1BBVA Fundamental Analysis - BANCO BILBAO VIZCAYA ARGENTA

Fundamental Rating

Overall 1BBVA gets a fundamental rating of 4 out of 10. We evaluated 1BBVA against 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 has a decent growth rate and is not valued too expensively.

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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.

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

The Return On Assets of 1BBVA (1.30%) is better than 84.21% of its industry peers.

Looking at the Return On Equity, with a value of 17.79%, 1BBVA belongs to the top of the industry, outperforming 89.47% of the companies in the same industry.

		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

With a Profit Margin value of 21.66%, 1BBVA perfoms like the industry average, outperforming 46.32% of the companies in the same industry.

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 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

2.2 Solvency

1BBVA has a debt to FCF ratio of 114.57. This is a negative value and a sign of low solvency as 1BBVA would need 114.57 years to pay back of all of its debts.

The Debt to FCF ratio of 1BBVA (114.57) is better than 70.53% of its industry peers.

1BBVA has a Debt/Equity ratio of 1.80. This is a high value indicating a heavy dependency on external financing.

1BBVA has a Debt to Equity ratio (1.80) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	1.8
Debt/FCF	114.57
Altman-Z	N/A

ROIC/WACCN/A

WACC5.6%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 18.00% 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

Looking at the last year, 1BBVA shows a small growth in Revenue. The Revenue has grown by 6.30% in the last year.

The Revenue has been growing by 11.07% on average over the past years. This is quite good.

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

The Earnings Per Share is expected to grow by 3.28% on average over the next years.

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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.20, the valuation of 1BBVA can be described as reasonable.

1BBVA's Price/Earnings ratio is a bit cheaper when compared to the industry. 1BBVA is cheaper than 68.42% of the companies in the same industry.

When comparing the Price/Earnings ratio of 1BBVA to the average of the S&P500 Index (27.90), we can say 1BBVA is valued rather cheaply.

1BBVA is valuated reasonably with a Price/Forward Earnings ratio of 8.82.

Compared to the rest of the industry, the Price/Forward Earnings ratio of 1BBVA indicates a rather cheap valuation: 1BBVA is cheaper than 82.11% of the companies listed in the same industry.

1BBVA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.36.

		Industry Rank	Sector Rank
PE	9.2
Fwd PE	8.82

4.2 Price Multiples

69.47% of the companies in the same industry are more expensive than 1BBVA, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	104.98
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 1BBVA does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)2.04

PEG (5Y)0.44

EPS Next 2Y4.21%

EPS Next 3Y5.91%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.10%, 1BBVA has a reasonable but not impressive dividend return.

1BBVA's Dividend Yield is slightly below the industry average, which is at 4.70.

1BBVA's Dividend Yield is a higher than the S&P500 average which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	3.1%

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 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%

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BANCO BILBAO VIZCAYA ARGENTA

BIT:1BBVA (9/29/2025, 7:00:00 PM)

16.285

+0.44 (+2.78%)

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 Cap93.75B

Analysts76.67

Price Target16.2 (-0.52%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector 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 Rank	Sector Rank
PE	9.2
Fwd PE	8.82
P/S	2.01
P/FCF	104.98
P/OCF	34.71
P/B	1.65
P/tB	1.73
EV/EBITDA	N/A

EPS(TTM)1.77

EY10.87%

EPS(NY)1.85

Fwd EY11.34%

FCF(TTM)0.16

FCFY0.95%

OCF(TTM)0.47

OCFY2.88%

SpS8.1

BVpS9.87

TBVpS9.43

PEG (NY)2.04

PEG (5Y)0.44

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

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 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

WACC5.6%

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

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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