(BBVA) Banco Bilbao Viscaya - Overview
Exchange: NYSE •
Country: Spain •
Currency: USD •
Type: Common Stock •
ISIN: US05946K1016
Stock: Savings, Loans, Cards, Insurance, Investments
Total Rating 38
Risk 17
Buy Signal -0.45
| Risk 5d forecast | |
|---|---|
| Volatility | 39.3% |
| Relative Tail Risk | 1.62% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.05 |
| Alpha | 80.37 |
| Character TTM | |
|---|---|
| Beta | 0.905 |
| Beta Downside | 0.893 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.76% |
| CAGR/Max DD | 2.80 |
EPS (Earnings per Share)
Revenue
Description: BBVA Banco Bilbao Viscaya January 28, 2026
Banco Bilbao Vizcaya Argentaria (BBVA) is a diversified banking group headquartered in Bilbao, Spain, offering retail, wholesale, and asset-management services across Spain, Mexico, Turkey, South America, the rest of Europe, the United States, and Asia. Its product suite includes deposits, mortgages, consumer and corporate loans, credit cards, insurance, leasing, factoring, and brokerage, with a growing emphasis on online and mobile delivery channels.
As of Q3 2024, BBVA reported a net profit of €5.2 billion, a CET1 capital ratio of 13.5 % (up from 13.1 % in Q2 2024), and a 4 % year-over-year increase in its loan portfolio, driven primarily by strong growth in Mexico and Turkey. Net interest margin expanded to 2.1 % amid a Eurozone policy rate of roughly 4.5 %, while digital active customers surpassed 18 million, reflecting a 7 % increase YoY. Key macro drivers include the European banking sector’s shift toward higher-rate environments, Spain’s modest 2 % GDP growth, and Mexico’s inflation-adjusted credit demand, all of which shape BBVA’s earnings outlook.
For a deeper, data-rich dive into BBVA’s valuation dynamics, you may find ValueRay’s dedicated analysis useful.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 10.51b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 3.70 > 1.0 |
| NWC/Revenue: -781.0% < 20% (prev -979.6%; Δ 198.6% < -1%) |
| CFO/TA 0.01 > 3% & CFO 10.96b > 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 0.53%; Δ 5023 % > 0.5%) |
| Asset Turnover: 5.60% > 50% (prev 4.09%; Δ 1.52% > 0%) |
| Interest Coverage Ratio: 0.99 > 6 (EBITDA TTM 17.75b / Interest Expense TTM 16.45b) |
Altman Z'' -2.31
| A: -0.42 (Total Current Assets 275.94b - Total Current Liabilities 633.09b) / Total Assets 859.58b |
| B: 0.06 (Retained Earnings 54.41b / Total Assets 859.58b) |
| C: 0.02 (EBIT TTM 16.23b / Avg Total Assets 815.99b) |
| D: 0.07 (Book Value of Equity 57.36b / Total Liabilities 797.78b) |
| Altman-Z'' Score: -2.31 = D |
Beneish M 1.00
| DSRI: 6.63 (Receivables 460.40b/47.98b, Revenue 45.73b/31.57b) |
| GMI: 1.04 (GM 50.76% / 52.74%) |
| AQI: 1.00 (AQ_t 0.67 / AQ_t-1 0.67) |
| SGI: 1.45 (Revenue 45.73b / 31.57b) |
| TATA: -0.00 (NI 10.51b - CFO 10.96b) / TA 859.58b) |
| Beneish M-Score: 1.96 (Cap -4..+1) = D |
What is the price of BBVA shares?
As of February 17, 2026, the stock is trading at USD 22.73 with a total of 8,819,700 shares traded.
Over the past week, the price has changed by -7.53%, over one month by -6.77%, over three months by +9.44% and over the past year by +87.24%.
Over the past week, the price has changed by -7.53%, over one month by -6.77%, over three months by +9.44% and over the past year by +87.24%.
