(BBVA) Banco Bilbao Vizcaya - Overview
Sector: Financial Services | Industry: Banks - Diversified | Exchange: MC (Spain) | Market Cap: 112.042m EUR | Total Return: 58.1% in 12m
Avg Turnover: 165M
EPS Trend: 94.6%
Qual. Beats: 1
Rev. Trend: 62.6%
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is a multinational financial services institution headquartered in Spain, operating a diversified business model across retail, wholesale, and investment banking. The firm maintains a significant geographic footprint in emerging markets, particularly Mexico and Turkey, alongside its established operations in Europe and South America. In addition to core lending and deposit services, the company manages asset management, insurance, and capital markets divisions.
The banking sector currently faces a transition toward digital-first service models, a shift BBVA has addressed through aggressive investment in its proprietary digital banking platforms. As a diversified bank, BBVA generates revenue through net interest income and fee-based services, making its profitability sensitive to interest rate fluctuations and credit quality cycles in its primary operating regions. You can explore further valuation metrics and peer comparisons for this stock on ValueRay.
- Mexican retail banking growth drives overall group profitability and revenue
- Turkish lira volatility and inflation impact Garanti BBVA net earnings
- European Central Bank interest rate shifts determine net interest margins
- Hostile takeover bid for Sabadell creates integration risk and capital uncertainty
- Digital banking adoption reduces operating costs and improves efficiency ratios
| Net Income: 10.8b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.13 > 0.02 and ΔFCF/TA 12.53 > 1.0 |
| NWC/Revenue: -950.0% < 20% (prev -966.6%; Δ 16.52% < -1%) |
| CFO/TA 0.13 > 3% & CFO 118b > Net Income 10.8b |
| Net Debt (-197b) to EBITDA (18.2b): -10.87 < 3 |
| Current Ratio: 0.44 > 1.5 & < 3 |
| Outstanding Shares: last quarter (5.66b) vs 12m ago -6.10% < -2% |
| Gross Margin: 83.28% > 18% (prev 0.68%; Δ 8.26k% > 0.5%) |
| Asset Turnover: 4.67% > 50% (prev 6.05%; Δ -1.37% > 0%) |
| Interest Coverage Ratio: 2.04 > 6 (EBITDA TTM 18.2b / Interest Expense TTM 8.12b) |
| A: -0.41 (Total Current Assets 286b - Total Current Liabilities 656b) / Total Assets 894b |
| B: 0.06 (Retained Earnings 56.9b / Total Assets 894b) |
| C: 0.02 (EBIT TTM 16.6b / Avg Total Assets 834b) |
| D: 0.07 (Book Value of Equity 56.3b / Total Liabilities 833b) |
| Altman-Z'' = -2.30 = D |
As of May 30, 2026, the stock is trading at EUR 20.11 with a total of 13,587,091 shares traded.
Over the past week, the price has changed by +4.22%,
over one month by +8.85%,
over three months by +4.51% and
over the past year by +58.12%.
Banco Bilbao Vizcaya has no consensus analysts rating.
P/E Trailing = 11.0385
P/E Forward = 10.2041
P/S = 3.2998
P/B = 1.9124
P/EG = 1.9262
Revenue TTM = 38.9b EUR
EBIT TTM = 16.6b EUR
EBITDA TTM = 18.2b EUR
Long Term Debt = 87.6b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 89.0b EUR (from shortLongTermDebtTotal, last quarter) + Leases 1.46b
Net Debt = -197b EUR (calculated: Debt 89.0b - CCE 286b)
Enterprise Value = 112b EUR (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 2.04 (Ebit TTM 16.6b / Interest Expense TTM 8.12b)
EV/FCF = 0.96x (Enterprise Value 112b / FCF TTM 117b)
FCF Yield = 104.7% (FCF TTM 117b / Enterprise Value 112b)
FCF Margin = 301.3% (FCF TTM 117b / Revenue TTM 38.9b)
Net Margin = 27.74% (Net Income TTM 10.8b / Revenue TTM 38.9b)
Gross Margin = 83.28% ((Revenue TTM 38.9b - Cost of Revenue TTM 6.51b) / Revenue TTM)
Gross Margin QoQ = 82.91% (prev 82.18%)
Tobins Q-Ratio = 0.13 (Enterprise Value 112b / Total Assets 894b)
Interest Expense / Debt = 9.12% (Interest Expense 8.12b / Debt 89.0b)
Taxrate = 32.49% (1.53b / 4.72b)
NOPAT = 11.2b (EBIT 16.6b * (1 - 32.49%))
Current Ratio = 0.44 (Total Current Assets 286b / Total Current Liabilities 656b)
Debt / Equity = 1.58 (Debt 89.0b / totalStockholderEquity, last quarter 56.3b)
Debt / EBITDA = -10.87 (Net Debt -197b / EBITDA 18.2b)
Debt / FCF = -1.68 (Net Debt -197b / FCF TTM 117b)
Total Stockholder Equity = 57.0b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.30% (Net Income 10.8b / Total Assets 894b)
RoE = 18.94% (Net Income TTM 10.8b / Total Stockholder Equity 57.0b)
RoCE = 11.48% (EBIT 16.6b / Capital Employed (Equity 57.0b + L.T.Debt 87.6b))
RoIC = 4.71% (NOPAT 11.2b / Invested Capital 238b)
WACC = 6.76% (E(112b)/V(201b) * Re(7.23%) + D(89.0b)/V(201b) * Rd(9.12%) * (1-Tc(0.32)))
Discount Rate = 7.23% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -13.48 | Cagr: -1.37%
[DCF] Terminal Value 77.97% ; FCFF base≈72.2b ; Y1≈82.8b ; Y5≈122b
[DCF] Fair Price = 364.1 (EV 1833b - Net Debt -197b = Equity 2031b / Shares 5.58b; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 94.61 | EPS CAGR: 18.67% | SUE: 1.77 | # QB: 1
Revenue Correlation: 62.58 | Revenue CAGR: 13.37% | SUE: 1.87 | # QB: 1
EPS current Quarter (2026-06-30): EPS=0.50 | Chg30d=-5.72% | Revisions=+0% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.49 | Chg30d=-2.24% | Revisions=-33% | Analysts=3
EPS current Year (2026-12-31): EPS=2.00 | Chg30d=+0.07% | Revisions=+25% | GrowthEPS=+13.4% | GrowthRev=+12.1%
EPS next Year (2027-12-31): EPS=2.21 | Chg30d=-0.14% | Revisions=+20% | GrowthEPS=+10.7% | GrowthRev=+2.9%
[Analyst] Revisions Ratio: -33%