BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:BOY - ES0113211835 - Common Stock
20.88 EUR
-0.14 (-0.67%)
BOY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 118 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 has a correct valuation and a medium 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
- BOY has a Return On Assets of 1.23%. This is amongst the best in the industry. BOY outperforms 81.36% of its industry peers.
- The Return On Equity of BOY (17.37%) is better than 85.59% 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 has a worse Profit Margin (21.13%) than 60.17% of its industry peers.
- In the last couple of years the Profit Margin of BOY has grown nicely.
- 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.
- The number of shares outstanding for BOY has been reduced compared to 1 year ago.
- 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.
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.
- BOY has a better Debt to FCF ratio (39.58) than 60.17% of its industry peers.
- BOY has a Debt/Equity ratio of 1.73. This is a high value indicating a heavy dependency on external financing.
- BOY has a Debt to Equity ratio (1.73) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.73 | ||
| Debt/FCF | 39.58 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.88%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 7.41% over the past year.
- Measured over the past years, BOY shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.83% on average per year.
- The Revenue has been growing slightly by 7.42% in the past year.
- Measured over the past years, BOY shows a quite strong growth in Revenue. The Revenue has been growing by 11.07% on average per year.
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
- The Earnings Per Share is expected to grow by 5.09% 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 3.27% yearly.
EPS Next Y7.28%
EPS Next 2Y8.63%
EPS Next 3Y9.2%
EPS Next 5Y5.09%
Revenue Next Year4.87%
Revenue Next 2Y4.93%
Revenue Next 3Y4.52%
Revenue Next 5Y3.27%
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 12.00, the valuation of BOY can be described as correct.
- 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 27.54.
- The Price/Forward Earnings ratio is 10.41, which indicates a very decent valuation of BOY.
- Based on the Price/Forward Earnings ratio, BOY is valued a bit cheaper than 74.58% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.31, BOY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12 | ||
| Fwd PE | 10.41 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of BOY is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 47.63 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- BOY's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.65
PEG (5Y)0.58
EPS Next 2Y8.63%
EPS Next 3Y9.2%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.95%, BOY has a reasonable but not impressive dividend return.
- BOY's Dividend Yield is slightly below the industry average, which is at 4.05.
- Compared to an average S&P500 Dividend Yield of 1.92, BOY pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.95% |
5.2 History
- On average, the dividend of BOY grows each year by 15.86%, which is quite nice.
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 (1/15/2026, 7:00:00 PM)
20.88
-0.14 (-0.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)02-05 2026-02-05/amc
Inst Owners41.45%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap119.74B
Revenue(TTM)47.38B
Net Income(TTM)10.01B
Analysts77.04
Price Target19.49 (-6.66%)
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)0%
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 | 12 | ||
| Fwd PE | 10.41 | ||
| P/S | 2.53 | ||
| P/FCF | 47.63 | ||
| P/OCF | 28.09 | ||
| P/B | 2.08 | ||
| P/tB | 2.18 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.74
EY8.33%
EPS(NY)2.01
Fwd EY9.61%
FCF(TTM)0.44
FCFY2.1%
OCF(TTM)0.74
OCFY3.56%
SpS8.26
BVpS10.05
TBVpS9.59
PEG (NY)1.65
PEG (5Y)0.58
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
WACC5.88%
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 5Y5.09%
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 5Y3.27%
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 4 / 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 12 and the Price/Book (PB) ratio is 2.08.
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%.