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Banco Hipotecario SA
Buy, Hold or Sell?

Let's analyze Hipotecario together

I guess you are interested in Banco Hipotecario SA. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Banco Hipotecario SA. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Hipotecario (30 sec.)










1.2. What can you expect buying and holding a share of Hipotecario? (30 sec.)

How much money do you get?

How much money do you get?
ARS0.00
When do you have the money?
1 year
How often do you get paid?
43.5%

What is your share worth?

Current worth
ARS248.03
Expected worth in 1 year
ARS439.25
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
ARS191.23
Return On Investment
47.5%

For what price can you sell your share?

Current Price per Share
ARS402.50
Expected price per share
ARS370.00 - ARS450.00
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Hipotecario (5 min.)




Live pricePrice per Share (EOD)
ARS402.50
Intrinsic Value Per Share
ARS8,191.01 - ARS9,835.47
Total Value Per Share
ARS8,439.04 - ARS10,083.49

2.2. Growth of Hipotecario (5 min.)




Is Hipotecario growing?

Current yearPrevious yearGrowGrow %
How rich?$372m$60.7m$201m76.8%

How much money is Hipotecario making?

Current yearPrevious yearGrowGrow %
Making money$17.8m$2.5m$15.2m85.4%
Net Profit Margin10.4%9.4%--

How much money comes from the company's main activities?

2.3. Financial Health of Hipotecario (5 min.)




2.4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Hipotecario?

Welcome investor! Hipotecario's management wants to use your money to grow the business. In return you get a share of Hipotecario.

First you should know what it really means to hold a share of Hipotecario. And how you can make/lose money.

Speculation

The Price per Share of Hipotecario is ARS402.50. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Hipotecario.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Hipotecario, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is ARS248.03. Based on the TTM, the Book Value Change Per Share is ARS47.81 per quarter. Based on the YOY, the Book Value Change Per Share is ARS8.57 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is ARS0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Hipotecario.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 ARS% of Price per ShareARS% of Price per ShareARS% of Price per ShareARS% of Price per ShareARS% of Price per Share
Usd Eps0.010.0%0.010.0%0.000.0%0.000.0%0.000.0%
Usd Book Value Change Per Share0.020.0%0.050.0%0.010.0%0.010.0%0.010.0%
Usd Dividend Per Share0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%
Usd Total Gains Per Share0.020.0%0.050.0%0.010.0%0.010.0%0.010.0%
Usd Price Per Share0.41-0.21-0.02-0.05-0.05-
Price to Earnings Ratio13.14-7.30-3.70-8.04-13.41-
Price-to-Total Gains Ratio20.65-6.91-2.51-15.89-19.04-
Price to Book Ratio1.65-1.05-0.52-0.80-0.96-
Price-to-Total Gains Ratio20.65-6.91-2.51-15.89-19.04-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.4025
Number of shares2484
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.00
Usd Book Value Change Per Share0.050.01
Usd Total Gains Per Share0.050.01
Gains per Quarter (2484 shares)118.7529.92
Gains per Year (2484 shares)475.00119.69
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
104754650120110
209509400239230
30142514150359350
40190018900479470
50237523650598590
60285028400718710
70332533150838830
80380037900957950
9042754265010771070
10047504740011971190

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%11.01.00.091.7%16.04.00.080.0%19.04.00.082.6%19.04.00.082.6%
Book Value Change Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%22.01.00.095.7%22.01.00.095.7%
Dividend per Share0.00.04.00.0%2.00.010.016.7%7.00.013.035.0%10.00.013.043.5%10.00.013.043.5%
Total Gains per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%23.00.00.0100.0%23.00.00.0100.0%
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3.2. Key Performance Indicators

The key performance indicators of Banco Hipotecario SA compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--19.80547.806-59%8.575+131%12.044+64%10.784+84%
Book Value Per Share--248.027174.551+42%40.518+512%50.599+390%44.909+452%
Current Ratio----0%0.852-100%0.615-100%0.640-100%
Debt To Asset Ratio--0.8370.856-2%0.864-3%0.877-5%0.877-5%
Debt To Equity Ratio--5.3186.219-14%6.573-19%7.683-31%7.652-30%
Dividend Per Share----0%-0%0.002-100%0.017-100%
Eps--7.78111.873-34%1.876+315%2.770+181%2.443+218%
Free Cash Flow Per Share--162.31050.854+219%2.376+6731%12.422+1207%10.831+1399%
Free Cash Flow To Equity Per Share--162.31050.854+219%80.764+101%28.714+465%24.872+553%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max--9835.467--------
Intrinsic Value_10Y_min--8191.011--------
Intrinsic Value_1Y_max--209.138--------
Intrinsic Value_1Y_min--204.968--------
Intrinsic Value_3Y_max--1220.116--------
Intrinsic Value_3Y_min--1152.878--------
Intrinsic Value_5Y_max--2944.509--------
Intrinsic Value_5Y_min--2682.087--------
Market Cap306150747840.000-100%613500000000.000318731250000.000+92%32493750000.000+1788%78375805818.000+683%70815696838.913+766%
Net Profit Margin--0.0960.104-8%0.094+2%0.023+326%0.033+196%
Operating Margin----0%-0%-0%-0%
Operating Ratio----0%-0%0.086-100%0.176-100%
Pb Ratio1.623-2%1.6491.052+57%0.515+220%0.802+106%0.957+72%
Pe Ratio12.932-2%13.1407.300+80%3.705+255%8.042+63%13.413-2%
Price Per Share402.500-2%409.000212.488+92%21.663+1788%52.290+682%47.285+765%
Price To Free Cash Flow Ratio0.620-2%0.630-399.904+63580%-1.338+312%-81.038+12964%-70.238+11249%
Price To Total Gains Ratio20.323-2%20.6516.913+199%2.512+722%15.892+30%19.044+8%
Quick Ratio----0%0.003-100%0.010-100%0.012-100%
Return On Assets--0.0050.011-51%0.005-6%0.003+47%0.004+41%
Return On Equity--0.0330.075-56%0.041-20%0.025+30%0.027+22%
Total Gains Per Share--19.80547.806-59%8.575+131%12.046+64%10.800+83%
Usd Book Value--372040025.000261826268.250+42%60776668.500+512%75846890.700+391%67288795.478+453%
Usd Book Value Change Per Share--0.0200.048-59%0.009+131%0.012+64%0.011+84%
Usd Book Value Per Share--0.2480.175+42%0.041+512%0.051+390%0.045+452%
Usd Dividend Per Share----0%-0%0.000-100%0.000-100%
Usd Eps--0.0080.012-34%0.002+315%0.003+181%0.002+218%
Usd Free Cash Flow--243465043.00076281611.500+219%3564169.750+6731%18612484.650+1208%16227569.913+1400%
Usd Free Cash Flow Per Share--0.1620.051+219%0.002+6731%0.012+1207%0.011+1399%
Usd Free Cash Flow To Equity Per Share--0.1620.051+219%0.081+101%0.029+465%0.025+553%
Usd Market Cap306150747.840-100%613500000.000318731250.000+92%32493750.000+1788%78375805.818+683%70815696.839+766%
Usd Price Per Share0.403-2%0.4090.212+92%0.022+1788%0.052+682%0.047+765%
Usd Profit--11671994.00017808915.500-34%2596797.250+349%4123608.050+183%3636268.913+221%
Usd Revenue--121361870.000141793687.750-14%25676725.000+373%37284094.550+226%32938879.522+268%
Usd Total Gains Per Share--0.0200.048-59%0.009+131%0.012+64%0.011+83%
 EOD+4 -4MRQTTM+14 -15YOY+23 -85Y+26 -810Y+27 -7

3.3 Fundamental Score

Let's check the fundamental score of Banco Hipotecario SA based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1512.932
Price to Book Ratio (EOD)Between0-11.623
Net Profit Margin (MRQ)Greater than00.096
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.837
Debt to Equity Ratio (MRQ)Less than15.318
Return on Equity (MRQ)Greater than0.150.033
Return on Assets (MRQ)Greater than0.050.005
Total3/10 (30.0%)

3.4 Technical Score

Let's check the technical score of Banco Hipotecario SA based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5049.119
Ma 20Greater thanMa 50408.975
Ma 50Greater thanMa 100394.490
Ma 100Greater thanMa 200397.065
OpenGreater thanClose407.500
Total3/5 (60.0%)

4. In-depth Analysis

4.1 About Banco Hipotecario SA

Banco Hipotecario S.A. provides wholesale and retail banking services in Argentina. The company offers savings, current, and investor accounts; personal loans comprising destination, housing extension, and salary plans; home, life, personal accident, ATM robbery, moving goods, protected purchase, and comprehensive business insurance products, as well as cell protection. It also provides investment products, such as fixed term deposits, mutual funds, titles and shares, mortgage bonds, safe boxes, and market data solutions, as well as financial advisory and debit and credit cards. In addition, the company offers treasury management, financing, accounts, and payment and collection solutions to corporates, institutions, and small and medium enterprises, as well as office banking services. Banco Hipotecario S.A. was founded in 1886 and is based in Buenos Aires, Argentina.

