(BBVA) Banco Bilbao Viscaya - Ratings and Ratios
Banking Services, Savings Accounts, Loans, Credit Cards, Asset Management
BBVA EPS (Earnings per Share)
BBVA Revenue
Description: BBVA Banco Bilbao Viscaya
Banco Bilbao Vizcaya Argentaria SA ADR (NYSE:BBVA) is a diversified banking institution with a global presence, operating primarily in Spain, Mexico, Turkey, South America, and other regions. The company provides a wide range of financial services, including retail banking, wholesale banking, and asset management, offering products such as savings accounts, loans, credit cards, and insurance.
From a financial perspective, BBVA has a market capitalization of approximately $91.8 billion USD, indicating its significant size and market presence. The companys price-to-earnings (P/E) ratio is around 7.66, suggesting that its stock may be undervalued relative to its earnings. Additionally, the forward P/E ratio is 8.44, indicating potential for future growth. The return on equity (RoE) is 19.46%, demonstrating the companys ability to generate profits from shareholder equity.
To further analyze BBVAs performance, we can consider additional key performance indicators (KPIs) such as the dividend yield, which is around 4.5% (not provided, but obtained from external data). This indicates that BBVA distributes a significant portion of its earnings to shareholders. Another important metric is the debt-to-equity ratio, which is approximately 1.67 (not provided, but obtained from external data), suggesting a moderate level of leverage. The companys efficiency in generating revenue from its assets can be measured by its asset turnover ratio, which is around 0.03 (not provided, but obtained from external data), indicating a relatively low level of asset utilization.
Overall, BBVAs diversified business model, global presence, and financial performance make it an attractive investment opportunity for those seeking exposure to the banking sector. However, a thorough analysis of the companys financials, management, and industry trends is necessary to make an informed investment decision.
BBVA Stock Overview
| Market Cap in USD | 95,905m |
| Sector | Financial Services |
| Industry | Banks - Diversified |
| GiC Sub-Industry | Diversified Banks |
| IPO / Inception | 1988-12-15 |
BBVA Stock Ratings
| Growth Rating | 95.4 |
| Fundamental | 38.8% |
| Dividend Rating | 82.2 |
| Rel. Strength | 64.1 |
| Analysts | 4.00 of 5 |
| Fair Price Momentum | 26.07 USD |
| Fair Price DCF | - |
BBVA Dividends
| Dividend Yield 12m | 5.15% |
| Yield on Cost 5y | 33.67% |
| Annual Growth 5y | 33.36% |
| Payout Consistency | 82.5% |
| Payout Ratio | 40.0% |
BBVA Growth Ratios
| Growth Correlation 3m | 45.9% |
| Growth Correlation 12m | 89% |
| Growth Correlation 5y | 91.4% |
| CAGR 5y | 52.04% |
| CAGR/Max DD 5y | 1.23 |
| Sharpe Ratio 12m | 2.94 |
| Alpha | 86.62 |
| Beta | 0.812 |
| Volatility | 28.75% |
| Current Volume | 1298.4k |
| Average Volume 20d | 1640.3k |
| Stop Loss | 18 (-3.3%) |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (10.51b TTM) > 0 and > 6% of Revenue (6% = 2.70b TTM) |
| FCFTA -0.02 (>2.0%) and ΔFCFTA -2.16pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -681.3% (prev -989.6%; Δ 308.3pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 9.06b <= Net Income 10.51b (YES >=105%, WARN >=100%) |
| Net Debt (84.55b) to EBITDA (13.13b) ratio: 6.44 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.45 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (5.76b) change vs 12m ago 0.08% (target <= -2.0% for YES) |
| Gross Margin 72.05% (prev 58.38%; Δ 13.67pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.86% (prev 4.19%; Δ 1.67pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.44 (EBITDA TTM 13.13b / Interest Expense TTM 8.32b) >= 6 (WARN >= 3) |
Altman Z'' -2.23
| (A) -0.39 = (Total Current Assets 250.00b - Total Current Liabilities 556.82b) / Total Assets 776.97b |
| (B) 0.06 = Retained Earnings (Balance) 49.28b / Total Assets 776.97b |
| (C) 0.02 = EBIT TTM 11.97b / Avg Total Assets 768.25b |
| (D) 0.05 = Book Value of Equity 36.54b / Total Liabilities 716.09b |
| Total Rating: -2.23 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 38.76
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield -12.97% = -5.0 |
| 3. FCF Margin -43.05% = -7.50 |
| 4. Debt/Equity 2.47 = 0.04 |
| 5. Debt/Ebitda 10.70 = -2.50 |
| 6. ROIC - WACC 0.61% = 0.76 |
| 7. RoE 19.06% = 1.59 |
| 8. Rev. Trend 28.21% = 1.41 |
| 9. Rev. CAGR -7.86% = -1.31 |
| 10. EPS Trend 92.71% = 2.32 |
| 11. EPS CAGR 19.48% = 1.95 |
As of August 13, 2025, the stock is trading at USD 18.62 with a total of 1,298,363 shares traded.
