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

FRA:BOY • ES0113211835

18.295 EUR
-0.15 (-0.84%)
Last: Mar 9, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

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

Fundamental Rating

4

BOY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 116 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. BOY also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. BOY.DE Profitability Analysis

1.1 Basic Checks

  • In the past year BOY was profitable.
  • In the past year BOY had a positive cash flow from operations.
  • Each year in the past 5 years BOY has 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 94.83% of its industry peers.
  • The Return On Equity of BOY (31.02%) is better than 98.28% of its industry peers.
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

  • BOY has a Profit Margin of 24.65%. This is comparable to the rest of the industry: BOY outperforms 51.72% 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) 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • Compared to 1 year ago, BOY has less shares outstanding
  • The number of shares outstanding for BOY has been reduced compared to 5 years ago.
  • 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

  • BOY has a debt to FCF ratio of 6.22. This is a slightly negative value and a sign of low solvency as BOY would need 6.22 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 6.22, BOY belongs to the top of the industry, outperforming 85.34% 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.
  • The Debt to Equity ratio of BOY (1.43) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.43
Debt/FCF 6.22
Altman-Z N/A
ROIC/WACCN/A
WACC5.84%
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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. BOY.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.06% over the past year.
  • BOY shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 82.46% yearly.
  • 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)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

  • Based on estimates for the next years, BOY will show a small growth in Earnings Per Share. The EPS will grow by 7.31% on average per year.
  • 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 Year8.45%
Revenue Next 2Y6.69%
Revenue Next 3Y6.42%
Revenue Next 5Y5.07%

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.
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

More info and screens

Find the best growth stocksShow best growing peers

6

4. BOY.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • BOY is valuated reasonably with a Price/Earnings ratio of 10.05.
  • Based on the Price/Earnings ratio, BOY is valued a bit cheaper than 65.52% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of BOY to the average of the S&P500 Index (26.46), we can say BOY is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 9.03, the valuation of BOY can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BOY indicates a somewhat cheap valuation: BOY is cheaper than 76.72% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of BOY to the average of the S&P500 Index (24.65), we can say BOY is valued rather cheaply.
Industry RankSector Rank
PE 10.05
Fwd PE 9.03
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

  • Based on the Price/Free Cash Flow ratio, BOY is valued a bit cheaper than the industry average as 72.41% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.88
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

  • BOY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.89
PEG (5Y)0.12
EPS Next 2Y11.32%
EPS Next 3Y10.99%

More info and screens

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 4.02%, BOY is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.56, BOY has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, BOY pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.02%

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 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 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

More info and screens

Find the best dividend stocksShow peers with best dividend

BOY.DE Fundamentals: All Metrics, Ratios and Statistics

BANCO BILBAO VIZCAYA ARGENTA

FRA:BOY (3/9/2026, 7:00:00 PM)

18.295

-0.15 (-0.84%)

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 Cap103.69B
Revenue(TTM)72.18B
Net Income(TTM)17.79B
Analysts75.33
Price Target21.98 (20.14%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.02%
Yearly Dividend0.74
Dividend Growth(5Y)35.74%
DP23.58%
Div Incr Years3
Div Non Decr Years3
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)2.88%
PT rev (3m)12.79%
EPS NQ rev (1m)-2.92%
EPS NQ rev (3m)0.56%
EPS NY rev (1m)0.55%
EPS NY rev (3m)1.58%
Revenue NQ rev (1m)3.55%
Revenue NQ rev (3m)4.27%
Revenue NY rev (1m)3.67%
Revenue NY rev (3m)4.23%
Valuation
Industry RankSector Rank
PE 10.05
Fwd PE 9.03
P/S 1.44
P/FCF 7.88
P/OCF 6.93
P/B 1.81
P/tB 1.9
EV/EBITDA N/A
EPS(TTM)1.82
EY9.95%
EPS(NY)2.03
Fwd EY11.07%
FCF(TTM)2.32
FCFY12.69%
OCF(TTM)2.64
OCFY14.44%
SpS12.74
BVpS10.12
TBVpS9.62
PEG (NY)0.89
PEG (5Y)0.12
Graham Number20.36
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
WACC5.84%
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 Year8.45%
Revenue Next 2Y6.69%
Revenue Next 3Y6.42%
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 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 6 / 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.


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

The Price/Earnings (PE) ratio for BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) is 10.05 and the Price/Book (PB) ratio is 1.81.


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%.