BOY Fundamental Analysis - BANCO BILBAO VIZCAYA ARGENTA

Fundamental Rating

BOY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 96 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

BOY had positive earnings in the past year.

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

The Return On Assets of BOY (1.30%) is better than 85.57% of its industry peers.

BOY's Return On Equity of 17.79% is amongst the best of the industry. BOY outperforms 88.66% 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 (21.66%) which is comparable to the rest of the industry.

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.

BOY has less shares outstanding than it did 1 year ago.

BOY has less shares outstanding than it did 5 years ago.

BOY has a better debt/assets ratio than last year.

2.2 Solvency

BOY has a debt to FCF ratio of 114.57. This is a negative value and a sign of low solvency as BOY would need 114.57 years to pay back of all of its debts.

BOY's Debt to FCF ratio of 114.57 is fine compared to the rest of the industry. BOY outperforms 68.04% of its industry peers.

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 comparable to the rest of the industry.

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

ROIC/WACCN/A

WACC5.6%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BOY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.00%, which is quite good.

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

The Revenue has been growing slightly by 6.30% in the past year.

The Revenue has been growing by 11.07% on average over the past years. This is quite good.

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

Based on estimates for the next years, BOY will show a small growth in Earnings Per Share. The EPS will grow by 3.28% on average per year.

Based on estimates for the next years, BOY will show a small growth in Revenue. The Revenue will grow by 1.59% on average per year.

EPS Next Y4.51%

EPS Next 2Y4.21%

EPS Next 3Y5.91%

EPS Next 5Y3.28%

Revenue Next Year3.82%

Revenue Next 2Y3.32%

Revenue Next 3Y3.43%

Revenue Next 5Y1.59%

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.

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

A Price/Earnings ratio of 9.27 indicates a reasonable valuation of BOY.

BOY's Price/Earnings ratio is a bit cheaper when compared to the industry. BOY is cheaper than 64.95% of the companies in the same industry.

When comparing the Price/Earnings ratio of BOY to the average of the S&P500 Index (27.38), we can say BOY is valued rather cheaply.

BOY is valuated reasonably with a Price/Forward Earnings ratio of 8.89.

BOY's Price/Forward Earnings ratio is rather cheap when compared to the industry. BOY is cheaper than 81.44% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of BOY to the average of the S&P500 Index (22.86), we can say BOY is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.27
Fwd PE	8.89

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BOY is valued a bit cheaper than 67.01% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	105.78
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)2.06

PEG (5Y)0.45

EPS Next 2Y4.21%

EPS Next 3Y5.91%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.89%, BOY has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 4.96, BOY is paying slightly less dividend.

BOY's Dividend Yield is a higher than the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	2.89%

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

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 (9/19/2025, 7:00:00 PM)

16.41

+0.2 (+1.2%)

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 Cap94.47B

Analysts76.67

Price Target16.44 (0.18%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.89%

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)7.89%

PT rev (3m)20.73%

EPS NQ rev (1m)0.78%

EPS NQ rev (3m)9.65%

EPS NY rev (1m)0%

EPS NY rev (3m)6.21%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)2.72%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.37%

Valuation

		Industry Rank	Sector Rank
PE	9.27
Fwd PE	8.89
P/S	2.02
P/FCF	105.78
P/OCF	34.97
P/B	1.66
P/tB	1.74
EV/EBITDA	N/A

EPS(TTM)1.77

EY10.79%

EPS(NY)1.85

Fwd EY11.25%

FCF(TTM)0.16

FCFY0.95%

OCF(TTM)0.47

OCFY2.86%

SpS8.1

BVpS9.87

TBVpS9.43

PEG (NY)2.06

PEG (5Y)0.45

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

WACC5.6%

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 5Y3.28%

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 3Y3.43%

Revenue Next 5Y1.59%

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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