(BBVA) Banco Bilbao Viscaya - Overview

Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 124.477m USD | Total Return: 89.1% in 12m

Banking, Insurance, Investments, Management
Total Rating 46
Safety 28
Buy Signal 0.84
Banks - Diversified
Industry Rotation: +17.9
Market Cap: 124B
Avg Turnover: 39.5M USD
ATR: 3.22%
Peers RS (IBD): 75.0
Risk 5d forecast
Volatility35.2%
Rel. Tail Risk0.71%
Reward TTM
Sharpe Ratio2.25
Alpha82.40
Character TTM
Beta0.660
Beta Downside0.904
Drawdowns 3y
Max DD22.14%
CAGR/Max DD2.51
EPS (Earnings per Share) EPS (Earnings per Share) of BBVA over the last years for every Quarter: "2021-03": 0.17, "2021-06": 0.08, "2021-09": 0.23, "2021-12": 0.23, "2022-03": 0.2532, "2022-06": 0.2855, "2022-09": 0.2885, "2022-12": 0.273, "2023-03": 0.3193, "2023-06": 0.36, "2023-09": 0.35, "2023-12": 0.36, "2024-03": 0.39, "2024-06": 0.51, "2024-09": 0.48, "2024-12": 0.42, "2025-03": 0.51, "2025-06": 0.53, "2025-09": 0.49, "2025-12": 0.5,
EPS CAGR: 19.90%
EPS Trend: 94.3%
Last SUE: -0.37
Qual. Beats: 0
Revenue Revenue of BBVA over the last years for every Quarter: 2021-03: 7510, 2021-06: 7767, 2021-09: 7900, 2021-12: 5476, 2022-03: 8174, 2022-06: 9744, 2022-09: 11135, 2022-12: 6488, 2023-03: 6958, 2023-06: 13579, 2023-09: 7957, 2023-12: 7438, 2024-03: 8219, 2024-06: 9226, 2024-09: 17928, 2024-12: 9320, 2025-03: 9324, 2025-06: 8710, 2025-09: 17901, 2025-12: 9795,
Rev. CAGR: 4.94%
Rev. Trend: 35.6%
Last SUE: 0.02
Qual. Beats: 0

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: BBVA Banco Bilbao Viscaya

BBVA is a diversified bank offering retail, wholesale, investment, and transaction banking services. The company also operates in insurance, asset management, and capital markets. Diversified banks typically generate revenue from multiple financial product lines.

BBVA operates globally, with significant presence in Spain, Mexico, Turkey, South America, the United States, and Asia. Its business model includes digital banking, reflecting a broader industry trend towards digital transformation in financial services.

Founded in 1857, the company is headquartered in Bilbao, Spain. For more in-depth analysis of BBVAs financial performance, further research on ValueRay is recommended.

