25 XP   0   0   10

Renta 4 Banco S.A
Buy, Hold or Sell?

Let's analyse Renta 4 Banco S.A together

PenkeI guess you are interested in Renta 4 Banco S.A. 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 Renta 4 Banco S.A. 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.

You can find me behind Let's Analyse Together in the top-right of each section.

Get notifications about Renta 4 Banco S.A

I send you an email if I find something interesting about Renta 4 Banco S.A.

Quick analysis of Renta 4 Banco S.A (30 sec.)










What can you expect buying and holding a share of Renta 4 Banco S.A? (30 sec.)

How much money do you get?

How much money do you get?
‚ā¨1.51
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
‚ā¨3.48
Expected worth in 1 year
‚ā¨5.87
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
‚ā¨3.78
Return On Investment
34.7%

For what price can you sell your share?

Current Price per Share
‚ā¨10.90
Expected price per share
‚ā¨10.20 - ‚ā¨9.9597
How sure are you?
50%

1. Valuation of Renta 4 Banco S.A (5 min.)




Live pricePrice per Share (EOD)

‚ā¨10.90

Intrinsic Value Per Share

‚ā¨-12.43 - ‚ā¨32.13

Total Value Per Share

‚ā¨-8.94 - ‚ā¨35.61

2. Growth of Renta 4 Banco S.A (5 min.)




Is Renta 4 Banco S.A growing?

Current yearPrevious yearGrowGrow %
How rich?$152.5m$126.4m$26.1m17.1%

How much money is Renta 4 Banco S.A making?

Current yearPrevious yearGrowGrow %
Making money$28.1m$23.1m$4.9m17.6%
Net Profit Margin11.7%19.4%--

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

3. Financial Health of Renta 4 Banco S.A (5 min.)




4. Comparing to competitors in the Asset Management industry (5 min.)




  Industry Rankings (Asset Management)  


Richest
#439 / 750

Most Revenue
#99 / 750

Most Profit
#178 / 750

Most Efficient
#511 / 750

What can you expect buying and holding a share of Renta 4 Banco S.A? (5 min.)

Welcome investor! Renta 4 Banco S.A's management wants to use your money to grow the business. In return you get a share of Renta 4 Banco S.A.

What can you expect buying and holding a share of Renta 4 Banco S.A?

First you should know what it really means to hold a share of Renta 4 Banco S.A. And how you can make/lose money.

Speculation

The Price per Share of Renta 4 Banco S.A is ‚ā¨10.90. 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 Renta 4 Banco S.A.
  • 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 Renta 4 Banco S.A, 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 ‚ā¨3.48. Based on the TTM, the Book Value Change Per Share is ‚ā¨0.60 per quarter. Based on the YOY, the Book Value Change Per Share is ‚ā¨-0.31 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 ‚ā¨0.35 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Renta 4 Banco S.A.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 ‚ā¨% of Price per Share‚ā¨% of Price per Share‚ā¨% of Price per Share‚ā¨% of Price per Share‚ā¨% of Price per Share
Usd Eps0.696.3%0.696.3%0.575.2%0.585.3%0.484.4%
Usd Book Value Change Per Share0.645.9%0.645.9%-0.33-3.0%0.242.2%0.181.6%
Usd Dividend Per Share0.383.5%0.383.5%0.393.5%0.353.2%0.292.7%
Usd Total Gains Per Share1.029.3%1.029.3%0.050.5%0.595.4%0.474.3%
Usd Price Per Share10.98-10.98-10.55-9.51-8.19-
Price to Earnings Ratio15.89-15.89-18.51-16.50-17.25-
Price-to-Total Gains Ratio10.78-10.78-192.93-49.52-34.72-
Price to Book Ratio2.93-2.93-3.40-2.92-2.91-
Price-to-Total Gains Ratio10.78-10.78-192.93-49.52-34.72-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share11.73603
Number of shares85
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.380.35
Usd Book Value Change Per Share0.640.24
Usd Total Gains Per Share1.020.59
Gains per Quarter (85 shares)86.5650.00
Gains per Year (85 shares)346.25199.98
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
112821833612080190
2256436682239161390
33846541028359241590
45128731374478322790
564010911720598402990
6769130920667174821190
7897152724128375631390
81025174527589576431590
911531963310410767241790
1012812182345011968041990

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 Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%19.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%9.01.00.090.0%15.04.00.078.9%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%16.00.03.084.2%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%16.03.00.084.2%

Fundamentals of Renta 4 Banco S.A

About Renta 4 Banco S.A

Renta 4 Banco, S.A., together with its subsidiaries, engages in the provision of wealth management, brokerage, and corporate advisory services in Spain and internationally. It is involved in the management of collective investment institution (CII) and pension funds; and discretionary management of equity portfolios and investment funds, or a combination of equity and investment funds, as well as private wealth management services. The company also offers security and CII custodian services; corporate advice services, such as corporate finance and M&A; underwriting and placement services for issues and public offers; and public debt management services, as well as outsources various services and corporate services. In addition, it engages in the purchase and sale of securities and other financial instruments; and sale of CIIs and pension plans that are managed by the company and belonging to third parties. The company was founded in 1985 and is headquartered in Madrid, Spain.

Fundamental data was last updated by Penke on 2024-06-09 23:33:03.

Financial Health

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 efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating efficient.
The company is less efficient in keeping operating costs low.
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.

Valuation

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

1.1. Profitability of Renta 4 Banco S.A.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit¬†Renta 4 Banco S.A earns for each €1 of revenue.

  • Above 10% is considered healthy but always compare¬†Renta 4 Banco S.A to the¬†Asset Management industry mean.
  • A Net Profit Margin of 11.7%¬†means that¬†€0.12 for each €1¬†in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Renta 4 Banco S.A:

  • The MRQ is 11.7%. The company is making a huge profit. +2
  • The TTM is 11.7%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ11.7%TTM11.7%0.0%
TTM11.7%YOY19.4%-7.8%
TTM11.7%5Y18.2%-6.5%
5Y18.2%10Y18.9%-0.7%
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
MRQ11.7%58.6%-46.9%
TTM11.7%55.9%-44.2%
YOY19.4%54.7%-35.3%
5Y18.2%49.3%-31.1%
10Y18.9%50.8%-31.9%
1.1.2. Return on Assets

Shows how efficient Renta 4 Banco S.A is using its assets to generate profit.

  • Above 5% is considered healthy¬†but always compare¬†Renta 4 Banco S.A to the¬†Asset Management industry mean.
  • 1.2% Return on Assets means that¬†Renta 4 Banco S.A generated¬†€0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Renta 4 Banco S.A:

  • The MRQ is 1.2%. Using its assets, the company is less efficient in making profit.
  • The TTM is 1.2%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ1.2%TTM1.2%0.0%
TTM1.2%YOY0.9%+0.3%
TTM1.2%5Y1.1%+0.1%
5Y1.1%10Y1.1%0.0%
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
MRQ1.2%1.1%+0.1%
TTM1.2%0.9%+0.3%
YOY0.9%0.2%+0.7%
5Y1.1%1.2%-0.1%
10Y1.1%1.6%-0.5%
1.1.3. Return on Equity

Shows how efficient Renta 4 Banco S.A is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare¬†Renta 4 Banco S.A to the¬†Asset Management industry mean.
  • 18.7% Return on Equity means Renta 4 Banco S.A generated €0.19¬†for each¬†€1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Renta 4 Banco S.A:

  • The MRQ is 18.7%. Using its investors money, the company is efficient in making profit. +1
  • The TTM is 18.7%. Using its investors money, the company is efficient in making profit. +1
Trends
Current periodCompared to+/- 
MRQ18.7%TTM18.7%0.0%
TTM18.7%YOY18.5%+0.2%
TTM18.7%5Y17.8%+0.8%
5Y17.8%10Y17.1%+0.7%
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
MRQ18.7%2.0%+16.7%
TTM18.7%1.7%+17.0%
YOY18.5%0.6%+17.9%
5Y17.8%2.1%+15.7%
10Y17.1%2.5%+14.6%

1.2. Operating Efficiency of Renta 4 Banco S.A.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Renta 4 Banco S.A is operating .

