Banco del Bajío S.A. Institución de Banca Múltiple (BBAJIOO) Fair Value & Analysis
Financial Services · MX · Market cap 66.8B MXN (≈ $4.0B) · ISIN MX41BB000000
What is Banco del Bajío S.A. Institución de Banca Múltiple really worth?
A solid business, trading 26% below our fair value of 77.33 MXN.
Strengths
Risks
Fair value as of: Aug 17, 2026
From 6 valuation models · updated 19 days ago
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- Solid quality (62/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 17, 2026.
How to read this chart
60‑month range 18.12 MXN – 58.00 MXN · fair‑value band 58.00 MXN – 96.66 MXN · the 57.33 MXN price screens below the 77.33 MXN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 17, 2026.
Analysis
Banco del Bajío S.A. Institución de Banca Múltiple (BBAJIOO) currently trades at 57.33 MXN, while our model-based Fair Value estimate is 77.33 MXN, implying the stock looks roughly 25.9% undervalued today. The Quality Score stands at 62/100 (solid quality), in the Financial Services sector. Bull case: the Dividend Discount group reads highest at a median of 86.72 MXN per share, and 4 of the 6 models we run sit above the 57.33 MXN price. Bear case: the Asset-Based group reads lowest at 26.94 MXN, and 2 of the 6 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Banco del Bajío S.A. Institución de Banca Múltiple generated revenue of 21.7B MXN at a net margin of 39.9%. Revenue declined 7.5% year over year. It earns a return on equity of 17.6%. Net debt stands at 29.9B MXN. Fundamentals as of Aug 17, 2026
Our scenario range runs from 58.00 MXN (bear case) to 96.66 MXN (bull case); at 57.33 MXN, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 2% below its 52-week high and 52% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at 35%, BBAJIOO screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly 5.16 MXN per share, which is 6.7 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Dividend Discount (86.72 MXN) versus Asset-Based (26.94 MXN). Highest evidence: Residual Income (69).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 17, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 59 · Market factors (momentum, volatility) 78
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Banco del Bajío, S.A., Institución de Banca Múltiple provides banking products and services in Mexico. The company offers electronic and specialized banking, banking insurance, credits, accounts, foreign exchange, investments, payroll, and credit card services.
Full company description
Banco del Bajío, S.A., Institución de Banca Múltiple provides banking products and services in Mexico. The company offers electronic and specialized banking, banking insurance, credits, accounts, foreign exchange, investments, payroll, and credit card services. It also provides agribusiness, level accounts, derivatives, electronic account statement, saving fund, electronic payroll, business package, and protection line services. The company was incorporated in 1994 and is based in León, Mexico.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Banco del Bajío S.A. Institución de Banca Múltiple reported revenue of 26.2B MXN in FY2025 versus 14.1B MXN in FY2021, a compound +16.8%/yr. Reported net income was 9.1B MXN in FY2025, compounding +17.2%/yr from FY2021.
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Peer Group
Banks - Regional · 1071 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 17, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | −42% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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