BANCO BILBAO VIZCAYA-SP ADR (BBVA) Fundamental Analysis & Valuation

NYSE:BBVA • US05946K1016

Current stock price

20.565 USD
-0.2 (-0.99%)
Last:

This BBVA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. BBVA Profitability Analysis

1.1 Basic Checks

  • BBVA had positive earnings in the past year.
  • In the past year BBVA had a positive cash flow from operations.
  • Each year in the past 5 years BBVA has been profitable.
  • In multiple years BBVA reported negative operating cash flow during the last 5 years.
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

  • BBVA has a better Return On Assets (2.07%) than 96.33% of its industry peers.
  • BBVA's Return On Equity of 31.02% is amongst the best of the industry. BBVA outperforms 99.74% of its industry peers.
Industry RankSector Rank
ROA 2.07%
ROE 31.02%
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

  • Looking at the Profit Margin, with a value of 24.65%, BBVA is in line with its industry, outperforming 48.56% of the companies in the same 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 RankSector Rank
OM N/A
PM (TTM) 24.65%
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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1

2. BBVA Health Analysis

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.
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

  • The Debt to FCF ratio of BBVA is 6.22, which is on the high side as it means it would take BBVA, 6.22 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 6.22, BBVA is not doing good in the industry: 74.80% of the companies in the same industry are doing better.
  • BBVA has a Debt/Equity ratio of 1.43. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 1.43, BBVA is not doing good in the industry: 86.61% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.43
Debt/FCF 6.22
Altman-Z N/A
ROIC/WACCN/A
WACC5.97%
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. BBVA Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.06% over the past year.
  • BBVA shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 82.46% yearly.
  • Looking at the last year, BBVA shows a very strong growth in Revenue. The Revenue has grown by 53.97%.
  • The Revenue has been growing by 8.08% on average over the past years. This is quite good.
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

  • The Earnings Per Share is expected to grow by 7.31% on average over the next years.
  • The Revenue is expected to grow by 5.07% on average over the next years.
EPS Next Y11.31%
EPS Next 2Y11.32%
EPS Next 3Y10.99%
EPS Next 5Y7.31%
Revenue Next Year8.45%
Revenue Next 2Y6.69%
Revenue Next 3Y6.42%
Revenue Next 5Y5.07%

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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 2.5

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6

4. BBVA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.65, which indicates a very decent valuation of BBVA.
  • Based on the Price/Earnings ratio, BBVA is valued a bit cheaper than the industry average as 76.90% of the companies are valued more expensively.
  • BBVA is valuated cheaply when we compare the Price/Earnings ratio to 25.79, which is the current average of the S&P500 Index.
  • BBVA is valuated reasonably with a Price/Forward Earnings ratio of 8.68.
  • BBVA's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BBVA is cheaper than 71.92% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.80, BBVA is valued rather cheaply.
Industry RankSector Rank
PE 9.65
Fwd PE 8.68
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 cheap valuation: BBVA is cheaper than 81.10% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.7
EV/EBITDA N/A
BBVA Per share dataBBVA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 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)0.85
PEG (5Y)0.12
EPS Next 2Y11.32%
EPS Next 3Y10.99%

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

7

5. BBVA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.10%, BBVA is a good candidate for dividend investing.
  • BBVA's Dividend Yield is a higher than the industry average which is at 2.90.
  • Compared to an average S&P500 Dividend Yield of 1.91, BBVA pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.1%

5.2 History

  • On average, the dividend of BBVA grows each year by 35.74%, 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)35.74%
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 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 23.58% 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.
DP23.58%
EPS Next 2Y11.32%
EPS Next 3Y10.99%
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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BBVA Fundamentals: All Metrics, Ratios and Statistics

BANCO BILBAO VIZCAYA-SP ADR

NYSE:BBVA (3/19/2026, 1:01:45 PM)

