BANCO BILBAO VIZCAYA ARGENTA (1BBVA.MI) Stock Fundamental Analysis
Europe - BIT:1BBVA - ES0113211835 - Common Stock
17.945 EUR
+0.63 (+3.61%)
1BBVA gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 95 industry peers in the Banks industry. While 1BBVA is still in line with the averages on profitability rating, there are concerns on its financial health. 1BBVA has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
1BBVA had positive earnings in the past year.
1BBVA had a positive operating cash flow in the past year.
In the past 5 years 1BBVA has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: 1BBVA reported negative operating cash flow in multiple years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.30%, 1BBVA belongs to the top of the industry, outperforming 85.26% of the companies in the same industry.
1BBVA's Return On Equity of 17.79% is amongst the best of the industry. 1BBVA outperforms 87.37% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
1BBVA has a Profit Margin of 21.66%. This is comparable to the rest of the industry: 1BBVA outperforms 45.26% of its industry peers.
In the last couple of years the Profit Margin of 1BBVA has grown nicely.
1BBVA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
1BBVA does not have a ROIC to compare to the WACC, probably because it is not profitable.
1BBVA has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, 1BBVA has less shares outstanding
The debt/assets ratio for 1BBVA has been reduced compared to a year ago.
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 67.37% 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 of 1.80. This is comparable to the rest of the industry: 1BBVA outperforms 58.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.8 | ||
| Debt/FCF | 114.57 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.72%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 7.52% over the past year.
1BBVA shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.83% yearly.
The Revenue has grown by 19.69% in the past year. This is quite good.
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)7.52%
EPS 3Y33.16%
EPS 5Y20.83%
EPS Q2Q%-6.27%
Revenue 1Y (TTM)19.69%
Revenue growth 3Y19.7%
Revenue growth 5Y11.07%
Sales Q2Q%5.08%
3.2 Future
The Earnings Per Share is expected to grow by 4.54% on average over the next years.
The Revenue is expected to grow by 2.01% on average over the next years.
EPS Next Y5.79%
EPS Next 2Y5.62%
EPS Next 3Y6.73%
EPS Next 5Y4.54%
Revenue Next Year3.89%
Revenue Next 2Y3.55%
Revenue Next 3Y3.47%
Revenue Next 5Y2.01%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.31 indicates a reasonable valuation of 1BBVA.
The rest of the industry has a similar Price/Earnings ratio as 1BBVA.
1BBVA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.67.
With a Price/Forward Earnings ratio of 9.46, the valuation of 1BBVA can be described as very reasonable.
Based on the Price/Forward Earnings ratio, 1BBVA is valued a bit cheaper than 72.63% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of 1BBVA to the average of the S&P500 Index (31.86), we can say 1BBVA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.31 | ||
| Fwd PE | 9.46 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1BBVA indicates a somewhat cheap valuation: 1BBVA is cheaper than 66.32% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 115.68 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
1BBVA's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.78
PEG (5Y)0.5
EPS Next 2Y5.62%
EPS Next 3Y6.73%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.42%, 1BBVA has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.84, 1BBVA is paying slightly less dividend.
1BBVA's Dividend Yield is a higher than the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.42% |
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
39.82% of the earnings are spent on dividend by 1BBVA. This is a low number and sustainable payout ratio.
1BBVA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP39.82%
EPS Next 2Y5.62%
EPS Next 3Y6.73%
BIT:1BBVA (11/6/2025, 7:00:00 PM)
17.945
+0.63 (+3.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners40.29%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap103.30B
Revenue(TTM)46.72B
Net Income(TTM)10.11B
Analysts76.67
Price Target17.98 (0.2%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.42% |
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)10.99%
PT rev (3m)32.02%
EPS NQ rev (1m)-24.88%
EPS NQ rev (3m)-22.48%
EPS NY rev (1m)1.23%
EPS NY rev (3m)7.51%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)2.97%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)0.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.31 | ||
| Fwd PE | 9.46 | ||
| P/S | 2.21 | ||
| P/FCF | 115.68 | ||
| P/OCF | 38.25 | ||
| P/B | 1.82 | ||
| P/tB | 1.9 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.74
EY9.7%
EPS(NY)1.9
Fwd EY10.57%
FCF(TTM)0.16
FCFY0.86%
OCF(TTM)0.47
OCFY2.61%
SpS8.1
BVpS9.87
TBVpS9.43
PEG (NY)1.78
PEG (5Y)0.5
Graham Number19.66
Profitability
| Industry Rank | Sector 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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector 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
WACC5.72%
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)7.52%
EPS 3Y33.16%
EPS 5Y20.83%
EPS Q2Q%-6.27%
EPS Next Y5.79%
EPS Next 2Y5.62%
EPS Next 3Y6.73%
EPS Next 5Y4.54%
Revenue 1Y (TTM)19.69%
Revenue growth 3Y19.7%
Revenue growth 5Y11.07%
Sales Q2Q%5.08%
Revenue Next Year3.89%
Revenue Next 2Y3.55%
Revenue Next 3Y3.47%
Revenue Next 5Y2.01%
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
BANCO BILBAO VIZCAYA ARGENTA / 1BBVA.MI FAQ
Can you provide the ChartMill fundamental rating for BANCO BILBAO VIZCAYA ARGENTA?
ChartMill assigns a fundamental rating of 4 / 10 to 1BBVA.MI.
What is the valuation status for 1BBVA stock?
ChartMill assigns a valuation rating of 5 / 10 to BANCO BILBAO VIZCAYA ARGENTA (1BBVA.MI). This can be considered as Fairly Valued.
What is the profitability of 1BBVA stock?
BANCO BILBAO VIZCAYA ARGENTA (1BBVA.MI) has a profitability rating of 4 / 10.
What are the PE and PB ratios of BANCO BILBAO VIZCAYA ARGENTA (1BBVA.MI) stock?
The Price/Earnings (PE) ratio for BANCO BILBAO VIZCAYA ARGENTA (1BBVA.MI) is 10.31 and the Price/Book (PB) ratio is 1.82.
Is the dividend of BANCO BILBAO VIZCAYA ARGENTA sustainable?
The dividend rating of BANCO BILBAO VIZCAYA ARGENTA (1BBVA.MI) is 4 / 10 and the dividend payout ratio is 39.82%.