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

NYSE:BBVA • US05946K1016

23.2 USD
-0.29 (-1.23%)
At close: Feb 19, 2026
23.15 USD
-0.05 (-0.22%)
After Hours: 2/19/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BBVA. BBVA was compared to 381 industry peers in the Banks industry. BBVA has a bad profitability rating. Also its financial health evaluation is rather negative. BBVA has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year BBVA was profitable.
  • BBVA had a positive operating cash flow in the past year.
  • Each year in the past 5 years BBVA has been profitable.
  • In the past 5 years BBVA reported 4 times negative operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B -20B 30B

1.2 Ratios

  • With a decent Return On Assets value of 1.23%, BBVA is doing good in the industry, outperforming 77.95% of the companies in the same industry.
  • BBVA's Return On Equity of 17.37% is amongst the best of the industry. BBVA outperforms 96.33% of its industry peers.
Industry RankSector Rank
ROA 1.23%
ROE 17.37%
ROIC N/A
ROA(3y)1.14%
ROA(5y)0.98%
ROE(3y)16.62%
ROE(5y)14.5%
ROIC(3y)N/A
ROIC(5y)N/A
BBVA Yearly ROA, ROE, ROICBBVA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • The Profit Margin of BBVA (21.13%) is worse than 63.52% of its industry peers.
  • In the last couple of years the Profit Margin of BBVA has grown nicely.
  • The Operating Margin and Gross Margin are not available for BBVA so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 21.13%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y13.73%
PM growth 5Y39.36%
GM growth 3YN/A
GM growth 5YN/A
BBVA Yearly Profit, Operating, Gross MarginsBBVA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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
  • The debt/assets ratio for BBVA has been reduced compared to a year ago.
BBVA Yearly Shares OutstandingBBVA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B
BBVA Yearly Total Debt VS Total AssetsBBVA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200B 400B 600B 800B

2.2 Solvency

  • BBVA has a debt to FCF ratio of 39.58. This is a negative value and a sign of low solvency as BBVA would need 39.58 years to pay back of all of its debts.
  • The Debt to FCF ratio of BBVA (39.58) is worse than 85.04% of its industry peers.
  • A Debt/Equity ratio of 1.73 is on the high side and indicates that BBVA has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 1.73, BBVA is doing worse than 86.35% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.73
Debt/FCF 39.58
Altman-Z N/A
ROIC/WACCN/A
WACC5.99%
BBVA Yearly LT Debt VS Equity VS FCFBBVA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • BBVA shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.06%.
  • BBVA shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 82.46% yearly.
  • BBVA shows a strong growth in Revenue. In the last year, the Revenue has grown by 53.97%.
  • Measured over the past years, BBVA shows a quite strong growth in Revenue. The Revenue has been growing by 8.08% on average per year.
EPS 1Y (TTM)7.06%
EPS 3Y19.74%
EPS 5Y82.46%
EPS Q2Q%19.51%
Revenue 1Y (TTM)53.97%
Revenue growth 3Y4.39%
Revenue growth 5Y8.08%
Sales Q2Q%-26.9%

3.2 Future

  • BBVA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.82% yearly.
  • The Revenue is expected to grow by 4.68% on average over the next years.
EPS Next Y10.7%
EPS Next 2Y10.7%
EPS Next 3Y7.67%
EPS Next 5Y6.82%
Revenue Next Year4.98%
Revenue Next 2Y4.34%
Revenue Next 3Y4.1%
Revenue Next 5Y4.68%

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.
BBVA Yearly Revenue VS EstimatesBBVA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.5 1 1.5 2

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5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 10.59, the valuation of BBVA can be described as reasonable.
  • Based on the Price/Earnings ratio, BBVA is valued a bit cheaper than 76.90% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of BBVA to the average of the S&P500 Index (27.09), we can say BBVA is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 9.56, the valuation of BBVA can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, BBVA is valued a bit cheaper than 72.70% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.98. BBVA is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.59
Fwd PE 9.56
BBVA Price Earnings VS Forward Price EarningsBBVA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of BBVA indicates a rather expensive valuation: BBVA more expensive than 81.89% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 44.15
EV/EBITDA N/A
BBVA Per share dataBBVA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • BBVA's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.99
PEG (5Y)0.13
EPS Next 2Y10.7%
EPS Next 3Y7.67%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • BBVA has a Yearly Dividend Yield of 3.76%.
  • Compared to an average industry Dividend Yield of 2.78, BBVA pays a bit more dividend than its industry peers.
  • BBVA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 3.76%

