Banco Pan S.A.
B3:BPAN4.SA
8 (BRL) • At close November 8, 2024
Overview | Financials
Numbers are in millions (except for per share data and ratios) BRL.
| 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 | 2023 Q1 | 2022 Q4 | 2022 Q3 | 2022 Q2 | 2022 Q1 | 2021 Q4 | 2021 Q3 | 2021 Q2 | 2021 Q1 | 2020 Q4 | 2020 Q3 | 2020 Q2 | 2020 Q1 | 2019 Q4 | 2019 Q3 | 2019 Q2 | 2019 Q1 | 2018 Q4 | 2018 Q3 | 2018 Q2 | 2018 Q1 | 2017 Q4 | 2017 Q3 | 2017 Q2 | 2017 Q1 | 2016 Q4 | 2016 Q3 | 2016 Q2 | 2016 Q1 | 2015 Q4 | 2015 Q3 | 2015 Q2 | 2015 Q1 | 2014 Q4 | 2014 Q3 | 2014 Q2 | 2014 Q1 | 2013 Q4 | 2013 Q3 | 2013 Q2 | 2013 Q1 | 2012 Q4 | 2012 Q3 | 2012 Q2 | 2012 Q1 | 2011 Q4 | 2011 Q3 | 2011 Q2 | 2011 Q1 | 2010 Q1 | 2009 Q4 | 2009 Q3 | 2009 Q2 | 2009 Q1 | 2008 Q4 | 2008 Q3 | 2008 Q2 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue
| 4,519.018 | 4,362.963 | 3,237.051 | 2,505.863 | 2,456.313 | 1,917.617 | 2,390.48 | 2,465.076 | 2,398.347 | 2,015.607 | 2,088.898 | 2,099.109 | 1,900.782 | 1,448.447 | 844.343 | 2,546.44 | 1,864.488 | 1,219.687 | 1,606.866 | 1,417.832 | 1,353.96 | 1,182.89 | 1,191.029 | 1,250.409 | 1,222.664 | 1,142.052 | 1,623.246 | 1,420.227 | 2,077.519 | 1,103.521 | 1,044.497 | 865.755 | 702.721 | 699.121 | 733.398 | 826.226 | 944.223 | 697.216 | 1,245.744 | 582.952 | 620.439 | 595.474 | 675.117 | 640.653 | 701.998 | 794.47 | 1,965.07 | -305.762 | -314.068 | 850.986 | 1,382.264 | 158.41 | 397.117 | 642.322 | 525.308 | 537.432 | 479.139 | -356.948 | 360.69 | 189.949 | 490.874 | 394.405 |
| Cost of Revenue
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Gross Profit
| 4,519.018 | 4,362.963 | 3,237.051 | 2,505.863 | 2,456.313 | 1,917.617 | 2,390.48 | 2,465.076 | 2,398.347 | 2,015.607 | 2,088.898 | 2,099.109 | 1,900.782 | 1,448.447 | 844.343 | 2,546.44 | 1,864.488 | 1,219.687 | 1,606.866 | 1,417.832 | 1,353.96 | 1,182.89 | 1,191.029 | 1,250.409 | 1,222.664 | 1,142.052 | 1,623.246 | 1,420.227 | 2,077.519 | 1,103.521 | 1,044.497 | 865.755 | 702.721 | 699.121 | 733.398 | 826.226 | 944.223 | 697.216 | 1,245.744 | 582.952 | 620.439 | 595.474 | 675.117 | 640.653 | 701.998 | 794.47 | 1,965.07 | -305.762 | -314.068 | 850.986 | 1,382.264 | 158.41 | 397.117 | 642.322 | 525.308 | 537.432 | 479.139 | -356.948 | 360.69 | 189.949 | 490.874 | 394.405 |
| Gross Profit Ratio
| 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Reseach & Development Expenses
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| General & Administrative Expenses
