(BBVA) Banco Bilbao Vizcaya - Overview

Sector: Financial Services | Industry: Banks - Diversified | Exchange: MC (Spain) | Market Cap: 111.018m EUR | Total Return: 79.4% in 12m

Banking, Insurance, Investments, Management
Total Rating 57
Safety 68
Buy Signal 0.72
Banks - Diversified
Industry Rotation: +10.4
Market Cap: 130B
Avg Turnover: 224M EUR
ATR: 3.20%
Peers RS (IBD): 67.6
Risk 5d forecast
Volatility29.4%
Rel. Tail Risk-1.67%
Reward TTM
Sharpe Ratio1.92
Alpha60.00
Character TTM
Beta0.381
Beta Downside0.602
Drawdowns 3y
Max DD21.53%
CAGR/Max DD2.52
EPS (Earnings per Share) EPS (Earnings per Share) of BBVA over the last years for every Quarter: "2021-03": 0.14, "2021-06": 0.18, "2021-09": 0.2, "2021-12": 0.19, "2022-03": 0.24, "2022-06": 0.28, "2022-09": 0.29, "2022-12": 0.25, "2023-03": 0.29, "2023-06": 0.33, "2023-09": 0.33, "2023-12": 0.33, "2024-03": 0.36, "2024-06": 0.47, "2024-09": 0.44, "2024-12": 0.4, "2025-03": 0.45, "2025-06": 0.46, "2025-09": 0.42, "2025-12": 0.42,
EPS CAGR: 16.09%
EPS Trend: 90.5%
Last SUE: -0.52
Qual. Beats: 0
Revenue Revenue of BBVA over the last years for every Quarter: 2021-03: 5477, 2021-06: 5793, 2021-09: 5722, 2021-12: 5476, 2022-03: 6148, 2022-06: 7004, 2022-09: 7642, 2022-12: 6488, 2023-03: 6958, 2023-06: 8019, 2023-09: 7957, 2023-12: 5018, 2024-03: 8219, 2024-06: 19361, 2024-09: 8717, 2024-12: 9320, 2025-03: 9324, 2025-06: 8710, 2025-09: 9778, 2025-12: 9795,
Rev. CAGR: 13.22%
Rev. Trend: 52.8%
Last SUE: 0.02
Qual. Beats: 0

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: BBVA Banco Bilbao Vizcaya

BBVA is a Spanish multinational financial services company. It operates across retail, wholesale, investment, and transaction banking. Diversified banks, like BBVA, offer a broad range of financial products and services to varied client segments.

The company also engages in insurance, asset management, capital markets, and digital banking. Digital banking is a growing segment within the financial sector, focusing on online and mobile platforms for banking services.

BBVA has a global presence, with operations in Spain, Mexico, Turkey, South America, Europe, the United States, and Asia. Consider researching BBVAs financial performance and market position further on ValueRay.