Headlines to Watch Out For
  • Mexican economic growth boosts loan demand and net interest income
  • Turkish lira volatility impacts earnings translation
  • European Central Bank interest rate policy affects net interest margin
  • Global economic slowdown reduces wholesale banking activity
  • Regulatory fines for past misconduct increase operational costs
Piotroski VR‑10 (Strict) 3.5
Net Income: 10.51b TTM > 0 and > 6% of Revenue
FCF/TA: 0.02 > 0.02 and ΔFCF/TA 4.12 > 1.0
NWC/Revenue: -781.0% < 20% (prev -869.1%; Δ 88.08% < -1%)
CFO/TA 0.02 > 3% & CFO 14.97b > Net Income 10.51b
Net Debt (-194.10b) to EBITDA (17.75b): -10.94 < 3
Current Ratio: 0.44 > 1.5 & < 3
Outstanding Shares: last quarter (5.97b) vs 12m ago -1.81% < -2%
Gross Margin: 50.76% > 18% (prev 0.67%; Δ 5.01k% > 0.5%)
Asset Turnover: 5.60% > 50% (prev 5.79%; Δ -0.18% > 0%)
Interest Coverage Ratio: 0.99 > 6 (EBITDA TTM 17.75b / Interest Expense TTM 16.45b)
Altman Z'' -2.23
A: -0.42 (Total Current Assets 275.94b - 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: -2.23 = D
Beneish M 1.00
DSRI: 14.20 (Receivables 460.40b/31.69b, Revenue 45.73b/44.69b)
GMI: 1.31 (GM 50.76% / 66.52%)
AQI: 0.89 (AQ_t 0.67 / AQ_t-1 0.75)
SGI: 1.02 (Revenue 45.73b / 44.69b)
TATA: -0.01 (NI 10.51b - CFO 14.97b) / TA 859.58b)
Beneish M-Score: 8.06 (Cap -4..+1) = D
What is the price of BBVA shares? As of April 10, 2026, the stock is trading at USD 22.70 with a total of 4,232,683 shares traded.
Over the past week, the price has changed by +6.79%, over one month by +8.53%, over three months by -1.23% and over the past year by +89.05%.
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.
  • StrongBuy: 1
  • Buy: 0
  • Hold: 1
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the BBVA price?
Analysts Target Price 23.2 2.3%
Banco Bilbao Viscaya (BBVA) - Fundamental Data Overview as of 07 April 2026
Market Cap EUR = 106.46b (124.48b USD * 0.8553 USD.EUR)
P/E Trailing = 10.7451
P/E Forward = 9.99
P/S = 3.9332
P/B = 1.875
P/EG = 1.8858
Revenue TTM = 45.73b EUR
EBIT TTM = 16.23b EUR
EBITDA TTM = 17.75b EUR
Long Term Debt = 81.84b EUR (from longTermDebt, last quarter)
Short Term Debt = 110.33b EUR (from shortTermDebt, last quarter)
Debt = 81.84b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = -194.10b EUR (recalculated: Debt 81.84b - CCE 275.94b)
Enterprise Value = 106.46b EUR (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.99 (Ebit TTM 16.23b / Interest Expense TTM 16.45b)
EV/FCF = 7.76x (Enterprise Value 106.46b / FCF TTM 13.72b)
FCF Yield = 12.89% (FCF TTM 13.72b / Enterprise Value 106.46b)
FCF Margin = 30.0% (FCF TTM 13.72b / Revenue TTM 45.73b)
Net Margin = 22.98% (Net Income TTM 10.51b / Revenue TTM 45.73b)
Gross Margin = 50.76% ((Revenue TTM 45.73b - Cost of Revenue TTM 22.52b) / Revenue TTM)
Gross Margin QoQ = 82.18% (prev 45.87%)
Tobins Q-Ratio = 0.12 (Enterprise Value 106.46b / 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 = 0.44 (Total Current Assets 275.94b / Total Current Liabilities 633.09b)
Debt / Equity = 1.43 (Debt 81.84b / totalStockholderEquity, last quarter 57.36b)
Debt / EBITDA = -10.94 (Net Debt -194.10b / EBITDA 17.75b)
Debt / FCF = -14.15 (Net Debt -194.10b / FCF TTM 13.72b)
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 = 7.61% (E(106.46b)/V(188.31b) * Re(8.30%) + D(81.84b)/V(188.31b) * Rd(9.93%) * (1-Tc(0.32)))
Discount Rate = 8.30% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.18%
[DCF] Terminal Value 72.50% ; FCFF base≈13.72b ; Y1≈9.01b ; Y5≈4.12b
[DCF] Fair Price = 49.66 (EV 87.85b - Net Debt -194.10b = Equity 281.95b / Shares 5.68b; r=7.61% [WACC]; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 94.28 | EPS CAGR: 19.90% | SUE: -0.37 | # QB: 0
Revenue Correlation: 35.62 | Revenue CAGR: 4.94% | SUE: 0.02 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.62 | Chg7d=+0.000 | Chg30d=-0.011 | Revisions Net=-1 | Analysts=1
EPS current Year (2026-12-31): EPS=2.12 | Chg7d=+0.109 | Chg30d=+0.083 | Revisions Net=-1 | Growth EPS=+1.9% | Growth Revenue=+8.3%
EPS next Year (2027-12-31): EPS=2.21 | Chg7d=+0.160 | Chg30d=+0.133 | Revisions Net=-1 | Growth EPS=+4.6% | Growth Revenue=+4.9%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -1.0% (Discount Rate 8.3% - Earnings Yield 9.3%)
[Growth] Growth Spread = +18.7% (Analyst 17.7% - Implied -1.0%)
External Resources
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