| 469.798 | 438.043 | 488.842 | 463.529 | 444.078 | 475.579 | 505.022 | 413.005 | 420.848 | 376.163 | 417.721 | 401.83 | 353.96 | 328.587 | -816.724 | 1,385 | 267.247 | 234.113 | 253.176 | 236.389 | 194.127 | 178.792 | 180.303 | 189.339 | 194.453 | 173.578 | 413.428 | 468.656 | 1,006.832 | 197.124 | 192.157 | 188.406 | 174.179 | 162.175 | 161.542 | 177.166 | 151.76 | 137.259 | 137.332 | 125.961 | 120.147 | 108.324 | 127.528 | 112.059 | 125.596 | 112.848 | 231.892 | -260.092 | 199.948 | 335.93 | 453.212 | 276.417 | 284.931 | 476.066 | 0 | 381.553 | 285.219 | 248.331 | 0 | 183.837 | 295.187 | 273.26 |
| Selling & Marketing Expenses
| 79.041 | 76.744 | 121.621 | 82.297 | 75.564 | 83.978 | 105.583 | 79.714 | 78.874 | 82.247 | 73.781 | 76.581 | 95.763 | 37.815 | 57.035 | -30.392 | 9.826 | 20.566 | 29.406 | 20.505 | 5.412 | 9.904 | 4.907 | 7.283 | 7.551 | 7.097 | 5.014 | 5.907 | -6.25 | 6.25 | 6.104 | 7.592 | 3.675 | 2.406 | -3.789 | 10.614 | 10.708 | 9.24 | 11.416 | 7.799 | 7.176 | 5.288 | 5.586 | 8.556 | 11.232 | 9.52 | 9.621 | 2.857 | 0 | 1.787 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A
| 548.839 | 514.787 | 610.463 | 545.826 | 519.642 | 559.557 | 610.605 | 492.719 | 499.722 | 458.41 | 491.502 | 478.411 | 449.723 | 366.402 | -697.852 | 1,354.608 | 277.073 | 254.679 | 282.582 | 256.894 | 199.539 | 188.696 | 185.21 | 196.622 | 202.004 | 180.675 | 413.428 | 468.656 | 1,000.582 | 203.374 | 198.261 | 195.998 | 177.854 | 164.581 | 157.753 | 187.78 | 162.468 | 146.499 | 148.748 | 133.76 | 127.323 | 113.612 | 133.114 | 120.615 | 136.828 | 122.368 | 241.513 | -260.092 | 199.948 | 335.93 | 453.212 | 276.417 | 284.931 | 476.066 | 0 | 381.553 | 285.219 | 248.331 | 0 | 183.837 | 295.187 | 273.26 |
| Other Expenses
| -1,193.803 | -1,546.501 | -2,178.448 | -1,762.075 | -1,342.465 | 1,014.906 | 935.112 | 1,159.949 | 1,079.72 | 680.088 | 782.273 | 785.754 | 782.561 | 456.05 | 950.995 | 572.02 | 979.37 | 414.412 | 785.424 | 648.354 | 618.701 | 571.889 | 0.002 | 0.351 | 0.006 | 0.008 | -4.278 | -4.422 | 0.037 | 0.001 | 0.101 | 0.177 | 0.253 | 0.515 | 2.202 | 0.227 | 0.084 | 0.005 | 0.019 | 0.137 | 0.203 | 0.072 | 0.157 | 0.097 | -0.057 | 0.057 | 35.061 | 0.444 | -24.992 | -10.494 | -13.749 | -3.07 | -34.758 | -36.208 | -48.175 | -50.243 | -66.49 | -57.379 | -46.264 | -45.347 | -31.428 | -27.129 |
| Operating Expenses
