BANCO BILBAO VIZCAYA-SP ADR (BBVA) Stock Fundamental Analysis
USA - NYSE:BBVA - US05946K1016 - ADR
19.64 USD
-0.02 (-0.1%)
19.99 USD
+0.35 (+1.78%)
Taking everything into account, BBVA scores 4 out of 10 in our fundamental rating. BBVA was compared to 390 industry peers in the Banks industry. While BBVA is still in line with the averages on profitability rating, there are concerns on its financial health. BBVA has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
BBVA had positive earnings in the past year.
In the past year BBVA had a positive cash flow from operations.
Each year in the past 5 years BBVA has been profitable.
The reported operating cash flow has been mixed in the past 5 years: BBVA reported negative operating cash flow in multiple years.
1.2 Ratios
BBVA has a better Return On Assets (1.30%) than 83.89% of its industry peers.
BBVA has a Return On Equity of 17.79%. This is amongst the best in the industry. BBVA outperforms 97.44% 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
The Profit Margin of BBVA (21.66%) is comparable to the rest of the industry.
BBVA's Profit Margin has improved in the last couple of years.
BBVA 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
BBVA does not have a ROIC to compare to the WACC, probably because it is not profitable.
BBVA has less shares outstanding than it did 1 year ago.
The number of shares outstanding for BBVA has been reduced compared to 5 years ago.
The debt/assets ratio for BBVA has been reduced compared to a year ago.
2.2 Solvency
BBVA has a debt to FCF ratio of 114.57. This is a negative value and a sign of low solvency as BBVA would need 114.57 years to pay back of all of its debts.
With a Debt to FCF ratio value of 114.57, BBVA is not doing good in the industry: 85.93% of the companies in the same industry are doing better.
BBVA has a Debt/Equity ratio of 1.80. This is a high value indicating a heavy dependency on external financing.
BBVA has a worse Debt to Equity ratio (1.80) than 88.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.8 | ||
| Debt/FCF | 114.57 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.82%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BBVA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.00%, which is quite good.
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 6.30% in the past year.
Measured over the past years, BBVA shows a quite strong growth in Revenue. The Revenue has been growing by 11.07% on average per year.
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
BBVA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.54% yearly.
Based on estimates for the next years, BBVA will show a small growth in Revenue. The Revenue will grow by 2.01% on average per year.
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
The Price/Earnings ratio is 9.53, which indicates a very decent valuation of BBVA.
Based on the Price/Earnings ratio, BBVA is valued cheaper than 80.56% of the companies in the same industry.
BBVA is valuated cheaply when we compare the Price/Earnings ratio to 26.89, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 8.91, the valuation of BBVA can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BBVA indicates a somewhat cheap valuation: BBVA is cheaper than 69.05% of the companies listed in the same industry.
BBVA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.99.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.53 | ||
| Fwd PE | 8.91 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BBVA is valued expensively inside the industry as 82.86% of the companies are valued cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 109.03 | ||
| EV/EBITDA | N/A |
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)1.65
PEG (5Y)0.46
EPS Next 2Y5.62%
EPS Next 3Y6.73%
5. Dividend
5.1 Amount
BBVA has a Yearly Dividend Yield of 3.49%.
BBVA's Dividend Yield is a higher than the industry average which is at 3.53.
BBVA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.49% |
5.2 History
The dividend of BBVA is nicely growing with an annual growth rate of 15.86%!
BBVA has paid a dividend for at least 10 years, which is a reliable track record.
BBVA has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)15.86%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
39.82% of the earnings are spent on dividend by BBVA. This is a low number and sustainable payout ratio.
The dividend of BBVA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP39.82%
EPS Next 2Y5.62%
EPS Next 3Y6.73%
19.64
-0.02 (-0.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners40.29%
Inst Owner Change0.06%
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap113.06B
Revenue(TTM)46.66B
Net Income(TTM)10.11B
Analysts76.67
Price Target19.92 (1.43%)
Short Float %0.01%
Short Ratio0.59
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.49% |
Yearly Dividend0.78
Dividend Growth(5Y)15.86%
DP39.82%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)9
Avg Revenue beat(12)8.39%
Revenue beat(16)13
Avg Revenue beat(16)14.66%
PT rev (1m)2.8%
PT rev (3m)26.9%
EPS NQ rev (1m)2.69%
EPS NQ rev (3m)6.79%
EPS NY rev (1m)0%
EPS NY rev (3m)7.51%
Revenue NQ rev (1m)0.92%
Revenue NQ rev (3m)3.91%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)0.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.53 | ||
| Fwd PE | 8.91 | ||
| P/S | 2.09 | ||
| P/FCF | 109.03 | ||
| P/OCF | 36.05 | ||
| P/B | 1.71 | ||
| P/tB | 1.79 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.06
EY10.49%
EPS(NY)2.2
Fwd EY11.23%
FCF(TTM)0.18
FCFY0.92%
OCF(TTM)0.54
OCFY2.77%
SpS9.41
BVpS11.46
TBVpS10.95
PEG (NY)1.65
PEG (5Y)0.46
Graham Number23.05
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
WACC5.82%
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 Y5.79%
EPS Next 2Y5.62%
EPS Next 3Y6.73%
EPS Next 5Y4.54%
Revenue 1Y (TTM)6.3%
Revenue growth 3Y19.7%
Revenue growth 5Y11.07%
Sales Q2Q%-5.6%
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-SP ADR / BBVA FAQ
Can you provide the ChartMill fundamental rating for BANCO BILBAO VIZCAYA-SP ADR?
ChartMill assigns a fundamental rating of 4 / 10 to BBVA.
What is the valuation status for BBVA stock?
ChartMill assigns a valuation rating of 4 / 10 to BANCO BILBAO VIZCAYA-SP ADR (BBVA). This can be considered as Fairly Valued.
Can you provide the profitability details for BANCO BILBAO VIZCAYA-SP ADR?
BANCO BILBAO VIZCAYA-SP ADR (BBVA) has a profitability rating of 4 / 10.
Can you provide the financial health for BBVA stock?
The financial health rating of BANCO BILBAO VIZCAYA-SP ADR (BBVA) is 1 / 10.
What is the earnings growth outlook for BANCO BILBAO VIZCAYA-SP ADR?
The Earnings per Share (EPS) of BANCO BILBAO VIZCAYA-SP ADR (BBVA) is expected to grow by 5.79% in the next year.