  • Measures how much profit Renta 4 Banco S.A 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¬†Renta 4 Banco S.A to the¬†Asset Management industry mean.
  • An Operating Margin of 16.2%¬†means the company generated €0.16 ¬†for each €1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Renta 4 Banco S.A:

  • The MRQ is 16.2%. The company is operating efficient. +1
  • The TTM is 16.2%. The company is operating efficient. +1
Trends
Current periodCompared to+/- 
MRQ16.2%TTM16.2%0.0%
TTM16.2%YOY29.8%-13.6%
TTM16.2%5Y25.2%-9.0%
5Y25.2%10Y27.2%-2.0%
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
MRQ16.2%76.2%-60.0%
TTM16.2%50.8%-34.6%
YOY29.8%60.4%-30.6%
5Y25.2%42.8%-17.6%
10Y27.2%42.2%-15.0%
1.2.2. Operating Ratio

Measures how efficient Renta 4 Banco S.A is keeping operating costs low.

  • Below 1 is considered healthy (always compare to¬†Asset Management industry mean).
  • An Operation Ratio of 0.84 means that the operating costs are €0.84 for each €1 in net sales.

Let's take a look of the Operating Ratio trends of Renta 4 Banco S.A:

  • The MRQ is 0.838. The company is less efficient in keeping operating costs low.
  • The TTM is 0.838. The company is less efficient in keeping operating costs low.
Trends
Current periodCompared to+/- 
MRQ0.838TTM0.8380.000
TTM0.838YOY1.609-0.771
TTM0.8385Y1.469-0.630
5Y1.46910Y1.534-0.066
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8380.420+0.418
TTM0.8380.506+0.332
YOY1.6090.501+1.108
5Y1.4690.455+1.014
10Y1.5340.530+1.004

1.3. Liquidity of Renta 4 Banco S.A.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Renta 4 Banco S.A is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to¬†Asset Management 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 Renta 4 Banco S.A:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY183.503-183.503
TTM-5Y246.347-246.347
5Y246.34710Y174.802+71.545
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
MRQ-3.145-3.145
TTM-3.509-3.509
YOY183.5034.299+179.204
5Y246.3475.516+240.831
10Y174.8026.888+167.914
1.3.2. Quick Ratio

Measures if Renta 4 Banco S.A is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but¬†always compare¬†Renta 4 Banco S.A to the¬†Asset Management 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 Renta 4 Banco S.A:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY360.214-360.214
TTM-5Y381.310-381.310
5Y381.31010Y268.295+113.015
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
MRQ-2.978-2.978
TTM-3.347-3.347
YOY360.2144.646+355.568
5Y381.3106.294+375.016
10Y268.2957.237+261.058

1.4. Solvency of Renta 4 Banco S.A.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Renta 4 Banco S.A assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare¬†Renta 4 Banco S.A to Asset Management industry mean.
  • A Debt to Asset Ratio of 0.94¬†means that Renta 4 Banco S.A assets are¬†financed with 93.5% credit (debt) and the remaining percentage (100% - 93.5%)¬†is financed by its owners/shareholders.¬†

Let's take a look of the Debt to Asset Ratio trends of Renta 4 Banco S.A:

  • The MRQ is 0.935. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.935. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.935TTM0.9350.000
TTM0.935YOY0.951-0.016
TTM0.9355Y0.940-0.005
5Y0.94010Y0.934+0.006
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9350.170+0.765
TTM0.9350.177+0.758
YOY0.9510.176+0.775
5Y0.9400.180+0.760
10Y0.9340.178+0.756
1.4.2. Debt to Equity Ratio

Measures if Renta 4 Banco S.A is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but¬†always compare¬†Renta 4 Banco S.A to the¬†Asset Management industry mean.
  • A Debt to Equity ratio of 1,462.3% means that company has €14.62 debt for each €1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Renta 4 Banco S.A:

  • The MRQ is 14.623. The company is unable to pay all its debts with equity. -1
  • The TTM is 14.623. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ14.623TTM14.6230.000
TTM14.623YOY19.685-5.061
TTM14.6235Y16.031-1.408
5Y16.03110Y14.729+1.302
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
MRQ14.6230.204+14.419
TTM14.6230.209+14.414
YOY19.6850.214+19.471
5Y16.0310.237+15.794
10Y14.7290.239+14.490

2. Market Valuation of Renta 4 Banco S.A

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures¬†how much money you pay¬†for each share for¬†every €1 in earnings Renta 4 Banco S.A generates.

