BBVA Stock Analysis: Banco Bilbao Vizcaya | MC
Banks - Diversified | MC, Spain | Market Cap: 136.413m EUR | 12M Return: 65.6% | ES0113211835 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 151M
EPS Trend: 93.3%
Qual. Beats: 2
Rev. Trend: 55.6%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Banco Bilbao Vizcaya Argentaria (BBVA) is a Spain-headquartered, large-cap diversified bank that has operated since 1857 and is listed in Madrid under the ticker BBVA. It provides retail, wholesale, investment, and transaction banking services, alongside insurance, asset management, capital markets, and digital banking operations, with a geographically diversified footprint spanning Spain, Mexico, Turkey, South America, Europe, the United States, and Asia.
As a global diversified bank, BBVA operates multiple business lines and generates revenue across retail banking (including deposits, mortgages, and consumer credit), corporate and investment banking, insurance, and asset management. Its heavy weighting toward emerging markets-particularly Mexico and Turkey-distinguishes it from many European peers that focus primarily on domestic retail and commercial banking.
- Mexico net interest income accelerates on peso stability and rate carry
- Turkish lira volatility pressures Garanti contribution and inflation accounting
- ECB rate cuts compress Spanish retail banking margins
| Net Income: 11.1b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.14 > 0.02 and ΔFCF/TA 10.52 > 1.0 |
| NWC/Revenue: -909.8% < 20% (prev -1.20k%; Δ 294.9% < -1%) |
| CFO/TA 0.14 > 3% & CFO 134b > Net Income 11.1b |
| Net Debt (-218b) to EBITDA (19.0b): -11.47 < 3 |
| Current Ratio: 0.47 > 1.5 & < 3 |
| Outstanding Shares: last quarter (5.50b) vs 12m ago -4.33% < -2% |
| Gross Margin: 83.29% > 18% (prev 84.29%; Δ -0.99% > 0.5%) |
| Asset Turnover: 4.68% > 50% (prev 4.64%; Δ 0.03% > 0%) |
| Interest Coverage Ratio: 0.54 > 6 (EBIT TTM 17.4b / Interest Expense TTM 32.1b) |
| A: -0.38 (Total Current Assets 325b - Total Current Liabilities 696b) / Total Assets 965b |
| B: 0.06 (Retained Earnings 57.5b / Total Assets 965b) |
| C: 0.02 (EBIT TTM 17.4b / Avg Total Assets 871b) |
| D: 0.07 (Book Value of Equity 59.0b / Total Liabilities 902b) |
| Altman-Z'' = -2.12 = D |
As of September 22, 2026, the stock is trading at EUR 25.15 with a total of 4,794,593 shares traded. Over the past week, the price has changed by +0.28%, over one month by +1.33%, over three months by +15.63% and over the past year by +65.62%.
Current recommended Stop Loss: 24.20 (which is 3.8% or 2 ATR below the current price).
Banco Bilbao Vizcaya has no consensus analysts rating.
P/E Trailing = 13.0794
P/E Forward = 11.8343
P/S = 3.9963
P/B = 2.3308
P/EG = 2.2319
Revenue TTM = 40.8b EUR
EBIT TTM = 17.4b EUR
EBITDA TTM = 19.0b EUR
Long Term Debt = 106b EUR (from longTermDebt, last quarter)
Short Term Debt = 54.4b EUR (from shortTermDebt, last quarter)
Debt = 108b EUR (from shortLongTermDebtTotal, last quarter) + Leases 1.46b
Net Debt = -218b EUR (calculated: Debt 108b - CCE 325b)
Enterprise Value = 136b EUR (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.54 (Ebit TTM 17.4b / Interest Expense TTM 32.1b)
EV/FCF = 1.02x (Enterprise Value 136b / FCF TTM 133b)
FCF Yield = 97.63% (FCF TTM 133b / Enterprise Value 136b)
FCF Margin = 326.8% (FCF TTM 133b / Revenue TTM 40.8b)
Net Margin = 27.28% (Net Income TTM 11.1b / Revenue TTM 40.8b)
Gross Margin = 83.29% ((Revenue TTM 40.8b - Cost of Revenue TTM 6.81b) / Revenue TTM)
Gross Margin QoQ = 84.07% (prev 82.91%)
Tobins Q-Ratio = 0.14 (Enterprise Value 136b / Total Assets 965b)
Interest Expense / Debt = 29.80% (Interest Expense 32.1b / Debt 108b)
Taxrate = 32.14% (5.59b / 17.4b)
NOPAT = 11.8b (EBIT 17.4b * (1 - 32.14%))
Current Ratio = 0.47 (Total Current Assets 325b / Total Current Liabilities 696b)
Debt / Equity = 1.83 (Debt 108b / totalStockholderEquity, last quarter 59.0b)
Debt / EBITDA = -11.47 (Net Debt -218b / EBITDA 19.0b)
Debt / FCF = -1.64 (Net Debt -218b / FCF TTM 133b)
Total Stockholder Equity = 57.6b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.28% (Net Income 11.1b / Total Assets 965b)
RoE = 19.31% (Net Income TTM 11.1b / Total Stockholder Equity 57.6b)
RoCE = 10.62% (EBIT 17.4b / Capital Employed (Equity 57.6b + L.T.Debt 106b))
RoIC = 3.67% (NOPAT 11.8b / Invested Capital 322b)
WACC = 13.02% (E(136b)/V(244b) * Re(7.34%) + D(108b)/V(244b) * Rd(29.80%) * (1-Tc(0.32)))
Discount Rate = 7.34% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -80.06 | Cagr: -2.41%
[DCF] Terminal Value 64.39% ; FCFF base≈90.1b ; Y1≈103b ; Y5≈152b
[DCF] Fair Price = 265.5 (EV 1247b - Net Debt -218b = Equity 1465b / Shares 5.52b; r=13.02% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 93.31 | EPS CAGR: 16.54% | SUE: 0.86 | # QB: 2
Revenue Correlation: 55.63 | Revenue CAGR: 11.07% | SUE: 0.57 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.51 | Chg30d=-0.06% | Revisions=+17% | Analysts=3
EPS current Year (2026-12-31): EPS=2.05 | Chg30d=+0.07% | Revisions=+12% | GrowthEPS=+16.7% | GrowthRev=+15.2%
EPS next Year (2027-12-31): EPS=2.30 | Chg30d=+1.59% | Revisions=+55% | GrowthEPS=+11.9% | GrowthRev=+6.3%
[Analyst] Revisions Ratio: +42% (up=12, down=4)