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Banco Bilbao Viscaya Argentaria S.A. BBVA

Financial — Banks Diversified

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Insider Decisions

in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership
4.80%

Capital & Financial Ratios

Market Cap
158,850.00
Revenue
46,755.66
Net Income
13,527.58
Free Cash Flow
36,808.50
Net Debt
(122,949.70)
Current Ratio
1.06
Debt/Equity
1.77
P/E ratio
13.10
P/S ratio
3.56
P/B ratio
2.25
Past 5Y EPS Growth
28.33%
This Y EPS Growth
14.11%
Next Y EPS Growth
14.11%
Next 5Y EPS Growth
12.82%
in millions of $

Dividends

Payout Ratio
0.37
Annual Dividend Rate
0.46
Annual Dividend Yield
7.09%
total individual payouts
2026 0.71
—
2025 0.83
—
—
2024 0.73
—
—
2023 0.51
—
—
2022 0.37
—
—
2021 0.16
—
—
2020 0.17
—
2019 0.29
—
—
2018 0.30
—
—
2017 0.33
—
—
—
2016 0.41
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 234,271.40 173,236.60 205,939.70 254,294.10
Receivables — — — —
Inventory — — — —
Other — — — —
669,649.30 173,236.60 205,939.70 898,341.60
2023 2024 2025 Q'26
Payables 512,831.60 632,313.30 745,138.90 694,596.90
ST’ Debt — — — —
Other 146,125.60 109,879.70 124,831.90 154,828.60
659,907.50 742,815.10 871,645.30 851,384.70
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 12,467.10 12,215.33 — —
—
’25 9,821.78 9,887.59 10,640.50 11,432.73
41,782.60
’24 8,923.37 9,935.48 9,585.21 9,951.01
38,395.07
’23 7,468.72 7,838.89 8,660.40 8,005.30
31,973.30
’22 7,258.68 6,486.30 6,905.36 5,572.71
26,223.05
’21 6,213.66 6,149.81 6,285.14 6,274.58
24,923.19
’20 7,152.05 6,123.22 6,618.88 6,349.06
26,243.20
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 (11,423.10) 26,521.92 — —
—
’25 165.40 (7,212.72) 19,860.80 4,121.31
16,934.79
’24 (209.54) (28,972.30) 16,547.44 (7,049.00)
(19,683.40)
’23 931.52 (8,181.27) (4,671.65) 12,072.58
(780.34)
’22 3,764.44 21,795.88 29,949.51 24,989.29
24,989.29
’21 (10,814.23) (1,648.05) 15,300.00 (1,469.41)
(1,469.41)
’20 — 30,119.49 24,954.12 44,948.36
44,948.36
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 (11,938.08) 25,954.42 — —
—
’25 (159.08) (7,647.69) 19,328.62 3,463.54
14,985.39
’24 (651.42) (29,480.25) 15,993.01 (7,608.31)
(21,746.96)
’23 931.52 (9,020.88) (5,408.04) 11,779.45
(2,649.47)
’22 3,764.44 19,966.52 29,949.51 22,446.95
22,446.95
’21 (10,962.52) (1,814.24) 15,300.00 (2,496.34)
(2,496.34)
’20 — 29,825.50 24,954.12 44,302.96
44,302.96
in millions of $

EPS

Mar Jun Sep Dec Year
’26 0.60 0.62 — —
—
’25 0.47 0.52 0.49 0.49
1.99
’24 0.39 0.51 0.48 0.43
1.82
’23 0.31 0.36 0.36 0.36
1.40
’22 0.27 0.27 0.28 0.25
1.04
’21 0.21 0.11 0.24 0.23
0.79
’20 (0.32) 0.09 0.19 0.21
0.16

