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

Europe • Euronext Milan • BIT:1BBVA • ES0113211835

20.24 EUR
+0.11 (+0.55%)
Last: Feb 6, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

1BBVA gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 114 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 correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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.
  • The reported operating cash flow has been mixed in the past 5 years: 1BBVA reported negative operating cash flow in multiple 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 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 1.23%, 1BBVA is in the better half of the industry, outperforming 78.07% of the companies in the same industry.
  • With an excellent Return On Equity value of 17.37%, 1BBVA belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
Industry RankSector Rank
ROA 1.23%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • With a Profit Margin value of 21.13%, 1BBVA perfoms like the industry average, outperforming 40.35% of the companies in the same industry.
  • 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) 21.13%
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 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.
  • Compared to 5 years ago, 1BBVA has less shares outstanding
  • Compared to 1 year ago, 1BBVA has an improved debt to assets ratio.
1BBVA.MI Yearly Shares Outstanding1BBVA.MI Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B

2.2 Solvency

  • 1BBVA has a debt to FCF ratio of 39.58. This is a negative value and a sign of low solvency as 1BBVA would need 39.58 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 39.58, 1BBVA is doing good in the industry, outperforming 60.53% of the companies in the same industry.
  • 1BBVA has a Debt/Equity ratio of 1.73. This is a high value indicating a heavy dependency on external financing.
  • 1BBVA's Debt to Equity ratio of 1.73 is in line compared to the rest of the industry. 1BBVA outperforms 54.39% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.73
Debt/FCF 39.58
Altman-Z N/A
ROIC/WACCN/A
WACC5.83%
1BBVA.MI Yearly LT Debt VS Equity VS FCF1BBVA.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B 60B

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.41% over the past year.
  • The Earnings Per Share has been growing by 20.83% on average over the past years. This is a very strong growth
  • The Revenue has been growing slightly by 7.42% in the past year.
  • The Revenue has been growing by 11.07% on average over the past years. This is quite good.
EPS 1Y (TTM)7.41%
EPS 3Y33.16%
EPS 5Y20.83%
EPS Q2Q%-6.67%
Revenue 1Y (TTM)7.42%
Revenue growth 3Y19.7%
Revenue growth 5Y11.07%
Sales Q2Q%-23.82%

3.2 Future

  • 1BBVA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.09% yearly.
  • The Revenue is expected to grow by 3.27% on average over the next years.
EPS Next Y7.56%
EPS Next 2Y8.86%
EPS Next 3Y9.47%
EPS Next 5Y5.09%
Revenue Next Year4.87%
Revenue Next 2Y4.93%
Revenue Next 3Y4.52%
Revenue Next 5Y3.27%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
1BBVA.MI Yearly Revenue VS Estimates1BBVA.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 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 11.63, the valuation of 1BBVA can be described as very reasonable.
  • 1BBVA's Price/Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Earnings ratio is at 28.06. 1BBVA is valued rather cheaply when compared to this.
  • 1BBVA is valuated reasonably with a Price/Forward Earnings ratio of 10.05.
  • 1BBVA's Price/Forward Earnings ratio is rather cheap when compared to the industry. 1BBVA is cheaper than 83.33% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of 1BBVA to the average of the S&P500 Index (27.86), we can say 1BBVA is valued rather cheaply.
Industry RankSector Rank
PE 11.63
Fwd PE 10.05
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1BBVA is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 45.63
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 10

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.54
PEG (5Y)0.56
EPS Next 2Y8.86%
EPS Next 3Y9.47%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • 1BBVA has a Yearly Dividend Yield of 2.81%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 4.12, 1BBVA is paying slightly less dividend.
  • 1BBVA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 2.81%

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 40.21% 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.
DP40.21%
EPS Next 2Y8.86%
EPS Next 3Y9.47%
1BBVA.MI Yearly Income VS Free CF VS Dividend1BBVA.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 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 (2/6/2026, 7:00:00 PM)

