BOY Fundamental Analysis - BANCO BILBAO VIZCAYA ARGENTA

Fundamental Rating

Taking everything into account, BOY scores 4 out of 10 in our fundamental rating. BOY was compared to 95 industry peers in the Banks industry. BOY has a medium profitability rating, but doesn't score so well on its financial health evaluation. BOY is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year BOY was profitable.

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

The Return On Assets of BOY (1.30%) is better than 86.32% of its industry peers.

BOY has a Return On Equity of 17.79%. This is amongst the best in the industry. BOY outperforms 89.47% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.3%
ROE	17.79%
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 of 21.66%. This is comparable to the rest of the industry: BOY outperforms 47.37% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	21.66%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

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

Compared to 1 year ago, BOY has less shares outstanding

Compared to 5 years ago, BOY has less shares outstanding

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

2.2 Solvency

The Debt to FCF ratio of BOY is 114.57, which is on the high side as it means it would take BOY, 114.57 years of fcf income to pay off all of its debts.

With a decent Debt to FCF ratio value of 114.57, BOY is doing good in the industry, outperforming 67.37% of the companies in the same industry.

A Debt/Equity ratio of 1.80 is on the high side and indicates that BOY has dependencies on debt financing.

BOY has a Debt to Equity ratio (1.80) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.8
Debt/FCF	114.57
Altman-Z	N/A

ROIC/WACCN/A

WACC5.59%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 18.00% over the past year.

BOY shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.83% yearly.

BOY shows a small growth in Revenue. In the last year, the Revenue has grown by 6.30%.

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)18%

EPS 3Y33.16%

EPS 5Y20.83%

EPS Q2Q%-2.13%

Revenue 1Y (TTM)6.3%

Revenue growth 3Y19.7%

Revenue growth 5Y11.07%

Sales Q2Q%-5.6%

3.2 Future

The Earnings Per Share is expected to grow by 3.25% 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 1.57% yearly.

EPS Next Y4.51%

EPS Next 2Y4.21%

EPS Next 3Y5.91%

EPS Next 5Y3.25%

Revenue Next Year3.82%

Revenue Next 2Y3.32%

Revenue Next 3Y3.36%

Revenue Next 5Y1.57%

3.3 Evolution

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

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

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.13, which indicates a very decent valuation of BOY.

BOY's Price/Earnings ratio is a bit cheaper when compared to the industry. BOY is cheaper than 70.53% of the companies in the same industry.

When comparing the Price/Earnings ratio of BOY to the average of the S&P500 Index (27.03), we can say BOY is valued rather cheaply.

A Price/Forward Earnings ratio of 8.75 indicates a reasonable valuation of BOY.

BOY's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BOY is cheaper than 80.00% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.63, BOY is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.13
Fwd PE	8.75

4.2 Price Multiples

66.32% of the companies in the same industry are more expensive than BOY, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	104.14
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BOY does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)2.02

PEG (5Y)0.44

EPS Next 2Y4.21%

EPS Next 3Y5.91%

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5. Dividend

5.1 Amount

BOY has a Yearly Dividend Yield of 3.45%.

BOY's Dividend Yield is slightly below the industry average, which is at 4.83.

Compared to an average S&P500 Dividend Yield of 2.34, BOY pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.45%

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

39.82% 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.

DP39.82%

EPS Next 2Y4.21%

EPS Next 3Y5.91%

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BANCO BILBAO VIZCAYA ARGENTA

FRA:BOY (8/25/2025, 7:00:00 PM)

16.155

-0.28 (-1.7%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-31 2025-07-31/bmo

Earnings (Next)10-30 2025-10-30

Inst Owners37.06%

Inst Owner ChangeN/A

Ins Owners0.09%

Ins Owner ChangeN/A

Market Cap93.00B

Analysts75.83

Price Target16.16 (0.03%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.45%

Yearly Dividend0.68

Dividend Growth(5Y)15.86%

DP39.82%

Div Incr Years3

Div Non Decr Years3

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)10.59%

Min EPS beat(2)10.11%

Max EPS beat(2)11.08%

EPS beat(4)4

Avg EPS beat(4)9.71%

Min EPS beat(4)5.97%

Max EPS beat(4)11.69%

EPS beat(8)6

Avg EPS beat(8)6.36%

EPS beat(12)10

Avg EPS beat(12)9.82%

EPS beat(16)14

Avg EPS beat(16)20.79%

Revenue beat(2)1

Avg Revenue beat(2)-0.39%

Min Revenue beat(2)-3.17%

Max Revenue beat(2)2.39%

Revenue beat(4)2

Avg Revenue beat(4)1.6%

Min Revenue beat(4)-3.17%

Max Revenue beat(4)8.01%

Revenue beat(8)6

Avg Revenue beat(8)2.54%

Revenue beat(12)10

Avg Revenue beat(12)11.21%

Revenue beat(16)14

Avg Revenue beat(16)16.77%

PT rev (1m)18.66%

PT rev (3m)21.21%

EPS NQ rev (1m)3.2%

EPS NQ rev (3m)8.81%

EPS NY rev (1m)6.21%

EPS NY rev (3m)6.21%

Revenue NQ rev (1m)2.96%

Revenue NQ rev (3m)2.72%

Revenue NY rev (1m)0.37%

Revenue NY rev (3m)0.37%

Valuation

		Industry Rank	Sector Rank
PE	9.13
Fwd PE	8.75
P/S	1.99
P/FCF	104.14
P/OCF	34.43
P/B	1.64
P/tB	1.71
EV/EBITDA	N/A

EPS(TTM)1.77

EY10.96%

EPS(NY)1.85

Fwd EY11.43%

FCF(TTM)0.16

FCFY0.96%

OCF(TTM)0.47

OCFY2.9%

SpS8.1

BVpS9.87

TBVpS9.43

PEG (NY)2.02

PEG (5Y)0.44

Profitability

		Industry Rank	Sector Rank
ROA	1.3%
ROE	17.79%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	21.66%
GM	N/A
FCFM	1.91%

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-Score7

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	1.8
Debt/FCF	114.57
Debt/EBITDA	N/A
Cap/Depr	118.71%
Cap/Sales	3.88%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	8.84%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC5.59%

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)18%

EPS 3Y33.16%

EPS 5Y20.83%

EPS Q2Q%-2.13%

EPS Next Y4.51%

EPS Next 2Y4.21%

EPS Next 3Y5.91%

EPS Next 5Y3.25%

Revenue 1Y (TTM)6.3%

Revenue growth 3Y19.7%

Revenue growth 5Y11.07%

Sales Q2Q%-5.6%

Revenue Next Year3.82%

Revenue Next 2Y3.32%

Revenue Next 3Y3.36%

Revenue Next 5Y1.57%

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 1Y115.53%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y163.34%

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

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