BBVA Fundamental Analysis - BANCO BILBAO VIZCAYA-SP ADR

Fundamental Rating

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.

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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.

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 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 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 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.

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.

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 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.

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.

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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 Rank	Sector Rank
PE	7.37
Fwd PE	7.59

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)0.35

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.

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 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 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

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%

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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 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	7.37
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 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