Target Price Range

High
‡‡‡‡‡
‡‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡‡

Recommendation Rating

2.8
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 3.93 6.15 8.63 9.44 — — —
Low Price
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡ ‡‡‡‡ 6.97 9.52 12.20 23.59 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 115,675 121,486 125,916 127,174 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.23 0.26 0.30 0.33 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 26,223.05 31,973.30 38,395.07 41,782.60 — — —
Revenue
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ 100.00% 100.00% 100.00% 100.00% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 11,052.26 13,441.08 16,669.75 18,359.23 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 42.15% 42.04% 43.42% 43.94% — — —
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 7,192.93 9,108.64 11,443.21 12,587.96 — — —
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,399.18 1,518.47 1,658.86 1,720.86 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.24 5.37 6.66 7.27 — — —
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 1.04 1.40 1.82 1.99 — — —
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.04 (0.13) (3.41) 2.95 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.41) (0.31) (0.36) (0.34) — — —
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.63 (0.44) (3.77) 2.61 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8.62 10.05 11.26 12.16 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6,189.00 5,954.00 5,769.00 5,748.00 — — —
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.77 6.62 5.37 11.83 — — —
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.46 1.71 1.46 3.21 — — —
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.72 0.92 0.86 1.92 — — —
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (1.27) 0.18 1.91 2.88 — — —
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.45) (1.32) (3.38) 8.03 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 24,989.29 (780.34) (19,683.40) 16,934.79 — — —
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (2,542.34) (1,869.13) (2,063.56) (1,949.40) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 22,446.95 (2,649.47) (21,746.96) 14,985.39 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,277.90 9,741.80 (569,578.50) (665,705.60) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 129,052.13 74,361.59 75,603.08 92,596.04 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (71,581.77) (159,909.81) (97,633.52) (113,343.66) — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 53,327.96 59,813.31 64,941.15 69,918.26 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.91% 1.09% 1.30% 1.27% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡ 0.00% 0.00% 0.00% 0.00% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 12.57% 15.34% 17.44% 16.97% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Banco Bilbao Vizcaya Argentaria (BBVA) has staged a impressive post-COVID recovery, leveraging higher-for-longer interest rates in Europe and Latin America to drive record earnings, with revenue climbing at a 4.4% CAGR to €38.4 billion in 2024 and ROE surging to 17.4%—well above European banking peers. Its dominant Mexican franchise (via BBVA Bancomer) has fueled much of this growth amid nearshoring tailwinds, while efficiency gains pushed revenue per employee to €304,926 and EBT margins to 43.4%. Yet, as a risk-averse observer, I note the balance sheet’s strength, with expanding shareholders’ equity to €64.9 billion and negative net debt signaling ample liquidity buffers against LatAm volatility.

Cash flow remains BBVA’s soft spot, swinging wildly from €44.9 billion in 2020 to -€19.7 billion in 2024 due to working capital swings tied to loan expansion— a cyclical banking hallmark that tempers enthusiasm despite solid ROA and undervalued multiples (PE at 5.4x, PB at 0.86x). Analyst targets imply 13% upside from recent levels, supported by projected 9-10% revenue and EBT growth in 2025, but downside risks loom from ECB rate cuts compressing NIMs, regulatory hurdles post the failed Sabadell bid, and geopolitical tremors in Mexico and Argentina.

Trading at a discount to its earnings power, BBVA offers appeal for steady performers, but volatile cash flows and macro headwinds warrant a cautious hold-to-buy on dips. The full analysis delves deeper into these trends, valuations, and execution risks to assess if the upside justifies the uncertainties.

Read full commentary →

Banco Bilbao Viscaya Argentaria S.A. (BBVA) Latest News

News by impact score

Fine-tune

28 Aug

3 transcript www.marketbeat.com, 1:02 PM
BBVA Banco Frances Q2 earnings call highlights quarterly financial results, management commentary and performance metrics. Q2 earnings details provide performance data that can moderately shift investor views on BBVA trajectory.

30 Jul

4 transcript , 11:01 AM
BBVA posts record profit in Q2 2026 earnings call. Record profit signals strong performance likely to lift investor sentiment and share price.

4 dpa-international.com, 4:18 AM
BBVA reports €6 billion first-half profit and announces share buyback program. Strong earnings combined with share buyback constitute major capital return strategy likely to lift stock price and investor sentiment.

3 www.marketbeat.com, 6:04 AM
BBVA Q2 earnings call reported net interest income growth, stable loan volumes, cost controls and positive guidance for core markets including Spain and Mexico. Quarterly earnings updates supply fresh financial metrics that typically move near-term share price and analyst views but rarely shift long-term strategy.

17 Jul

3 , 9:08 PM
BBVA backs Veridas merger while questioning if the upside is already priced in. BBVA support for Veridas merger may moderately affect its fintech strategy and competitive positioning.

16 Jul

3 www.marketbeat.com, 9:02 PM
BBVA identifies growth risks from diverging economic conditions across Spain, Mexico and Turkey. Divergence across Spain Mexico and Turkey creates operational and growth risks for BBVA.

9 Jul

3 www.euronews.com, 9:30 AM
Spain's National Court opens trial against BBVA and former chairman in the Villarejo case. Trial opening creates legal and reputational risks that may influence short-term market sentiment without fundamentally altering long-term operations.

9 Jun

3 Zacks, 12:00 PM
BBVA receives buy rating upgrade with rationale centered on strategic positioning and growth prospects. Buy rating upgrade may lift near-term investor sentiment and share price.

1 Jun

3 www.retailbankerinternational.com, 7:40 AM
Yorkshire and Leeds building societies are weighing bids for Atom Bank. Bids for Atom Bank may influence BBVA's stake value and UK expansion plans.

20 May

3 Reuters, 7:41 AM
BBVA joins Euro stablecoin project as one of 25 new banks added to advance a digital euro currency initiative across Europe. BBVA entry into the Euro stablecoin project supports digital asset innovation with moderate effects on its European operations and positioning.

15 May

3 Simply Wall St., 4:22 PM
BBVA has posted strong multi-year returns followed by recent share price easing that raises questions on whether the stock remains undervalued. Valuation questions tied to multi-year returns and recent price easing can shift near-term investor sentiment without major strategic or operational changes.

12 May

4 Reuters, 7:00 AM
OpenAI grants European companies, including BBVA, access to its latest AI models to enhance operational resilience. BBVA's access to OpenAI's advanced AI models supports major strategic AI integration, boosting innovation and competitive positioning in banking.

6 May

4 GlobeNewswire, 11:00 AM
BBVA partners with Nasdaq Private Market to provide liquidity opportunities for high-growth private companies in Latin America. Strategic partnership expands BBVA's private market services in key LatAm region, enhancing revenue potential and competitive positioning.

5 May

4 Simply Wall St., 2:16 PM
BBVA assesses capital allocation strategies, balancing potential share buybacks against issuing new AT1 bonds to optimize funding and shareholder value. Strategic capital moves weighing buybacks against AT1 issuance could significantly alter BBVA's balance sheet strength, dividend capacity, and market valuation.

30 Apr

3 www.marketbeat.com, 5:27 AM
BBVA released Q1 earnings call highlights detailing financial results, strategic updates, and forward guidance. Q1 earnings highlights moderately influence BBVA's financial performance and investor sentiment without fundamentally altering long-term trajectory.

18 Apr

3 Simply Wall St., 5:04 PM
Analyst views on BBVA are diverging, shifting the bank's investment story amid changing street perspectives. Diverging analyst opinions signal potential shifts in investor sentiment and BBVA's market trajectory.

13 Apr

3 www.power-technology.com, 4:32 AM
Envision Energy and BBVA signed a $500 million vendor financing agreement. $500 million vendor financing deal with Envision Energy supports BBVA's growth in renewable energy financing but is limited relative to overall operations.

30 Mar

4 Simply Wall St., 1:08 PM
BBVA's board advances oversight enhancements and share buybacks amid a persistent valuation gap with peers. Board actions on oversight and buybacks directly address the valuation gap, potentially improving investor sentiment and market performance.

4 The Wall Street Journal, 1:37 AM
BBVA agrees to sell its Romanian banking operations to Raiffeisen Bank for $680 million to streamline its international portfolio. Divesting non-core Romanian operations for $680 million enables BBVA to refocus on primary markets and strengthen its balance sheet.

20 Mar

4 Simply Wall St., 11:07 PM
BBVA's investment narrative shifts with upgraded analyst price targets and an active share buyback program signaling stronger growth prospects. New analyst targets and buybacks represent major strategic actions likely to enhance BBVA's valuation and market sentiment significantly.

13 Mar

4 Simply Wall St., 8:17 PM
BBVA announces strategic plan shifting growth emphasis to Mexico, streamlining its portfolio, and addressing valuation concerns. Major strategic pivot toward Mexico growth and portfolio streamlining could significantly alter BBVA's trajectory and investor sentiment.

9 Mar

4 Simply Wall St., 5:11 AM
BBVA shares experience a pullback following the announcement of an AI alliance with OpenAI, prompting assessment of the bank's future outlook. OpenAI AI alliance marks a major strategic move enhancing BBVA's innovation and competitive positioning in banking.

3 Simply Wall St., 4:09 AM
BBVA expands sustainability-linked loans while continuing its share buyback program to balance ESG commitments with shareholder returns. Sustainability loan push and share buybacks moderately bolster financial performance and investor confidence without transformative shifts.

4 Mar

4 Business Wire, 5:17 PM
BBVA Argentina released its Fourth Quarter and Fiscal Year 2025 financial results. Quarterly and annual financial results directly shape investor sentiment, stock performance, and BBVA's strategic outlook.

3 Mar

4 www.ccn.com, 7:47 AM
Qivalis, a consortium of European banks including BBVA, targets a second-half 2026 launch for a MiCA-compliant euro stablecoin to enable instant payments and programmable money across Europe. BBVA's participation in Qivalis advances a regulated euro stablecoin launch by H2 2026, signaling major strategic expansion into digital assets and blockchain payments.

28 Feb

4 Simply Wall St., 1:15 PM
Banco Bilbao Vizcaya Argentaria (BBVA) posted record 2025 profits while continuing share buybacks, prompting a valuation review amid strong performance. Record profits and ongoing buybacks strengthen BBVA's financials, boost shareholder value, and positively shift investor sentiment and market trajectory.

27 Feb

4 , 7:01 AM
Banco Bilbao Vizcaya Argentaria (BBVA) reported 2025 profits driven by double-digit loan growth and customer expansion. Double-digit loan growth and customer expansion drive strong profits, significantly boosting BBVA's financial trajectory and investor sentiment.

15 Feb

4 Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St., 6:15 AM
BBVA's annual general meeting tests shareholder approval for €8 billion in contingent convertible bonds (CoCos) and a 10% share buyback program. €8b CoCos and 10% buyback approval would bolster capital structure and deliver substantial shareholder returns, significantly influencing BBVA's market performance and investor sentiment.

13 Feb

3 The Wall Street Journal, 12:25 PM
Banco Bilbao Viscaya Argentaria S.A. (BBVA) is highlighted in a roundup of financial services, discussing market trends and potential impacts on the banking sector. Analysts are focusing on BBVA's strategic initiatives and market positioning amidst evolving economic conditions. The article emphasizes the importance of monitoring BBVA's performance in relation to broader market dynamics and competitor actions. Moderate influence is expected due to strategic initiatives and market positioning that may affect BBVA's competitive landscape.

11 Feb

4 transcript GuruFocus.com, 8:02 PM
Banco Bilbao Vizcaya Argentaria Colombia SA reported its Q4 2025 earnings, highlighting key financial metrics and strategic initiatives. The bank demonstrated growth in net income and improved efficiency ratios, driven by increased lending and cost management efforts. Management provided insights into future growth strategies and market conditions, emphasizing a focus on digital transformation and customer experience enhancements. The earnings call also addressed challenges in the economic environment and regulatory landscape, outlining the bank's approach to navigating these factors. Significant strategic initiatives and growth in net income indicate a strong potential for future performance.
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