BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) Stock Fundamental Analysis

Europe • Frankfurt Stock Exchange • FRA:BOY • ES0113211835

20.58 EUR
-0.05 (-0.24%)
Last: Feb 10, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

Taking everything into account, BOY scores 4 out of 10 in our fundamental rating. BOY was compared to 114 industry peers in the Banks industry. BOY may be in some trouble as it scores bad on both profitability and health. BOY has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year BOY was profitable.
  • BOY had a positive operating cash flow in the past year.
  • In the past 5 years BOY has always been profitable.
  • BOY had negative operating cash flow in 4 of the past 5 years.
BOY.DE Yearly Net Income VS EBIT VS OCF VS FCFBOY.DE 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

  • BOY has a better Return On Assets (1.23%) than 78.07% of its industry peers.
  • Looking at the Return On Equity, with a value of 17.37%, BOY belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
Industry RankSector Rank
ROA 1.23%
ROE 17.37%
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
BOY.DE Yearly ROA, ROE, ROICBOY.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • BOY's Profit Margin of 21.13% is in line compared to the rest of the industry. BOY outperforms 40.35% of its industry peers.
  • BOY's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for BOY so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 21.13%
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
BOY.DE Yearly Profit, Operating, Gross MarginsBOY.DE 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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • Compared to 5 years ago, BOY has less shares outstanding
  • BOY has a better debt/assets ratio than last year.
BOY.DE Yearly Shares OutstandingBOY.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B
BOY.DE Yearly Total Debt VS Total AssetsBOY.DE 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 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.
  • With a decent Debt to FCF ratio value of 39.58, BOY is doing good in the industry, outperforming 60.53% 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.
  • Looking at the Debt to Equity ratio, with a value of 1.73, BOY is in line with its industry, outperforming 54.39% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.73
Debt/FCF 39.58
Altman-Z N/A
ROIC/WACCN/A
WACC5.85%
BOY.DE Yearly LT Debt VS Equity VS FCFBOY.DE 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
BOY.DE Yearly Current Assets VS Current LiabilitesBOY.DE 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. Growth

3.1 Past

  • BOY shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.19%.
  • Measured over the past years, BOY shows a very strong growth in Earnings Per Share. The EPS has been growing by 81.12% on average per year.
  • The Revenue has grown by 53.97% in the past year. This is a very strong growth!
  • Measured over the past years, BOY shows a quite strong growth in Revenue. The Revenue has been growing by 8.08% on average per year.
EPS 1Y (TTM)3.19%
EPS 3Y18.28%
EPS 5Y81.12%
EPS Q2Q%3.46%
Revenue 1Y (TTM)53.97%
Revenue growth 3Y4.39%
Revenue growth 5Y8.08%
Sales Q2Q%0.53%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.57% on average over the next years.
  • BOY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.87% yearly.
EPS Next Y14.85%
EPS Next 2Y12.76%
EPS Next 3Y9%
EPS Next 5Y5.57%
Revenue Next Year4.98%
Revenue Next 2Y4.34%
Revenue Next 3Y4.1%
Revenue Next 5Y2.87%

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.
BOY.DE Yearly Revenue VS EstimatesBOY.DE 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
BOY.DE Yearly EPS VS EstimatesBOY.DE 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

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5

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 11.76, which indicates a very decent valuation of BOY.
  • BOY's Price/Earnings is on the same level as the industry average.
  • When comparing the Price/Earnings ratio of BOY to the average of the S&P500 Index (28.23), we can say BOY is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 10.21, the valuation of BOY can be described as reasonable.
  • 80.70% of the companies in the same industry are more expensive than BOY, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of BOY to the average of the S&P500 Index (28.01), we can say BOY is valued rather cheaply.
Industry RankSector Rank
PE 11.76
Fwd PE 10.21
BOY.DE Price Earnings VS Forward Price EarningsBOY.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as BOY.
Industry RankSector Rank
P/FCF 46.39
EV/EBITDA N/A
BOY.DE Per share dataBOY.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.79
PEG (5Y)0.14
EPS Next 2Y12.76%
EPS Next 3Y9%

More info and screens

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

5

5. Dividend

5.1 Amount

  • BOY has a Yearly Dividend Yield of 3.73%. Purely for dividend investing, there may be better candidates out there.
  • BOY's Dividend Yield is comparable with the industry average which is at 4.12.
  • BOY's Dividend Yield is rather good when compared to the S&P500 average which is at 1.79.
Industry RankSector Rank
Dividend Yield 3.73%

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
BOY.DE Yearly Dividends per shareBOY.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

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 2Y12.76%
EPS Next 3Y9%
BOY.DE Yearly Income VS Free CF VS DividendBOY.DE 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
BOY.DE Dividend Payout.BOY.DE Dividend Payout, showing the Payout Ratio.BOY.DE Dividend Payout.PayoutRetained Earnings

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BANCO BILBAO VIZCAYA ARGENTA

FRA:BOY (2/10/2026, 7:00:00 PM)

20.58

-0.05 (-0.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05
Earnings (Next)04-27
Inst Owners41.45%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap116.64B
Revenue(TTM)72.18B
Net Income(TTM)10.01B
Analysts77.04
Price Target21.37 (3.84%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.73%
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)5.16%
Revenue beat(16)13
Avg Revenue beat(16)14.75%
PT rev (1m)9.63%
PT rev (3m)18.83%
EPS NQ rev (1m)32.42%
EPS NQ rev (3m)38.11%
EPS NY rev (1m)0.44%
EPS NY rev (3m)3.32%
Revenue NQ rev (1m)1.97%
Revenue NQ rev (3m)6.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.5%
Valuation
Industry RankSector Rank
PE 11.76
Fwd PE 10.21
P/S 2.46
P/FCF 46.39
P/OCF 27.37
P/B 2.02
P/tB 2.12
EV/EBITDA N/A
EPS(TTM)1.75
EY8.5%
EPS(NY)2.01
Fwd EY9.79%
FCF(TTM)0.44
FCFY2.16%
OCF(TTM)0.75
OCFY3.65%
SpS8.36
BVpS10.17
TBVpS9.7
PEG (NY)0.79
PEG (5Y)0.14
Graham Number20.01
Profitability
Industry RankSector 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)1.14%
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 Turnover0.06
Health
Industry RankSector 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
WACC5.85%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)3.19%
EPS 3Y18.28%
EPS 5Y81.12%
EPS Q2Q%3.46%
EPS Next Y14.85%
EPS Next 2Y12.76%
EPS Next 3Y9%
EPS Next 5Y5.57%
Revenue 1Y (TTM)53.97%
Revenue growth 3Y4.39%
Revenue growth 5Y8.08%
Sales Q2Q%0.53%
Revenue Next Year4.98%
Revenue Next 2Y4.34%
Revenue Next 3Y4.1%
Revenue Next 5Y2.87%
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 1Y217.37%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1157.57%
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.


Can you provide the valuation status for BANCO BILBAO VIZCAYA ARGENTA?

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 3 / 10.


Can you provide the PE and PB ratios for BOY stock?

The Price/Earnings (PE) ratio for BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) is 11.76 and the Price/Book (PB) ratio is 2.02.


Is the dividend of BANCO BILBAO VIZCAYA ARGENTA sustainable?

The dividend rating of BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) is 5 / 10 and the dividend payout ratio is 40.21%.