BANCO BILBAO VIZCAYA ARGENTA(FRA:BOY) stock Fundamental Analysis

Fundamental Rating

BOY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 95 industry peers in the Banks industry. While BOY is still in line with the averages on profitability rating, there are concerns on its financial health. BOY has a decent growth rate and is not valued too expensively.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year BOY was profitable.

BOY had a negative operating cash flow in the past year.

In the past 5 years BOY has always been profitable.

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

1.2 Ratios

With an excellent Return On Assets value of 1.25%, BOY belongs to the best of the industry, outperforming 81.05% of the companies in the same industry.

BOY's Return On Equity of 17.37% is amongst the best of the industry. BOY outperforms 88.42% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.25%
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's Profit Margin of 20.62% is in line compared to the rest of the industry. BOY outperforms 48.42% of its industry peers.

In the last couple of years the Profit Margin of BOY has grown nicely.

The Operating Margin and Gross Margin are not available for BOY so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	20.62%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

BOY does not have a ROIC to compare to the WACC, probably because it is not profitable.

BOY has less shares outstanding than it did 1 year ago.

The number of shares outstanding for BOY has been reduced compared to 5 years ago.

The debt/assets ratio for BOY has been reduced compared to a year ago.

2.2 Solvency

BOY has a Debt/Equity ratio of 1.75. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 1.75, BOY perfoms like the industry average, outperforming 58.95% of the companies in the same industry.

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

ROIC/WACCN/A

WACC5.39%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

BOY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.16%, which is quite impressive.

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 quite strong growth in Revenue. The Revenue has grown by 19.69% in the last year.

BOY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.07% yearly.

EPS 1Y (TTM)28.16%

EPS 3Y33.16%

EPS 5Y20.83%

EPS Q2Q%11.63%

Revenue 1Y (TTM)19.69%

Revenue growth 3Y19.7%

Revenue growth 5Y11.07%

Sales Q2Q%4.89%

3.2 Future

Based on estimates for the next years, BOY will show a small growth in Earnings Per Share. The EPS will grow by 2.48% on average per year.

The Revenue is expected to grow by 1.19% on average over the next years.

EPS Next Y-1.6%

EPS Next 2Y0.81%

EPS Next 3Y2%

EPS Next 5Y2.48%

Revenue Next Year3.61%

Revenue Next 2Y2.97%

Revenue Next 3Y3.08%

Revenue Next 5Y1.19%

3.3 Evolution

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

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.36, the valuation of BOY can be described as very cheap.

Based on the Price/Earnings ratio, BOY is valued a bit cheaper than the industry average as 75.79% of the companies are valued more expensively.

BOY's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.12.

A Price/Forward Earnings ratio of 7.41 indicates a rather cheap valuation of BOY.

86.32% of the companies in the same industry are more expensive than BOY, based on the Price/Forward Earnings ratio.

BOY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.42.

		Industry Rank	Sector Rank
PE	7.36
Fwd PE	7.41

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)0.35

EPS Next 2Y0.81%

EPS Next 3Y2%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

BOY has a Yearly Dividend Yield of 4.70%, which is a nice return.

Compared to an average industry Dividend Yield of 5.30, BOY has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.44, BOY pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.7%

5.2 History

On average, the dividend of BOY grows each year by 15.86%, which is quite nice.

Dividend Growth(5Y)15.86%

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

BOY pays out 40.48% of its income as dividend. This is a bit on the high side, but may be sustainable.

BOY's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP40.48%

EPS Next 2Y0.81%

EPS Next 3Y2%

More info and screens

Find the best dividend stocks

Show peers with best dividend

BANCO BILBAO VIZCAYA ARGENTA

FRA:BOY (5/8/2025, 7:00:00 PM)

12.8

+0.23 (+1.79%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-29 2025-04-29/bmo

Earnings (Next)07-31 2025-07-31

Inst Owners33.58%

Inst Owner ChangeN/A

Ins Owners0.09%

Ins Owner ChangeN/A

Market Cap73.68B

Analysts76.8

Price Target12.89 (0.7%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.7%

Yearly Dividend0.68

Dividend Growth(5Y)15.86%

DP40.48%

Div Incr Years3

Div Non Decr Years3

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)8.83%

Min EPS beat(2)5.97%

Max EPS beat(2)11.69%

EPS beat(4)4

Avg EPS beat(4)8.52%

Min EPS beat(4)5.97%

Max EPS beat(4)11.69%

EPS beat(8)6

Avg EPS beat(8)4.73%

EPS beat(12)10

Avg EPS beat(12)24.63%

EPS beat(16)14

Avg EPS beat(16)26.37%

Revenue beat(2)1

Avg Revenue beat(2)3.59%

Min Revenue beat(2)-0.83%

Max Revenue beat(2)8.01%

Revenue beat(4)3

Avg Revenue beat(4)3.35%

Min Revenue beat(4)-0.83%

Max Revenue beat(4)8.01%

Revenue beat(8)7

Avg Revenue beat(8)6.96%

Revenue beat(12)11

Avg Revenue beat(12)16.34%

Revenue beat(16)15

Avg Revenue beat(16)20.4%

PT rev (1m)0.63%

PT rev (3m)10.62%

EPS NQ rev (1m)0%

EPS NQ rev (3m)4.55%

EPS NY rev (1m)0.25%

EPS NY rev (3m)7.94%

Revenue NQ rev (1m)-0.35%

Revenue NQ rev (3m)5.21%

Revenue NY rev (1m)0.99%

Revenue NY rev (3m)6.74%

Valuation

		Industry Rank	Sector Rank
PE	7.36
Fwd PE	7.41
P/S	1.57
P/FCF	N/A
P/OCF	N/A
P/B	1.32
P/tB	1.39
EV/EBITDA	N/A

EPS(TTM)1.74

EY13.59%

EPS(NY)1.73

Fwd EY13.5%

FCF(TTM)-3.51

FCFYN/A

OCF(TTM)-3.16

OCFYN/A

SpS8.14

BVpS9.67

TBVpS9.24

PEG (NY)N/A

PEG (5Y)0.35

Profitability

		Industry Rank	Sector Rank
ROA	1.25%
ROE	17.37%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	20.62%
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	131.18%
Cap/Sales	4.29%
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

WACC5.39%

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)28.16%

EPS 3Y33.16%

EPS 5Y20.83%

EPS Q2Q%11.63%

EPS Next Y-1.6%

EPS Next 2Y0.81%

EPS Next 3Y2%

EPS Next 5Y2.48%

Revenue 1Y (TTM)19.69%

Revenue growth 3Y19.7%

Revenue growth 5Y11.07%

Sales Q2Q%4.89%

Revenue Next Year3.61%

Revenue Next 2Y2.97%

Revenue Next 3Y3.08%

Revenue Next 5Y1.19%

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-695.31%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-2422.88%

OCF growth 3YN/A

OCF growth 5YN/A

BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) 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

More info and screens