(BBVA) Banco Bilbao Viscaya - Overview
Exchange: NYSE •
Country: Spain •
Currency: USD •
Type: Common Stock •
ISIN: US05946K1016
Stock: Banking, Insurance, Investments, Management
Total Rating 37
Risk 22
Buy Signal -0.01
| Risk 5d forecast | |
|---|---|
| Volatility | 31.0% |
| Relative Tail Risk | 1.67% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.31 |
| Alpha | 36.10 |
| Character TTM | |
|---|---|
| Beta | 0.631 |
| Beta Downside | 0.852 |
| Drawdowns 3y | |
|---|---|
| Max DD | 21.68% |
| CAGR/Max DD | 2.59 |
EPS (Earnings per Share)
Revenue
Description: BBVA Banco Bilbao Viscaya March 04, 2026
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, 0-10) 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 (-12.11b) to EBITDA (17.75b): -0.68 < 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 March 20, 2026, the stock is trading at USD 20.94 with a total of 2,387,501 shares traded.
Over the past week, the price has changed by +0.58%, over one month by -9.74%, over three months by -9.15% and over the past year by +53.09%.
Over the past week, the price has changed by +0.58%, over one month by -9.74%, over three months by -9.15% and over the past year by +53.09%.
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?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 24.3 | 16% |
| Analysts Target Price | 24.3 | 16% |
BBVA Fundamental Data Overview March 16, 2026
Market Cap EUR = 101.30b (116.13b USD * 0.8723 USD.EUR)
P/E Trailing = 10.0739
P/E Forward = 8.5985
P/S = 3.6694
P/B = 1.754
P/EG = 3.057
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 = -12.11b EUR (from netDebt column, last quarter)
Enterprise Value = -92.80b EUR (101.30b + Debt 81.84b - CCE 275.94b)
Interest Coverage Ratio = 0.99 (Ebit TTM 16.23b / Interest Expense TTM 16.45b)
EV/FCF = -6.76x (Enterprise Value -92.80b / FCF TTM 13.72b)
FCF Yield = -14.78% (FCF TTM 13.72b / Enterprise Value -92.80b)
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 = -0.11 (set to none) (Enterprise Value -92.80b / 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 = -0.68 (Net Debt -12.11b / EBITDA 17.75b)
Debt / FCF = -0.88 (Net Debt -12.11b / 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 = 7.56% (E(101.30b)/V(183.14b) * Re(8.24%) + D(81.84b)/V(183.14b) * Rd(9.93%) * (1-Tc(0.32)))
Discount Rate = 8.24% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.18%
[DCF] Terminal Value 72.27% ; FCFF base≈13.72b ; Y1≈9.01b ; Y5≈4.11b
[DCF] Fair Price = 17.48 (EV 87.15b - Net Debt -12.11b = Equity 99.26b / Shares 5.68b; r=7.56% [WACC]; 5y FCF grow -40.0% → 2.90% )
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=-0.011 | Chg30d=-0.004 | Revisions Net=-1 | Analysts=1
EPS current Year (2026-12-31): EPS=2.01 | Chg7d=-0.026 | Chg30d=-0.026 | Revisions Net=-1 | Growth EPS=-3.4% | Growth Revenue=+8.3%
EPS next Year (2027-12-31): EPS=2.05 | Chg7d=-0.027 | Chg30d=-0.027 | Revisions Net=-1 | Growth EPS=+2.3% | Growth Revenue=+5.1%
P/E Trailing = 10.0739
P/E Forward = 8.5985
P/S = 3.6694
P/B = 1.754
P/EG = 3.057
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 = -12.11b EUR (from netDebt column, last quarter)
Enterprise Value = -92.80b EUR (101.30b + Debt 81.84b - CCE 275.94b)
Interest Coverage Ratio = 0.99 (Ebit TTM 16.23b / Interest Expense TTM 16.45b)
EV/FCF = -6.76x (Enterprise Value -92.80b / FCF TTM 13.72b)
FCF Yield = -14.78% (FCF TTM 13.72b / Enterprise Value -92.80b)
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 = -0.11 (set to none) (Enterprise Value -92.80b / 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 = -0.68 (Net Debt -12.11b / EBITDA 17.75b)
Debt / FCF = -0.88 (Net Debt -12.11b / 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 = 7.56% (E(101.30b)/V(183.14b) * Re(8.24%) + D(81.84b)/V(183.14b) * Rd(9.93%) * (1-Tc(0.32)))
Discount Rate = 8.24% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.18%
[DCF] Terminal Value 72.27% ; FCFF base≈13.72b ; Y1≈9.01b ; Y5≈4.11b
[DCF] Fair Price = 17.48 (EV 87.15b - Net Debt -12.11b = Equity 99.26b / Shares 5.68b; r=7.56% [WACC]; 5y FCF grow -40.0% → 2.90% )
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=-0.011 | Chg30d=-0.004 | Revisions Net=-1 | Analysts=1
EPS current Year (2026-12-31): EPS=2.01 | Chg7d=-0.026 | Chg30d=-0.026 | Revisions Net=-1 | Growth EPS=-3.4% | Growth Revenue=+8.3%
EPS next Year (2027-12-31): EPS=2.05 | Chg7d=-0.027 | Chg30d=-0.027 | Revisions Net=-1 | Growth EPS=+2.3% | Growth Revenue=+5.1%