Banco Pan

Banco Pan EBIT

Delisted

The EBIT of Banco Pan (BPAN4.SA) as of Nov 14, 2026 is 675.64 M BRL. In the previous year, EBIT was 1.07 B BRL — a change of -36.83% (lower).

EBIT

675.64 MBRL

YoY

-36.83%

Last updated:

In 2023, Banco Pan's EBIT was 675.64 M BRL, a -36.83% increase from the 1.07 B BRL EBIT recorded in the previous year.

The Banco Pan EBIT history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

EBIT
Date
EBIT
Jan 1, 2021
765.44 M BRL
Jan 1, 2022
1.07 B BRL
Jan 1, 2023
675.64 M BRL
Jan 1, 2024 (e)
-400.98 M BRL
Jan 1, 2025 (e)
896.83 M BRL
Jan 1, 2026 (e)
1.07 B BRL
Jan 1, 2027 (e)
1.40 B BRL
The Banco Pan EBIT history
YEAREBITYoY
est1.40 BBRL+30.64%
est1.07 BBRL+19.54%
est896.83 MBRL-323.66%
est-400.98 MBRL-159.35%
675.64 MBRL-36.83%
1.07 BBRL+39.74%
765.44 MBRL—

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Banco Pan Revenue

Banco Pan Revenue, Net Income

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue
Net Income
Details
Date
Revenue
Net Income
Jan 1, 2022
15.37 B BRL
706.11 M BRL
Jan 1, 2023
6.12 B BRL
444.04 M BRL
Jan 1, 2024 (e)
11.01 B BRL
905.49 M BRL
Jan 1, 2025 (e)
11.39 B BRL
851.86 M BRL
Jan 1, 2025 (e)
11.36 B BRL
864.24 M BRL
Jan 1, 2026 (e)
13.62 B BRL
1.34 B BRL
Jan 1, 2027 (e)
17.79 B BRL
1.82 B BRL
Jan 1, 2027 (e)
16.44 B BRL
1.88 B BRL

Banco Pan Margins

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.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Profit margin
Details
Date
Profit margin
Jan 1, 2022
4.59 %
Jan 1, 2023
7.25 %
Jan 1, 2024 (e)
8.22 %
Jan 1, 2025 (e)
7.48 %
Jan 1, 2025 (e)
7.61 %
Jan 1, 2026 (e)
9.83 %
Jan 1, 2027 (e)
10.25 %
Jan 1, 2027 (e)
11.42 %

Banco Pan Stock analysis

What does Banco Pan do? 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.

EBIT Details

Analyzing Banco Pan's EBIT

Banco Pan's Earnings Before Interest and Taxes (EBIT) represents the company's operating profit. It is calculated by deducting all operating expenses, including the cost of goods sold (COGS) and operating expenses, from the total revenue, but before accounting for interest and taxes. It provides insights into the company’s operational profitability, excluding the impacts of financing and tax structures.

Year-to-Year Comparison

A yearly comparison of Banco Pan's EBIT can reveal trends in the company’s operational efficiency and profitability. An increase in EBIT over the years can indicate enhanced operational efficiency or growth in revenue, while a decrease might raise concerns about increased operating costs or declining sales.

Impact on Investments

Banco Pan's EBIT is a significant metric for investors. A positive EBIT suggests that the company is generating enough revenue to cover its operating expenses, an essential aspect for assessing the company’s financial health and stability. Investors closely monitor EBIT to gauge the company’s profitability and potential for future growth.

Interpreting EBIT Fluctuations

Fluctuations in Banco Pan’s EBIT can be due to variations in revenue, operating expenses, or both. An increasing EBIT indicates improved operational performance or increased sales, while a declining EBIT can signal rising operational costs or reduced revenue, prompting a need for strategic adjustments.

Frequently Asked Questions about Banco Pan stock

EBIT of Banco Pan is 675.64 M BRL in 2023.

EBIT of Banco Pan changed from 1.07 B BRL to 675.64 M BRL, representing a -36.83% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of EBIT Banco Pan since 2006 – with annual values, charts, and detailed analysis.

"Earnings before interest and taxes", abbreviated as EBIT, is also referred to as the operating result of a company. It is a key figure that allows the profit to be assessed over a specific period of time, usually a fiscal year. Taxes and interest are not deducted from EBIT, making it suitable for international comparisons of different companies.

Net income
+ Tax expense
+ Interest expense and other financial expenses
- Interest income and other financial income
= EBIT (operating profit)

EBIT's BRL is a key factor for investors. Changes in this metric can signal improving or deteriorating fundamentals, directly impacting the stock price. On Eulerpool, you can track EBIT's Banco Pan historically and in real time.

The sales revenue is important for evaluating a stock.

EBIT is an acronym for "Earnings Before Interest and Tax" and represents a company's gross profit before taxes and interest are deducted. The EBIT amount is often used as a metric to evaluate a company.

History

The EBIT was originally introduced in the 1940s when the US Internal Revenue Service (IRS) passed a new tax law. This law required companies to calculate their profit before deducting taxes and interest on loans (or "interest and taxes"). Since then, the EBIT has been used as one of the key financial indicators in evaluating a company.

Usage

The EBIT can be used to assess a company by comparing its financial results to a benchmark or a comparative value. The EBIT is also used to determine how much the company's shareholders will receive from its operating income.

Calculation

EBIT is calculated by deducting taxes and interest on loans from the company's net profit. This amount can be calculated in various ways, but the most common method is as follows:

EBIT = Net profit + interest and taxes

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Net profit of XYZ Co. = $1,000,000
Interest and taxes = $ 500,000
EBIT of XYZ Co. = $1,500,000

Application

The EBIT value is often used to determine and evaluate the financial stability of a company. The EBIT value can also be used to determine how much money a company can spend on investments or dividends.

Use of EBIT in stock investment

Investors use EBIT to determine if a stock is over- or undervalued. If a company has a high EBIT value, it may indicate that its stock is overvalued, as the profit it generates could be lower than what it would generate with a different stock.

Advantages of EBIT

EBIT is a helpful measure for determining the financial stability of a company. There are several advantages associated with using EBIT, such as:
- EBIT eliminates the impact of financing on the company's earnings.
- It is a useful measure for determining the profits that a company can distribute to its shareholders.
- It can be used to determine whether a stock is overvalued or undervalued.

Disadvantages of EBIT

There are also some disadvantages to using EBIT, such as:
- EBIT cannot be used as the sole measure to evaluate a company as it does not reflect the overall profit of the company.
- EBIT can be influenced by unforeseen events such as a tax increase.
- EBIT is not always a reliable indicator of a company's future profit development.

Conclusion

The EBIT is an important measure used to evaluate a company. It can be used to determine how much money a company can generate from its operational results and whether a stock is overvalued or undervalued. However, the EBIT also has some disadvantages as it does not reflect the overall profitability of a company and can be influenced by unforeseen events. Therefore, it is important to consider the EBIT in conjunction with other financial indicators to obtain a complete picture of the company.

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Income Statement — Banco Pan

All Key Metrics — Banco Pan