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 393 industry peers in the Banks industry. There are concerns on the financial health of BBVA while its profitability can be described as average. BBVA has a correct valuation and a medium growth rate.

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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.

BBVA had positive earnings in each of the past 5 years.

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

1.2 Ratios

Looking at the Return On Assets, with a value of 1.31%, BBVA belongs to the top of the industry, outperforming 83.97% of the companies in the same industry.

BBVA has a Return On Equity of 18.43%. This is amongst the best in the industry. BBVA outperforms 96.95% 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

Looking at the Profit Margin, with a value of 21.31%, BBVA is in line with its industry, outperforming 41.98% of the companies in the same industry.

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 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.

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.

With a Debt to Equity ratio value of 1.75, BBVA is not doing good in the industry: 88.04% of the companies in the same industry are doing better.

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

ROIC/WACCN/A

WACC5.73%

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

BBVA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.00%, which is quite good.

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 19.69% 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)18%

EPS 3Y33.16%

EPS 5Y20.83%

EPS Q2Q%-2.13%

Revenue 1Y (TTM)19.69%

Revenue growth 3Y19.7%

Revenue growth 5Y11.07%

Sales Q2Q%-5.6%

3.2 Future

BBVA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.06% yearly.

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 Year3.34%

Revenue Next 2Y2.5%

Revenue Next 3Y2.72%

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

Based on the Price/Earnings ratio of 9.20, the valuation of BBVA can be described as reasonable.

BBVA's Price/Earnings ratio is rather cheap when compared to the industry. BBVA is cheaper than 87.28% of the companies in the same industry.

When comparing the Price/Earnings ratio of BBVA to the average of the S&P500 Index (26.93), we can say BBVA is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 9.42, the valuation of BBVA can be described as reasonable.

BBVA's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BBVA is cheaper than 65.39% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 35.31. BBVA is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	9.2
Fwd PE	9.42

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)0.44

EPS Next 2Y0.81%

EPS Next 3Y2%

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5. Dividend

5.1 Amount

BBVA has a Yearly Dividend Yield of 3.66%.

BBVA's Dividend Yield is a higher than the industry average which is at 3.54.

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	3.66%

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

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 (8/14/2025, 8:04:13 PM)

Premarket: 19.38 +0.33 (+1.73%)

19.05

+0.33 (+1.76%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-31 2025-07-31/bmo

Earnings (Next)10-30 2025-10-30

Inst Owners37.06%

Inst Owner Change1.13%

Ins Owners0.09%

Ins Owner ChangeN/A

Market Cap109.66B

Analysts75.83

Price Target17.59 (-7.66%)

Short Float %0.06%

Short Ratio1.45

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.66%

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)12.02%

PT rev (3m)17.05%

EPS NQ rev (1m)-1.22%

EPS NQ rev (3m)1.3%

EPS NY rev (1m)0%

EPS NY rev (3m)0.05%

Revenue NQ rev (1m)0.1%

Revenue NQ rev (3m)0.48%

Revenue NY rev (1m)-0.08%

Revenue NY rev (3m)-0.08%

Valuation

		Industry Rank	Sector Rank
PE	9.2
Fwd PE	9.42
P/S	1.97
P/FCF	N/A
P/OCF	N/A
P/B	1.7
P/tB	1.78
EV/EBITDA	N/A

EPS(TTM)2.07

EY10.87%

EPS(NY)2.02

Fwd EY10.61%

FCF(TTM)-4.01

FCFYN/A

OCF(TTM)-3.62

OCFYN/A

SpS9.67

BVpS11.18

TBVpS10.68

PEG (NY)N/A

PEG (5Y)0.44

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

WACC5.73%

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)18%

EPS 3Y33.16%

EPS 5Y20.83%

EPS Q2Q%-2.13%

EPS Next Y-1.6%

EPS Next 2Y0.81%

EPS Next 3Y2%

EPS Next 5Y3.06%

Revenue 1Y (TTM)19.69%

Revenue growth 3Y19.7%

Revenue growth 5Y11.07%

Sales Q2Q%-5.6%

Revenue Next Year3.34%

Revenue Next 2Y2.5%

Revenue Next 3Y2.72%

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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