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

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

13.19  +0.24 (+1.89%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to 1BBVA. 1BBVA was compared to 96 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.
1BBVA had a negative 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.
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

With an excellent Return On Assets value of 1.25%, 1BBVA belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
1BBVA has a Return On Equity of 17.37%. This is amongst the best in the industry. 1BBVA outperforms 87.50% 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 comparable to the rest of the 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) 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
Compared to 5 years ago, 1BBVA has less shares outstanding
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's Debt to Equity ratio of 1.75 is in line compared to the rest of the industry. 1BBVA outperforms 56.25% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.75
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.36%
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.
1BBVA shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.83% yearly.
1BBVA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.69%.
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

1BBVA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.48% yearly.
The Revenue is expected to grow by 1.19% on average over the next years.
EPS Next Y-1.6%
EPS Next 2Y0.81%
EPS Next 3Y2%
EPS Next 5Y2.48%
Revenue Next Year3.43%
Revenue Next 2Y2.75%
Revenue Next 3Y2.89%
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.
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 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

Based on the Price/Earnings ratio of 7.58, the valuation of 1BBVA can be described as very cheap.
75.00% 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 26.34. 1BBVA is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 7.63 indicates a rather cheap 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 22.19. 1BBVA is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.58
Fwd PE 7.63
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)0.36
EPS Next 2Y0.81%
EPS Next 3Y2%

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6

5. Dividend

5.1 Amount

1BBVA has a Yearly Dividend Yield of 4.43%, which is a nice return.
Compared to an average industry Dividend Yield of 5.14, 1BBVA has a dividend in line with its industry peers.
1BBVA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 4.43%

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

40.48% of the earnings are spent on dividend by 1BBVA. 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 (6/16/2025, 7:00:00 PM)

13.19

+0.24 (+1.89%)

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 Cap75.93B
Analysts76.8
Price Target13.25 (0.45%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.43%
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)5%
PT rev (3m)13.4%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.22%
EPS NY rev (1m)0.25%
EPS NY rev (3m)7.94%
Revenue NQ rev (1m)-0.11%
Revenue NQ rev (3m)1.2%
Revenue NY rev (1m)0.82%
Revenue NY rev (3m)6.56%
Valuation
Industry RankSector Rank
PE 7.58
Fwd PE 7.63
P/S 1.62
P/FCF N/A
P/OCF N/A
P/B 1.36
P/tB 1.43
EV/EBITDA N/A
EPS(TTM)1.74
EY13.19%
EPS(NY)1.73
Fwd EY13.1%
FCF(TTM)-3.51
FCFYN/A
OCF(TTM)-3.16
OCFYN/A
SpS8.14
BVpS9.67
TBVpS9.24
PEG (NY)N/A
PEG (5Y)0.36
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
WACC5.36%
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 Year3.43%
Revenue Next 2Y2.75%
Revenue Next 3Y2.89%
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