20.24

+0.11 (+0.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30
Earnings (Next)02-05
Inst Owners41.45%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap114.71B
Revenue(TTM)47.38B
Net Income(TTM)10.01B
Analysts77.04
Price Target19.92 (-1.58%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.81%
Yearly Dividend0.68
Dividend Growth(5Y)15.86%
DP40.21%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)19.23%
Min EPS beat(2)11.08%
Max EPS beat(2)27.38%
EPS beat(4)4
Avg EPS beat(4)13.63%
Min EPS beat(4)5.97%
Max EPS beat(4)27.38%
EPS beat(8)7
Avg EPS beat(8)10.27%
EPS beat(12)10
Avg EPS beat(12)7.45%
EPS beat(16)14
Avg EPS beat(16)22.07%
Revenue beat(2)0
Avg Revenue beat(2)-15.26%
Min Revenue beat(2)-27.35%
Max Revenue beat(2)-3.17%
Revenue beat(4)2
Avg Revenue beat(4)-5.03%
Min Revenue beat(4)-27.35%
Max Revenue beat(4)8.01%
Revenue beat(8)5
Avg Revenue beat(8)-1.69%
Revenue beat(12)9
Avg Revenue beat(12)5.22%
Revenue beat(16)13
Avg Revenue beat(16)13.19%
PT rev (1m)2.33%
PT rev (3m)10.8%
EPS NQ rev (1m)32.61%
EPS NQ rev (3m)38.3%
EPS NY rev (1m)0.26%
EPS NY rev (3m)1.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.94%
Valuation
Industry RankSector Rank
PE 11.63
Fwd PE 10.05
P/S 2.42
P/FCF 45.63
P/OCF 26.91
P/B 1.99
P/tB 2.09
EV/EBITDA N/A
EPS(TTM)1.74
EY8.6%
EPS(NY)2.01
Fwd EY9.95%
FCF(TTM)0.44
FCFY2.19%
OCF(TTM)0.75
OCFY3.72%
SpS8.36
BVpS10.17
TBVpS9.7
PEG (NY)1.54
PEG (5Y)0.56
Graham Number19.95
Profitability
Industry RankSector Rank
ROA 1.23%
ROE 17.37%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.13%
GM N/A
FCFM 5.31%
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 RankSector Rank
Debt/Equity 1.73
Debt/FCF 39.58
Debt/EBITDA N/A
Cap/Depr 113.8%
Cap/Sales 3.69%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 25.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC5.83%
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)7.41%
EPS 3Y33.16%
EPS 5Y20.83%
EPS Q2Q%-6.67%
EPS Next Y7.56%
EPS Next 2Y8.86%
EPS Next 3Y9.47%
EPS Next 5Y5.09%
Revenue 1Y (TTM)7.42%
Revenue growth 3Y19.7%
Revenue growth 5Y11.07%
Sales Q2Q%-23.82%
Revenue Next Year4.87%
Revenue Next 2Y4.93%
Revenue Next 3Y4.52%
Revenue Next 5Y3.27%
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 1Y113.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y125.42%
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 3 / 10 to 1BBVA.MI.


What is the valuation status of BANCO BILBAO VIZCAYA ARGENTA (1BBVA.MI) stock?

ChartMill assigns a valuation rating of 5 / 10 to BANCO BILBAO VIZCAYA ARGENTA (1BBVA.MI). This can be considered as Fairly Valued.


Can you provide the profitability details for BANCO BILBAO VIZCAYA ARGENTA?

BANCO BILBAO VIZCAYA ARGENTA (1BBVA.MI) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for 1BBVA stock?

The Price/Earnings (PE) ratio for BANCO BILBAO VIZCAYA ARGENTA (1BBVA.MI) is 11.63 and the Price/Book (PB) ratio is 1.99.


Can you provide the dividend sustainability for 1BBVA stock?

The dividend rating of BANCO BILBAO VIZCAYA ARGENTA (1BBVA.MI) is 4 / 10 and the dividend payout ratio is 40.21%.