Fundamental data was last updated by Penke on 2024-09-20 04:27:05.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is expensive.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profit Hipotecario earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Hipotecario to the Banks - Regional industry mean.
  • A Net Profit Margin of 9.6% means that $0.10 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Banco Hipotecario SA:

  • The MRQ is 9.6%. The company is making a profit. +1
  • The TTM is 10.4%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ9.6%TTM10.4%-0.8%
TTM10.4%YOY9.4%+1.0%
TTM10.4%5Y2.3%+8.2%
5Y2.3%10Y3.3%-1.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ9.6%28.6%-19.0%
TTM10.4%30.5%-20.1%
YOY9.4%27.5%-18.1%
5Y2.3%23.9%-21.6%
10Y3.3%20.7%-17.4%
4.3.1.2. Return on Assets

Shows how efficient Hipotecario is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Hipotecario to the Banks - Regional industry mean.
  • 0.5% Return on Assets means that Hipotecario generated $0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Banco Hipotecario SA:

  • The MRQ is 0.5%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 1.1%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ0.5%TTM1.1%-0.5%
TTM1.1%YOY0.5%+0.5%
TTM1.1%5Y0.3%+0.7%
5Y0.3%10Y0.4%0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.5%0.2%+0.3%
TTM1.1%0.2%+0.9%
YOY0.5%0.2%+0.3%
5Y0.3%0.2%+0.1%
10Y0.4%0.2%+0.2%
4.3.1.3. Return on Equity

Shows how efficient Hipotecario is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Hipotecario to the Banks - Regional industry mean.
  • 3.3% Return on Equity means Hipotecario generated $0.03 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Banco Hipotecario SA:

  • The MRQ is 3.3%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 7.5%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ3.3%TTM7.5%-4.2%
TTM7.5%YOY4.1%+3.4%
TTM7.5%5Y2.5%+5.0%
5Y2.5%10Y2.7%-0.2%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ3.3%2.3%+1.0%
TTM7.5%2.6%+4.9%
YOY4.1%2.8%+1.3%
5Y2.5%2.4%+0.1%
10Y2.7%2.8%-0.1%
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4.3.2. Operating Efficiency of Banco Hipotecario SA.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient Hipotecario is operating .

  • Measures how much profit Hipotecario makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Hipotecario to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Banco Hipotecario SA:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y-0.0%
5Y-10Y-0.0%
4.3.2.2. Operating Ratio

Measures how efficient Hipotecario is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are $0.00 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Banco Hipotecario SA:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y0.086-0.086
5Y0.08610Y0.176-0.091
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4.4.3. Liquidity of Banco Hipotecario SA.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Hipotecario is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.00 means the company has $0.00 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Banco Hipotecario SA:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY0.852-0.852
TTM-5Y0.615-0.615
5Y0.61510Y0.640-0.025
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM-3.684-3.684
YOY0.8521.484-0.632
5Y0.6151.126-0.511
10Y0.64012.007-11.367
4.4.3.2. Quick Ratio

Measures if Hipotecario is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Hipotecario to the Banks - Regional industry mean.
  • A Quick Ratio of 0.00 means the company can pay off $0.00 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Banco Hipotecario SA:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY0.003-0.003
TTM-5Y0.010-0.010
5Y0.01010Y0.012-0.003
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM-1.493-1.493
YOY0.0031.485-1.482
5Y0.0100.695-0.685
10Y0.01218.305-18.293
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4.5.4. Solvency of Banco Hipotecario SA.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of Hipotecario assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Hipotecario to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.84 means that Hipotecario assets are financed with 83.7% credit (debt) and the remaining percentage (100% - 83.7%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Banco Hipotecario SA:

  • The MRQ is 0.837. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.856. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.837TTM0.856-0.019
TTM0.856YOY0.864-0.008
TTM0.8565Y0.877-0.021
5Y0.87710Y0.8770.000
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8370.916-0.079
TTM0.8560.525+0.331
YOY0.8640.526+0.338
5Y0.8770.762+0.115
10Y0.8770.847+0.030
4.5.4.2. Debt to Equity Ratio