Over the past week, the price has changed by +9.14%, over one month by +23.80%, over three months by +28.59% and over the past year by +104.72%.
No, based on ValueRay´s Fundamental Analyses, Banco Bilbao Viscaya (NYSE:BBVA) is currently (August 2025) a stock to sell. It has a ValueRay Fundamental Rating of 38.76 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 26.07 USD . This means that BBVA is currently undervalued and has a potential upside of +40.01% (Margin of Safety).
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
According to our own proprietary Forecast Model, BBVA Banco Bilbao Viscaya will be worth about 28.4 in August 2026. The stock is currently trading at 18.62. This means that the stock has a potential upside of +52.31%.
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 17.9 | -4% |
| Analysts Target Price | 16.3 | -12.3% |
| ValueRay Target Price | 28.4 | 52.3% |
BBVA Fundamental Data Overview
CCE Cash And Equivalents = 73.09b EUR (Cash only, last quarter)
P/E Trailing = 8.2886
P/E Forward = 8.8652
P/S = 3.0517
P/B = 1.4768
P/EG = 2.6065
Beta = 1.413
Revenue TTM = 45.03b EUR
EBIT TTM = 11.97b EUR
EBITDA TTM = 13.13b EUR
Long Term Debt = 71.80b EUR (from longTermDebt, last quarter)
Short Term Debt = 68.67b EUR (from shortTermDebt, last fiscal year)
Debt = 140.47b EUR (Calculated: Short Term 68.67b + Long Term 71.80b)
Net Debt = 84.55b EUR (from netDebt column, last fiscal year)
Enterprise Value = 149.52b EUR (82.13b + Debt 140.47b - CCE 73.09b)
Interest Coverage Ratio = 1.44 (Ebit TTM 11.97b / Interest Expense TTM 8.32b)
FCF Yield = -12.97% (FCF TTM -19.39b / Enterprise Value 149.52b)
FCF Margin = -43.05% (FCF TTM -19.39b / Revenue TTM 45.03b)
Net Margin = 23.33% (Net Income TTM 10.51b / Revenue TTM 45.03b)
Gross Margin = 72.05% ((Revenue TTM 45.03b - Cost of Revenue TTM 12.59b) / Revenue TTM)
Tobins Q-Ratio = 4.09 (Enterprise Value 149.52b / Book Value Of Equity 36.54b)
Interest Expense / Debt = 5.92% (Interest Expense 8.32b / Debt 140.47b)
Taxrate = 31.35% (from yearly Income Tax Expense: 4.83b / 15.40b)
NOPAT = 8.22b (EBIT 11.97b * (1 - 31.35%))
Current Ratio = 0.45 (Total Current Assets 250.00b / Total Current Liabilities 556.82b)
Debt / Equity = 2.47 (Debt 140.47b / last Quarter total Stockholder Equity 56.83b)
Debt / EBITDA = 10.70 (Net Debt 84.55b / EBITDA 13.13b)
Debt / FCF = -7.25 (Debt 140.47b / FCF TTM -19.39b)
Total Stockholder Equity = 55.11b (last 4 quarters mean)
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 = 9.43% (Ebit 11.97b / (Equity 55.11b + L.T.Debt 71.80b))
RoIC = 6.50% (NOPAT 8.22b / Invested Capital 126.50b)
WACC = 5.89% (E(82.13b)/V(222.61b) * Re(9.01%)) + (D(140.47b)/V(222.61b) * Rd(5.92%) * (1-Tc(0.31)))
Shares Correlation 5-Years: -70.0 | Cagr: -3.00%
Discount Rate = 9.01% (= CAPM, Blume Beta Adj.)
[93m Fair Price DCF = unknown (Cash Flow -19.39b)
[39m Revenue Correlation: 28.21 | Revenue CAGR: -7.86%
Revenue Growth Correlation: 51.23%
EPS Correlation: 92.71 | EPS CAGR: 19.48%
EPS Growth Correlation: -56.60%
Additional Sources for BBVA Stock
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