BBVA Stock Analysis: Banco Bilbao Viscaya | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 144.375m USD | 12M Return: 48.4% | US05946K1016 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 42.1M
EPS Trend: 97.5%
Qual. Beats: 1
Rev. Trend: 87.6%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is a large-cap Spanish diversified bank headquartered in Bilbao, Spain, with a history dating back to 1857. Originally founded as Banco Bilbao Vizcaya, the company adopted its current name in January 2000 and has been listed on the NYSE since 1988. It operates across Spain, Mexico, Turkey, South America, Europe, the United States, and Asia, offering a broad range of services including retail and wholesale banking, investment and transaction banking, insurance, asset management, capital markets, and digital banking. As a diversified bank under the GICS classification, BBVAs business model centers on collecting deposits and extending loans (generating net interest income) while supplementing revenue with fees from advisory, asset management, and transactional services across both mature and emerging markets, with Mexico historically serving as one of its most important growth regions outside of Spain.
- Mexico interest rate cuts squeeze net interest margins
- Turkish lira weakness pressures Garanti BBVA earnings
- Capital return accelerates with buybacks and dividends
| Net Income: 11.1b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.83 > 1.0 |
| NWC/Revenue: -758.9% < 20% (prev -724.7%; Δ -34.22% < -1%) |
| CFO/TA 0.01 > 3% & CFO 11.4b > Net Income 11.1b |
| Net Debt (-218b) to EBITDA (18.6b): -11.73 < 3 |
| Current Ratio: 0.47 > 1.5 & < 3 |
| Outstanding Shares: last quarter (5.78b) vs 12m ago 0.14% < -2% |
| Gross Margin: 69.44% > 18% (prev 69.10%; Δ 0.33% > 0.5%) |
| Asset Turnover: 5.61% > 50% (prev 5.83%; Δ -0.22% > 0%) |
| Interest Coverage Ratio: 1.06 > 6 (EBIT TTM 17.4b / Interest Expense TTM 16.4b) |
| A: -0.38 (Total Current Assets 325b - Total Current Liabilities 696b) / Total Assets 965b |
| B: 0.06 (Retained Earnings 56.9b / Total Assets 965b) |
| C: 0.02 (EBIT TTM 17.4b / Avg Total Assets 871b) |
| D: 0.07 (Book Value of Equity 59.0b / Total Liabilities 902b) |
| Altman-Z'' = -2.12 = D |
As of October 10, 2026, the stock is trading at USD 26.12 with a total of 1,937,487 shares traded. Over the past week, the price has changed by -3.19%, over one month by -10.18%, over three months by +3.00% and over the past year by +48.43%.
Current recommended Stop Loss: 24.50 (which is 6.2% or 2.7 ATR below the current price).
Banco Bilbao Viscaya has received a consensus analysts rating of 2.33. Therefore, it is recommended to sell BBVA.
- StrongBuy: 0
- Buy: 0
- Hold: 1
- Sell: 2
- StrongSell: 0
| Analysts Target Price | 24.5 | -6.1% |
Market Cap EUR = 129b (144b USD * 0.8918200135231 USD.EUR)
P/E Trailing = 11.9863
P/E Forward = 11.8624
P/S = 4.2295
P/B = 2.3381
P/EG = 2.2389
Revenue TTM = 48.9b EUR
EBIT TTM = 17.4b EUR
EBITDA TTM = 18.6b EUR
Long Term Debt = 106b EUR (from longTermDebt, last quarter)
Short Term Debt = 110b EUR (from shortTermDebt, last fiscal year)
Debt = 108b EUR (from shortLongTermDebtTotal, last quarter) + Leases 1.46b
Net Debt = -218b EUR (calculated: Debt 108b - CCE 325b)
Enterprise Value = 129b EUR (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.06 (Ebit TTM 17.4b / Interest Expense TTM 16.4b)
EV/FCF = 12.77x (Enterprise Value 129b / FCF TTM 10.1b)
FCF Yield = 7.83% (FCF TTM 10.1b / Enterprise Value 129b)
FCF Margin = 20.64% (FCF TTM 10.1b / Revenue TTM 48.9b)
Net Margin = 22.75% (Net Income TTM 11.1b / Revenue TTM 48.9b)
Gross Margin = 69.44% ((Revenue TTM 48.9b - Cost of Revenue TTM 14.9b) / Revenue TTM)
Gross Margin QoQ = 84.04% (prev 82.91%)
Tobins Q-Ratio = 0.13 (Enterprise Value 129b / Total Assets 965b)
Interest Expense / Debt = 15.28% (Interest Expense 16.4b / Debt 108b)
Taxrate = 32.14% (5.59b / 17.4b)
NOPAT = 11.8b (EBIT 17.4b * (1 - 32.14%))
Current Ratio = 0.47 (Total Current Assets 325b / Total Current Liabilities 696b)
Debt / Equity = 1.83 (Debt 108b / totalStockholderEquity, last quarter 59.0b)
Debt / EBITDA = -11.73 (Net Debt -218b / EBITDA 18.6b)
Debt / FCF = -21.60 (Net Debt -218b / FCF TTM 10.1b)
Total Stockholder Equity = 57.6b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.28% (Net Income 11.1b / Total Assets 965b)
RoE = 19.31% (Net Income TTM 11.1b / Total Stockholder Equity 57.6b)
RoCE = 10.62% (EBIT 17.4b / Capital Employed (Equity 57.6b + L.T.Debt 106b))
RoIC = 3.13% (NOPAT 11.8b / Invested Capital 377b)
WACC = 9.07% (E(129b)/V(236b) * Re(7.98%) + D(108b)/V(236b) * Rd(15.28%) * (1-Tc(0.32)))
Discount Rate = 7.98% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -17.75 | Cagr: -0.46%
[DCF] Terminal Value 75.68% ; FCFF base≈6.71b ; Y1≈7.69b ; Y5≈11.3b
[DCF] Fair Price = 67.08 (EV 151b - Net Debt -218b = Equity 369b / Shares 5.50b; r=9.07% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 97.53 | EPS CAGR: 20.49% | SUE: 1.50 | # QB: 1
Revenue Correlation: 87.60 | Revenue CAGR: 13.96% | SUE: 0.03 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.60 | Chg30d=+0.00% | Revisions=-25% | Analysts=1
EPS current Year (2026-12-31): EPS=2.39 | Chg30d=+0.00% | Revisions=-25% | GrowthEPS=+15.1% | GrowthRev=+15.5%
EPS next Year (2027-12-31): EPS=2.48 | Chg30d=+0.00% | Revisions=-25% | GrowthEPS=+3.9% | GrowthRev=+6.3%
[Analyst] Revisions Ratio: -50% (up=0, down=3)