(BBVA) Banco Bilbao Vizcaya - Overview
Exchange: MC •
Country: Spain •
Currency: EUR •
Type: Common Stock •
ISIN: ES0113211835
Stock:
Total Rating 55
Risk 79
Buy Signal -0.31
| Risk 5d forecast | |
|---|---|
| Volatility | 27.5% |
| Relative Tail Risk | -1.06% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.58 |
| Alpha | 48.89 |
| Character TTM | |
|---|---|
| Beta | 0.651 |
| Beta Downside | 0.950 |
| Drawdowns 3y | |
|---|---|
| Max DD | 21.53% |
| CAGR/Max DD | 2.65 |
EPS (Earnings per Share)
Revenue
Description: BBVA Banco Bilbao Vizcaya
Banco Bilbao Vizcaya Argentaria, S.A. provides retail banking, wholesale banking, and asset management services primarily in Spain, Mexico, Turkey, South America, rest of Europe, the United States, and Asia. The company offers savings accounts, demand deposits, and time deposits; and residential mortgage, other household, credit card, and enterprises and public sector loans, as well as consumer finance. It provides insurance and asset management business, including corporate, commercial, SME, payment systems, retail, private and investment banking, pension and life insurance, leasing, factoring, and brokerage. The company provides its products through online and mobile channels. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.
Piotroski VR‑10 (Strict, 0-10) 6.5
| Net Income: 10.51b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.13 > 0.02 and ΔFCF/TA 12.62 > 1.0 |
| NWC/Revenue: -878.3% < 20% (prev -854.9%; Δ -23.33% < -1%) |
| CFO/TA 0.13 > 3% & CFO 115.23b > Net Income 10.51b |
| Net Debt (-12.11b) to EBITDA (17.75b): -0.68 < 3 |
| Current Ratio: 0.24 > 1.5 & < 3 |
| Outstanding Shares: last quarter (6.03b) vs 12m ago -0.85% < -2% |
| Gross Margin: 58.88% > 18% (prev 0.67%; Δ 5821 % > 0.5%) |
| Asset Turnover: 6.70% > 50% (prev 5.91%; Δ 0.80% > 0%) |
| Interest Coverage Ratio: 0.99 > 6 (EBITDA TTM 17.75b / Interest Expense TTM 16.45b) |
Altman Z'' -3.26
| A: -0.56 (Total Current Assets 152.76b - Total Current Liabilities 633.09b) / Total Assets 859.58b |
| B: 0.06 (Retained Earnings 52.56b / Total Assets 859.58b) |
| C: 0.02 (EBIT TTM 16.23b / Avg Total Assets 815.99b) |
| D: 0.07 (Book Value of Equity 57.36b / Total Liabilities 797.78b) |
| Altman-Z'' Score: -3.26 = D |
Beneish M
| DSRI: none (Receivables none/47.98b, Revenue 54.69b/45.62b) |
| GMI: 1.14 (GM 58.88% / 67.30%) |
| AQI: 1.05 (AQ_t 0.81 / AQ_t-1 0.77) |
| SGI: 1.20 (Revenue 54.69b / 45.62b) |
| TATA: -0.12 (NI 10.51b - CFO 115.23b) / TA 859.58b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of BBVA shares?
As of February 25, 2026, the stock is trading at EUR 19.78 with a total of 11,328,109 shares traded.
Over the past week, the price has changed by +1.23%, over one month by -7.27%, over three months by +10.01% and over the past year by +66.97%.
Over the past week, the price has changed by +1.23%, over one month by -7.27%, over three months by +10.01% and over the past year by +66.97%.
Is BBVA a buy, sell or hold?
Banco Bilbao Vizcaya has no consensus analysts rating.