Measures if Hipotecario is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Hipotecario to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 531.8% means that company has $5.32 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Banco Hipotecario SA:

  • The MRQ is 5.318. The company is unable to pay all its debts with equity. -1
  • The TTM is 6.219. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ5.318TTM6.219-0.901
TTM6.219YOY6.573-0.354
TTM6.2195Y7.683-1.464
5Y7.68310Y7.652+0.032
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ5.31810.941-5.623
TTM6.2196.545-0.326
YOY6.5736.424+0.149
5Y7.6839.403-1.720
10Y7.65211.740-4.088
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Hipotecario generates.

  • Above 15 is considered overpriced but always compare Hipotecario to the Banks - Regional industry mean.
  • A PE ratio of 13.14 means the investor is paying $13.14 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Banco Hipotecario SA:

  • The EOD is 12.932. Based on the earnings, the company is underpriced. +1
  • The MRQ is 13.140. Based on the earnings, the company is underpriced. +1
  • The TTM is 7.300. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD12.932MRQ13.140-0.209
MRQ13.140TTM7.300+5.840
TTM7.300YOY3.705+3.595
TTM7.3005Y8.042-0.742
5Y8.04210Y13.413-5.372
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD12.9325.411+7.521
MRQ13.1404.498+8.642
TTM7.3004.602+2.698
YOY3.7055.644-1.939
5Y8.0429.300-1.258
10Y13.4139.643+3.770
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Banco Hipotecario SA:

  • The EOD is 0.620. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 0.630. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is -399.904. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD0.620MRQ0.630-0.010
MRQ0.630TTM-399.904+400.534
TTM-399.904YOY-1.338-398.566
TTM-399.9045Y-81.038-318.866
5Y-81.03810Y-70.238-10.800
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.6200.440+0.180
MRQ0.6300.366+0.264
TTM-399.904-0.773-399.131
YOY-1.3380.081-1.419
5Y-81.0380.389-81.427
10Y-70.2380.041-70.279
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price of Hipotecario is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 1.65 means the investor is paying $1.65 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Banco Hipotecario SA:

  • The EOD is 1.623. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.649. Based on the equity, the company is underpriced. +1
  • The TTM is 1.052. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.623MRQ1.649-0.026
MRQ1.649TTM1.052+0.597
TTM1.052YOY0.515+0.536
TTM1.0525Y0.802+0.250
5Y0.80210Y0.957-0.155
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.6230.492+1.131
MRQ1.6490.409+1.240
TTM1.0520.240+0.812
YOY0.5150.306+0.209
5Y0.8020.649+0.153
10Y0.9570.920+0.037
4.6.2. Total Gains per Share
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6. Financial Statements




6.1. Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2023-06-302023-09-302023-12-312024-03-312024-06-30
Reconciled Depreciation  657,890519,5461,177,4361,255,6322,433,0683,161,1795,594,247-5,711,518-117,271



6.2. Latest Balance Sheet

Balance Sheet of 2024-06-30. Currency in ARS. All numbers in thousands.

Summary
Total Assets2,281,941,843
Total Liabilities1,909,901,818
Total Stockholder Equity359,108,076
 As reported
Total Liabilities 1,909,901,818
Total Stockholder Equity+ 359,108,076
Total Assets = 2,281,941,843

Assets

Total Assets2,281,941,843
Total Current Assets0
Long-term Assets0
Total Current Assets
Cash And Cash Equivalents 303,252,553
Total Current Assets  (as reported)0
Total Current Assets  (calculated)303,252,553
+/- 303,252,553
Long-term Assets
Property Plant Equipment 69,247,500
Long Term Investments 1,261,000,611
Intangible Assets 4,506,068
Long-term Assets  (as reported)0
Long-term Assets  (calculated)1,334,754,179
+/- 1,334,754,179

Liabilities & Shareholders' Equity

Total Current Liabilities0
Long-term Liabilities0
Total Stockholder Equity359,108,076
Total Current Liabilities
Accounts payable 87,351,208
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)87,351,208
+/- 87,351,208
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Retained Earnings 28,879,421
Total Stockholder Equity (as reported)359,108,076
Total Stockholder Equity (calculated)28,879,421
+/- 330,228,655
Other
Capital Stock1,500,000
Common Stock Shares Outstanding 1,500,000
Net Invested Capital 415,104,104
Property Plant and Equipment Gross 69,247,500



6.3. Balance Sheets Structured

Currency in ARS. All numbers in thousands.

