BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:BOY - ES0113211835 - Common Stock
20.63 EUR
+0.26 (+1.28%)
Overall BOY gets a fundamental rating of 4 out of 10. We evaluated BOY against 114 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 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year BOY was profitable.
BOY had a positive operating cash flow in the past year.
Each year in the past 5 years BOY has 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
Looking at the Return On Assets, with a value of 1.23%, BOY belongs to the top of the industry, outperforming 80.70% of the companies in the same industry.
The Return On Equity of BOY (17.37%) is better than 85.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.23% | ||
| 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 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.
BOY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 21.13% | ||
| 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
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.
BOY has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, BOY has an improved debt to assets ratio.
2.2 Solvency
BOY has a debt to FCF ratio of 39.58. This is a negative value and a sign of low solvency as BOY would need 39.58 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 39.58, BOY is doing good in the industry, outperforming 63.16% of the companies in the same industry.
A Debt/Equity ratio of 1.73 is on the high side and indicates that BOY has dependencies on debt financing.
The Debt to Equity ratio of BOY (1.73) is better than 60.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.73 | ||
| Debt/FCF | 39.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.87%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BOY shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.41%.
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 small growth in Revenue. The Revenue has grown by 7.42% in the last year.
The Revenue has been growing by 11.07% on average over the past years. This is quite good.
EPS 1Y (TTM)7.41%
EPS 3Y33.16%
EPS 5Y20.83%
EPS Q2Q%-6.67%
Revenue 1Y (TTM)7.42%
Revenue growth 3Y19.7%
Revenue growth 5Y11.07%
Sales Q2Q%-23.82%
3.2 Future
BOY is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.40% yearly.
Based on estimates for the next years, BOY will show a small growth in Revenue. The Revenue will grow by 3.23% on average per year.
EPS Next Y7.28%
EPS Next 2Y8.63%
EPS Next 3Y9.2%
EPS Next 5Y5.4%
Revenue Next Year4.87%
Revenue Next 2Y4.93%
Revenue Next 3Y4.52%
Revenue Next 5Y3.23%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.86, the valuation of BOY can be described as reasonable.
The rest of the industry has a similar Price/Earnings ratio as BOY.
BOY is valuated cheaply when we compare the Price/Earnings ratio to 26.87, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 10.28, 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 77.19% of the companies listed in the same industry.
BOY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.86 | ||
| Fwd PE | 10.28 |
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 61.40% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 47.06 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.63
PEG (5Y)0.57
EPS Next 2Y8.63%
EPS Next 3Y9.2%
5. Dividend
5.1 Amount
BOY has a Yearly Dividend Yield of 2.95%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.98, BOY is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 1.94, BOY pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.95% |
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
40.21% of the earnings are spent on dividend by BOY. 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 2Y8.63%
EPS Next 3Y9.2%
FRA:BOY (1/5/2026, 7:00:00 PM)
20.63
+0.26 (+1.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners41.45%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap118.31B
Revenue(TTM)47.38B
Net Income(TTM)10.01B
Analysts77.04
Price Target19.49 (-5.53%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.95% |
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)5.22%
Revenue beat(16)13
Avg Revenue beat(16)13.19%
PT rev (1m)2.37%
PT rev (3m)14.32%
EPS NQ rev (1m)2.71%
EPS NQ rev (3m)-23.39%
EPS NY rev (1m)0.01%
EPS NY rev (3m)1.41%
Revenue NQ rev (1m)0.18%
Revenue NQ rev (3m)3.28%
Revenue NY rev (1m)0.29%
Revenue NY rev (3m)0.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.86 | ||
| Fwd PE | 10.28 | ||
| P/S | 2.5 | ||
| P/FCF | 47.06 | ||
| P/OCF | 27.76 | ||
| P/B | 2.05 | ||
| P/tB | 2.15 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.74
EY8.43%
EPS(NY)2.01
Fwd EY9.72%
FCF(TTM)0.44
FCFY2.12%
OCF(TTM)0.74
OCFY3.6%
SpS8.26
BVpS10.05
TBVpS9.59
PEG (NY)1.63
PEG (5Y)0.57
Graham Number19.84
Profitability
| Industry Rank | Sector 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)1.03%
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
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 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 | 1.73 | ||
| 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
WACC5.87%
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)7.41%
EPS 3Y33.16%
EPS 5Y20.83%
EPS Q2Q%-6.67%
EPS Next Y7.28%
EPS Next 2Y8.63%
EPS Next 3Y9.2%
EPS Next 5Y5.4%
Revenue 1Y (TTM)7.42%
Revenue growth 3Y19.7%
Revenue growth 5Y11.07%
Sales Q2Q%-23.82%
Revenue Next Year4.87%
Revenue Next 2Y4.93%
Revenue Next 3Y4.52%
Revenue Next 5Y3.23%
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 1Y113.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y125.42%
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 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 11.86 and the Price/Book (PB) ratio is 2.05.
Is the dividend of BANCO BILBAO VIZCAYA ARGENTA sustainable?
The dividend rating of BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) is 4 / 10 and the dividend payout ratio is 40.21%.