What are the forecasts/targets for the BBVA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 20.9 | 5.7% |
| Analysts Target Price | - | - |
BBVA Fundamental Data Overview February 21, 2026
Market Cap USD = 132.80b (112.70b EUR * 1.1784 EUR.USD)
P/E Trailing = 11.2557
P/E Forward = 10.2987
P/S = 3.561
P/B = 1.9253
P/EG = 2.6463
Revenue TTM = 54.69b EUR
EBIT TTM = 16.23b EUR
EBITDA TTM = 17.75b EUR
Long Term Debt = 81.84b EUR (from longTermDebt, last quarter)
Short Term Debt = 26.04b EUR (from shortTermDebt, two quarters ago)
Debt = 81.84b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = -12.11b EUR (from netDebt column, last quarter)
Enterprise Value = 41.78b EUR (112.70b + Debt 81.84b - CCE 152.76b)
Interest Coverage Ratio = 0.99 (Ebit TTM 16.23b / Interest Expense TTM 16.45b)
EV/FCF = 0.37x (Enterprise Value 41.78b / FCF TTM 113.99b)
FCF Yield = 272.8% (FCF TTM 113.99b / Enterprise Value 41.78b)
FCF Margin = 208.4% (FCF TTM 113.99b / Revenue TTM 54.69b)
Net Margin = 19.22% (Net Income TTM 10.51b / Revenue TTM 54.69b)
Gross Margin = 58.88% ((Revenue TTM 54.69b - Cost of Revenue TTM 22.49b) / Revenue TTM)
Gross Margin QoQ = 82.18% (prev 45.87%)
Tobins Q-Ratio = 0.05 (Enterprise Value 41.78b / Total Assets 859.58b)
Interest Expense / Debt = 9.93% (Interest Expense 8.12b / Debt 81.84b)
Taxrate = 32.26% (1.27b / 3.93b)
NOPAT = 10.99b (EBIT 16.23b * (1 - 32.26%))
Current Ratio = 0.24 (Total Current Assets 152.76b / Total Current Liabilities 633.09b)
Debt / Equity = 1.43 (Debt 81.84b / totalStockholderEquity, last quarter 57.36b)
Debt / EBITDA = -0.68 (Net Debt -12.11b / EBITDA 17.75b)
Debt / FCF = -0.11 (Net Debt -12.11b / FCF TTM 113.99b)
Total Stockholder Equity = 56.73b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.29% (Net Income 10.51b / Total Assets 859.58b)
RoE = 18.53% (Net Income TTM 10.51b / Total Stockholder Equity 56.73b)
RoCE = 11.71% (EBIT 16.23b / Capital Employed (Equity 56.73b + L.T.Debt 81.84b))
RoIC = 8.15% (NOPAT 10.99b / Invested Capital 134.94b)
WACC = 7.64% (E(112.70b)/V(194.54b) * Re(8.31%) + D(81.84b)/V(194.54b) * Rd(9.93%) * (1-Tc(0.32)))
Discount Rate = 8.31% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.64%
[DCF] Terminal Value 71.89% ; FCFF base≈70.37b ; Y1≈46.19b ; Y5≈21.08b
[DCF] Fair Price = 79.50 (EV 440.15b - Net Debt -12.11b = Equity 452.25b / Shares 5.69b; r=7.64% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 90.49 | EPS CAGR: 16.09% | SUE: -0.52 | # QB: 0
Revenue Correlation: 63.25 | Revenue CAGR: 13.22% | SUE: 0.01 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.48 | Chg7d=+0.480 | Chg30d=+0.480 | Revisions Net=+0 | Analysts=1
EPS current Year (2026-12-31): EPS=2.00 | Chg7d=-0.002 | Chg30d=+0.061 | Revisions Net=+2 | Growth EPS=+13.8% | Growth Revenue=+8.5%
EPS next Year (2027-12-31): EPS=2.21 | Chg7d=-0.003 | Chg30d=+0.032 | Revisions Net=+5 | Growth EPS=+10.2% | Growth Revenue=+4.5%
[Analyst] Revisions Ratio: +0.33 (4 Up / 2 Down within 30d for Current Year)
[Growth] Implied Growth Rate = -0.6% (Discount Rate 8.3% - Earnings Yield 8.9%)
[Growth] Growth Spread = +8.4% (Analyst 7.8% - Implied -0.6%)
P/E Trailing = 11.2557
P/E Forward = 10.2987
P/S = 3.561
P/B = 1.9253
P/EG = 2.6463
Revenue TTM = 54.69b EUR
EBIT TTM = 16.23b EUR
EBITDA TTM = 17.75b EUR
Long Term Debt = 81.84b EUR (from longTermDebt, last quarter)
Short Term Debt = 26.04b EUR (from shortTermDebt, two quarters ago)
Debt = 81.84b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = -12.11b EUR (from netDebt column, last quarter)
Enterprise Value = 41.78b EUR (112.70b + Debt 81.84b - CCE 152.76b)
Interest Coverage Ratio = 0.99 (Ebit TTM 16.23b / Interest Expense TTM 16.45b)
EV/FCF = 0.37x (Enterprise Value 41.78b / FCF TTM 113.99b)
FCF Yield = 272.8% (FCF TTM 113.99b / Enterprise Value 41.78b)
FCF Margin = 208.4% (FCF TTM 113.99b / Revenue TTM 54.69b)
Net Margin = 19.22% (Net Income TTM 10.51b / Revenue TTM 54.69b)
Gross Margin = 58.88% ((Revenue TTM 54.69b - Cost of Revenue TTM 22.49b) / Revenue TTM)
Gross Margin QoQ = 82.18% (prev 45.87%)
Tobins Q-Ratio = 0.05 (Enterprise Value 41.78b / Total Assets 859.58b)
Interest Expense / Debt = 9.93% (Interest Expense 8.12b / Debt 81.84b)
Taxrate = 32.26% (1.27b / 3.93b)
NOPAT = 10.99b (EBIT 16.23b * (1 - 32.26%))
Current Ratio = 0.24 (Total Current Assets 152.76b / Total Current Liabilities 633.09b)
Debt / Equity = 1.43 (Debt 81.84b / totalStockholderEquity, last quarter 57.36b)
Debt / EBITDA = -0.68 (Net Debt -12.11b / EBITDA 17.75b)
Debt / FCF = -0.11 (Net Debt -12.11b / FCF TTM 113.99b)
Total Stockholder Equity = 56.73b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.29% (Net Income 10.51b / Total Assets 859.58b)
RoE = 18.53% (Net Income TTM 10.51b / Total Stockholder Equity 56.73b)
RoCE = 11.71% (EBIT 16.23b / Capital Employed (Equity 56.73b + L.T.Debt 81.84b))
RoIC = 8.15% (NOPAT 10.99b / Invested Capital 134.94b)
WACC = 7.64% (E(112.70b)/V(194.54b) * Re(8.31%) + D(81.84b)/V(194.54b) * Rd(9.93%) * (1-Tc(0.32)))
Discount Rate = 8.31% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.64%
[DCF] Terminal Value 71.89% ; FCFF base≈70.37b ; Y1≈46.19b ; Y5≈21.08b
[DCF] Fair Price = 79.50 (EV 440.15b - Net Debt -12.11b = Equity 452.25b / Shares 5.69b; r=7.64% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 90.49 | EPS CAGR: 16.09% | SUE: -0.52 | # QB: 0
Revenue Correlation: 63.25 | Revenue CAGR: 13.22% | SUE: 0.01 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.48 | Chg7d=+0.480 | Chg30d=+0.480 | Revisions Net=+0 | Analysts=1
EPS current Year (2026-12-31): EPS=2.00 | Chg7d=-0.002 | Chg30d=+0.061 | Revisions Net=+2 | Growth EPS=+13.8% | Growth Revenue=+8.5%
EPS next Year (2027-12-31): EPS=2.21 | Chg7d=-0.003 | Chg30d=+0.032 | Revisions Net=+5 | Growth EPS=+10.2% | Growth Revenue=+4.5%
[Analyst] Revisions Ratio: +0.33 (4 Up / 2 Down within 30d for Current Year)
[Growth] Implied Growth Rate = -0.6% (Discount Rate 8.3% - Earnings Yield 8.9%)
[Growth] Growth Spread = +8.4% (Analyst 7.8% - Implied -0.6%)