Overview Dividends

(BBVA) Banco Bilbao Viscaya - Ratings and Ratios

Exchange: NYSE • Country: Spain • Currency: USD • Type: Common Stock • ISIN: US05946K1016

Loans, Deposits, Insurance, Asset Management, Digital Banking

BBVA EPS (Earnings per Share)

EPS Growth (3Y CAGR): -53.64%
EPS Trend (3Y Correlation): 4.6%

BBVA Revenue

Revenue Growth (3Y CAGR): -8.54%
Revenue Trend (3Y Correlation): 24.0%

Description: BBVA Banco Bilbao Viscaya

Banco Bilbao Vizcaya Argentaria (BBVA) is a diversified banking group headquartered in Bilbao, Spain, operating across retail banking, wholesale banking, and asset management. Its footprint spans Spain, Mexico, Turkey, South America, the rest of Europe, the United States, and Asia, delivering a full suite of products-from savings and deposit accounts to mortgages, credit cards, corporate loans, insurance, leasing, factoring, and brokerage services-largely through online and mobile channels.

As of FY 2023, BBVA reported a net profit of €7.7 billion and a Return on Tangible Equity (ROTE) of 13.2%, comfortably above the European banking average. Its Common Equity Tier 1 (CET1) capital ratio stood at 13.9%, reflecting a solid buffer against credit risk. Digital adoption is a strategic focus: the bank now serves roughly 27 million active digital customers, a 12 % increase year-over-year, and has migrated over 60 % of its loan origination to digital platforms.

Key economic drivers for BBVA include the Eurozone interest-rate cycle, which directly impacts net interest margin, and macro-growth trends in its high-growth markets-particularly Mexico, where GDP expanded ~2.5 % in 2023 and loan growth outpaced the domestic average at ~5 % YoY. Additionally, the bank’s push into ESG-linked financing aligns with a broader sector shift toward sustainable credit, potentially unlocking premium pricing and regulatory incentives.

For a deeper, data-driven view of BBVA’s valuation metrics and scenario analysis, you may find it worthwhile to explore the detailed dashboards on ValueRay.

BBVA Stock Overview

Market Cap in USD	105,131m
Sub-Industry	Diversified Banks
IPO / Inception	1988-12-15

BBVA Stock Ratings

Growth Rating	97.1%
Fundamental	42.2%
Dividend Rating	75.5%
Return 12m vs S&P 500	61.9%
Analyst Rating	4.0 of 5

BBVA Dividends

Dividend Yield 12m	2.54%
Yield on Cost 5y	21.81%
Annual Growth 5y	44.25%
Payout Consistency	84.2%
Payout Ratio	42.9%

BBVA Growth Ratios

Growth Correlation 3m	72.3%
Growth Correlation 12m	96.2%
Growth Correlation 5y	91.4%
CAGR 5y	68.22%
CAGR/Max DD 3y (Calmar Ratio)	3.45
CAGR/Mean DD 3y (Pain Ratio)	13.25
Sharpe Ratio 12m	2.96
Alpha	63.02
Beta	1.457
Volatility	29.22%
Current Volume	1204.7k
Average Volume 20d	1055.9k
Stop Loss	17.4 (-3.5%)
Signal	-0.49

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (10.51b TTM) > 0 and > 6% of Revenue (6% = 2.64b TTM)

FCFTA -0.01 (>2.0%) and ΔFCFTA 1.39pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -989.4% (prev -1021 %; Δ 31.19pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.00 (>3.0%) and CFO 2.70b <= Net Income 10.51b (YES >=105%, WARN >=100%)

Net Debt (-1.29b) to EBITDA (17.57b) ratio: -0.07 <= 3.0 (WARN <= 3.5)

Current Ratio 0.23 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (5.77b) change vs 12m ago 0.29% (target <= -2.0% for YES)

Gross Margin 68.21% (prev 57.08%; Δ 11.13pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 5.72% (prev 4.06%; Δ 1.66pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 1.93 (EBITDA TTM 17.57b / Interest Expense TTM 8.32b) >= 6 (WARN >= 3)

Altman Z'' -3.15

(A) -0.56 = (Total Current Assets 131.27b - Total Current Liabilities 565.81b) / Total Assets 776.97b

(B) 0.07 = Retained Earnings (Balance) 51.98b / Total Assets 776.97b

(D) 0.15 = Book Value of Equity 108.80b / Total Liabilities 716.09b

Total Rating: -3.15 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 42.18

1. Piotroski 3.0pt = -2.0

2. FCF Yield -36.63% = -5.0

3. FCF Margin -26.19% = -7.50

4. Debt/Equity 1.26 = 1.75

5. Debt/Ebitda -0.07 = 2.50

6. ROIC - WACC (= -0.95)% = -1.19

7. RoE 19.06% = 1.59

8. Rev. Trend 23.96% = 1.80

9. EPS Trend 4.64% = 0.23

What is the price of BBVA shares?