  • Above 15 is considered overpriced but¬†always compare¬†Renta 4 Banco S.A to the¬†Asset Management industry mean.
  • A PE ratio of 15.89 means the investor is paying €15.89¬†for every €1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Renta 4 Banco S.A:

  • The EOD is 16.977. Based on the earnings, the company is fair priced.
  • The MRQ is 15.887. Based on the earnings, the company is fair priced.
  • The TTM is 15.887. Based on the earnings, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD16.977MRQ15.887+1.090
MRQ15.887TTM15.8870.000
TTM15.887YOY18.514-2.627
TTM15.8875Y16.497-0.610
5Y16.49710Y17.246-0.749
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
EOD16.9776.286+10.691
MRQ15.8875.986+9.901
TTM15.8876.196+9.691
YOY18.5142.895+15.619
5Y16.4975.657+10.840
10Y17.2467.607+9.639
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Renta 4 Banco S.A:

  • The EOD is 10.083. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 9.436. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 9.436. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD10.083MRQ9.436+0.648
MRQ9.436TTM9.4360.000
TTM9.436YOY-0.986+10.421
TTM9.4365Y2.645+6.791
5Y2.64510Y3.249-0.604
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
EOD10.0833.669+6.414
MRQ9.4363.525+5.911
TTM9.4362.732+6.704
YOY-0.9861.678-2.664
5Y2.6452.401+0.244
10Y3.2492.111+1.138
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Renta 4 Banco S.A is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy¬†(always compare to Asset Management industry mean).
  • A PB ratio of 2.93 means the investor is paying €2.93¬†for each €1 in book value.

Let's take a look of the Price to Book Ratio trends of Renta 4 Banco S.A:

  • The EOD is 3.131. Based on the equity, the company is fair priced.
  • The MRQ is 2.929. Based on the equity, the company is underpriced. +1
  • The TTM is 2.929. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD3.131MRQ2.929+0.201
MRQ2.929TTM2.9290.000
TTM2.929YOY3.396-0.466
TTM2.9295Y2.917+0.012
5Y2.91710Y2.909+0.008
Compared to industry (Asset Management)
PeriodCompanyIndustry (mean)+/- 
EOD3.1310.943+2.188
MRQ2.9290.905+2.024
TTM2.9290.906+2.023
YOY3.3960.955+2.441
5Y2.9171.019+1.898
10Y2.9091.183+1.726
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Renta 4 Banco S.A 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--0.5960.5960%-0.309+152%0.220+171%0.165+260%
Book Value Per Share--3.4823.4820%2.886+21%3.023+15%2.606+34%
Current Ratio----0%183.503-100%246.347-100%174.802-100%
Debt To Asset Ratio--0.9350.9350%0.951-2%0.940-1%0.934+0%
Debt To Equity Ratio--14.62314.6230%19.685-26%16.031-9%14.729-1%
Dividend Per Share--0.3500.3500%0.359-3%0.327+7%0.271+29%
Eps--0.6420.6420%0.529+21%0.536+20%0.445+44%
Free Cash Flow Per Share--1.0811.0810%-9.944+1020%2.227-51%2.616-59%
Free Cash Flow To Equity Per Share---5.914-5.9140%-10.398+76%0.517-1243%1.043-667%
Gross Profit Margin--1.0001.0000%0.885+13%0.918+9%0.908+10%
Intrinsic Value_10Y_max--32.132--------
Intrinsic Value_10Y_min---12.425--------
Intrinsic Value_1Y_max--2.752--------
Intrinsic Value_1Y_min--0.354--------
Intrinsic Value_3Y_max--8.626--------
Intrinsic Value_3Y_min---0.316--------
Intrinsic Value_5Y_max--14.929--------
Intrinsic Value_5Y_min---2.491--------
Market Cap443555880.000+6%415070640.000415070640.0000%398793360.000+4%359565115.200+15%309391849.287+34%
Net Profit Margin--0.1170.1170%0.194-40%0.182-36%0.189-38%
Operating Margin--0.1620.1620%0.298-46%0.252-36%0.272-40%
Operating Ratio--0.8380.8380%1.609-48%1.469-43%1.534-45%
Pb Ratio3.131+6%2.9292.9290%3.396-14%2.917+0%2.909+1%
Pe Ratio16.977+6%15.88715.8870%18.514-14%16.497-4%17.246-8%
Price Per Share10.900+6%10.20010.2000%9.800+4%8.836+15%7.602+34%
Price To Free Cash Flow Ratio10.083+6%9.4369.4360%-0.986+110%2.645+257%3.249+190%
Price To Total Gains Ratio11.524+6%10.78410.7840%192.933-94%49.525-78%34.721-69%
Quick Ratio----0%360.214-100%381.310-100%268.295-100%
Return On Assets--0.0120.0120%0.009+33%0.011+13%0.011+8%
Return On Equity--0.1870.1870%0.185+1%0.178+5%0.171+9%
Total Gains Per Share--0.9460.9460%0.051+1762%0.546+73%0.436+117%
Usd Book Value--152555470.677152555470.6770%126445494.600+21%132443144.495+15%114186619.188+34%
Usd Book Value Change Per Share--0.6420.6420%-0.332+152%0.236+171%0.178+260%
Usd Book Value Per Share--3.7493.7490%3.107+21%3.255+15%2.806+34%
Usd Dividend Per Share--0.3770.3770%0.387-3%0.352+7%0.291+29%
Usd Eps--0.6910.6910%0.570+21%0.577+20%0.479+44%
Usd Free Cash Flow--47364033.00047364033.0000%-435678041.400+1020%97586273.820-51%114640232.790-59%
Usd Free Cash Flow Per Share--1.1641.1640%-10.706+1020%2.398-51%2.817-59%
Usd Free Cash Flow To Equity Per Share---6.368-6.3680%-11.196+76%0.557-1243%1.123-667%
Usd Market Cap477576615.996+6%446906558.088446906558.0880%429380810.712+4%387143759.536+15%333122204.127+34%
Usd Price Per Share11.736+6%10.98210.9820%10.552+4%9.514+15%8.185+34%
Usd Profit--28130940.90028130940.9000%23192118.000+21%23465815.140+20%19498390.980+44%
Usd Revenue--241093587.300241093587.3000%119317740.600+102%138091297.140+75%108577765.770+122%
Usd Total Gains Per Share--1.0181.0180%0.055+1762%0.588+73%0.469+117%
 EOD+4 -4MRQTTM+0 -0YOY+27 -95Y+23 -1310Y+22 -14

3.2. Fundamental Score

Let's check the fundamental score of Renta 4 Banco S.A based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1516.977
Price to Book Ratio (EOD)Between0-13.131
Net Profit Margin (MRQ)Greater than00.117
Operating Margin (MRQ)Greater than00.162
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.935
Debt to Equity Ratio (MRQ)Less than114.623
Return on Equity (MRQ)Greater than0.150.187
Return on Assets (MRQ)Greater than0.050.012
Total4/10 (40.0%)

3.3. Technical Score

Let's check the technical score of Renta 4 Banco S.A based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
OpenGreater thanClose10.700
Total0/1 (0.0%)



Reversals in quarterly reports

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

 2019-12-312020-12-312021-12-312022-12-312023-12-31
Other Stockholders Equity  -9,935-192-10,127-7,200-17,3273,797-13,53022,0268,496
Long-term Assets Other  -940-54-994-257-1,251-8,860-10,11113,1913,080



Latest Balance Sheet

Balance Sheet of 2023-12-31. All numbers in thousands.

Summary
Total Assets2,190,176
Total Liabilities2,048,488
Total Stockholder Equity140,084
 As reported
Total Liabilities 2,048,488
Total Stockholder Equity+ 140,084
Total Assets = 2,190,176

Assets

Total Assets2,190,176
Total Current Assets0
Long-term Assets828,706
Total Current Assets
Cash And Cash Equivalents 900,103
Short-term Investments 193,490
Other Current Assets -1,093,593
Total Current Assets  (as reported)0
Total Current Assets  (calculated)0
+/-0
Long-term Assets
Property Plant Equipment 59,089
Goodwill 15,291
Long-term Assets Other 3,080
Long-term Assets  (as reported)828,706
Long-term Assets  (calculated)77,460
+/- 751,246