Headlines to Watch Out For
  • Mexican economic growth boosts loan demand and net interest income
  • Turkish lira volatility impacts earnings and capital ratios
  • European Central Bank interest rate policy affects profitability
  • Regulatory fines and compliance costs erode banks net income
  • South American political instability creates economic uncertainty
Piotroski VR‑10 (Strict) 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: -1.28k% < 20% (prev -854.9%; Δ -422.3% < -1%)
CFO/TA 0.13 > 3% & CFO 115.23b > Net Income 10.51b
Net Debt (-70.92b) to EBITDA (17.75b): -4.00 < 3
Current Ratio: 0.24 > 1.5 & < 3
Outstanding Shares: last quarter (6.03b) vs 12m ago -0.85% < -2%
Gross Margin: 83.85% > 18% (prev 0.67%; Δ 8.32k% > 0.5%)
Asset Turnover: 4.61% > 50% (prev 5.91%; Δ -1.30% > 0%)
Interest Coverage Ratio: 0.99 > 6 (EBITDA TTM 17.75b / Interest Expense TTM 16.45b)
Altman Z'' -3.17
A: -0.56 (Total Current Assets 152.76b - Total Current Liabilities 633.09b) / Total Assets 859.58b
B: 0.07 (Retained Earnings 56.86b / Total Assets 859.58b)
C: 0.02 (EBIT TTM 16.23b / Avg Total Assets 815.99b)
D: 0.14 (Book Value of Equity 114.21b / Total Liabilities 797.78b)
Altman-Z'' Score: -3.17 = D
What is the price of BBVA shares? As of April 15, 2026, the stock is trading at EUR 20.07 with a total of 11,019,392 shares traded.
Over the past week, the price has changed by +9.73%, over one month by +13.81%, over three months by -1.95% and over the past year by +79.40%.
Is BBVA a buy, sell or hold? Banco Bilbao Vizcaya has no consensus analysts rating.
What are the forecasts/targets for the BBVA price?
Analysts Target Price - -
Banco Bilbao Vizcaya (BBVA) - Fundamental Data Overview as of 12 April 2026
Market Cap USD = 130.17b (111.02b EUR * 1.1725 EUR.USD)
P/E Trailing = 11.196
P/E Forward = 10.395
P/S = 3.5079
P/B = 1.9356
P/EG = 1.962
Revenue TTM = 37.61b 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 = -70.92b EUR (recalculated: Debt 81.84b - CCE 152.76b)
Enterprise Value = 40.10b EUR (111.02b + Debt 81.84b - CCE 152.76b)
Interest Coverage Ratio = 0.99 (Ebit TTM 16.23b / Interest Expense TTM 16.45b)
EV/FCF = 0.35x (Enterprise Value 40.10b / FCF TTM 113.99b)
 FCF Yield = 284.2% (FCF TTM 113.99b / Enterprise Value 40.10b)
 FCF Margin = 303.1% (FCF TTM 113.99b / Revenue TTM 37.61b)
 Net Margin = 27.95% (Net Income TTM 10.51b / Revenue TTM 37.61b)
Gross Margin = 83.85% ((Revenue TTM 37.61b - Cost of Revenue TTM 6.07b) / Revenue TTM)
Gross Margin QoQ = 82.18% (prev 83.98%)
Tobins Q-Ratio = 0.05 (Enterprise Value 40.10b / 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 = -4.00 (Net Debt -70.92b / EBITDA 17.75b)
Debt / FCF = -0.62 (Net Debt -70.92b / 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 = 7.07% (E(111.02b)/V(192.86b) * Re(7.32%) + D(81.84b)/V(192.86b) * Rd(9.93%) * (1-Tc(0.32)))
Discount Rate = 7.32% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.92%
Shares Correlation 3-Years: 33.33 | Cagr: 1.64%
[DCF] Terminal Value 75.19% ; FCFF base≈70.37b ; Y1≈46.20b ; Y5≈21.13b
[DCF] Fair Price = 102.4 (EV 505.78b - Net Debt -70.92b = Equity 576.70b / Shares 5.63b; r=7.07% [WACC]; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 90.49 | EPS CAGR: 16.09% | SUE: -0.52 | # QB: 0
Revenue Correlation: 52.84 | Revenue CAGR: 13.22% | SUE: 0.02 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.53 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=-1 | Analysts=2
EPS current Year (2026-12-31): EPS=2.00 | Chg7d=+0.005 | Chg30d=+0.002 | Revisions Net=-2 | Growth EPS=+13.7% | Growth Revenue=+8.6%
EPS next Year (2027-12-31): EPS=2.22 | Chg7d=+0.022 | Chg30d=+0.018 | Revisions Net=-2 | Growth EPS=+11.0% | Growth Revenue=+4.7%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -1.0% (Discount Rate 7.9% - Earnings Yield 8.9%)
[Growth] Growth Spread = +18.7% (Analyst 17.7% - Implied -1.0%)