Grupo Financiero Banorte, S.A.B. de C.V. Logo

Grupo Financiero Banorte, S.A.B. de C.V.

GBOOY

(3.5)
Stock Price

35,10 USD

2.28% ROA

22.03% ROE

39.55x PER

Market Cap.

435.816.321.053,05 USD

282.61% DER

0.53% Yield

25.7% NPM

Grupo Financiero Banorte, S.A.B. de C.V. Stock Analysis

Grupo Financiero Banorte, S.A.B. de C.V. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Grupo Financiero Banorte, S.A.B. de C.V. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (20.72%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 ROA

The stock's ROA (2.24%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 PBV

The stock's PBV ratio (1.85x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 DER

The stock has a reasonable amount of debt compared to its ownership (52%), suggesting a balanced financial position and a moderate level of risk.

7 Net Profit Growth

This company's net profit has been consistently on the rise over the past three years, indicating a strong financial performance and making it an appealing investment opportunity.

8 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

9 Dividend Growth

With a history of consistent dividend increases over the last three years, the company has proven to be a reliable choice for investors seeking reliable income.

10 Dividend

The company's history of regular dividend distributions in the last three years showcases its ability to generate reliable income for shareholders.

11 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (2.480), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

Grupo Financiero Banorte, S.A.B. de C.V. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Grupo Financiero Banorte, S.A.B. de C.V. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Grupo Financiero Banorte, S.A.B. de C.V. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Grupo Financiero Banorte, S.A.B. de C.V. Revenue
Year Revenue Growth
2005 20.223.000.000
2006 22.294.000.000 9.29%
2007 25.283.000.000 11.82%
2008 30.994.000.000 18.43%
2009 32.360.000.000 4.22%
2010 33.846.000.000 4.39%
2011 42.009.000.000 19.43%
2012 66.329.000.000 36.67%
2013 75.423.000.000 12.06%
2014 82.930.000.000 9.05%
2015 85.620.000.000 3.14%
2016 90.219.000.000 5.1%
2017 110.527.000.000 18.37%
2018 129.898.000.000 14.91%
2019 138.054.000.000 5.91%
2020 143.655.000.000 3.9%
2021 160.966.000.000 10.75%
2022 179.544.000.000 10.35%
2023 195.029.633.804 7.94%
2023 432.719.699.452 54.93%
2024 484.772.000.000 10.74%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Grupo Financiero Banorte, S.A.B. de C.V. Research and Development Expenses
Year Research and Development Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Grupo Financiero Banorte, S.A.B. de C.V. General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 11.579.000.000
2006 12.458.000.000 7.06%
2007 14.432.000.000 13.68%
2008 15.807.000.000 8.7%
2009 17.024.000.000 7.15%
2010 17.691.000.000 3.77%
2011 0 0%
2012 8.746.000.000 100%
2013 7.965.000.000 -9.81%
2014 9.058.000.000 12.07%
2015 10.022.000.000 9.62%
2016 9.574.000.000 -4.68%
2017 11.150.000.000 14.13%
2018 11.739.000.000 5.02%
2019 11.793.000.000 0.46%
2020 12.003.000.000 1.75%
2021 12.193.000.000 1.56%
2022 10.829.000.000 -12.6%
2023 46.151.821.456 76.54%
2023 11.524.000.000 -300.48%
