BBVA Fundamental Analysis - BANCO BILBAO VIZCAYA-SP ADR

Fundamental Rating

BBVA gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals 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. BBVA also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year BBVA was profitable.

In the past year BBVA has reported a negative cash flow from operations.

In the past 5 years BBVA has always been profitable.

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

1.2 Ratios

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

BBVA's Profit Margin of 21.31% is in line compared to the rest of the industry. BBVA outperforms 40.66% of its industry peers.

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.

Compared to 1 year ago, BBVA has less shares outstanding

Compared to 5 years ago, BBVA has less shares outstanding

BBVA 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 BBVA has dependencies on debt financing.

BBVA has a Debt to Equity ratio of 1.75. This is amonst the worse of the industry: BBVA underperforms 88.89% of its industry peers.

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

ROIC/WACCN/A

WACC5.5%

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

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.

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.

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, BBVA will show a small growth in Earnings Per Share. The EPS will grow by 3.06% on average per year.

BBVA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.65% yearly.

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.40, the valuation of BBVA can be described as very cheap.

BBVA's Price/Earnings ratio is rather cheap when compared to the industry. BBVA is cheaper than 94.70% of the companies in the same industry.

BBVA is valuated cheaply when we compare the Price/Earnings ratio to 27.69, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 7.61, the valuation of BBVA can be described as very cheap.

Based on the Price/Forward Earnings ratio, BBVA is valued cheaper than 87.37% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of BBVA to the average of the S&P500 Index (37.36), we can say BBVA is valued rather cheaply.

		Industry Rank	Sector Rank
PE	7.4
Fwd PE	7.61

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 4.44%, which is a nice return.

BBVA's Dividend Yield is rather good when compared to the industry average which is at 3.30. BBVA pays more dividend than 82.32% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.34, BBVA pays a better dividend.

		Industry Rank	Sector 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 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

BBVA pays out 38.55% of its income as dividend. This is a sustainable payout ratio.

BBVA's earnings are growing slower than its dividend. 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 (7/23/2025, 8:04:00 PM)

After market: 15.49 +0.09 (+0.58%)

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 Rank	Sector 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 Rank	Sector Rank
PE	7.4
Fwd PE	7.61
P/S	1.59
P/FCF	N/A
P/OCF	N/A
P/B	1.38
P/tB	1.44
EV/EBITDA	N/A

EPS(TTM)2.08

EY13.51%

EPS(NY)2.02

Fwd EY13.14%

FCF(TTM)-4.01

FCFYN/A

OCF(TTM)-3.63

OCFYN/A

SpS9.68

BVpS11.19

TBVpS10.69

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

WACC5.5%

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

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

More info and screens