| 1,193.803 | 1,546.501 | 1,935.809 | 1,846.201 | 1,678.513 | 1,574.463 | 1,545.717 | 1,652.668 | 1,579.442 | 1,138.498 | 1,273.775 | 1,264.165 | 1,232.284 | 822.452 | 253.143 | 1,926.628 | 1,256.443 | 669.091 | 1,068.006 | 905.248 | 818.24 | 760.585 | 750.061 | 868.182 | 797.088 | 717.948 | 1,198.377 | 1,153.021 | 1,725.287 | 740.648 | 703.161 | 676.622 | 620.72 | 546.716 | 406.558 | 666.132 | 630.294 | 542.594 | 637.174 | 452.682 | 459.411 | 468.466 | 566.549 | 421.566 | 422.212 | 413.081 | 826.444 | -442.522 | 440.413 | 531.445 | 409.535 | 437.868 | 501.357 | 607.451 | 52.542 | 441.767 | 336.913 | -285.073 | 38.019 | 273.27 | 373.379 | 329.352 |
| Operating Income
| 175.199 | 816.084 | 367.44 | 170.829 | 137.588 | 1,689.825 | 1,438.107 | 1,430.296 | 1,458.223 | 1,309.406 | 1,150.979 | 772.66 | 794.398 | 520.194 | 722.895 | 573.009 | 612.79 | 686.323 | 387.67 | 683.343 | 783.313 | 655.719 | 881.23 | 561.799 | 406.957 | 626.19 | 643.023 | 408.901 | 705.05 | 901.421 | 843.932 | 773.329 | 748.616 | 958.869 | 976.886 | 563.464 | 623.882 | 607.155 | 892.425 | 416.379 | 450.008 | 358.177 | 132.268 | 380.591 | 361.065 | 374.374 | -79.192 | -550.149 | 768.264 | 220.161 | -974.437 | 810.228 | 319.362 | 711.561 | 541.496 | 793.239 | 318.357 | -444.767 | 585.266 | 373.709 | 530.661 | 356.536 |
| Operating Income Ratio
| 0.039 | 0.187 | 0.114 | 0.068 | 0.056 | 0.881 | 0.602 | 0.58 | 0.608 | 0.65 | 0.551 | 0.368 | 0.418 | 0.359 | 0.856 | 0.225 | 0.329 | 0.563 | 0.241 | 0.482 | 0.579 | 0.554 | 0.74 | 0.449 | 0.333 | 0.548 | 0.396 | 0.288 | 0.339 | 0.817 | 0.808 | 0.893 | 1.065 | 1.372 | 1.332 | 0.682 | 0.661 | 0.871 | 0.716 | 0.714 | 0.725 | 0.601 | 0.196 | 0.594 | 0.514 | 0.471 | -0.04 | 1.799 | -2.446 | 0.259 | -0.705 | 5.115 | 0.804 | 1.108 | 1.031 | 1.476 | 0.664 | 1.246 | 1.623 | 1.967 | 1.081 | 0.904 |
| Total Other Income Expenses Net
| 242.684 | 236.274 | 0.456 | 0.385 | 0.502 | -1,515.848 | -1,230.348 | -1,226.784 | -1,249.141 | -1,060.817 | -874.871 | -493.04 | -521.168 | -239.433 | -461.755 | -313.691 | -405.752 | -476.122 | -511.041 | -495.525 | -618.828 | -528.508 | -745.29 | -459.006 | -306.185 | -508.829 | -514.645 | -386.568 | -624.339 | -879.549 | -843.381 | -831.058 | -971.855 | -1,128.86 | -872.243 | -757.212 | -612.562 | -728.208 | -559.3 | -540.933 | -565.294 | -491.601 | -283.915 | -410.696 | -354.093 | -316.247 | -454.216 | 687.353 | -1,206.637 | -252.214 | 677.29 | -1,092.756 | -458.36 | -588.572 | -415.669 | -747.817 | -242.621 | 459.263 | -464.283 | -502.377 | -444.594 | -318.612 |
| Income Before Tax