 Trend2024-06-302024-03-312023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-31
> Total Assets 
84,561,565
85,259,232
83,822,221
86,996,247
89,793,044
103,243,999
121,203,585
150,789,485
137,541,919
141,447,352
187,595,542
225,432,093
350,667,235
264,774,162
323,353,102
302,758,816
402,954,135
427,558,924
672,049,940
999,751,411
1,515,670,396
2,211,165,311
2,281,941,843
2,281,941,8432,211,165,3111,515,670,396999,751,411672,049,940427,558,924402,954,135302,758,816323,353,102264,774,162350,667,235225,432,093187,595,542141,447,352137,541,919150,789,485121,203,585103,243,99989,793,04486,996,24783,822,22185,259,23284,561,565
   > Total Current Assets 
31,365,824
31,062,056
31,595,900
33,807,955
37,383,095
47,721,887
66,025,662
88,634,948
79,188,536
72,298,535
107,425,520
140,267,930
251,099,654
148,410,044
195,541,213
175,261,100
266,933,076
251,690,700
465,006,234
0
0
0
0
0000465,006,234251,690,700266,933,076175,261,100195,541,213148,410,044251,099,654140,267,930107,425,52072,298,53579,188,53688,634,94866,025,66247,721,88737,383,09533,807,95531,595,90031,062,05631,365,824
       Cash And Cash Equivalents 
4,059,137
6,861,734
7,976,114
16,097,387
18,474,655
23,209,394
22,247,471
25,555,841
13,422,790
8,961,798
7,446,404
15,569,162
18,111,369
16,074,737
17,531,240
20,349,254
27,696,959
34,414,738
32,387,654
41,047,461
98,793,594
109,217,767
303,252,553
303,252,553109,217,76798,793,59441,047,46132,387,65434,414,73827,696,95920,349,25417,531,24016,074,73718,111,36915,569,1627,446,4048,961,79813,422,79025,555,84122,247,47123,209,39418,474,65516,097,3877,976,1146,861,7344,059,137
       Short-term Investments 
589,474
900,499
1,305,988
2,958,961
4,189,724
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0000000000000000004,189,7242,958,9611,305,988900,499589,474
       Net Receivables 
972,762
0
0
0
1,455,065
0
0
0
1,070,507
0
0
0
1,416,936
0
0
0
1,939,586
0
2,550,459
0
0
0
0
00002,550,45901,939,5860001,416,9360001,070,5070001,455,065000972,762
       Other Current Assets 
6,387,096
6,218,368
6,784,204
12,275,153
13,564,476
20,736,335
17,510,230
21,886,259
18,080,909
15,592,884
13,322,968
22,692,728
23,222,375
22,261,552
20,250,407
772,300
31,708,974
600,300
37,785,360
0
0
0
0
000037,785,360600,30031,708,974772,30020,250,40722,261,55223,222,37522,692,72813,322,96815,592,88418,080,90921,886,25917,510,23020,736,33513,564,47612,275,1536,784,2046,218,3686,387,096
   > Long-term Assets 00000000000000000000000
       Property Plant Equipment 
1,497,432
506,619
1,662,439
1,699,562
1,707,006
4,209,652
4,322,390
4,520,042
5,027,758
5,610,823
6,027,018
6,533,247
7,176,358
8,183,774
9,372,029
11,201,353
12,793,487
15,411,190
18,857,033
26,176,167
40,026,528
56,530,847
69,247,500
69,247,50056,530,84740,026,52826,176,16718,857,03315,411,19012,793,48711,201,3539,372,0298,183,7747,176,3586,533,2476,027,0185,610,8235,027,7584,520,0424,322,3904,209,6521,707,0061,699,5621,662,439506,6191,497,432
       Long Term Investments 
2,157,120
26,666,869
25,225,361
15,357,907
13,019,311
21,814,910
27,535,457
39,824,040
37,621,557
43,840,716
51,575,777
57,514,528
59,069,448
154,503,738
184,478,667
148,435,483
163,979,220
157,148,665
240,568,108
390,497,323
226,457,956
529,858,108
1,261,000,611
1,261,000,611529,858,108226,457,956390,497,323240,568,108157,148,665163,979,220148,435,483184,478,667154,503,73859,069,44857,514,52851,575,77743,840,71637,621,55739,824,04027,535,45721,814,91013,019,31115,357,90725,225,36126,666,8692,157,120
       Intangible Assets 
145,268
137,692
139,603
156,781
155,678
313,558
295,507
307,013
334,894
370,172
370,580
385,784
383,772
395,846
441,033
523,899
628,026
871,590
1,096,790
1,446,796
2,244,147
3,419,358
4,506,068
4,506,0683,419,3582,244,1471,446,7961,096,790871,590628,026523,899441,033395,846383,772385,784370,580370,172334,894307,013295,507313,558155,678156,781139,603137,692145,268
> Total Liabilities 
74,470,381
75,140,596
73,327,559
75,442,600
78,111,852
90,289,528
106,918,616
135,248,033
119,594,366
122,833,094
168,066,301
205,223,637
327,846,785
237,138,285
