(BBVA) Banco Bilbao Viscaya - Ratings and Ratios
Loans, Deposits, Insurance, Asset Management, Digital Banking
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.87% |
| Yield on Cost 5y | 24.39% |
| Yield CAGR 5y | 44.25% |
| Payout Consistency | 82.4% |
| Payout Ratio | 42.7% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 28.7% |
| Value at Risk 5%th | 47.8% |
| Relative Tail Risk | 1.36% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.70 |
| Alpha | 125.01 |
| CAGR/Max DD | 3.33 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.696 |
| Beta | 0.842 |
| Beta Downside | 0.844 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.76% |
| Mean DD | 5.23% |
| Median DD | 3.60% |
Description: BBVA Banco Bilbao Viscaya September 25, 2025
Banco Bilbao Vizcaya Argentaria (BBVA) is a diversified banking group headquartered in Bilbao, Spain, operating across retail banking, wholesale banking, and asset management. Its footprint spans Spain, Mexico, Turkey, South America, the rest of Europe, the United States, and Asia, delivering a full suite of products-from savings and deposit accounts to mortgages, credit cards, corporate loans, insurance, leasing, factoring, and brokerage services-largely through online and mobile channels.
As of FY 2023, BBVA reported a net profit of €7.7 billion and a Return on Tangible Equity (ROTE) of 13.2%, comfortably above the European banking average. Its Common Equity Tier 1 (CET1) capital ratio stood at 13.9%, reflecting a solid buffer against credit risk. Digital adoption is a strategic focus: the bank now serves roughly 27 million active digital customers, a 12 % increase year-over-year, and has migrated over 60 % of its loan origination to digital platforms.
Key economic drivers for BBVA include the Eurozone interest-rate cycle, which directly impacts net interest margin, and macro-growth trends in its high-growth markets-particularly Mexico, where GDP expanded ~2.5 % in 2023 and loan growth outpaced the domestic average at ~5 % YoY. Additionally, the bank’s push into ESG-linked financing aligns with a broader sector shift toward sustainable credit, potentially unlocking premium pricing and regulatory incentives.
For a deeper, data-driven view of BBVA’s valuation metrics and scenario analysis, you may find it worthwhile to explore the detailed dashboards on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (10.41b TTM) > 0 and > 6% of Revenue (6% = 2.70b TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA 0.57pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -687.6% (prev -973.8%; Δ 286.2pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 4.26b <= Net Income 10.41b (YES >=105%, WARN >=100%) |
| Net Debt (16.67b) to EBITDA (13.34b) ratio: 1.25 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.44 (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 -3.60% (target <= -2.0% for YES) |
| Gross Margin 72.16% (prev 50.80%; Δ 21.36pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.68% (prev 3.88%; Δ 1.81pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.74 (EBITDA TTM 13.34b / Interest Expense TTM 16.45b) >= 6 (WARN >= 3) |
Altman Z'' -2.10
| (A) -0.38 = (Total Current Assets 247.55b - Total Current Liabilities 556.82b) / Total Assets 813.06b |
| (B) 0.07 = Retained Earnings (Balance) 54.41b / Total Assets 813.06b |
| (C) 0.02 = EBIT TTM 12.18b / Avg Total Assets 791.20b |
| (D) 0.07 = Book Value of Equity 54.41b / Total Liabilities 751.25b |
| Total Rating: -2.10 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 62.89
| 1. Piotroski 4.0pt |
| 2. FCF Yield 1.71% |
| 3. FCF Margin 6.82% |
| 4. Debt/Equity 2.51 |
| 5. Debt/Ebitda 1.25 |
| 6. ROIC - WACC (= 0.35)% |
| 7. RoE 18.49% |
| 8. Rev. Trend 42.59% |
| 9. EPS Trend 95.67% |
What is the price of BBVA shares?
Over the past week, the price has changed by +4.78%, over one month by +9.44%, over three months by +18.63% and over the past year by +143.34%.
Is BBVA a buy, sell or hold?
- Strong Buy: 1
- Buy: 0
- Hold: 1
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the BBVA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 22.1 | 3% |
| Analysts Target Price | 22.1 | 3% |
| ValueRay Target Price | 35.1 | 63.3% |
BBVA Fundamental Data Overview November 22, 2025
P/E Trailing = 10.0149
P/E Forward = 9.3284
P/S = 3.6673
P/B = 1.7629
P/EG = 2.743
Beta = 0.987
Revenue TTM = 44.98b EUR
EBIT TTM = 12.18b EUR
EBITDA TTM = 13.34b EUR
Long Term Debt = 82.67b EUR (from longTermDebt, last quarter)
Short Term Debt = 68.67b EUR (from shortTermDebt, last fiscal year)
Debt = 144.43b EUR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 16.67b EUR (from netDebt column, last quarter)
Enterprise Value = 179.17b EUR (100.75b + Debt 144.43b - CCE 66.00b)
Interest Coverage Ratio = 0.74 (Ebit TTM 12.18b / Interest Expense TTM 16.45b)
FCF Yield = 1.71% (FCF TTM 3.07b / Enterprise Value 179.17b)
FCF Margin = 6.82% (FCF TTM 3.07b / Revenue TTM 44.98b)
Net Margin = 23.15% (Net Income TTM 10.41b / Revenue TTM 44.98b)
Gross Margin = 72.16% ((Revenue TTM 44.98b - Cost of Revenue TTM 12.52b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 84.19%)
Tobins Q-Ratio = 0.22 (Enterprise Value 179.17b / Total Assets 813.06b)
Interest Expense / Debt = 5.62% (Interest Expense 8.12b / Debt 144.43b)
Taxrate = 31.18% (1.21b / 3.87b)
NOPAT = 8.38b (EBIT 12.18b * (1 - 31.18%))
Current Ratio = 0.44 (Total Current Assets 247.55b / Total Current Liabilities 556.82b)
Debt / Equity = 2.51 (Debt 144.43b / totalStockholderEquity, last quarter 57.64b)
Debt / EBITDA = 1.25 (Net Debt 16.67b / EBITDA 13.34b)
Debt / FCF = 5.43 (Net Debt 16.67b / FCF TTM 3.07b)
Total Stockholder Equity = 56.30b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.28% (Net Income 10.41b / Total Assets 813.06b)
RoE = 18.49% (Net Income TTM 10.41b / Total Stockholder Equity 56.30b)
RoCE = 8.77% (EBIT 12.18b / Capital Employed (Equity 56.30b + L.T.Debt 82.67b))
RoIC = 6.37% (NOPAT 8.38b / Invested Capital 131.52b)
WACC = 6.03% (E(100.75b)/V(245.17b) * Re(9.12%) + D(144.43b)/V(245.17b) * Rd(5.62%) * (1-Tc(0.31)))
Discount Rate = 9.12% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.67%
[DCF Debug] Terminal Value 65.74% ; FCFE base≈3.07b ; Y1≈2.01b ; Y5≈920.8m
Fair Price DCF = 2.66 (DCF Value 15.24b / Shares Outstanding 5.73b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 95.67 | EPS CAGR: 22.35% | SUE: -0.80 | # QB: 0
Revenue Correlation: 42.59 | Revenue CAGR: 16.72% | SUE: 0.14 | # QB: 0
Additional Sources for BBVA Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle