de Recursos Ltda.30,230,500-2,535,55610/29/2024
4.07189 % Credit Suisse Hedging-Griffo Asset Management S.A.24,900,00008/31/2024
3.77749 % Unity Capital Gestora de Investimentos Ltda.23,099,73008/31/2024
2.23203 % Absolute Gest¿o de Investimentos Ltda.13,649,1044,901,5425/31/2024
1.49022 % Investis Asset Management S.A. S.G.F.C.I9,112,817-262,8529/30/2024
1.45811 % The Vanguard Group, Inc.8,916,510-1,576,9819/30/2024
1.39028 % Meraki Capital Gestao de Recursos Ltda8,501,698-100,0006/30/2024
0.83606 % Matthews International Capital Management, L.L.C.5,112,600-898,5006/30/2024
0.77459 % BlackRock Institutional Trust Company, N.A.4,736,671154,5199/30/2024
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Most common questions regarding Banco Pan

What values and corporate philosophy does Banco Pan represent?

Banco Pan SA represents the values of transparency, integrity, and customer-centricity. With a strong focus on providing financial solutions and services, the company aims to foster trust and long-term relationships with its clients. Banco Pan SA believes in delivering innovative, reliable, and personalized banking experiences to its customers. Through its corporate philosophy, the company strives to be a trusted partner, offering accessible and inclusive financial solutions for individuals and businesses alike. Banco Pan SA prioritizes sustainable growth while maintaining the highest levels of ethics and social responsibility within the financial industry.

In which countries and regions is Banco Pan primarily present?

Banco Pan SA is primarily present in Brazil, serving as one of the country's leading financial institutions. With its headquarters located in São Paulo, the bank operates throughout various regions of Brazil, including but not limited to Rio de Janeiro, Minas Gerais, Bahia, and São Paulo itself. This widespread presence allows Banco Pan SA to cater to the diverse financial needs of individuals and businesses across the nation, offering a range of banking and financial services. As a prominent player in the Brazilian market, Banco Pan SA focuses on delivering innovative solutions and excellent customer service to its clients.

What significant milestones has the company Banco Pan achieved?

Banco Pan SA has achieved several significant milestones throughout its history. One of the notable achievements of Banco Pan SA is its successful merger with Caixa Econômica Federal in 2011, strengthening its position in the financial market. The company also reached a milestone by becoming a publicly traded company in 2017, enhancing its transparency and accountability. Furthermore, Banco Pan SA has consistently expanded its customer base and diversified its product offerings, thereby solidifying its presence in the banking industry. Through these accomplishments, Banco Pan SA has established itself as a reliable and prominent financial institution in Brazil.

What is the history and background of the company Banco Pan?

Banco Pan SA, short for Banco Panamericano SA, is a notable Brazilian financial institution. Established in 1969, Banco Pan has a rich history and background. Originally founded as a consumer finance company, it gradually expanded its services to become a full-fledged bank. The company primarily focuses on providing various financial solutions such as loans, credit cards, and saving accounts to individuals and small-to-medium enterprises. Over the years, Banco Pan has garnered a strong reputation for its commitment to customer service and extensive branch network. With a dedication to financial inclusion and innovation, Banco Pan SA continues to play a prominent role in the Brazilian banking sector.

Who are the main competitors of Banco Pan in the market?

The main competitors of Banco Pan SA in the market are other leading financial institutions such as Banco do Brasil, Itau Unibanco, Bradesco, and Santander.

In which industries is Banco Pan primarily active?

Banco Pan SA is primarily active in the financial industry.

What is the business model of Banco Pan?

The business model of Banco Pan SA revolves around providing financial services and solutions to individuals and corporates in Brazil. As one of the leading banks, Banco Pan SA offers a range of products such as loans, credit cards, investment opportunities, and insurance options. By leveraging its expertise in the financial industry, Banco Pan SA aims to enhance the economic wellbeing of its customers, fostering growth and stability in the Brazilian market. With a customer-centric approach and a focus on delivering innovative and tailored financial solutions, Banco Pan SA strives to be a trusted partner for all banking needs in Brazil.