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 | 6.8% |
| Analysts Target Price | 24.3 | 6.8% |
BBVA Fundamental Data Overview February 14, 2026
Market Cap EUR = 112.55b (133.59b USD * 0.8425 USD.EUR)
P/E Trailing = 11.1627
P/E Forward = 10.352
P/S = 4.2801
P/B = 1.9366
P/EG = 2.6203
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 = -81.55b EUR (112.55b + Debt 81.84b - CCE 275.94b)
Interest Coverage Ratio = 0.99 (Ebit TTM 16.23b / Interest Expense TTM 16.45b)
EV/FCF = -8.06x (Enterprise Value -81.55b / FCF TTM 10.12b)
FCF Yield = -12.41% (FCF TTM 10.12b / Enterprise Value -81.55b)
FCF Margin = 22.12% (FCF TTM 10.12b / 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 = -0.09 (set to none) (Enterprise Value -81.55b / 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 = -1.20 (Net Debt -12.11b / FCF TTM 10.12b)
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 = 8.19% (E(112.55b)/V(194.39b) * Re(9.25%) + D(81.84b)/V(194.39b) * Rd(9.93%) * (1-Tc(0.32)))
Discount Rate = 9.25% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.18%
[DCF Debug] Terminal Value 69.37% ; FCFF base≈10.12b ; Y1≈6.64b ; Y5≈3.03b
Fair Price DCF = 12.27 (EV 57.37b - Net Debt -12.11b = Equity 69.48b / Shares 5.66b; r=8.19% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 94.28 | EPS CAGR: 19.90% | SUE: -0.37 | # QB: 0
Revenue Correlation: 39.02 | Revenue CAGR: 4.94% | SUE: 0.02 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.60 | Chg30d=N/A | Revisions Net=+0 | Analysts=1
EPS current Year (2026-12-31): EPS=2.03 | Chg30d=+0.037 | Revisions Net=+1 | Growth EPS=-2.1% | Growth Revenue=+8.0%
EPS next Year (2027-12-31): EPS=2.08 | Chg30d=+0.037 | Revisions Net=+1 | Growth EPS=+2.3% | Growth Revenue=+4.6%
P/E Trailing = 11.1627
P/E Forward = 10.352
P/S = 4.2801
P/B = 1.9366
P/EG = 2.6203
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 = -81.55b EUR (112.55b + Debt 81.84b - CCE 275.94b)
Interest Coverage Ratio = 0.99 (Ebit TTM 16.23b / Interest Expense TTM 16.45b)
EV/FCF = -8.06x (Enterprise Value -81.55b / FCF TTM 10.12b)
FCF Yield = -12.41% (FCF TTM 10.12b / Enterprise Value -81.55b)
FCF Margin = 22.12% (FCF TTM 10.12b / 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 = -0.09 (set to none) (Enterprise Value -81.55b / 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 = -1.20 (Net Debt -12.11b / FCF TTM 10.12b)
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 = 8.19% (E(112.55b)/V(194.39b) * Re(9.25%) + D(81.84b)/V(194.39b) * Rd(9.93%) * (1-Tc(0.32)))
Discount Rate = 9.25% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.18%
[DCF Debug] Terminal Value 69.37% ; FCFF base≈10.12b ; Y1≈6.64b ; Y5≈3.03b
Fair Price DCF = 12.27 (EV 57.37b - Net Debt -12.11b = Equity 69.48b / Shares 5.66b; r=8.19% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 94.28 | EPS CAGR: 19.90% | SUE: -0.37 | # QB: 0
Revenue Correlation: 39.02 | Revenue CAGR: 4.94% | SUE: 0.02 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.60 | Chg30d=N/A | Revisions Net=+0 | Analysts=1
EPS current Year (2026-12-31): EPS=2.03 | Chg30d=+0.037 | Revisions Net=+1 | Growth EPS=-2.1% | Growth Revenue=+8.0%
EPS next Year (2027-12-31): EPS=2.08 | Chg30d=+0.037 | Revisions Net=+1 | Growth EPS=+2.3% | Growth Revenue=+4.6%