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

BIT:1BBVA - ES0113211835 - Common Stock

15.845 EUR
-0.6 (-3.65%)
Last: 8/26/2025, 7:00:00 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to 1BBVA. 1BBVA was compared to 89 industry peers in the Banks industry. There are concerns on the financial health of 1BBVA while its profitability can be described as average. 1BBVA has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

1BBVA had positive earnings in the past year.
In the past year 1BBVA had a positive cash flow from operations.
Each year in the past 5 years 1BBVA has been profitable.
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 1.30%, 1BBVA belongs to the top of the industry, outperforming 85.42% of the companies in the same industry.
With an excellent Return On Equity value of 17.79%, 1BBVA belongs to the best of the industry, outperforming 89.58% of the companies in the same industry.
Industry RankSector Rank
ROA 1.3%
ROE 17.79%
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 of 21.66%. This is comparable to the rest of the industry: 1BBVA outperforms 44.79% of its industry peers.
1BBVA's Profit Margin has improved in the last couple of years.
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) 21.66%
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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3

2. Health

2.1 Basic Checks

1BBVA does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for 1BBVA has been reduced compared to 1 year ago.
1BBVA has less shares outstanding than it did 5 years ago.
1BBVA has a better debt/assets ratio than last year.
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

The Debt to FCF ratio of 1BBVA is 114.57, which is on the high side as it means it would take 1BBVA, 114.57 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 114.57, 1BBVA is doing good in the industry, outperforming 65.63% of the companies in the same industry.
A Debt/Equity ratio of 1.80 is on the high side and indicates that 1BBVA has dependencies on debt financing.
1BBVA has a Debt to Equity ratio (1.80) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 1.8
Debt/FCF 114.57
Altman-Z N/A
ROIC/WACCN/A
WACC5.56%
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

The Earnings Per Share has grown by an nice 18.00% over the past year.
Measured over the past years, 1BBVA shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.83% on average per year.
Looking at the last year, 1BBVA shows a small growth in Revenue. The Revenue has grown by 6.30% in the last year.
1BBVA shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.07% yearly.
EPS 1Y (TTM)18%
EPS 3Y33.16%
EPS 5Y20.83%
EPS Q2Q%-2.13%
Revenue 1Y (TTM)6.3%
Revenue growth 3Y19.7%
Revenue growth 5Y11.07%
Sales Q2Q%-5.6%

3.2 Future

1BBVA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.28% yearly.
Based on estimates for the next years, 1BBVA will show a small growth in Revenue. The Revenue will grow by 1.59% on average per year.
EPS Next Y4.51%
EPS Next 2Y4.21%
EPS Next 3Y5.91%
EPS Next 5Y3.28%
Revenue Next Year3.82%
Revenue Next 2Y3.32%
Revenue Next 3Y3.36%
Revenue Next 5Y1.59%

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 2

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 8.95, the valuation of 1BBVA can be described as very reasonable.
1BBVA's Price/Earnings ratio is a bit cheaper when compared to the industry. 1BBVA is cheaper than 64.58% of the companies in the same industry.
When comparing the Price/Earnings ratio of 1BBVA to the average of the S&P500 Index (27.07), we can say 1BBVA is valued rather cheaply.
A Price/Forward Earnings ratio of 8.58 indicates a reasonable valuation of 1BBVA.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1BBVA indicates a rather cheap valuation: 1BBVA is cheaper than 81.25% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.59. 1BBVA is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.95
Fwd PE 8.58
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

Based on the Price/Free Cash Flow ratio, 1BBVA is valued a bit cheaper than the industry average as 64.58% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 102.14
EV/EBITDA N/A
1BBVA.MI Per share data1BBVA.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)1.99
PEG (5Y)0.43
EPS Next 2Y4.21%
EPS Next 3Y5.91%

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4

5. Dividend

5.1 Amount

1BBVA has a Yearly Dividend Yield of 3.10%. Purely for dividend investing, there may be better candidates out there.
1BBVA's Dividend Yield is slightly below the industry average, which is at 5.09.
Compared to an average S&P500 Dividend Yield of 2.46, 1BBVA pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.1%

5.2 History

The dividend of 1BBVA is nicely growing with an annual growth rate of 15.86%!
Dividend Growth(5Y)15.86%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

1BBVA pays out 39.82% of its income as dividend. This is a sustainable payout ratio.
The dividend of 1BBVA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP39.82%
EPS Next 2Y4.21%
EPS Next 3Y5.91%
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 (8/26/2025, 7:00:00 PM)

15.845

-0.6 (-3.65%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-31 2025-07-31/bmo
Earnings (Next)10-30 2025-10-30
Inst Owners37.06%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap91.21B
Analysts76.67
Price Target16.2 (2.24%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.1%
Yearly Dividend0.68
Dividend Growth(5Y)15.86%
DP39.82%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)10.59%
Min EPS beat(2)10.11%
Max EPS beat(2)11.08%
EPS beat(4)4
Avg EPS beat(4)9.71%
Min EPS beat(4)5.97%
Max EPS beat(4)11.69%
EPS beat(8)6
Avg EPS beat(8)6.36%
EPS beat(12)10
Avg EPS beat(12)9.82%
EPS beat(16)14
Avg EPS beat(16)20.79%
Revenue beat(2)1
Avg Revenue beat(2)-0.39%
Min Revenue beat(2)-3.17%
Max Revenue beat(2)2.39%
Revenue beat(4)2
Avg Revenue beat(4)1.6%
Min Revenue beat(4)-3.17%
Max Revenue beat(4)8.01%
Revenue beat(8)6
Avg Revenue beat(8)2.54%
Revenue beat(12)10
Avg Revenue beat(12)11.21%
Revenue beat(16)14
Avg Revenue beat(16)16.77%
PT rev (1m)18.94%
PT rev (3m)22.24%
EPS NQ rev (1m)3.2%
EPS NQ rev (3m)8.81%
EPS NY rev (1m)6.21%
EPS NY rev (3m)6.21%
Revenue NQ rev (1m)2.96%
Revenue NQ rev (3m)2.72%
Revenue NY rev (1m)0.46%
Revenue NY rev (3m)0.37%
Valuation
Industry RankSector Rank
PE 8.95
Fwd PE 8.58
P/S 1.96
P/FCF 102.14
P/OCF 33.77
P/B 1.61
P/tB 1.68
EV/EBITDA N/A
EPS(TTM)1.77
EY11.17%
EPS(NY)1.85
Fwd EY11.65%
FCF(TTM)0.16
FCFY0.98%
OCF(TTM)0.47
OCFY2.96%
SpS8.1
BVpS9.87
TBVpS9.43
PEG (NY)1.99
PEG (5Y)0.43
Profitability
Industry RankSector Rank
ROA 1.3%
ROE 17.79%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.66%
GM N/A
FCFM 1.91%
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-Score7
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 1.8
Debt/FCF 114.57
Debt/EBITDA N/A
Cap/Depr 118.71%
Cap/Sales 3.88%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 8.84%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC5.56%
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)18%
EPS 3Y33.16%
EPS 5Y20.83%
EPS Q2Q%-2.13%
EPS Next Y4.51%
EPS Next 2Y4.21%
EPS Next 3Y5.91%
EPS Next 5Y3.28%
Revenue 1Y (TTM)6.3%
Revenue growth 3Y19.7%
Revenue growth 5Y11.07%
Sales Q2Q%-5.6%
Revenue Next Year3.82%
Revenue Next 2Y3.32%
Revenue Next 3Y3.36%
Revenue Next 5Y1.59%
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 1Y115.53%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y163.34%
OCF growth 3YN/A
OCF growth 5YN/A