289,598,601
260,965,028
352,227,141
362,175,466
586,847,506
882,744,984
1,299,744,175
1,868,832,911
1,909,901,818
1,909,901,8181,868,832,9111,299,744,175882,744,984586,847,506362,175,466352,227,141260,965,028289,598,601237,138,285327,846,785205,223,637168,066,301122,833,094119,594,366135,248,033106,918,61690,289,52878,111,85275,442,60073,327,55975,140,59674,470,381
   > Total Current Liabilities 
40,008,857
37,381,923
38,971,181
39,526,044
63,320,839
72,871,985
90,929,784
112,652,746
97,639,972
103,693,730
147,711,040
183,012,539
311,513,426
212,393,204
255,777,624
215,007,000
313,817,774
293,989,300
525,634,986
0
0
0
0
0000525,634,986293,989,300313,817,774215,007,000255,777,624212,393,204311,513,426183,012,539147,711,040103,693,73097,639,972112,652,74690,929,78472,871,98563,320,83939,526,04438,971,18137,381,92340,008,857
       Short-term Debt 
3,721,151
6,218,268
6,870,518
4,662,264
20,836,367
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000000020,836,3674,662,2646,870,5186,218,2683,721,151
       Short Long Term Debt 
3,721,151
6,218,268
6,870,518
4,662,264
20,836,367
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000000020,836,3674,662,2646,870,5186,218,2683,721,151
       Accounts payable 
29,307,580
28,974,346
29,617,152
32,740,814
35,721,788
42,796,217
63,187,304
82,981,355
88,831,186
93,692,055
135,452,633
168,290,867
289,291,646
192,808,112
240,146,493
212,549,300
295,761,911
292,539,100
497,723,632
9,383,941
31,324,441
46,665,487
87,351,208
87,351,20846,665,48731,324,4419,383,941497,723,632292,539,100295,761,911212,549,300240,146,493192,808,112289,291,646168,290,867135,452,63393,692,05588,831,18682,981,35563,187,30442,796,21735,721,78832,740,81429,617,15228,974,34629,307,580
       Other Current Liabilities 
1,447,063
1,462,245
1,838,059
1,003,093
1,145,252
2,545,002
2,060,618
1,727,502
765,471
1,325,762
1,300,042
3,116,666
6,087,540
11,091,316
6,341,864
2,457,700
7,810,885
1,432,200
17,231,484
0
0
0
0
000017,231,4841,432,2007,810,8852,457,7006,341,86411,091,3166,087,5403,116,6661,300,0421,325,762765,4711,727,5022,060,6182,545,0021,145,2521,003,0931,838,0591,462,2451,447,063
   > Long-term Liabilities 00000000000000000000000
> Total Stockholder Equity
9,798,800
9,905,603
10,271,419
11,311,286
11,400,598
12,634,948
13,910,370
15,139,069
17,502,677
18,144,825
19,020,747
19,666,281
22,217,547
26,956,294
32,986,899
40,863,684
49,333,129
63,710,095
82,876,315
113,671,566
210,192,342
333,210,504
359,108,076
359,108,076333,210,504210,192,342113,671,56682,876,31563,710,09549,333,12940,863,68432,986,89926,956,29422,217,54719,666,28119,020,74718,144,82517,502,67715,139,06913,910,37012,634,94811,400,59811,311,28610,271,4199,905,6039,798,800
   Common Stock
1,465,661
1,467,058
1,468,791
1,469,594
1,469,931
1,470,188
1,470,445
1,470,445
1,470,685
1,470,958
1,470,958
1,471,488
1,472,210
1,472,837
1,473,142
40,863,700
1,472,210
63,710,100
1,473,141
0
0
0
0
00001,473,14163,710,1001,472,21040,863,7001,473,1421,472,8371,472,2101,471,4881,470,9581,470,9581,470,6851,470,4451,470,4451,470,1881,469,9311,469,5941,468,7911,467,0581,465,661
   Retained Earnings 
7,553,304
2,016,095
722,619
1,762,486
9,103,861
-28,341,855
-29,271,953
-31,349,636
-34,253,946
-1,624,958
-2,914,367
-4,305,018
-4,201,275
1,168,415
2,737,206
3,966,165
6,054,793
3,655,717
17,663,944
13,450,896
56,565,212
54,692,698
28,879,421
28,879,42154,692,69856,565,21213,450,89617,663,9443,655,7176,054,7933,966,1652,737,2061,168,415-4,201,275-4,305,018-2,914,367-1,624,958-34,253,946-31,349,636-29,271,953-28,341,8559,103,8611,762,486722,6192,016,0957,553,304
   Capital Surplus 00000000000000000000000
   Treasury Stock00000000000000000000000
   Other Stockholders Equity 
779,001
794,364
813,435
822,264
825,972
39,498,789
41,711,044
45,017,426
50,285,104
18,298,825
20,464,156
22,499,811
24,946,612
24,315,042
28,776,551
0
41,806,126
0
63,739,230
0
0
0
0
000063,739,230041,806,126028,776,55124,315,04224,946,61222,499,81120,464,15618,298,82550,285,10445,017,42641,711,04439,498,789825,972822,264813,435794,364779,001



