BANCO BILBAO VIZCAYA-SP ADR (BBVA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BBVA - US05946K1016 - ADR
24.09 USD
-0.38 (-1.55%)
24.13 USD
+0.04 (+0.17%)
We assign a fundamental rating of 3 out of 10 to BBVA. BBVA was compared to 383 industry peers in the Banks industry. BBVA has a bad profitability rating. Also its financial health evaluation is rather negative. BBVA has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- BBVA had positive earnings in the past year.
- In the past year BBVA had a positive cash flow from operations.
- 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 1.23%, BBVA is in the better half of the industry, outperforming 78.85% of the companies in the same industry.
- With an excellent Return On Equity value of 17.37%, BBVA belongs to the best of the industry, outperforming 96.61% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.23% | ||
| ROE | 17.37% | ||
| 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 21.13% is on the low side compared to the rest of the industry. BBVA is outperformed by 63.19% of its industry peers.
- 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) | 21.13% | ||
| 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
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.
- Compared to 1 year ago, BBVA has an improved debt to assets ratio.
2.2 Solvency
- The Debt to FCF ratio of BBVA is 39.58, which is on the high side as it means it would take BBVA, 39.58 years of fcf income to pay off all of its debts.
- BBVA has a Debt to FCF ratio of 39.58. This is amonst the worse of the industry: BBVA underperforms 84.33% 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.
- BBVA has a worse Debt to Equity ratio (1.73) than 86.68% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.73 | ||
| Debt/FCF | 39.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.04%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- BBVA shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.41%.
- BBVA shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.83% yearly.
- The Revenue has been growing slightly by 7.42% in the past year.
- Measured over the past years, BBVA shows a quite strong growth in Revenue. The Revenue has been growing by 11.07% on average per year.
EPS 1Y (TTM)7.41%
EPS 3Y33.16%
EPS 5Y20.83%
EPS Q2Q%-6.67%
Revenue 1Y (TTM)7.42%
Revenue growth 3Y19.7%
Revenue growth 5Y11.07%
Sales Q2Q%-23.82%
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 5.09% on average per year.
- The Revenue is expected to grow by 3.27% on average over the next years.
EPS Next Y7.28%
EPS Next 2Y8.63%
EPS Next 3Y9.2%
EPS Next 5Y5.09%
Revenue Next Year4.87%
Revenue Next 2Y4.93%
Revenue Next 3Y4.52%
Revenue Next 5Y3.27%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 11.87, the valuation of BBVA can be described as reasonable.
- Based on the Price/Earnings ratio, BBVA is valued a bit cheaper than the industry average as 62.92% of the companies are valued more expensively.
- BBVA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.54.
- A Price/Forward Earnings ratio of 10.28 indicates a reasonable valuation of BBVA.
- The rest of the industry has a similar Price/Forward Earnings ratio as BBVA.
- BBVA is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.31, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.87 | ||
| Fwd PE | 10.28 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, BBVA is valued expensively inside the industry as 80.94% of the companies are valued cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 47.27 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- BBVA's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.63
PEG (5Y)0.57
EPS Next 2Y8.63%
EPS Next 3Y9.2%
5. Dividend
5.1 Amount
- BBVA has a Yearly Dividend Yield of 2.95%.
- BBVA's Dividend Yield is comparable with the industry average which is at 2.90.
- BBVA's Dividend Yield is rather good when compared to the S&P500 average which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.95% |
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 40.21% of its income as dividend. This is a bit on the high side, but may be sustainable.
- The dividend of BBVA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP40.21%
EPS Next 2Y8.63%
EPS Next 3Y9.2%
24.09
-0.38 (-1.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)02-05 2026-02-05/amc
Inst Owners41.45%
Inst Owner Change-0.02%
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap138.15B
Revenue(TTM)47.38B
Net Income(TTM)10.01B
Analysts77.04
Price Target22.63 (-6.06%)
Short Float %0.02%
Short Ratio0.73
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.95% |
Yearly Dividend0.79
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)2.4%
Revenue beat(16)12
Avg Revenue beat(16)11.08%
PT rev (1m)0%
PT rev (3m)13.61%
EPS NQ rev (1m)2.71%
EPS NQ rev (3m)-23.1%
EPS NY rev (1m)0.01%
EPS NY rev (3m)1.79%
Revenue NQ rev (1m)0.18%
Revenue NQ rev (3m)3.28%
Revenue NY rev (1m)0.29%
Revenue NY rev (3m)0.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.87 | ||
| Fwd PE | 10.28 | ||
| P/S | 2.51 | ||
| P/FCF | 47.27 | ||
| P/OCF | 27.89 | ||
| P/B | 2.06 | ||
| P/tB | 2.16 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.03
EY8.43%
EPS(NY)2.34
Fwd EY9.73%
FCF(TTM)0.51
FCFY2.12%
OCF(TTM)0.86
OCFY3.59%
SpS9.6
BVpS11.68
TBVpS11.14
PEG (NY)1.63
PEG (5Y)0.57
Graham Number23.1
Profitability
| Industry Rank | Sector 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)1.03%
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
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 3Y9.49%
PM growth 5Y10.24%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.06
Health
| Industry Rank | Sector 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
WACC6.04%
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)7.41%
EPS 3Y33.16%
EPS 5Y20.83%
EPS Q2Q%-6.67%
EPS Next Y7.28%
EPS Next 2Y8.63%
EPS Next 3Y9.2%
EPS Next 5Y5.09%
Revenue 1Y (TTM)7.42%
Revenue growth 3Y19.7%
Revenue growth 5Y11.07%
Sales Q2Q%-23.82%
Revenue Next Year4.87%
Revenue Next 2Y4.93%
Revenue Next 3Y4.52%
Revenue Next 5Y3.27%
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 1Y113.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y125.42%
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 4 / 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 7.28% in the next year.