| 242.684 | 236.274 | 367.896 | 171.214 | 138.09 | 173.977 | 207.759 | 203.512 | 209.082 | 248.589 | 276.108 | 279.62 | 273.23 | 280.761 | 261.14 | 259.318 | 207.038 | 210.201 | -123.371 | 187.818 | 164.485 | 127.211 | 135.94 | 102.793 | 100.772 | 117.361 | 128.378 | 22.333 | 80.711 | 21.872 | 0.551 | -57.729 | -223.239 | -169.991 | 104.643 | -193.748 | 11.32 | -121.053 | 333.125 | -124.554 | -115.286 | -133.424 | -151.647 | -30.105 | 6.972 | 58.127 | -533.408 | 137.204 | -438.373 | -32.053 | -297.147 | -282.528 | -138.998 | 122.989 | 125.827 | 45.422 | 75.736 | 14.496 | 120.983 | -128.668 | 86.067 | 37.924 |
| Income Before Tax Ratio
| 0.054 | 0.054 | 0.114 | 0.068 | 0.056 | 0.091 | 0.087 | 0.083 | 0.087 | 0.123 | 0.132 | 0.133 | 0.144 | 0.194 | 0.309 | 0.102 | 0.111 | 0.172 | -0.077 | 0.132 | 0.121 | 0.108 | 0.114 | 0.082 | 0.082 | 0.103 | 0.079 | 0.016 | 0.039 | 0.02 | 0.001 | -0.067 | -0.318 | -0.243 | 0.143 | -0.234 | 0.012 | -0.174 | 0.267 | -0.214 | -0.186 | -0.224 | -0.225 | -0.047 | 0.01 | 0.073 | -0.271 | -0.449 | 1.396 | -0.038 | -0.215 | -1.784 | -0.35 | 0.191 | 0.24 | 0.085 | 0.158 | -0.041 | 0.335 | -0.677 | 0.175 | 0.096 |
| Income Tax Expense
| 52.628 | 39.697 | 115.32 | 16.364 | 5.467 | 17.407 | 36.083 | 31.907 | 39.947 | 53.248 | 85.66 | 88.254 | 70.745 | 90.484 | 90.199 | 89.14 | 63.146 | 39.643 | -290.941 | 53.267 | 46.778 | 31.104 | 62.315 | 53.667 | 58.559 | 60.81 | 73.504 | -88.936 | 37.917 | 18.203 | 0.355 | -44.763 | -94.872 | -73.888 | 70.967 | -238.042 | 7.722 | -47.535 | 106.663 | -54.901 | -44.93 | -54.791 | 31.298 | -9.571 | -5.774 | 19.121 | -235.413 | 75.59 | -175.893 | -34.943 | -310.728 | -285.137 | -113.653 | 46.788 | 37.709 | 85.987 | 29.75 | -1.145 | 24.428 | -51.813 | 26.348 | -3.486 |
| Net Income
| 190.064 | 196.625 | 252.12 | 154.465 | 132.121 | 172.258 | 170.225 | 138.875 | 169.017 | 227.717 | 190.448 | 191.366 | 202.485 | 190.277 | 170.941 | 170.178 | 143.892 | 170.558 | 167.57 | 134.551 | 117.707 | 96.107 | 73.625 | 49.126 | 42.213 | 56.551 | 54.874 | 111.269 | 42.794 | 3.669 | 0.196 | -12.966 | -128.366 | -96.102 | 33.677 | 44.294 | 3.599 | -73.518 | 226.464 | -69.654 | -70.355 | -78.632 | -182.946 | -20.534 | 12.746 | 39.007 | -297.988 | 61.609 | -262.472 | 2.893 | 13.581 | 2.609 | -25.345 | 76.201 | 74.649 | 41.654 | 45.915 | 15.554 | 70.898 | -74.273 | 59.977 | 41.343 |
| Net Income Ratio
| 0.042 | 0.045 | 0.078 | 0.062 | 0.054 | 0.09 | 0.071 | 0.056 | 0.07 | 0.113 | 0.091 | 0.091 | 0.107 | 0.131 | 0.202 | 0.067 | 0.077 | 0.14 | 0.104 | 0.095 | 0.087 | 0.081 | 0.062 | 0.039 | 0.035 | 0.05 | 0.034 | 0.078 | 0.021 | 0.003 | 0 | -0.015 | -0.183 | -0.137 | 0.046 | 0.054 | 0.004 | -0.105 | 0.182 | -0.119 | -0.113 | -0.132 | -0.271 | -0.032 | 0.018 | 0.049 | -0.152 | -0.201 | 0.836 | 0.003 | 0.01 | 0.016 | -0.064 | 0.119 | 0.142 | 0.078 | 0.096 | -0.044 | 0.197 | -0.391 | 0.122 | 0.105 |
| EPS
| 0.15 | 0.16 | 0.14 | 0.14 | 0.13 | 0.14 | 0.13 | 0.11 | 0.13 | 0.17 | 0.15 | 0.15 | 0.16 | 0.16 | 0.14 | 0.14 | 0.12 | 0.14 | 0.14 | 0.11 | 0.097 | 0.09 | 0.064 | 0.043 | 0.037 | 0.05 | 0.059 | 0.12 | 0.046 | 0.004 | 0 | -0.014 | -0.14 | -0.1 | 0.036 | 0.048 | 0.004 | -0.079 | 0.24 | -0.075 | -0.076 | -0.15 | -0.34 | -0.038 | 0.024 | 0.073 | -0.56 | 0.12 | -0.49 | 0.012 | 0.056 | 0.012 | -0.1 | 0.31 | 0.31 | -0.17 | 0.19 | 0.064 | 0.29 | -0.3 | 0.24 | 0.16 |
| EPS Diluted
| 0.15 | 0.16 | 0.14 | 0.14 | 0.13 | 0.14 | 0.13 | 0.11 | 0.13 | 0.17 | 0.15 | 0.15 | 0.16 | 0.16 | 0.14 | 0.14 | 0.12 | 0.14 | 0.14 | 0.11 | 0.097 | 0.09 | 0.064 | 0.043 | 0.037 | 0.05 | 0.059 | 0.12 | 0.046 | 0.004 | 0 | -0.014 | -0.14 | -0.1 | 0.036 | 0.048 | 0.004 | -0.079 | 0.24 | -0.075 | -0.076 | -0.15 | -0.34 | -0.038 | 0.024 | 0.073 | -0.56 | 0.12 | -0.49 | 0.012 | 0.056 | 0.012 | -0.1 | 0.31 | 0.31 | -0.17 | 0.19 | 0.064 | 0.29 | -0.3 | 0.24 | 0.16 |
| EBITDA
| 67.493 | -579.762 | 532.451 | 212.209 | 176.164 | 1,727.18 | 1,499.894 | 1,496.585 | 1,528.089 | 1,344.693 | 1,178.593 | 800.08 | 817.63 | 544.629 | 786.039 | 596.197 | 634.992 | 708.358 | 406.97 | 700.615 | 801.185 | 668.349 | 893.531 | 574.183 | 420.423 | 639.736 | 656.769 | 423.001 | 719.66 | 916.397 | 859.904 | 790.079 | 764.871 | 974.519 | 987.279 | 577.544 | 638.897 | 622.285 | 903.293 | 432.481 | 464.535 | 370.874 | 145.247 | 392.38 | 372.326 | 385.129 | -69.08 | -543.188 | 770.301 | 221.441 | -974.437 | 810.228 | 320.54 | 712.786 | 542.923 | 793.239 | 319.743 | -443.457 | 587.017 | 373.709 | 532.294 | 356.536 |
| EBITDA Ratio
| 0.015 | -0.133 | 0.164 | 0.085 | 0.072 | 0.901 | 0.627 | 0.607 | 0.637 | 0.667 | 0.564 | 0.381 | 0.43 | 0.376 | 0.931 | 0.234 | 0.341 | 0.581 | 0.253 | 0.494 | 0.592 | 0.565 | 0.75 | 0.459 | 0.344 | 0.56 | 0.405 | 0.298 | 0.346 | 0.83 | 0.823 | 0.913 | 1.088 | 1.394 | 1.346 | 0.699 | 0.677 | 0.893 | 0.725 | 0.742 | 0.749 | 0.623 | 0.215 | 0.612 | 0.53 | 0.485 | -0.035 | 1.777 | -2.453 | 0.26 | -0.705 | 5.115 | 0.807 | 1.11 | 1.034 | 1.476 | 0.667 | 1.242 | 1.627 | 1.967 | 1.084 | 0.904 |