20.565

-0.2 (-0.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05
Earnings (Next)04-30
Inst Owners43.64%
Inst Owner Change-2.39%
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap116.55B
Revenue(TTM)72.18B
Net Income(TTM)17.79B
Analysts75.33
Price Target25.96 (26.23%)
Short Float %0.05%
Short Ratio1.24
Dividend
Industry RankSector Rank
Dividend Yield 4.1%
Yearly Dividend0.86
Dividend Growth(5Y)35.74%
DP23.58%
Div Incr Years3
Div Non Decr Years3
Ex-Date04-09
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)20.02%
Min EPS beat(2)12.66%
Max EPS beat(2)27.38%
EPS beat(4)4
Avg EPS beat(4)15.31%
Min EPS beat(4)10.11%
Max EPS beat(4)27.38%
EPS beat(8)8
Avg EPS beat(8)11.91%
EPS beat(12)10
Avg EPS beat(12)8.26%
EPS beat(16)14
Avg EPS beat(16)22.3%
Revenue beat(2)0
Avg Revenue beat(2)-27.58%
Min Revenue beat(2)-27.8%
Max Revenue beat(2)-27.35%
Revenue beat(4)1
Avg Revenue beat(4)-13.98%
Min Revenue beat(4)-27.8%
Max Revenue beat(4)2.39%
Revenue beat(8)4
Avg Revenue beat(8)-5.32%
Revenue beat(12)7
Avg Revenue beat(12)-2.84%
Revenue beat(16)11
Avg Revenue beat(16)8.21%
PT rev (1m)2.71%
PT rev (3m)14.71%
EPS NQ rev (1m)-3.03%
EPS NQ rev (3m)1.22%
EPS NY rev (1m)0.55%
EPS NY rev (3m)2.77%
Revenue NQ rev (1m)2.59%
Revenue NQ rev (3m)4.27%
Revenue NY rev (1m)3.67%
Revenue NY rev (3m)4.23%
Valuation
Industry RankSector Rank
PE 9.65
Fwd PE 8.68
P/S 1.4
P/FCF 7.7
P/OCF 6.77
P/B 1.77
P/tB 1.86
EV/EBITDA N/A
EPS(TTM)2.13
EY10.36%
EPS(NY)2.37
Fwd EY11.52%
FCF(TTM)2.67
FCFY12.99%
OCF(TTM)3.04
OCFY14.77%
SpS14.65
BVpS11.64
TBVpS11.06
PEG (NY)0.85
PEG (5Y)0.12
Graham Number23.62
Profitability
Industry RankSector Rank
ROA 2.07%
ROE 31.02%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.65%
GM N/A
FCFM 18.24%
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 Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 1.43
Debt/FCF 6.22
Debt/EBITDA N/A
Cap/Depr 118.74%
Cap/Sales 2.5%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 73.97%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC5.97%
ROIC/WACCN/A
Cap/Depr(3y)126.52%
Cap/Depr(5y)128.02%
Cap/Sales(3y)4.61%
Cap/Sales(5y)4.95%
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 Y11.31%
EPS Next 2Y11.32%
EPS Next 3Y10.99%
EPS Next 5Y7.31%
Revenue 1Y (TTM)53.97%
Revenue growth 3Y4.39%
Revenue growth 5Y8.08%
Sales Q2Q%-26.9%
Revenue Next Year8.45%
Revenue Next 2Y6.69%
Revenue Next 3Y6.42%
Revenue Next 5Y5.07%
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 1Y165.16%
FCF growth 3Y-14.79%
FCF growth 5Y-19.2%
OCF growth 1Y182.29%
OCF growth 3Y-14.23%
OCF growth 5Y-17.58%

BANCO BILBAO VIZCAYA-SP ADR / BBVA Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for BANCO BILBAO VIZCAYA-SP ADR?

ChartMill assigns a fundamental rating of 4 / 10 to BBVA.


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

ChartMill assigns a valuation rating of 6 / 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 4 / 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 11.31% in the next year.