Liabilities & Shareholders' Equity

Total Current Liabilities0
Long-term Liabilities2,048,488
Total Stockholder Equity140,084
Total Current Liabilities
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)0
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)2,048,488
Long-term Liabilities  (calculated)0
+/- 2,048,488
Total Stockholder Equity
Common Stock18,312
Accumulated Other Comprehensive Income 113,276
Other Stockholders Equity 8,496
Total Stockholder Equity (as reported)140,084
Total Stockholder Equity (calculated)140,084
+/-0
Other
Cash and Short Term Investments 1,093,593
Common Stock Shares Outstanding 40,681
Liabilities and Stockholders Equity 2,190,176
Net Debt -857,270
Short Long Term Debt Total 42,833



Balance Sheet

All numbers in thousands.

 Trend2023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-312015-12-312014-12-312013-12-312012-12-312011-12-312010-12-312009-12-312008-12-312007-12-312006-12-312005-12-31
> Total Assets 
391,463
509,934
717,982
538,706
508,006
417,113
490,789
619,776
904,699
1,491,835
1,075,356
1,195,118
1,221,538
1,346,269
1,766,938
1,779,135
2,201,450
2,410,341
2,190,176
2,190,1762,410,3412,201,4501,779,1351,766,9381,346,2691,221,5381,195,1181,075,3561,491,835904,699619,776490,789417,113508,006538,706717,982509,934391,463
   > Total Current Assets 
0
0
0
465,075
103,612
59,248
1,361
61,039
38,637
63,868
148,218
467,866
399,188
433,053
652,747
744,900
1,197,245
779,886
0
0779,8861,197,245744,900652,747433,053399,188467,866148,21863,86838,63761,0391,36159,248103,612465,075000
       Cash And Cash Equivalents 
0
0
0
465,075
103,612
59,248
1,361
60,000
38,147
63,629
147,995
467,635
398,907
433,053
652,747
744,900
1,197,245
779,876
900,103
900,103779,8761,197,245744,900652,747433,053398,907467,635147,99563,62938,14760,0001,36159,248103,612465,075000
       Short-term Investments 
0
0
0
0
0
0
0
0
0
392,432
0
0
0
0
357,733
322,821
353,434
751,023
193,490
193,490751,023353,434322,821357,7330000392,432000000000
       Net Receivables 
0
0
0
0
0
0
0
1,039
490
239
223
231
281
83,786
119,724
165,737
81
10
0
01081165,737119,72483,7862812312232394901,0390000000
       Other Current Assets 
0
0
0
0
0
0
0
0
394,058
356,781
426,485
477,147
716,584
774,153
-652,215
-744,174
-1,194,421
-771,494
-1,093,593
-1,093,593-771,494-1,194,421-744,174-652,215774,153716,584477,147426,485356,781394,05800000000
   > Long-term Assets 
0
0
0
173,456
39,303
66,538
89,260
298,225
451,880
683,091
550,192
627,298
654,633
802,335
955,054
820,407
416,740
750,373
828,706
828,706750,373416,740820,407955,054802,335654,633627,298550,192683,091451,880298,22589,26066,53839,303173,456000
       Property Plant Equipment 
25,670
25,755
30,435
30,804
29,604
24,159
29,768
27,307
28,360
30,958
36,051
36,538
36,432
37,257
58,579
56,944
55,713
57,847
59,089
59,08957,84755,71356,94458,57937,25736,43236,53836,05130,95828,36027,30729,76824,15929,60430,80430,43525,75525,670
       Goodwill 
4,480
11,011
9,650
8,969
8,939
8,939
15,291
16,106
15,460
15,420
15,291
15,291
15,291
15,291
15,291
15,291
15,291
15,291
15,291
15,29115,29115,29115,29115,29115,29115,29115,29115,29115,42015,46016,10615,2918,9398,9398,9699,65011,0114,480
       Long Term Investments 
0
0
0
0
0
0
0
0
405,036
632,508
196,442
573,193
600,625
746,786
877,962
743,353
339,962
670,404
0
0670,404339,962743,353877,962746,786600,625573,193196,442632,508405,03600000000
