BBVA Fundamental Analysis - BANCO BILBAO VIZCAYA-SP ADR

Fundamental Rating

Taking everything into account, BBVA scores 4 out of 10 in our fundamental rating. BBVA was compared to 396 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 is not valued too expensively and it also shows a decent growth rate. BBVA also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

BBVA had positive earnings in the past year.

BBVA had a negative operating cash flow in the past year.

Each year in the past 5 years BBVA has been profitable.

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

1.2 Ratios

BBVA's Return On Assets of 1.31% is amongst the best of the industry. BBVA outperforms 84.09% of its industry peers.

The Return On Equity of BBVA (18.43%) is better than 96.97% 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

The Profit Margin of BBVA (21.31%) 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)	21.31%
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

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.

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

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

2.2 Solvency

BBVA has a Debt/Equity ratio of 1.75. This is a high value indicating a heavy dependency on external financing.

BBVA has a worse Debt to Equity ratio (1.75) than 89.14% of its industry peers.

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

ROIC/WACCN/A

WACC5.36%

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 impressive 30.88% over the past year.

Measured over the past years, BBVA shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.83% on average per year.

Looking at the last year, BBVA shows a quite strong growth in Revenue. The Revenue has grown by 14.31% in the last year.

BBVA shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.07% yearly.

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

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.45, which indicates a rather cheap valuation of BBVA.

Based on the Price/Earnings ratio, BBVA is valued cheaply inside the industry as 94.44% of the companies are valued more expensively.

BBVA is valuated cheaply when we compare the Price/Earnings ratio to 26.55, which is the current average of the S&P500 Index.

A Price/Forward Earnings ratio of 7.69 indicates a rather cheap valuation of BBVA.

Based on the Price/Forward Earnings ratio, BBVA is valued cheaply inside the industry as 82.32% of the companies are valued more expensively.

The average S&P500 Price/Forward Earnings ratio is at 22.40. BBVA is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	7.45
Fwd PE	7.69

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)0.36

EPS Next 2Y0.81%

EPS Next 3Y2%

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5. Dividend

5.1 Amount

BBVA has a Yearly Dividend Yield of 4.30%, which is a nice return.

BBVA's Dividend Yield is a higher than the industry average which is at 3.51.

BBVA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.

		Industry Rank	Sector Rank
Dividend Yield	4.3%

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

38.55% 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.

DP38.55%

EPS Next 2Y0.81%

EPS Next 3Y2%

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BANCO BILBAO VIZCAYA-SP ADR

NYSE:BBVA (6/11/2025, 8:04:00 PM)

After market: 15.13 -0.07 (-0.46%)

15.2

+0.12 (+0.8%)

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 Change-6.2%

Ins Owners0.09%

Ins Owner ChangeN/A

Market Cap87.50B

Analysts76.67

Price Target15.25 (0.33%)

Short Float %0.04%

Short Ratio1.08

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.3%

Yearly Dividend0.77

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)1.51%

PT rev (3m)16.81%

EPS NQ rev (1m)1.72%

EPS NQ rev (3m)3.92%

EPS NY rev (1m)0.05%

EPS NY rev (3m)3.95%

Revenue NQ rev (1m)0.38%

Revenue NQ rev (3m)-0.49%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.82%

Valuation

		Industry Rank	Sector Rank
PE	7.45
Fwd PE	7.69
P/S	1.61
P/FCF	N/A
P/OCF	N/A
P/B	1.39
P/tB	1.46
EV/EBITDA	N/A

EPS(TTM)2.04

EY13.42%

EPS(NY)1.98

Fwd EY13.01%

FCF(TTM)-3.92

FCFYN/A

OCF(TTM)-3.54

OCFYN/A

SpS9.46

BVpS10.93

TBVpS10.44

PEG (NY)N/A

PEG (5Y)0.36

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

WACC5.36%

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)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-SP ADR (BBVA) 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

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