(BBVA) Banco Bilbao Viscaya - NYSE
Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 128.655m USD | Total Return: 62.5% in 12m
Avg Turnover: 38.1M
EPS Trend: 97.8%
Qual. Beats: 0
Rev. Trend: 82.7%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is a global financial institution headquartered in Spain, providing retail, wholesale, and investment banking services across Europe, Mexico, Turkey, South America, and Asia. Founded in 1857, the group operates a diversified business model that integrates traditional commercial banking with insurance, asset management, and digital financial services.
The company operates within the Diversified Banks sub-industry, where revenue is typically generated through net interest income and fee-based services from capital markets. A significant portion of BBVAs earnings is derived from emerging markets, which often provide higher growth potential compared to the mature banking sectors of Western Europe.
Investors can further examine the companys valuation metrics and regional performance trends on ValueRay. This geographic diversification helps the bank mitigate localized economic downturns by balancing exposure across multiple regulatory environments and currencies.
- Mexican banking operations contribute over half of total group net income
- High interest rates in Spain drive net interest margin expansion
- Volatile Turkish lira and hyperinflation impact Garanti BBVA earnings stability
- Digital transformation lowers cost-to-income ratio across core emerging market segments
- Proposed acquisition of Banco Sabadell creates integration risk and regulatory scrutiny
| Net Income: 10.8b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 3.94 > 1.0 |
| NWC/Revenue: -786.1% < 20% (prev -817.2%; Δ 31.14% < -1%) |
| CFO/TA 0.02 > 3% & CFO 15.0b > 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 -1.91% < -2% |
| Gross Margin: 68.91% > 18% (prev 49.10%; Δ 19.81% > 0.5%) |
| Asset Turnover: 5.65% > 50% (prev 5.93%; Δ -0.28% > 0%) |
| Interest Coverage Ratio: 1.01 > 6 (EBIT TTM 16.6b / Interest Expense TTM 16.4b) |
| 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 June 17, 2026, the stock is trading at USD 24.39 with a total of 1,501,540 shares traded.
Over the past week, the price has changed by +6.19%,
over one month by +9.14%,
over three months by +16.82% and
over the past year by +62.46%.
Banco Bilbao Viscaya has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy BBVA.
- StrongBuy: 1
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 22.9 | -6.3% |
Market Cap EUR = 111b (129b USD * 0.8623 USD.EUR)
P/E Trailing = 11.0238
P/E Forward = 10.627
P/S = 3.9451
P/B = 1.9844
P/EG = 2.0058
Revenue TTM = 47.1b EUR
EBIT TTM = 16.6b EUR
EBITDA TTM = 18.2b EUR
Long Term Debt = 87.6b EUR (from longTermDebt, last quarter)
Short Term Debt = 110b EUR (from shortTermDebt, last fiscal year)
Debt = 89.0b EUR (from shortLongTermDebtTotal, last quarter) + Leases 1.46b
Net Debt = -197b EUR (calculated: Debt 89.0b - CCE 286b)
Enterprise Value = 111b EUR (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.01 (Ebit TTM 16.6b / Interest Expense TTM 16.4b)
EV/FCF = 8.43x (Enterprise Value 111b / FCF TTM 13.2b)
FCF Yield = 11.86% (FCF TTM 13.2b / Enterprise Value 111b)
FCF Margin = 27.97% (FCF TTM 13.2b / Revenue TTM 47.1b)
Net Margin = 22.95% (Net Income TTM 10.8b / Revenue TTM 47.1b)
Gross Margin = 68.91% ((Revenue TTM 47.1b - Cost of Revenue TTM 14.6b) / Revenue TTM)
Gross Margin QoQ = 82.91% (prev 82.18%)
Tobins Q-Ratio = 0.12 (Enterprise Value 111b / Total Assets 894b)
Interest Expense / Debt = 18.47% (Interest Expense 16.4b / Debt 89.0b)
Taxrate = 31.14% (5.17b / 16.6b)
NOPAT = 11.4b (EBIT 16.6b * (1 - 31.14%))
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 = -14.99 (Net Debt -197b / FCF TTM 13.2b)
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 = 3.30% (NOPAT 11.4b / Invested Capital 346b)
WACC = 10.25% (E(111b)/V(200b) * Re(8.27%) + D(89.0b)/V(200b) * Rd(18.47%) * (1-Tc(0.31)))
Discount Rate = 8.27% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 0.0 | Cagr: -1.34%
[DCF] Terminal Value 69.07% ; FCFF base≈13.2b ; Y1≈13.2b ; Y5≈14.0b
[DCF] Fair Price = 65.11 (EV 165b - Net Debt -197b = Equity 362b / Shares 5.56b; r=10.25% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 97.79 | EPS CAGR: 22.04% | SUE: 0.73 | # QB: 0
Revenue Correlation: 82.68 | Revenue CAGR: 12.40% | SUE: 0.10 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.63 | Chg30d=N/A | Revisions=N/A | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.60 | Chg30d=N/A | Revisions=N/A | Analysts=1
EPS current Year (2026-12-31): EPS=2.23 | Chg30d=+4.29% | Revisions=+0% | GrowthEPS=+7.6% | GrowthRev=+12.1%
EPS next Year (2027-12-31): EPS=2.40 | Chg30d=+7.26% | Revisions=+0% | GrowthEPS=+7.6% | GrowthRev=+3.7%
[Analyst] Revisions Ratio: +0%