BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) Stock Fundamental Analysis
Europe - FRA:BOY - ES0113211835 - Common Stock
18.525 EUR
+0.32 (+1.76%)
We assign a fundamental rating of 4 out of 10 to BOY. BOY was compared to 96 industry peers in the Banks industry. BOY has a medium profitability rating, but doesn't score so well on its financial health evaluation. BOY has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
BOY had positive earnings in the past year.
In the past year BOY had a positive cash flow from operations.
In the past 5 years BOY has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: BOY reported negative operating cash flow in multiple years.
1.2 Ratios
BOY's Return On Assets of 1.23% is amongst the best of the industry. BOY outperforms 84.38% of its industry peers.
BOY has a better Return On Equity (17.37%) than 90.63% of its industry peers.
| 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
BOY has a Profit Margin (21.13%) which is in line with its industry peers.
In the last couple of years the Profit Margin of BOY has grown nicely.
BOY 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
BOY does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BOY has been reduced compared to 1 year ago.
The number of shares outstanding for BOY has been reduced compared to 5 years ago.
Compared to 1 year ago, BOY has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of BOY is 39.58, which is on the high side as it means it would take BOY, 39.58 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 39.58, BOY is in the better half of the industry, outperforming 67.71% of the companies in the same industry.
BOY has a Debt/Equity ratio of 1.73. This is a high value indicating a heavy dependency on external financing.
BOY has a better Debt to Equity ratio (1.73) than 60.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.73 | ||
| Debt/FCF | 39.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.75%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BOY shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.41%.
The Earnings Per Share has been growing by 20.83% on average over the past years. This is a very strong growth
Looking at the last year, BOY shows a small growth in Revenue. The Revenue has grown by 7.42% 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)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
BOY is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.40% yearly.
BOY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.23% yearly.
EPS Next Y7.06%
EPS Next 2Y7.1%
EPS Next 3Y7.83%
EPS Next 5Y5.4%
Revenue Next Year4.3%
Revenue Next 2Y4.15%
Revenue Next 3Y4.01%
Revenue Next 5Y3.23%
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
BOY is valuated reasonably with a Price/Earnings ratio of 10.65.
BOY's Price/Earnings is on the same level as the industry average.
BOY is valuated cheaply when we compare the Price/Earnings ratio to 26.35, which is the current average of the S&P500 Index.
BOY is valuated reasonably with a Price/Forward Earnings ratio of 9.50.
Based on the Price/Forward Earnings ratio, BOY is valued cheaper than 80.21% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 33.72, BOY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.65 | ||
| Fwd PE | 9.5 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BOY is valued a bit cheaper than 65.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 42.41 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.51
PEG (5Y)0.51
EPS Next 2Y7.1%
EPS Next 3Y7.83%
5. Dividend
5.1 Amount
BOY has a Yearly Dividend Yield of 3.30%. Purely for dividend investing, there may be better candidates out there.
BOY's Dividend Yield is slightly below the industry average, which is at 4.84.
Compared to an average S&P500 Dividend Yield of 2.36, BOY pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.3% |
5.2 History
The dividend of BOY is nicely growing with an annual growth rate of 15.86%!
Dividend Growth(5Y)15.86%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
BOY pays out 40.21% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of BOY is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP40.21%
EPS Next 2Y7.1%
EPS Next 3Y7.83%
FRA:BOY (11/11/2025, 7:00:00 PM)
18.525
+0.32 (+1.76%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners40.29%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap106.62B
Revenue(TTM)47.38B
Net Income(TTM)10.01B
Analysts76.92
Price Target17.98 (-2.94%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.3% |
Yearly Dividend0.68
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)9
Avg Revenue beat(12)5.22%
Revenue beat(16)13
Avg Revenue beat(16)13.19%
PT rev (1m)5.47%
PT rev (3m)17.98%
EPS NQ rev (1m)-26.55%
EPS NQ rev (3m)-20.36%
EPS NY rev (1m)1.2%
EPS NY rev (3m)8.8%
Revenue NQ rev (1m)-0.79%
Revenue NQ rev (3m)2.65%
Revenue NY rev (1m)0.39%
Revenue NY rev (3m)0.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.65 | ||
| Fwd PE | 9.5 | ||
| P/S | 2.25 | ||
| P/FCF | 42.41 | ||
| P/OCF | 25.02 | ||
| P/B | 1.85 | ||
| P/tB | 1.94 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.74
EY9.39%
EPS(NY)1.95
Fwd EY10.53%
FCF(TTM)0.44
FCFY2.36%
OCF(TTM)0.74
OCFY4%
SpS8.23
BVpS10.02
TBVpS9.55
PEG (NY)1.51
PEG (5Y)0.51
Graham Number19.8
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
WACC5.75%
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 Y7.06%
EPS Next 2Y7.1%
EPS Next 3Y7.83%
EPS Next 5Y5.4%
Revenue 1Y (TTM)7.42%
Revenue growth 3Y19.7%
Revenue growth 5Y11.07%
Sales Q2Q%-23.82%
Revenue Next Year4.3%
Revenue Next 2Y4.15%
Revenue Next 3Y4.01%
Revenue Next 5Y3.23%
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 ARGENTA / BOY.DE FAQ
What is the ChartMill fundamental rating of BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) stock?
ChartMill assigns a fundamental rating of 4 / 10 to BOY.DE.
What is the valuation status for BOY stock?
ChartMill assigns a valuation rating of 5 / 10 to BANCO BILBAO VIZCAYA ARGENTA (BOY.DE). This can be considered as Fairly Valued.
How profitable is BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) stock?
BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) has a profitability rating of 4 / 10.
What is the earnings growth outlook for BANCO BILBAO VIZCAYA ARGENTA?
The Earnings per Share (EPS) of BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) is expected to grow by 7.06% in the next year.
Can you provide the dividend sustainability for BOY stock?
The dividend rating of BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) is 4 / 10 and the dividend payout ratio is 40.21%.