5.2 History

  • On average, the dividend of BBVA grows each year by 15.86%, which is quite nice.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 40.21% of the earnings are spent on dividend by BBVA. This is a bit on the high side, but may be sustainable.
  • BBVA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP40.21%
EPS Next 2Y10.7%
EPS Next 3Y7.67%
BBVA Yearly Income VS Free CF VS DividendBBVA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B -20B 30B
BBVA Dividend Payout.BBVA Dividend Payout, showing the Payout Ratio.BBVA Dividend Payout.PayoutRetained Earnings

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BANCO BILBAO VIZCAYA-SP ADR

NYSE:BBVA (2/19/2026, 8:04:00 PM)

After market: 23.15 -0.05 (-0.22%)

23.2

-0.29 (-1.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05
Earnings (Next)04-30
Inst Owners41.45%
Inst Owner Change-2.01%
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap131.49B
Revenue(TTM)72.18B
Net Income(TTM)10.01B
Analysts75.17
Price Target25.28 (8.97%)
Short Float %0.03%
Short Ratio0.88
Dividend
Industry RankSector Rank
Dividend Yield 3.76%
Yearly Dividend0.81
Dividend Growth(5Y)15.86%
DP40.21%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)19.23%
Min EPS beat(2)11.08%
Max EPS beat(2)27.38%
EPS beat(4)4
Avg EPS beat(4)13.63%
Min EPS beat(4)5.97%
Max EPS beat(4)27.38%
EPS beat(8)7
Avg EPS beat(8)10.27%
EPS beat(12)10
Avg EPS beat(12)7.45%
EPS beat(16)14
Avg EPS beat(16)22.07%
Revenue beat(2)0
Avg Revenue beat(2)-15.26%
Min Revenue beat(2)-27.35%
Max Revenue beat(2)-3.17%
Revenue beat(4)2
Avg Revenue beat(4)-5.03%
Min Revenue beat(4)-27.35%
Max Revenue beat(4)8.01%
Revenue beat(8)5
Avg Revenue beat(8)-1.69%
Revenue beat(12)8
Avg Revenue beat(12)2.35%
Revenue beat(16)12
Avg Revenue beat(16)12.64%
PT rev (1m)11.68%
PT rev (3m)20.26%
EPS NQ rev (1m)33.97%
EPS NQ rev (3m)40.22%
EPS NY rev (1m)1.61%
EPS NY rev (3m)4.9%
Revenue NQ rev (1m)1.99%
Revenue NQ rev (3m)6.17%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.5%
Valuation
Industry RankSector Rank
PE 10.59
Fwd PE 9.56
P/S 2.34
P/FCF 44.15
P/OCF 26.05
P/B 1.93
P/tB 2.02
EV/EBITDA N/A
EPS(TTM)2.19
EY9.44%
EPS(NY)2.43
Fwd EY10.46%
FCF(TTM)0.53
FCFY2.26%
OCF(TTM)0.89
OCFY3.84%
SpS9.9
BVpS12.05
TBVpS11.49
PEG (NY)0.99
PEG (5Y)0.13
Graham Number24.36
Profitability
Industry RankSector Rank
ROA 1.23%
ROE 17.37%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.13%
GM N/A
FCFM 5.31%
ROA(3y)1.14%
ROA(5y)0.98%
ROE(3y)16.62%
ROE(5y)14.5%
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 3Y13.73%
PM growth 5Y39.36%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 1.73
Debt/FCF 39.58
Debt/EBITDA N/A
Cap/Depr 113.8%
Cap/Sales 3.69%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 25.11%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC5.99%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)7.06%
EPS 3Y19.74%
EPS 5Y82.46%
EPS Q2Q%19.51%
EPS Next Y10.7%
EPS Next 2Y10.7%
EPS Next 3Y7.67%
EPS Next 5Y6.82%
Revenue 1Y (TTM)53.97%
Revenue growth 3Y4.39%
Revenue growth 5Y8.08%
Sales Q2Q%-26.9%
Revenue Next Year4.98%
Revenue Next 2Y4.34%
Revenue Next 3Y4.1%
Revenue Next 5Y4.68%
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 1Y217.37%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1157.57%
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 3 / 10 to BBVA.


What is the valuation status of BANCO BILBAO VIZCAYA-SP ADR (BBVA) stock?

ChartMill assigns a valuation rating of 5 / 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 3 / 10.


What is the financial health of BANCO BILBAO VIZCAYA-SP ADR (BBVA) stock?

The financial health rating of BANCO BILBAO VIZCAYA-SP ADR (BBVA) is 1 / 10.


Can you provide the expected EPS growth for BBVA stock?

The Earnings per Share (EPS) of BANCO BILBAO VIZCAYA-SP ADR (BBVA) is expected to grow by 10.7% in the next year.