2024 -40.502.213.964 128.45%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Grupo Financiero Banorte, S.A.B. de C.V. EBITDA
Year EBITDA Growth
2005 32.625.000.000
2006 31.154.000.000 -4.72%
2007 34.610.000.000 9.99%
2008 39.675.000.000 12.77%
2009 31.457.000.000 -26.12%
2010 30.095.000.000 -4.53%
2011 39.345.000.000 23.51%
2012 47.038.000.000 16.35%
2013 49.735.000.000 5.42%
2014 50.019.000.000 0.57%
2015 48.333.000.000 -3.49%
2016 54.739.000.000 11.7%
2017 79.279.000.000 30.95%
2018 106.565.000.000 25.61%
2019 51.410.000.000 -107.28%
2020 42.844.000.000 -19.99%
2021 48.194.000.000 11.1%
2022 218.208.000.000 77.91%
2023 75.553.256.516 -188.81%
2023 689.000.000 -10865.64%
2024 1.086.044.388 36.56%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Grupo Financiero Banorte, S.A.B. de C.V. Gross Profit
Year Gross Profit Growth
2005 20.223.000.000
2006 22.294.000.000 9.29%
2007 25.283.000.000 11.82%
2008 30.994.000.000 18.43%
2009 32.360.000.000 4.22%
2010 33.846.000.000 4.39%
2011 42.009.000.000 19.43%
2012 66.329.000.000 36.67%
2013 75.423.000.000 12.06%
2014 82.930.000.000 9.05%
2015 85.620.000.000 3.14%
2016 90.219.000.000 5.1%
2017 110.527.000.000 18.37%
2018 129.898.000.000 14.91%
2019 138.054.000.000 5.91%
2020 143.655.000.000 3.9%
2021 160.966.000.000 10.75%
2022 179.544.000.000 10.35%
2023 195.029.633.804 7.94%
2023 432.719.699.452 54.93%
2024 484.772.000.000 10.74%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Grupo Financiero Banorte, S.A.B. de C.V. Net Profit
Year Net Profit Growth
2005 6.286.000.000
2006 6.168.000.000 -1.91%
2007 7.136.000.000 13.57%
2008 7.387.000.000 3.4%
2009 6.190.000.000 -19.34%
2010 7.362.000.000 15.92%
2011 9.569.000.000 23.06%
2012 10.888.000.000 12.11%
2013 13.508.000.000 19.4%
2014 15.228.000.000 11.29%
2015 17.108.000.000 10.99%
2016 19.308.000.000 11.39%
2017 23.908.000.000 19.24%
2018 31.958.000.000 25.19%
2019 36.528.000.000 12.51%
2020 30.508.000.000 -19.73%
2021 35.048.000.000 12.95%
2022 45.408.000.000 22.82%
2023 53.073.332.464 14.44%
2023 52.418.000.000 -1.25%
2024 56.072.000.000 6.52%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Grupo Financiero Banorte, S.A.B. de C.V. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 45
2006 15 -200%
2007 18 11.76%
2008 18 5.56%
2009 15 -20%
2010 16 6.25%
2011 21 23.81%
2012 23 8.7%
2013 27 11.54%
2014 27 3.7%
2015 6 -350%
2016 7 14.29%
2017 9 12.5%
2018 11 27.27%
2019 13 8.33%
2020 11 -20%
2021 12 16.67%
2022 16 20%
2023 0 0%
2023 18 100%
2024 20 5.26%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Grupo Financiero Banorte, S.A.B. de C.V. Free Cashflow
Year Free Cashflow Growth
2005 -273.000.000
2006 1.696.000.000 116.1%
2007 -510.000.000 432.55%
2008 6.943.000.000 107.35%
2009 5.539.000.000 -25.35%
2010 3.892.000.000 -42.32%
2011 -4.296.000.000 190.6%
2012 16.260.000.000 126.42%
2013 -12.119.000.000 234.17%
2014 9.846.000.000 223.09%
2015 35.736.000.000 72.45%
2016 -35.639.000.000 200.27%
2017 20.236.000.000 276.12%
2018 -9.045.000.000 323.73%
2019 2.379.000.000 480.2%
2020 47.272.000.000 94.97%
2021 6.611.000.000 -615.05%
2022 64.814.000.000 89.8%
2023 51.957.000.000 -24.75%
2023 -20.502.482.169 353.42%
2024 -12.469.000.000 -64.43%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Grupo Financiero Banorte, S.A.B. de C.V. Operating Cashflow
Year Operating Cashflow Growth
2005 -96.000.000
2006 3.023.000.000 103.18%
