Company Data
CNPJ
Market Cap
Number of Shares
Listing Segment
IPO Date
Key Indicators
P/E
P/VP
DY
Tag Along
Free float
Viability Seal
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Company Data
CNPJ
Market Cap
Number of Shares
Listing Segment
IPO Date
Key Indicators
P/E
P/VP
DY
Tag Along
Free float
Viability Seal
See what thousands of investors think and vote on the assets you consider viable
Tenho uma posição pequena nele, pensando em dobrar em uma possível correção. Acredito nos números, projeto e numa possível valorização a médio e longo prazo. Quais os principais riscos que vocês identificam no banco?
1Company Data
CNPJ
61.186.680/0001-74
Market Cap
R$4.4B
Number of Shares
648.28M
Listing Segment
BOVESPA NÍVEL 1
IPO Date
10/28/2019
Key Indicators
P/E
6.95
P/VP
0.86
DY
8.03%
Tag Along
100.00%
Free float
26.25%
Viability Seal
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The Basel Ratio of BANCO BMG S.A. (BMGB4) is at 13.24%, according to data from the Central Bank of Brazil. This indicator measures the relationship between the bank's own equity and third-party funds exposed to risk through credit operations. As a reference, the minimum required by the Central Bank is 11%. In practice, this means that for every R$ 100.00 lent, BANCO BMG S.A. holds R$ 13.24 in own capital, demonstrating its capacity to absorb risks and maintain financial soundness.
The Fixed Assets Ratio of BANCO BMG S.A. (BMGB4) is at 28.97%. This indicator shows how much of the institution's net equity is invested in permanent assets, such as real estate and vehicles, which cannot be quickly converted into cash. The lower the ratio, the greater the institution's flexibility to meet obligations and invest in new operations. The maximum limit permitted by the Central Bank is 50%, and in the case of BANCO BMG S.A., this means that for every R$ 100.00 in equity, R$ 28.97 are allocated to low-liquidity assets.
The stock is undefined relative to the fair price by the Graham formula.
R$7.05
The stock is undefined relative to the fair price by the Bazin formula.
R$7.05
Discover whether an asset is an opportunity or a risk through our seal.
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Banco BMG is a financial institution that offers products for both legal entities and individuals. Therefore, it is a bank with mixed activities. In general, banking products are offered on digital platforms and physical channels.
Among the digital platforms and physical channels, BMG has a digital bank, the franchise networks “hepl! Credit store”, bank branches, and banking correspondents.
Currently, the financial institution is one of the most well-known in the financial sector, due to the number of sales and technological development.
In this sense, for clients who are individuals, Banco BMG offers services such as:
Personal credit;
Consigned credit card;
Popular insurance through partnerships;
Digital personal credit.
For legal entities, the main services are:
Provision of financial services;
Guarantee insurance for medium and large companies (BMG Seguros and BMG Empresas);
In addition, the financial institution works with fixed income investments for various audiences, through BMG Invest. In total, the bank has over 4 million clients and approximately R$ 16.1 billion in assets.
Banco BMG is a financial institution that is part of Grupo BMG, controlled by the Guimarães family and founded in 1906. Initially, Benjamim Guimarães, who at the time was a Colonel, decided to open an industry specialized in textile production, Ferreira Guimarães.
The idea materialized, but Benjamim aspired to and decided to enter various segments over the years. It was then that, in 1930, Benjamim Guimarães' son, Antônio Mourão Guimarães, created, in the city of Belo Horizonte, the then Banco Crédito Predial S.A, which later, in 1989, became Banco BMG.
Initially, the bank developed activities related to vehicle financing and wholesale and retail banking services. However, with the arrival of the 1990s, the bank specialized only in the retail and wholesale segment. By 1998, BMG became a pioneer by offering, for the first time in the country, the option of consigned credit for clients.
A few years later, in 2005, Banco BMG began to offer the consigned credit card as a product, once again becoming a pioneer in the financial segment. Five years after the creation of the card, consigned credit already accounted for 90% of the bank's assets, where the institution achieved 20% representation compared to Brazilian institutions.
By 2012, the bank began to offer, distribute, and market consigned credit throughout Brazil, after signing an association contract with Itaú Unibanco S.A. From then on, both financial institutions formed the Joint Venture Banco Itaú BMG Consignado S.A.
Then, in 2013, the bank's headquarters was transferred to the city of São Paulo. By 2016, the franchise network help! credit store was inaugurated, specializing in offering credit to retirees and pensioners.
Finally, in 2017, the BMG Invest Digital platform was launched. One year later, in 2018, Banco BMG acquired 65% of Pago Cartões and then, in 2019, entered B3, the Brazilian stock exchange.
