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BANCO BILBAO VIZCAYA ARGENTA (1BBVA.MI) Stock Fundamental Analysis

BIT:1BBVA - Euronext Milan - ES0113211835 - Common Stock - Currency: EUR

12.04  -0.43 (-3.41%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to 1BBVA. 1BBVA was compared to 95 industry peers in the Banks industry. There are concerns on the financial health of 1BBVA while its profitability can be described as average. 1BBVA is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year 1BBVA was profitable.
In the past year 1BBVA has reported a negative cash flow from operations.
1BBVA had positive earnings in each of the past 5 years.
In multiple years 1BBVA reported negative operating cash flow during the last 5 years.
1BBVA.MI Yearly Net Income VS EBIT VS OCF VS FCF1BBVA.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B -20B 30B

1.2 Ratios

Looking at the Return On Assets, with a value of 1.25%, 1BBVA belongs to the top of the industry, outperforming 82.11% of the companies in the same industry.
The Return On Equity of 1BBVA (17.37%) is better than 89.47% of its industry peers.
Industry RankSector Rank
ROA 1.25%
ROE 17.37%
ROIC N/A
ROA(3y)1.03%
ROA(5y)0.78%
ROE(3y)15.03%
ROE(5y)11.56%
ROIC(3y)N/A
ROIC(5y)N/A
1BBVA.MI Yearly ROA, ROE, ROIC1BBVA.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

1BBVA has a Profit Margin (20.62%) which is in line with its industry peers.
In the last couple of years the Profit Margin of 1BBVA has grown nicely.
The Operating Margin and Gross Margin are not available for 1BBVA so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 20.62%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.49%
PM growth 5Y10.24%
GM growth 3YN/A
GM growth 5YN/A
1BBVA.MI Yearly Profit, Operating, Gross Margins1BBVA.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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2

2. Health

2.1 Basic Checks

1BBVA does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, 1BBVA has less shares outstanding
The number of shares outstanding for 1BBVA has been reduced compared to 5 years ago.
The debt/assets ratio for 1BBVA has been reduced compared to a year ago.
1BBVA.MI Yearly Shares Outstanding1BBVA.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B
1BBVA.MI Yearly Total Debt VS Total Assets1BBVA.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B

2.2 Solvency

A Debt/Equity ratio of 1.75 is on the high side and indicates that 1BBVA has dependencies on debt financing.
1BBVA has a Debt to Equity ratio (1.75) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.75
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.32%
1BBVA.MI Yearly LT Debt VS Equity VS FCF1BBVA.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B 60B 80B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1BBVA.MI Yearly Current Assets VS Current Liabilites1BBVA.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

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5

3. Growth

3.1 Past

1BBVA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.16%, which is quite impressive.
The Earnings Per Share has been growing by 20.83% on average over the past years. This is a very strong growth
Looking at the last year, 1BBVA shows a quite strong growth in Revenue. The Revenue has grown by 19.69% in the last year.
Measured over the past years, 1BBVA shows a quite strong growth in Revenue. The Revenue has been growing by 11.07% on average per year.
EPS 1Y (TTM)28.16%
EPS 3Y33.16%
EPS 5Y20.83%
EPS Q2Q%11.63%
Revenue 1Y (TTM)19.69%
Revenue growth 3Y19.7%
Revenue growth 5Y11.07%
Sales Q2Q%4.89%

3.2 Future

The Earnings Per Share is expected to grow by 2.48% on average over the next years.
1BBVA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.19% yearly.
EPS Next Y-1.6%
EPS Next 2Y0.81%
EPS Next 3Y2%
EPS Next 5Y2.48%
Revenue Next Year3.61%
Revenue Next 2Y2.97%
Revenue Next 3Y3.08%
Revenue Next 5Y1.19%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
1BBVA.MI Yearly Revenue VS Estimates1BBVA.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B 40B
1BBVA.MI Yearly EPS VS Estimates1BBVA.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.5 1 1.5

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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 6.92, which indicates a rather cheap valuation of 1BBVA.
78.95% of the companies in the same industry are more expensive than 1BBVA, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 28.10. 1BBVA is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 6.97 indicates a rather cheap valuation of 1BBVA.
89.47% of the companies in the same industry are more expensive than 1BBVA, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of 1BBVA to the average of the S&P500 Index (20.74), we can say 1BBVA is valued rather cheaply.
Industry RankSector Rank
PE 6.92
Fwd PE 6.97
1BBVA.MI Price Earnings VS Forward Price Earnings1BBVA.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1BBVA.MI Per share data1BBVA.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 6 8

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.33
EPS Next 2Y0.81%
EPS Next 3Y2%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.70%, 1BBVA is a good candidate for dividend investing.
1BBVA's Dividend Yield is comparable with the industry average which is at 5.30.
1BBVA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.43.
Industry RankSector Rank
Dividend Yield 4.7%

5.2 History

On average, the dividend of 1BBVA grows each year by 15.86%, which is quite nice.
Dividend Growth(5Y)15.86%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

1BBVA pays out 40.48% of its income as dividend. This is a bit on the high side, but may be sustainable.
1BBVA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP40.48%
EPS Next 2Y0.81%
EPS Next 3Y2%
1BBVA.MI Yearly Income VS Free CF VS Dividend1BBVA.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B -20B 30B
1BBVA.MI Dividend Payout.1BBVA.MI Dividend Payout, showing the Payout Ratio.1BBVA.MI Dividend Payout.PayoutRetained Earnings

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BANCO BILBAO VIZCAYA ARGENTA

BIT:1BBVA (4/29/2025, 7:00:00 PM)

12.04

-0.43 (-3.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29 2025-04-29/bmo
Earnings (Next)07-31 2025-07-31
Inst Owners33.58%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap69.31B
Analysts76.8
Price Target12.84 (6.64%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.7%
Yearly Dividend0.68
Dividend Growth(5Y)15.86%
DP40.48%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.83%
Min EPS beat(2)5.97%
Max EPS beat(2)11.69%
EPS beat(4)4
Avg EPS beat(4)8.52%
Min EPS beat(4)5.97%
Max EPS beat(4)11.69%
EPS beat(8)6
Avg EPS beat(8)4.73%
EPS beat(12)10
Avg EPS beat(12)24.63%
EPS beat(16)14
Avg EPS beat(16)26.37%
Revenue beat(2)1
Avg Revenue beat(2)3.59%
Min Revenue beat(2)-0.83%
Max Revenue beat(2)8.01%
Revenue beat(4)3
Avg Revenue beat(4)3.35%
Min Revenue beat(4)-0.83%
Max Revenue beat(4)8.01%
Revenue beat(8)7
Avg Revenue beat(8)6.96%
Revenue beat(12)11
Avg Revenue beat(12)16.34%
Revenue beat(16)15
Avg Revenue beat(16)20.4%
PT rev (1m)1.71%
PT rev (3m)13.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.99%
EPS NY rev (1m)3.89%
EPS NY rev (3m)10.2%
Revenue NQ rev (1m)-0.35%
Revenue NQ rev (3m)5.23%
Revenue NY rev (1m)0.99%
Revenue NY rev (3m)6.74%
Valuation
Industry RankSector Rank
PE 6.92
Fwd PE 6.97
P/S 1.48
P/FCF N/A
P/OCF N/A
P/B 1.25
P/tB 1.3
EV/EBITDA N/A
EPS(TTM)1.74
EY14.45%
EPS(NY)1.73
Fwd EY14.35%
FCF(TTM)-3.51
FCFYN/A
OCF(TTM)-3.16
OCFYN/A
SpS8.14
BVpS9.67
TBVpS9.24
PEG (NY)N/A
PEG (5Y)0.33
Profitability
Industry RankSector Rank
ROA 1.25%
ROE 17.37%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.62%
GM N/A
FCFM N/A
ROA(3y)1.03%
ROA(5y)0.78%
ROE(3y)15.03%
ROE(5y)11.56%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.49%
PM growth 5Y10.24%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 1.75
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 131.18%
Cap/Sales 4.29%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC5.32%
ROIC/WACCN/A
Cap/Depr(3y)148.24%
Cap/Depr(5y)121.71%
Cap/Sales(3y)5.48%
Cap/Sales(5y)4.87%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)28.16%
EPS 3Y33.16%
EPS 5Y20.83%
EPS Q2Q%11.63%
EPS Next Y-1.6%
EPS Next 2Y0.81%
EPS Next 3Y2%
EPS Next 5Y2.48%
Revenue 1Y (TTM)19.69%
Revenue growth 3Y19.7%
Revenue growth 5Y11.07%
Sales Q2Q%4.89%
Revenue Next Year3.61%
Revenue Next 2Y2.97%
Revenue Next 3Y3.08%
Revenue Next 5Y1.19%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-695.31%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-2422.88%
OCF growth 3YN/A
OCF growth 5YN/A