Banco Pan (BPAN4.SA) Stock Price
Banco Pan Price
Revenue has compounded at 9.4% per year over the past 19 years to 6.12 B BRL. Earnings per share have declined at 1.5% per year over the last 18 years. Banco Pan's net margin stands at 7.3%, up from 5.9% several years earlier. The payout ratio is around 63% of earnings. The dividend has grown at 11.3% per year over the past 16 years.
Banco Pan stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Banco Pan over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Banco Pan stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Banco Pan's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | Banco Pan Price |
|---|
Banco Pan Revenue, Net Income
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Banco Pan Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEB BRL |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEB BRL |
| NET INCOMEB BRL |
| NET INCOME GROWTH% |
| DIVIDENDDIV.BRL |
| DIVIDEND GROWTHDIV. GROWTH% |
| SHARESB |
| 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024e | 2025e | 2026e | 2027e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 5.91 | 5.43 | 6.28 | 8.45 | 8.12 | 8.95 | 7.82 | 8.76 | 10.15 | 11.29 | 15.37 | 6.12 | 11.01 | 11.36 | 13.62 | 16.44 |
| -2.09 | -8.09 | 15.74 | 34.48 | -3.84 | 10.21 | -12.60 | 11.94 | 15.93 | 11.20 | 36.12 | -60.17 | 79.89 | -0.26 | 19.85 | -7.60 |
| 103.47 | 112.59 | 97.28 | 72.33 | 75.22 | 68.25 | 78.09 | 69.76 | 60.18 | 49.89 | 52.74 | 99.82 | 99.82 | 99.82 | 99.82 | 99.82 |
| 6.11 | 6.11 | 6.11 | 6.11 | 6.11 | 6.11 | 6.11 | 6.11 | 6.11 | 5.63 | 8.11 | 6.11 | 10.99 | 11.34 | 13.59 | 16.41 |
| -0.36 | -0.15 | 0.01 | 0.01 | -0.24 | 0.21 | 0.22 | 0.52 | 0.66 | 0.77 | 0.71 | 0.44 | 0.91 | 0.86 | 1.34 | 1.88 |
| -257.58 | -58.52 | -104.64 | 14.29 | -3,062.50 | -189.45 | 4.25 | 133.03 | 27.18 | 18.17 | -8.79 | -37.11 | 103.83 | 1.53 | 54.75 | 2.96 |
| 0.07 | – | – | – | – | – | – | – | 0.37 | 0.22 | – | 0.22 | 0.27 | 0.39 | – | – |
| – | – | – | – | – | – | – | – | – | -40.54 | – | – | 22.73 | 21.88 | – | – |
| 0.54 | 0.54 | 0.39 | 0.39 | 0.93 | 0.93 | 1.14 | 1.21 | 1.21 | 1.21 | 1.26 | 1.27 | 1.27 | 1.27 | 1.27 | 1.27 |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Banco Pan generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Banco Pan retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Banco Pan's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Banco Pan has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Banco Pan's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Banco Pan stock margins
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Banco Pan Revenue per Share, Earnings per Share
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Banco Pan business model & stock analysis
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.
Banco Pan Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
Banco Pan historical P/E ratio, EBIT multiple, and P/S ratio
Banco Pan annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Banco Pan shares outstanding
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Banco Pan Dividend History
14 years of dividend payments
Banco Pan dividend history and estimates
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Banco Pan dividend payout ratio
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Banco Pan Earnings Estimates
| Date | EPS estimate | Revenue Estimate | Quarterly report |
|---|---|---|---|
| 5/2/2024 | 0.19BRL | 2.24 BBRL | 2024 Q1 |
| 2/6/2024 | 0.17BRL | 2.29 BBRL | 2023 Q4 |
| 8/7/2023 | 0.19BRL | -BRL | 2023 Q2 |
| 5/2/2023 | 0.19BRL | -BRL | 2023 Q1 |
| 2/6/2023 | 0.18BRL | -BRL | 2022 Q4 |
| 11/3/2022 | 0.16BRL | -BRL | 2022 Q3 |
| 8/8/2022 | 0.20BRL | 2.17 BBRL | 2022 Q2 |
| 5/3/2022 | 0.20BRL | -BRL | 2022 Q1 |
| 11/3/2021 | 0.18BRL | -BRL | 2021 Q3 |
| 7/30/2021 | 0.15BRL | -BRL | 2021 Q2 |
EESG©
Eulerpool ESG Scorecard© for the Banco Pan stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
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 shareholder structure
| % | Name |
|---|---|
25.38295% | |
2.38030% | |
1.97636% | |
1.81883% | |
0.70435% | |
0.61066% |
Banco Pan Executives and Management Board
Mr. Roberto Balls Sallouti
(52)Chairman of the Board
Mr. Andre Calabro
(51)Chief Executive Officer, Member of the Executive Board
Mr. Leonardo Ricci Scutti
Chief Financial and Investor Relations Officer, Member of the Executive Board
Mr. Caio Cassano
(43)Member of the Executive Board
Mr. Bruno Emil Peuker
(43)Member of the Executive Board
Frequently asked questions about Banco Pan
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.
Banco Pan stock
Banco Pan Peer Group
Banco Pan Ticker
Banco Pan FIGI
All fundamentals and in-depth analysis of Banco Pan
Our stock analysis for Banco Pan 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. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.