       Intangible Assets 
0
0
0
1,025
760
1,014
1,475
1,394
1,987
2,441
2,254
2,276
2,285
3,001
3,222
4,819
5,774
6,831
0
06,8315,7744,8193,2223,0012,2852,2762,2542,4411,9871,3941,4751,0147601,025000
       Long-term Assets Other 
-30,150
-36,766
-40,085
-173,456
-39,303
-66,538
-89,260
-298,225
-451,880
-683,091
-550,192
-627,298
-654,633
-802,335
-940
-994
-1,251
-10,111
3,080
3,080-10,111-1,251-994-940-802,335-654,633-627,298-550,192-683,091-451,880-298,225-89,260-66,538-39,303-173,456-40,085-36,766-30,150
> Total Liabilities 
356,482
444,014
553,487
461,666
444,040
354,528
421,707
560,881
830,356
1,410,957
993,261
1,104,612
1,126,536
1,249,268
1,662,687
1,657,464
2,071,456
2,292,903
2,048,488
2,048,4882,292,9032,071,4561,657,4641,662,6871,249,2681,126,5361,104,612993,2611,410,957830,356560,881421,707354,528444,040461,666553,487444,014356,482
   > Total Current Liabilities 
0
0
0
0
0
191,336
0
26
5
1,707
1,989
2,837
4,794
2,773
2,748
3,161
2,082
4,250
0
04,2502,0823,1612,7482,7734,7942,8371,9891,7075260191,33600000
       Short-term Debt 
0
0
0
0
0
0
0
0
485,908
1,370
332
139,766
10,164
0
9,808
1,599,994
1,987,875
2,218,590
0
02,218,5901,987,8751,599,9949,808010,164139,7663321,370485,90800000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
485,908
1,370
332
139,766
10,164
0
9,808
0
0
0
0
00009,808010,164139,7663321,370485,90800000000
       Accounts payable 
0
0
0
0
0
191,336
0
26
5
1,707
1,989
2,837
4,794
2,773
2,748
3,161
2,082
4,250
0
04,2502,0823,1612,7482,7734,7942,8371,9891,7075260191,33600000
   > Long-term Liabilities 
0
0
0
0
0
122,202
0
12,300
12,299
81
74
58
58
58
20,986
20,639
19,666
4,250
2,048,488
2,048,4884,25019,66620,63920,986585858748112,29912,3000122,20200000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
20,639
19,666
21,799
0
021,79919,66620,639000000000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
76,706
456,400
81,678
99,712
135,624
118,580
161,896
117,999
236,742
190,946
0
0190,946236,742117,999161,896118,580135,62499,71281,678456,40076,70600000000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
0
0
751
699
507
931
1,069
0
2,141
1,651
0
01,6512,14101,0699315076997510000000000
> Total Stockholder Equity
34,981
65,920
164,495
75,914
63,966
61,477
67,987
57,104
73,032
79,326
82,048
89,563
94,352
96,316
103,331
120,765
129,205
116,481
140,084
140,084116,481129,205120,765103,33196,31694,35289,56382,04879,32673,03257,10467,98761,47763,96675,914164,49565,92034,981
   Common Stock
0
0
0
0
0
0
18,312
18,312
18,312
18,312
18,312
18,312
18,312
18,312
18,312
18,312
18,312
18,312
18,312
18,31218,31218,31218,31218,31218,31218,31218,31218,31218,31218,31218,31218,312000000
   Retained Earnings Total Equity0000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
77,124
94,443
102,883
90,159
113,276
113,27690,159102,88394,44377,12400000000000000
   Capital Surplus 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8,496
8,496
8,496
0
08,4968,4968,496000000000000000
   Treasury Stock0000000000000000000
   Other Stockholders Equity 
34,981
65,920
164,495
75,914
63,966
61,477
10,726
33,603
43,621
47,645
49,717
59,124
59,527
61,909
-9,935
-10,127
-17,327
-13,530
8,496
8,496-13,530-17,327-10,127-9,93561,90959,52759,12449,71747,64543,62133,60310,72661,47763,96675,914164,49565,92034,981



Balance Sheet

All numbers in thousands.




Cash Flow

All numbers in thousands.




Income Statement

All numbers in thousands.