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BANCO BILBAO VIZCAYA-SP ADR (BBVA) Stock Fundamental Analysis

NYSE:BBVA - New York Stock Exchange, Inc. - US05946K1016 - ADR - Currency: USD

15.4  +0.54 (+3.63%)

Premarket: 15.27 -0.13 (-0.84%)

Fundamental Rating

4

Overall BBVA gets a fundamental rating of 4 out of 10. We evaluated BBVA against 396 industry peers in the Banks industry. There are concerns on the financial health of BBVA while its profitability can be described as average. BBVA is not valued too expensively and it also shows a decent growth rate. Finally BBVA also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

In the past year BBVA was profitable.
BBVA had a negative operating cash flow in the past year.
In the past 5 years BBVA has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: BBVA reported negative operating cash flow in multiple years.
BBVA Yearly Net Income VS EBIT VS OCF VS FCFBBVA 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

The Return On Assets of BBVA (1.31%) is better than 83.84% of its industry peers.
Looking at the Return On Equity, with a value of 18.43%, BBVA belongs to the top of the industry, outperforming 96.72% of the companies in the same industry.
Industry RankSector 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
BBVA Yearly ROA, ROE, ROICBBVA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

BBVA has a Profit Margin (21.31%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of BBVA has grown nicely.
BBVA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
BBVA Yearly Profit, Operating, Gross MarginsBBVA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1

2. Health

2.1 Basic Checks

BBVA does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BBVA has been reduced compared to 1 year ago.
The number of shares outstanding for BBVA has been reduced compared to 5 years ago.
Compared to 1 year ago, BBVA has an improved debt to assets ratio.
BBVA Yearly Shares OutstandingBBVA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B
BBVA Yearly Total Debt VS Total AssetsBBVA 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 BBVA has dependencies on debt financing.
The Debt to Equity ratio of BBVA (1.75) is worse than 88.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.75
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.5%
BBVA Yearly LT Debt VS Equity VS FCFBBVA 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
BBVA Yearly Current Assets VS Current LiabilitesBBVA 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

5

3. Growth

3.1 Past

BBVA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.88%, which is quite impressive.
The Earnings Per Share has been growing by 20.83% on average over the past years. This is a very strong growth
BBVA 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

The Earnings Per Share is expected to grow by 3.06% on average over the next years.
Based on estimates for the next years, BBVA will show a small growth in Revenue. The Revenue will grow by 1.65% on average per year.
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

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.
BBVA Yearly Revenue VS EstimatesBBVA 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
BBVA Yearly EPS VS EstimatesBBVA 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

5

4. Valuation

4.1 Price/Earnings Ratio

BBVA is valuated cheaply with a Price/Earnings ratio of 7.37.
BBVA's Price/Earnings ratio is rather cheap when compared to the industry. BBVA is cheaper than 94.19% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.69. BBVA is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 7.59, the valuation of BBVA can be described as very cheap.
BBVA's Price/Forward Earnings ratio is rather cheap when compared to the industry. BBVA is cheaper than 85.61% of the companies 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 37.36.
Industry RankSector Rank
PE 7.37
Fwd PE 7.59
BBVA Price Earnings VS Forward Price EarningsBBVA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BBVA Per share dataBBVA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.35
EPS Next 2Y0.81%
EPS Next 3Y2%

8

5. Dividend

5.1 Amount

BBVA has a Yearly Dividend Yield of 4.44%, which is a nice return.
Compared to an average industry Dividend Yield of 3.30, BBVA pays a better dividend. On top of this BBVA pays more dividend than 82.58% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.34, BBVA pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.44%

5.2 History

The dividend of BBVA is nicely growing with an annual growth rate of 15.86%!
BBVA has been paying a dividend for at least 10 years, so it has 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
BBVA Yearly Dividends per shareBBVA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

BBVA pays out 38.55% of its income as dividend. This is a sustainable payout ratio.
The dividend of BBVA 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%
BBVA Yearly Income VS Free CF VS DividendBBVA 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
BBVA Dividend Payout.BBVA Dividend Payout, showing the Payout Ratio.BBVA Dividend Payout.PayoutRetained Earnings

BANCO BILBAO VIZCAYA-SP ADR

NYSE:BBVA (7/23/2025, 8:04:37 PM)

Premarket: 15.27 -0.13 (-0.84%)

15.4

+0.54 (+3.63%)

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 Change-0.07%
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap88.65B
Analysts75.83
Price Target15.7 (1.95%)
Short Float %0.11%
Short Ratio2.85
Dividend
Industry RankSector Rank
Dividend Yield 4.44%
Yearly Dividend0.79
Dividend Growth(5Y)15.86%
DP38.55%
Div Incr Years3
Div Non Decr Years3
Ex-Date04-09 2025-04-09 (0.458418)
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)10
Avg Revenue beat(12)13.02%
Revenue beat(16)14
Avg Revenue beat(16)16.69%
PT rev (1m)2.94%
PT rev (3m)12.26%
EPS NQ rev (1m)0.82%
EPS NQ rev (3m)-0.75%
EPS NY rev (1m)0%
EPS NY rev (3m)0.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.84%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.82%
Valuation
Industry RankSector Rank
PE 7.37
Fwd PE 7.59
P/S 1.59
P/FCF N/A
P/OCF N/A
P/B 1.37
P/tB 1.44
EV/EBITDA N/A
EPS(TTM)2.09
EY13.57%
EPS(NY)2.03
Fwd EY13.17%
FCF(TTM)-4.02
FCFYN/A
OCF(TTM)-3.63
OCFYN/A
SpS9.7
BVpS11.22
TBVpS10.71
PEG (NY)N/A
PEG (5Y)0.35
Profitability
Industry RankSector 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 RankSector 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
WACC5.5%
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