1BBVA Fundamental Analysis - BANCO BILBAO VIZCAYA ARGENTA

Fundamental Rating

Taking everything into account, 1BBVA scores 4 out of 10 in our fundamental rating. 1BBVA was compared to 92 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 is not valued too expensively and it also shows a decent growth rate. 1BBVA also has an excellent dividend rating.

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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.

In multiple years 1BBVA reported negative operating cash flow during the last 5 years.

1.2 Ratios

1BBVA has a Return On Assets of 1.31%. This is amongst the best in the industry. 1BBVA outperforms 84.78% of its industry peers.

1BBVA's Return On Equity of 18.43% is amongst the best of the industry. 1BBVA outperforms 90.22% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.31%
ROE	18.43%
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

Looking at the Profit Margin, with a value of 21.31%, 1BBVA is in line with its industry, outperforming 47.83% of the companies in the same industry.

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)	21.31%
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.

Compared to 1 year ago, 1BBVA has less shares outstanding

1BBVA has less shares outstanding than it did 5 years ago.

1BBVA has a better debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 1.75 is on the high side and indicates that 1BBVA has dependencies on debt financing.

With a Debt to Equity ratio value of 1.75, 1BBVA perfoms like the industry average, outperforming 59.78% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	1.75
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.28%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 30.88% 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

1BBVA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.31%.

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

EPS 1Y (TTM)30.88%

EPS 3Y33.16%

EPS 5Y20.83%

EPS Q2Q%21.62%

Revenue 1Y (TTM)14.31%

Revenue growth 3Y19.7%

Revenue growth 5Y11.07%

Sales Q2Q%13.46%

3.2 Future

Based on estimates for the next years, 1BBVA will show a small growth in Earnings Per Share. The EPS will grow by 3.06% on average per year.

The Revenue is expected to grow by 1.65% on average over the next years.

EPS Next Y-1.6%

EPS Next 2Y0.81%

EPS Next 3Y2%

EPS Next 5Y3.06%

Revenue Next Year3.43%

Revenue Next 2Y2.75%

Revenue Next 3Y2.89%

Revenue Next 5Y1.65%

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

1BBVA is valuated cheaply with a Price/Earnings ratio of 7.13.

Based on the Price/Earnings ratio, 1BBVA is valued cheaply inside the industry as 86.96% of the companies are valued more expensively.

1BBVA is valuated cheaply when we compare the Price/Earnings ratio to 27.25, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 7.34 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 89.13% of the companies listed in the same industry.

1BBVA is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.80, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	7.13
Fwd PE	7.34

4.2 Price Multiples

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

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.34

EPS Next 2Y0.81%

EPS Next 3Y2%

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5. Dividend

5.1 Amount

1BBVA has a Yearly Dividend Yield of 4.41%, which is a nice return.

Compared to an average industry Dividend Yield of 5.01, 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 2.34.

		Industry Rank	Sector Rank
Dividend Yield	4.41%

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 38.55% 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.

DP38.55%

EPS Next 2Y0.81%

EPS Next 3Y2%

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BANCO BILBAO VIZCAYA ARGENTA

BIT:1BBVA (7/21/2025, 7:00:00 PM)

12.685

-0.02 (-0.16%)

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 Owners37.06%

Inst Owner ChangeN/A

Ins Owners0.09%

Ins Owner ChangeN/A

Market Cap73.02B

Analysts75.83

Price Target13.62 (7.37%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.41%

Yearly Dividend0.68

Dividend Growth(5Y)15.86%

DP38.55%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)8.04%

Min EPS beat(2)5.97%

Max EPS beat(2)10.11%

EPS beat(4)4

Avg EPS beat(4)9.48%

Min EPS beat(4)5.97%

Max EPS beat(4)11.69%

EPS beat(8)6

Avg EPS beat(8)5.95%

EPS beat(12)10

Avg EPS beat(12)21.36%

EPS beat(16)14

Avg EPS beat(16)26.1%

Revenue beat(2)2

Avg Revenue beat(2)5.2%

Min Revenue beat(2)2.39%

Max Revenue beat(2)8.01%

Revenue beat(4)3

Avg Revenue beat(4)3.55%

Min Revenue beat(4)-0.83%

Max Revenue beat(4)8.01%

Revenue beat(8)7

Avg Revenue beat(8)3.08%

Revenue beat(12)11

Avg Revenue beat(12)15.84%

Revenue beat(16)15

Avg Revenue beat(16)18.81%

PT rev (1m)0%

PT rev (3m)6.09%

EPS NQ rev (1m)-0.41%

EPS NQ rev (3m)-2.01%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)1.25%

Revenue NQ rev (3m)-0.61%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.17%

Valuation

		Industry Rank	Sector Rank
PE	7.13
Fwd PE	7.34
P/S	1.53
P/FCF	N/A
P/OCF	N/A
P/B	1.33
P/tB	1.39
EV/EBITDA	N/A

EPS(TTM)1.78

EY14.03%

EPS(NY)1.73

Fwd EY13.62%

FCF(TTM)-3.43

FCFYN/A

OCF(TTM)-3.1

OCFYN/A

SpS8.28

BVpS9.57

TBVpS9.13

PEG (NY)N/A

PEG (5Y)0.34

Profitability

		Industry Rank	Sector Rank
ROA	1.31%
ROE	18.43%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	21.31%
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 Rank	Sector Rank
Debt/Equity	1.75
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	124.48%
Cap/Sales	4.01%
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

WACC5.28%

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)30.88%

EPS 3Y33.16%

EPS 5Y20.83%

EPS Q2Q%21.62%

EPS Next Y-1.6%

EPS Next 2Y0.81%

EPS Next 3Y2%

EPS Next 5Y3.06%

Revenue 1Y (TTM)14.31%

Revenue growth 3Y19.7%

Revenue growth 5Y11.07%

Sales Q2Q%13.46%

Revenue Next Year3.43%

Revenue Next 2Y2.75%

Revenue Next 3Y2.89%

Revenue Next 5Y1.65%

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-193.43%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-174.74%

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens