(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 | 104,046m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1988-12-15 |
BBVA Stock Ratings
| Growth Rating | 95.7% |
| Fundamental | 48.4% |
| Dividend Rating | 83.5% |
| Return 12m vs S&P 500 | 56.4% |
| Analyst Rating | 4.0 of 5 |
BBVA Dividends
| Dividend Yield 12m | 5.05% |
| Yield on Cost 5y | 35.20% |
| Annual Growth 5y | 33.36% |
| Payout Consistency | 88.4% |
| Payout Ratio | 40.3% |
BBVA Growth Ratios
| Growth Correlation 3m | 74.1% |
| Growth Correlation 12m | 91.6% |
| Growth Correlation 5y | 91.4% |
| CAGR 5y | 52.86% |
| CAGR/Max DD 5y | 1.25 |
| Sharpe Ratio 12m | 2.82 |
| Alpha | 68.43 |
| Beta | 0.812 |
| Volatility | 36.60% |
| Current Volume | 1190.2k |
| Average Volume 20d | 1474.5k |
| Stop Loss | 17.6 (-3%) |
| Signal | 0.45 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| 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 -964.9% (prev -989.6%; Δ 24.66pp) (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 (-1.29b) to EBITDA (17.57b) ratio: -0.07 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.23 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (5.77b) change vs 12m ago 0.29% (target <= -2.0% for YES) |
| Gross Margin 69.00% (prev 58.38%; Δ 10.61pp) >=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 1.93 (EBITDA TTM 17.57b / Interest Expense TTM 8.32b) >= 6 (WARN >= 3) |
Altman Z'' -3.24
| (A) -0.56 = (Total Current Assets 131.27b - Total Current Liabilities 565.81b) / Total Assets 776.97b |
| (B) 0.06 = Retained Earnings (Balance) 49.28b / Total Assets 776.97b |
| (C) 0.02 = EBIT TTM 16.05b / Avg Total Assets 768.25b |
| (D) 0.08 = Book Value of Equity 56.83b / Total Liabilities 716.09b |
| Total Rating: -3.24 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 48.42
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield -3.25% = -1.63 |
| 3. FCF Margin -43.05% = -7.50 |
| 4. Debt/Equity 11.22 = -2.50 |
| 5. Debt/Ebitda 36.29 = -2.50 |
| 6. ROIC - WACC 6.82% = 8.52 |
| 7. RoE 19.06% = 1.59 |
| 8. Rev. Trend 28.21% = 1.41 |
| 9. Rev. CAGR -8.54% = -1.42 |
| 10. EPS Trend 92.67% = 2.32 |
| 11. EPS CAGR 21.33% = 2.13 |
What is the price of BBVA shares?
Over the past week, the price has changed by -4.37%, over one month by +18.55%, over three months by +21.24% and over the past year by +84.06%.
Is Banco Bilbao Viscaya a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BBVA is around 27.46 USD . This means that BBVA is currently undervalued and has a potential upside of +51.29% (Margin of Safety).
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 | 17.9 | -1.5% |
| Analysts Target Price | 17.9 | -1.5% |
| ValueRay Target Price | 29 | 59.6% |
Last update: 2025-08-29 04:32
BBVA Fundamental Data Overview
CCE Cash And Equivalents = 131.27b EUR (Cash And Short Term Investments, last quarter)
P/E Trailing = 8.8039
P/E Forward = 9.0662
P/S = 3.316
P/B = 1.5665
P/EG = 2.6676
Beta = 1.413
Revenue TTM = 45.03b EUR
EBIT TTM = 16.05b EUR
EBITDA TTM = 17.57b EUR
Long Term Debt = 71.80b EUR (from longTermDebt, last quarter)
Short Term Debt = 565.81b EUR (from totalCurrentLiabilities, last quarter)
Debt = 637.61b EUR (Calculated: Short Term 565.81b + Long Term 71.80b)
Net Debt = -1.29b EUR (from netDebt column, last quarter)
Enterprise Value = 595.65b EUR (89.31b + Debt 637.61b - CCE 131.27b)
Interest Coverage Ratio = 1.93 (Ebit TTM 16.05b / Interest Expense TTM 8.32b)
FCF Yield = -3.25% (FCF TTM -19.39b / Enterprise Value 595.65b)
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 = 69.00% ((Revenue TTM 45.03b - Cost of Revenue TTM 13.96b) / Revenue TTM)
Tobins Q-Ratio = 10.48 (Enterprise Value 595.65b / Book Value Of Equity 56.83b)
Interest Expense / Debt = 1.31% (Interest Expense 8.32b / Debt 637.61b)
Taxrate = 31.35% (from yearly Income Tax Expense: 4.83b / 15.40b)
NOPAT = 11.02b (EBIT 16.05b * (1 - 31.35%))
Current Ratio = 0.23 (Total Current Assets 131.27b / Total Current Liabilities 565.81b)
Debt / Equity = 11.22 (Debt 637.61b / last Quarter total Stockholder Equity 56.83b)
Debt / EBITDA = 36.29 (Net Debt -1.29b / EBITDA 17.57b)
Debt / FCF = -32.89 (Debt 637.61b / 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 = 12.65% (Ebit 16.05b / (Equity 55.11b + L.T.Debt 71.80b))
RoIC = 8.71% (NOPAT 11.02b / Invested Capital 126.50b)
WACC = 1.89% (E(89.31b)/V(726.92b) * Re(9.01%)) + (D(637.61b)/V(726.92b) * Rd(1.31%) * (1-Tc(0.31)))
Shares Correlation 5-Years: -70.0 | Cagr: -3.69%
Discount Rate = 9.01% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -19.39b)
Revenue Correlation: 28.21 | Revenue CAGR: -8.54%
Rev Growth-of-Growth: 31.72
EPS Correlation: 92.67 | EPS CAGR: 21.33%
EPS Growth-of-Growth: -10.88
Additional Sources for BBVA Stock
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Fund Manager Positions: Dataroma | Stockcircle