2007 1.451.000.000 -108.34%
2008 8.251.000.000 82.41%
2009 6.986.000.000 -18.11%
2010 6.107.000.000 -14.39%
2011 -978.000.000 724.44%
2012 19.058.000.000 105.13%
2013 -8.180.000.000 332.98%
2014 13.852.000.000 159.05%
2015 39.697.000.000 65.11%
2016 -31.556.000.000 225.8%
2017 25.016.000.000 226.14%
2018 -4.544.000.000 650.53%
2019 6.957.000.000 165.32%
2020 54.707.000.000 87.28%
2021 11.134.000.000 -391.35%
2022 76.605.000.000 85.47%
2023 61.021.000.000 -25.54%
2023 -17.594.883.047 446.81%
2024 -10.510.000.000 -67.41%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Grupo Financiero Banorte, S.A.B. de C.V. Capital Expenditure
Year Capital Expenditure Growth
2005 177.000.000
2006 1.327.000.000 86.66%
2007 1.961.000.000 32.33%
2008 1.308.000.000 -49.92%
2009 1.447.000.000 9.61%
2010 2.215.000.000 34.67%
2011 3.318.000.000 33.24%
2012 2.798.000.000 -18.58%
2013 3.939.000.000 28.97%
2014 4.006.000.000 1.67%
2015 3.961.000.000 -1.14%
2016 4.083.000.000 2.99%
2017 4.780.000.000 14.58%
2018 4.501.000.000 -6.2%
2019 4.578.000.000 1.68%
2020 7.435.000.000 38.43%
2021 4.523.000.000 -64.38%
2022 11.791.000.000 61.64%
2023 9.064.000.000 -30.09%
2023 2.907.599.122 -211.73%
2024 1.959.000.000 -48.42%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Grupo Financiero Banorte, S.A.B. de C.V. Equity
Year Equity Growth
2005 22.369.000.000
2006 27.505.000.000 18.67%
2007 34.156.000.000 19.47%
2008 39.746.000.000 14.06%
2009 44.974.000.000 11.62%
2010 50.227.000.000 10.46%
2011 77.082.000.000 34.84%
2012 88.509.000.000 12.91%
2013 108.691.000.000 18.57%
2014 124.672.000.000 12.82%
2015 137.352.000.000 9.23%
2016 142.701.000.000 3.75%
2017 147.584.000.000 3.31%
2018 174.464.000.000 15.41%
2019 195.998.000.000 10.99%
2020 225.104.000.000 12.93%
2021 237.240.000.000 5.12%
2022 239.032.000.000 0.75%
2023 253.267.072.329 5.62%
2023 249.205.000.000 -1.63%
2024 242.286.000.000 -2.86%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Grupo Financiero Banorte, S.A.B. de C.V. Assets
Year Assets Growth
2005 198.103.000.000
2006 234.437.000.000 15.5%
2007 287.283.000.000 18.4%
2008 577.025.000.000 50.21%
2009 567.138.000.000 -1.74%
2010 590.558.000.000 3.97%
2011 829.277.000.000 28.79%
2012 916.567.000.000 9.52%
2013 1.006.788.000.000 8.96%
2014 1.097.982.000.000 8.31%
2015 1.198.476.000.000 8.39%
2016 1.268.119.000.000 5.49%
2017 1.354.147.000.000 6.35%
2018 1.620.470.000.000 16.43%
2019 1.580.010.000.000 -2.56%
2020 1.787.904.000.000 11.63%
2021 1.850.879.000.000 3.4%
2022 2.070.072.000.000 10.59%
2023 2.298.367.509.599 9.93%
2023 2.274.859.000.000 -1.03%
2024 2.435.012.000.000 6.58%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Grupo Financiero Banorte, S.A.B. de C.V. Liabilities
Year Liabilities Growth
2005 175.734.000.000
2006 206.932.000.000 15.08%
2007 253.127.000.000 18.25%
2008 537.279.000.000 52.89%
2009 522.164.000.000 -2.89%
2010 540.331.000.000 3.36%
2011 752.195.000.000 28.17%
2012 828.058.000.000 9.16%
2013 898.097.000.000 7.8%
2014 973.310.000.000 7.73%
2015 1.061.124.000.000 8.28%
2016 1.125.418.000.000 5.71%
2017 1.206.563.000.000 6.73%
2018 1.446.006.000.000 16.56%
2019 1.384.012.000.000 -4.48%
2020 140.100.000.000 -887.87%
2021 140.503.000.000 0.29%
2022 125.455.000.000 -11.99%
2023 130.282.419.079 3.71%
2023 2.025.654.000.000 93.57%
2024 2.192.726.000.000 7.62%

