BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) Fundamental Analysis & Valuation

FRA:BOY • ES0113211835

Current stock price

18.745 EUR
-0.11 (-0.61%)
Last:

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

4

1. BOY.DE Profitability Analysis

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.
  • In multiple years BOY reported negative operating cash flow during the last 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 (2.07%) than 94.34% of its industry peers.
  • Looking at the Return On Equity, with a value of 31.02%, BOY belongs to the top of the industry, outperforming 97.17% of the companies in the same industry.
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
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

  • With a Profit Margin value of 24.65%, BOY perfoms like the industry average, outperforming 54.72% of the companies in the same industry.
  • 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 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
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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3

2. BOY.DE Health Analysis

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.
  • Compared to 1 year ago, BOY has an improved debt to assets ratio.
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 6.22, which is on the high side as it means it would take BOY, 6.22 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 6.22, BOY belongs to the best of the industry, outperforming 85.85% of the companies in the same industry.
  • BOY 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, BOY perfoms like the industry average, outperforming 54.72% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.43
Debt/FCF 6.22
Altman-Z N/A
ROIC/WACCN/A
WACC5.87%
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. BOY.DE Growth Analysis

3.1 Past

  • BOY shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.06%.
  • The Earnings Per Share has been growing by 82.46% on average over the past years. This is a very strong growth
  • Looking at the last year, BOY shows a very strong growth in Revenue. The Revenue has grown by 53.97%.
  • 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)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 Year9.81%
Revenue Next 2Y7.6%
Revenue Next 3Y6.94%
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.
  • 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. BOY.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.30, the valuation of BOY can be described as very reasonable.
  • BOY's Price/Earnings ratio is in line with the industry average.
  • BOY's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.21.
  • Based on the Price/Forward Earnings ratio of 9.25, the valuation of BOY can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, BOY is valued a bit cheaper than the industry average as 75.47% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of BOY to the average of the S&P500 Index (23.13), we can say BOY is valued rather cheaply.
Industry RankSector Rank
PE 10.3
Fwd PE 9.25
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of BOY indicates a somewhat cheap valuation: BOY is cheaper than 69.81% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.13
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)0.91
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. BOY.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.16%, BOY is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.88, BOY has a dividend in line with its industry peers.
  • BOY's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 4.16%

5.2 History

  • On average, the dividend of BOY grows each year by 35.74%, which is quite nice.
Dividend Growth(5Y)35.74%
Div Incr Years4
Div Non Decr Years4
BOY.DE Yearly Dividends per shareBOY.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • 23.58% of the earnings are spent on dividend by BOY. This is a low number and sustainable payout ratio.
  • BOY's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP23.58%
EPS Next 2Y11.32%
EPS Next 3Y10.99%
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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BOY.DE Fundamentals: All Metrics, Ratios and Statistics

BANCO BILBAO VIZCAYA ARGENTA

FRA:BOY (4/2/2026, 7:00:00 PM)

18.745

-0.11 (-0.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05
Earnings (Next)04-30
Inst Owners43.64%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap107.01B
Revenue(TTM)72.18B
Net Income(TTM)17.79B
Analysts75.33
Price Target21.98 (17.26%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.16%
Yearly Dividend0.74
Dividend Growth(5Y)35.74%
DP23.58%
Div Incr Years4
Div Non Decr Years4
Ex-DateN/A
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)8
Avg Revenue beat(12)-0.02%
Revenue beat(16)12
Avg Revenue beat(16)10.32%
PT rev (1m)0%
PT rev (3m)12.79%
EPS NQ rev (1m)-1.02%
EPS NQ rev (3m)-3.43%
EPS NY rev (1m)0%
EPS NY rev (3m)0.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.55%
Revenue NY rev (1m)1.26%
Revenue NY rev (3m)4.98%
Valuation
Industry RankSector Rank
PE 10.3
Fwd PE 9.25
P/S 1.48
P/FCF 8.13
P/OCF 7.15
P/B 1.87
P/tB 1.96
EV/EBITDA N/A
EPS(TTM)1.82
EY9.71%
EPS(NY)2.03
Fwd EY10.81%
FCF(TTM)2.31
FCFY12.3%
OCF(TTM)2.62
OCFY13.99%
SpS12.64
BVpS10.05
TBVpS9.55
PEG (NY)0.91
PEG (5Y)0.12
Graham Number20.28
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
WACC5.87%
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 Year9.81%
Revenue Next 2Y7.6%
Revenue Next 3Y6.94%
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 ARGENTA / BOY.DE Fundamental Analysis 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 of BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) stock?

ChartMill assigns a valuation rating of 5 / 10 to BANCO BILBAO VIZCAYA ARGENTA (BOY.DE). This can be considered as Fairly Valued.


Can you provide the profitability details for BANCO BILBAO VIZCAYA ARGENTA?

BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) has a profitability rating of 4 / 10.


How financially healthy is BANCO BILBAO VIZCAYA ARGENTA?

The financial health rating of BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) is 3 / 10.


Is the dividend of BANCO BILBAO VIZCAYA ARGENTA sustainable?

The dividend rating of BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) is 7 / 10 and the dividend payout ratio is 23.58%.