6.4. Balance Sheets

Currency in ARS. All numbers in thousands.




6.5. Cash Flows

Currency in ARS. All numbers in thousands.




6.6. Income Statements

Currency in ARS. All numbers in thousands.


6.7. Latest Income Statement

Income Statement (annual), 2023-12-31. Currency in ARS. All numbers in thousands.

Gross Profit (+$)
totalRevenue349,883,148
Cost of Revenue-0
Gross Profit0349,883,148
 
Operating Income (+$)
Gross Profit0
Operating Expense-0
Operating Income00
 
Operating Expense (+$)
Research Development0
Selling General Administrative10,184,997
Selling And Marketing Expenses0
Operating Expense010,184,997
 
Net Interest Income (+$)
Interest Income628,043,281
Interest Expense-676,496,080
Other Finance Cost-0
Net Interest Income-48,452,799
 
Pretax Income (+$)
Operating Income0
Net Interest Income-48,452,799
Other Non-Operating Income Expenses0
Income Before Tax (EBT)66,965,1760
EBIT - interestExpense = -676,496,080
56,565,212
733,061,292
Interest Expense676,496,080
Earnings Before Interest and Taxes (EBIT)0743,461,256
Earnings Before Interest and Taxes (EBITDA)0
 
After tax Income (+$)
Income Before Tax66,965,176
Tax Provision-9,314,527
Net Income From Continuing Ops57,650,64957,650,649
Net Income56,565,212
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses0
Total Other Income/Expenses Net048,452,799
 

Technical Analysis of Hipotecario
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Hipotecario. The general trend of Hipotecario is BULLISH with 57.1% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Hipotecario's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (57.1%) Bearish trend (-57.1%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Banco Hipotecario SA.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 449.00 < 450.00.

The bearish price targets are: 370.00 > 370.00 > 370.00.

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Banco Hipotecario SA Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Banco Hipotecario SA. The current mas is .

The long score for the Moving Averages is 11/14.
The longshort score for the Moving Averages is 8/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Banco Hipotecario SA Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Banco Hipotecario SA. The current macd is 1.39518872.

The long score for the Moving Average Convergence/Divergence (MACD) is 1/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -2/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Hipotecario price going down in the near term. -2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Hipotecario. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Hipotecario price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Banco Hipotecario SA Daily Moving Average Convergence/Divergence (MACD) ChartBanco Hipotecario SA Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Banco Hipotecario SA. The current adx is 12.76.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -2/(-7 +7).

  • PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell Hipotecario shares, leading to potential downward momentum in its price. -1
  • PLUS_ID < MINUS_DI && ADX < 25 && ADX trending up: The ADX is below 25 and indicates a weak or no trend. However, the ADX is rising and a new bearish trend could be forming. -1
Banco Hipotecario SA Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Banco Hipotecario SA. The current sar is 379.19.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Banco Hipotecario SA Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Banco Hipotecario SA. The current rsi is 49.12. The current phase is Correction in bull market.

The long score for the Relative Strength Index (RSI) is 0/13.
The longshort score for the Relative Strength Index (RSI) is -4/(-13 +13).

  • Correction in bull market: Moderate price decline, potential pause in the uptrend. Reassess the market, wait for signs of stabilization.
  • Trending down: The RSI is trending down. -1
Banco Hipotecario SA Daily Relative Strength Index (RSI) ChartBanco Hipotecario SA Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Banco Hipotecario SA. The current phase is Continuation in bull market.

The long score for the Stochastic Oscillator is 1/6.
The longshort score for the Stochastic Oscillator is -2/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Hipotecario price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Banco Hipotecario SA Daily Stochastic Oscillator ChartBanco Hipotecario SA Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Banco Hipotecario SA. The current cci is -28.92113316.

Banco Hipotecario SA Daily Commodity Channel Index (CCI) ChartBanco Hipotecario SA Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Banco Hipotecario SA. The current cmo is -5.31161076.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

  • CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1
Banco Hipotecario SA Daily Chande Momentum Oscillator (CMO) ChartBanco Hipotecario SA Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Banco Hipotecario SA. The current willr is -41.96428571.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that Hipotecario is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
Banco Hipotecario SA Daily Williams %R ChartBanco Hipotecario SA Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Banco Hipotecario SA.

Banco Hipotecario SA Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Banco Hipotecario SA. The current atr is 19.96.

Banco Hipotecario SA Daily Average True Range (ATR) ChartBanco Hipotecario SA Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Banco Hipotecario SA. The current obv is 66,310,247.

Banco Hipotecario SA Daily On-Balance Volume (OBV) ChartBanco Hipotecario SA Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Banco Hipotecario SA. The current mfi is 46.75.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -1/(-2 +2).

  • MFI < 50: -1
Banco Hipotecario SA Daily Money Flow Index (MFI) ChartBanco Hipotecario SA Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Banco Hipotecario SA.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2024-05-20SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-05-21MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-05-22STOCH LONG EXITThe %K line crosses below the %D line.
2024-05-23MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-05-24STOCH SHORT EXITThe %K line crosses above the %D line.
2024-05-28STOCH LONG EXITThe %K line crosses below the %D line.
2024-06-11SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-06-12MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-06-13STOCH LONG EXITThe %K line crosses below the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-06-14DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-06-19DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-06-25STOCH LONG EXITThe %K line crosses below the %D line.
2024-07-10MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-07-12DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-07-15WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-07-16RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-07-17MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-07-18STOCH LONG EXITThe %K line crosses below the %D line.
2024-07-19RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-07-22SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-07-24MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-07-25CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-07-29MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-07-30SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-07-31STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-08-02STOCH LONG EXITThe %K line crosses below the %D line.
2024-08-05CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-08-06STOCH SHORT EXITThe %K line crosses above the %D line.
2024-08-08CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-08-09MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-08-14SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-08-15WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-08-16STOCH LONG EXITThe %K line crosses below the %D line.
2024-08-21CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-08-26CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-08-28CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-08-29DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-08-30CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-09-04BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-09-05STOCH LONG EXITThe %K line crosses below the %D line.
2024-09-09STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-09-11STOCH LONG EXITThe %K line crosses below the %D line.
2024-09-16SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-09-17DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-09-18MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-09-19DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-09-23STOCH LONG EXITThe %K line crosses below the %D line.
2024-09-24DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-09-25CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-09-26STOCH SHORT EXITThe %K line crosses above the %D line.
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2024-09-30STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-10-01STOCH SHORT EXITThe %K line crosses above the %D line.
2024-10-02SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-10-03DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-10-04WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-10-07DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
2024-10-08CMO SHORT ENTRY LONG CLOSEZero line crossover to downside

6.3. Candlestick Patterns

Banco Hipotecario SA Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Banco Hipotecario SA based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5049.119
Ma 20Greater thanMa 50408.975
Ma 50Greater thanMa 100394.490
Ma 100Greater thanMa 200397.065
OpenGreater thanClose407.500
Total3/5 (60.0%)
Penke
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