What is the P/E ratio of Banco Pan 2025?

The Banco Pan P/E ratio is 15.73.

What is the P/S ratio of Banco Pan 2025?

The Banco Pan P/S ratio is 0.73.

What is the Quality Investing of Banco Pan?

The Quality Investing for Banco Pan is 2/10.

What is the revenue of Banco Pan 2025?

The expected Banco Pan revenue is 12.79 B BRL.

How high is the profit of Banco Pan 2025?

The expected Banco Pan profit is 593.45 M BRL.

What is the business model of Banco Pan

Banco Pan SA is a leading Brazilian financial institution that offers a wide range of financial services to its customers. The company operates in several business areas, including banking, lending, insurance, payment processing, and asset management. It also has several subsidiaries, including a real estate financing company, a convertible bond company, and a debt securities company. Banco Pan SA offers various banking products and services, including savings accounts, checking accounts, credit cards, loans, mortgages, investments, private pension plans, and household and auto insurance. It has also introduced an online banking business to make it easier for customers to manage their banking transactions online. One of Banco Pan SA's main sources of income is lending to customers. The bank offers different types of loans, ranging from personal loans, vehicle loans, real estate loans, and consumer loans. The company has also introduced a special credit for farmers and agricultural companies. Another important business area for Banco Pan SA is insurance. The company offers various insurance policies to ensure the protection and well-being of its customers. This includes accident, health, life, liability, travel, auto, and household insurance. Payment processing is another important pillar of Banco Pan SA. The company offers a wide range of payment processing products, such as debit and credit cards, digital payments, online transfers, and mobile payments. Banco Pan SA is also involved in asset management and offers customers a wide range of investment products, such as investment funds, stocks, bonds, and structured products. The company also has its own research team that assists customers in identifying lucrative investment opportunities. The company has a strong presence in the Brazilian market and serves the needs of retail customers, small businesses, and large corporations. Banco Pan SA is headquartered in Sao Paulo and operates branches in several cities and municipalities. Additionally, it also offers online banking to reach customers throughout Brazil. In summary, Banco Pan SA is a financial services company that specializes in the diversification of banking products, lending, insurance, payment processing, and asset management. The company caters to a wide range of customers and has a strong presence in the Brazilian market.

What is the Banco Pan dividend?

Banco Pan pays a dividend of 0.28 BRL distributed over payouts per year.

How often does Banco Pan pay dividends?

The dividend cannot currently be calculated for Banco Pan or the company does not pay out a dividend.

What is the Banco Pan ISIN?

The ISIN of Banco Pan is BRBPANACNPR1.

What is the Banco Pan ticker?

The ticker of Banco Pan is BPAN4.SA.

How much dividend does Banco Pan pay?

Over the past 12 months, Banco Pan paid a dividend of 0.22 BRL . This corresponds to a dividend yield of about 2.93 %. For the coming 12 months, Banco Pan is expected to pay a dividend of 0.23 BRL.

What is the dividend yield of Banco Pan?

The current dividend yield of Banco Pan is 2.93 %.

When does Banco Pan pay dividends?

Banco Pan pays a quarterly dividend. This is distributed in the months of June, January, January, January.

How secure is the dividend of Banco Pan?

Banco Pan paid dividends every year for the past 9 years.

What is the dividend of Banco Pan?

For the upcoming 12 months, dividends amounting to 0.23 BRL are expected. This corresponds to a dividend yield of 3.07 %.

In which sector is Banco Pan located?

Banco Pan is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Banco Pan kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Banco Pan from 1/24/2025 amounting to 0.241 BRL, you needed to have the stock in your portfolio before the ex-date on 12/26/2024.

When did Banco Pan pay the last dividend?

The last dividend was paid out on 1/24/2025.

What was the dividend of Banco Pan in the year 2024?

In the year 2024, Banco Pan distributed 0.215 BRL as dividends.

In which currency does Banco Pan pay out the dividend?

The dividends of Banco Pan are distributed in BRL.

All fundamentals about Banco Pan

Our stock analysis for Banco Pan Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Banco Pan Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.