As of October 13, 2025, the stock is trading at USD 18.04 with a total of 1,204,704 shares traded.
Over the past week, the price has changed by -4.04%, over one month by -5.40%, over three months by +19.00% and over the past year by +83.18%.

Is Banco Bilbao Viscaya a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, Banco Bilbao Viscaya (NYSE:BBVA) is currently (October 2025) a stock to sell. It has a ValueRay Fundamental Rating of 42.18 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BBVA is around 27.04 USD . This means that BBVA is currently undervalued and has a potential upside of +49.89% (Margin of Safety).

Is BBVA a buy, sell or hold?

Banco Bilbao Viscaya has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy BBVA.

Strong Buy: 1
Buy: 0
Hold: 1
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the BBVA price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	19.3	7.2%
Analysts Target Price	19.3	7.2%
ValueRay Target Price	30.6	69.4%

Last update: 2025-10-13 02:03

BBVA Fundamental Data Overview

Market Cap EUR = 90.86b (105.13b USD * 0.8643 USD.EUR)
P/E Trailing = 8.8
P/E Forward = 8.9127
P/S = 3.3506
P/B = 1.647
P/EG = 2.6203
Beta = 1.457
Revenue TTM = 43.92b EUR
EBIT TTM = 16.05b EUR
EBITDA TTM = 17.57b EUR
Long Term Debt = 71.80b EUR (from longTermDebt, last quarter)
Short Term Debt = 68.67b EUR (from shortTermDebt, last fiscal year)
Debt = 71.80b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.29b EUR (from netDebt column, last quarter)
Enterprise Value = 31.39b EUR (90.86b + Debt 71.80b - CCE 131.27b)
Interest Coverage Ratio = 1.93 (Ebit TTM 16.05b / Interest Expense TTM 8.32b)
FCF Yield = -36.63% (FCF TTM -11.50b / Enterprise Value 31.39b)
FCF Margin = -26.19% (FCF TTM -11.50b / Revenue TTM 43.92b)
Net Margin = 23.92% (Net Income TTM 10.51b / Revenue TTM 43.92b)
Gross Margin = 68.21% ((Revenue TTM 43.92b - Cost of Revenue TTM 13.96b) / Revenue TTM)
Gross Margin QoQ = 84.19% (prev 47.07%)
Tobins Q-Ratio = 0.04 (Enterprise Value 31.39b / Total Assets 776.97b)
Interest Expense / Debt = 11.59% (Interest Expense 8.32b / Debt 71.80b)
Taxrate = 28.46% (1.16b / 4.08b)
NOPAT = 11.48b (EBIT 16.05b * (1 - 28.46%))
Current Ratio = 0.23 (Total Current Assets 131.27b / Total Current Liabilities 565.81b)
Debt / Equity = 1.26 (Debt 71.80b / totalStockholderEquity, last quarter 56.83b)
Debt / EBITDA = -0.07 (Net Debt -1.29b / EBITDA 17.57b)
Debt / FCF = 0.11 (negative FCF - burning cash) (Net Debt -1.29b / FCF TTM -11.50b)
Total Stockholder Equity = 55.11b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.35% (Net Income 10.51b / Total Assets 776.97b)
RoE = 19.06% (Net Income TTM 10.51b / Total Stockholder Equity 55.11b)
RoCE = 12.65% (EBIT 16.05b / Capital Employed (Equity 55.11b + L.T.Debt 71.80b))
RoIC = 9.08% (NOPAT 11.48b / Invested Capital 126.50b)
WACC = 10.03% (E(90.86b)/V(162.67b) * Re(11.40%) + D(71.80b)/V(162.67b) * Rd(11.59%) * (1-Tc(0.28)))
Discount Rate = 11.40% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.55%
Fair Price DCF = unknown (Cash Flow -11.50b)
EPS Correlation: 4.64 | EPS CAGR: -53.64% | SUE: -4.0 | # QB: 0
Revenue Correlation: 23.96 | Revenue CAGR: -8.54% | SUE: -0.02 | # QB: 0

Additional Sources for BBVA Stock

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