Grupo Financiero Banorte, S.A.B. de C.V. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
126.91
Net Income per Share
19.11
Price to Earning Ratio
39.55x
Price To Sales Ratio
1.2x
POCF Ratio
-31.75
PFCF Ratio
-5.66
Price to Book Ratio
8.88
EV to Sales
2.76
EV Over EBITDA
23.97
EV to Operating CashFlow
-14.73
EV to FreeCashFlow
-12.99
Earnings Yield
0.03
FreeCashFlow Yield
-0.18
Market Cap
435,82 Bil.
Enterprise Value
1.000,51 Bil.
Graham Number
191.23
Graham NetNet
-740.16

Income Statement Metrics

Net Income per Share
19.11
Income Quality
-1.04
ROE
0.22
Return On Assets
0.02
Return On Capital Employed
0.01
Net Income per EBT
0.74
EBT Per Ebit
2.12
Ebit per Revenue
0.16
Effective Tax Rate
0.26

Margins

Sales, General, & Administrative to Revenue
-0.02
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.16
Pretax Profit Margin
0.35
Net Profit Margin
0.26

Dividends

Dividend Yield
0.01
Dividend Yield %
0.53
Payout Ratio
0.75
Dividend Per Share
4.02

Operating Metrics

Operating Cashflow per Share
-23.8
Free CashFlow per Share
-26.98
Capex to Operating CashFlow
-0.13
Capex to Revenue
0.03
Capex to Depreciation
1.82
Return on Invested Capital
0.04
Return on Tangible Assets
0.02
Days Sales Outstanding
68.64
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
5.32
Payables Turnover
0
Inventory Turnover
0
Capex per Share
3.18

Balance Sheet

Cash per Share
44,10
Book Value per Share
84,88
Tangible Book Value per Share
69.84
Shareholders Equity per Share
85.07
Interest Debt per Share
307.93
Debt to Equity
2.83
Debt to Assets
0.28
Net Debt to EBITDA
13.53
Current Ratio
0.47
Tangible Asset Value
199,36 Bil.
Net Current Asset Value
-1.557,47 Bil.
Invested Capital
-633526000000
Working Capital
-711,41 Bil.
Intangibles to Total Assets
0.02
Average Receivables
63,29 Bil.
Average Payables
55,19 Bil.
Average Inventory
-416817430153.5
Debt to Market Cap
1.57

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Grupo Financiero Banorte, S.A.B. de C.V. Dividends
Year Dividends Growth
2010 0
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 1 0%
2017 1 100%
2018 1 0%
2019 1 100%
2021 1 0%
2022 3 66.67%
2023 4 0%
2024 3 -50%

Grupo Financiero Banorte, S.A.B. de C.V. Profile

About Grupo Financiero Banorte, S.A.B. de C.V.

Grupo Financiero Banorte, S.A.B. de C.V., through its subsidiaries, provides banking and financial products and services in Mexico. The company offers payroll accounts and credit cards; car, mortgage, payroll, and personal credit banorte; and savings and investment products. It also provides insurance products, including life, home, auto, health, savings, credit card, mobile equipment, and mortgage credit insurance; foreign exchange services; and online and mobile banking services. The company operates through a network of approximately 1,151 branches, 9,668 ATMs, and 154,443 point of sale terminals. Grupo Financiero Banorte, S.A.B. de C.V. was founded in 1899 and is based in Mexico City, Mexico.

CEO
Mr. Jose Marcos Ramirez Miguel
Employee
33.696
Address
Santa Fe Building
Mexico City, 05349

Grupo Financiero Banorte, S.A.B. de C.V. Executives & BODs

Grupo Financiero Banorte, S.A.B. de C.V. Executives & BODs
# Name Age
1 Mr. Arturo Monroy Ballesteros
Head of Investment Banking & Structured Finance
70
2 Mr. Hector Martín Avila Flores
Chief Legal Officer & Secretary of the Board
70
3 Ms. Mayra Nelly Lopez Lopez
Executive Director of Accounting
70
4 Mr. Jose Marcos Ramirez Miguel
Chief Executive Officer & Proprietary Board Member
70
5 Mr. Tomas Lozano Derbez
Head of Corporate Development, Investor Relations, Financial Intelligence, M&A and Sustainability
70
6 Mr. Fernando Solís Cámara y Jiménez Canet J.C.
Deputy Managing Director of Communication & Public Affairs
70
7 Mr. Carlos Eduardo Martinez Gonzalez
Managing Director of Government Banking
70
8 Engineer Rafael Victorio Arana de la Garza
Chief Financial & Operational Officer
70
9 Mr. Javier Beltran Cantu
Chief Administrator & Human Relations Officer
70
10 Ms. Carla Juan Chelala
Deputy Managing Director of Marketing
70

Grupo Financiero Banorte, S.A.B. de C.V. Competitors