Saturday 31 October 2026
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Banco Bilbao Viscaya Argentaria S.A.
BBVA Financial Banks Diversified
Banco Bilbao Viscaya Argentaria S.A.’s revenue for fiscal 2025 (year ended December 2025) was $41.8 billion, up 8.82% from fiscal 2024.
- Revenue
- +23.5%
- EPS
- +19.2%
- Free cash flow
- +439.4%
Quarter to June 2026, against a year earlier
23.44
1.01
−4.13%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
7 | 7 | 5 | 3 | 4 | 5 | 8 | 5 | 5 | 6 |
P/E ratio |
12.32 | 13.56 | 6.15 | 10.73 | 29.06 | 7.43 | 5.77 | 6.62 | 5.37 | 11.83 |
P/S ratio |
1.76 | 2.19 | 1.26 | 1.52 | 1.75 | 1.64 | 1.46 | 1.71 | 1.46 | 3.21 |
P/FCF ratio |
7.94 | 7.22 | 0.00 | 0.00 | 0.53 | 0.00 | 0.51 | 0.00 | 0.00 | 8.94 |
P/Operating CF |
5.53 | 27.34 | (5.32) | (4.53) | 1.02 | (27.74) | 1.53 | 4.54 | (7.95) | 32.51 |
P/B ratio |
0.78 | 0.95 | 0.57 | 0.68 | 0.81 | 0.71 | 0.72 | 0.92 | 0.86 | 1.92 |
Price to Tangible BV |
0.95 | 1.14 | 0.67 | 0.78 | 0.85 | 0.74 | 0.75 | 0.96 | 0.90 | 2.01 |
EV/Sales |
0.19 | 0.82 | (1.85) | (1.87) | (3.12) | (4.80) | (3.97) | (3.29) | (0.97) | 0.23 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
0.71 | 2.18 | 56.55 | 1.76 | (0.90) | (87.39) | (1.29) | (695.40) | 1.89 | 0.56 |
EV/FCF |
0.86 | 2.71 | 20.21 | 1.56 | (0.94) | 193.34 | (1.39) | 24.68 | 1.71 | 0.64 |
Quick Ratio |
0.21 | 0.21 | 0.28 | 0.27 | 0.34 | 0.37 | 0.34 | 0.36 | 0.23 | 0.24 |
Current Ratio |
1.04 | 1.04 | 1.08 | 1.09 | 0.96 | 1.00 | 1.00 | 1.01 | 0.23 | 0.24 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
10.44% | 9.26% | 9.03% | 9.15% | 8.39% | 8.41% | 7.77% | 8.86% | 9.05% | 9.52% |
Debt/Equity |
1.38 | 1.20 | 1.16 | 1.16 | 1.24 | 1.14 | 1.10 | 1.24 | 1.16 | 1.32 |
Asset Turnover |
0.03 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.03 | 0.04 | 0.05 | 0.05 |
Operating CF/Net income |
1.91 | 0.58 | 1.63 | (2.34) | 30.15 | (0.27) | 3.58 | (0.09) | (1.81) | 1.48 |
Capex/Depreciation |
(0.81) | (0.59) | (0.63) | (0.78) | (0.44) | (0.70) | (1.82) | (1.23) | (1.24) | (1.13) |
| 6.26% | 6.54% | 10.25% | 6.35% | 2.51% | 9.59% | 12.57% | 15.34% | 17.44% | 16.97% | |
| 0.47% | 0.50% | 0.80% | 0.50% | 0.18% | 0.68% | 0.91% | 1.09% | 1.30% | 1.27% | |
ROIC |
37.89% | 74.36% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Return on Tangible Assets |
10.89% | 12.30% | 10.44% | 6.19% | (9.60%) | 96.90% | 60.75% | 43.93% | (1.95%) | (1.75%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
52.87% | 48.08% | 42.58% | 50.50% | 45.04% | 40.62% | 38.94% | 38.22% | 36.07% | 35.50% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
(2.20) | (1.64) | (2.10) | (1.55) | (4.84) | (2.85) | (2.58) | (2.01) | (10.66) | (5.20) |
Graham Number |
10.55 | 0.00 | 0.00 | 9.81 | 4.84 | 12.15 | 14.40 | 17.73 | 21.41 | 23.22 |
Earnings Yield |
8.12% | 7.38% | 16.26% | 9.32% | 3.44% | 13.46% | 17.34% | 15.11% | 18.62% | 8.45% |
Free Cash Flow Yield |
12.60% | 13.85% | (7.24%) | (78.96%) | 189.61% | (1.52%) | 196.23% | (7.78%) | (38.78%) | 11.18% |
Revenue per Share |
3.93 | 4.30 | 4.21 | 3.68 | 2.82 | 3.59 | 4.24 | 5.37 | 6.66 | 7.27 |
Operating CF per Share |
1.05 | 0.35 | 1.53 | (1.23) | 4.82 | (0.21) | 4.04 | (0.13) | (3.41) | 2.95 |
Capex per Share |
(0.18) | (0.14) | (0.14) | (0.19) | (0.07) | (0.15) | (0.41) | (0.31) | (0.36) | (0.34) |
Free Cash Flow per Share |
0.87 | 0.21 | 1.40 | (1.42) | 4.75 | (0.36) | 3.63 | (0.44) | (3.77) | 2.61 |
Cash per Share |
18.31 | 18.27 | 26.27 | 22.03 | 21.29 | 32.59 | 32.42 | 39.35 | 30.03 | 35.83 |
Shareholders Equity per Share |
8.83 | 9.07 | 9.36 | 8.23 | 6.13 | 8.31 | 8.62 | 10.05 | 11.26 | 12.16 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
8.83 | 9.07 | 9.36 | 8.23 | 6.13 | 8.31 | 8.62 | 10.05 | 11.26 | 12.16 |
Free Cash Flow |
6,043.14 | 1,392.53 | 9,329.90 | (10,601.92) | 44,302.96 | (2,496.34) | 22,446.95 | (2,649.47) | (21,746.96) | 14,985.39 |
Working Capital |
25,419.80 | 24,221.20 | 51,665.20 | 52,315.20 | (24,464.60) | (2,953.00) | 2,277.90 | 9,741.80 | (569,578.50) | (665,705.60) |
Capital Expenditures |
(1,285.87) | (930.24) | (902.28) | (1,402.24) | (645.40) | (1,026.93) | (2,542.34) | (1,869.13) | (2,063.56) | (1,949.40) |
Net Current Asset Value |
(105,638.30) | (110,588.60) | (65,949.40) | (64,525.40) | (222,774.70) | (116,195.80) | (98,663.30) | (109,923.80) | (597,638.50) | (696,666.30) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.05 | 0.03 | 0.03 | 0.05 | 0.02 | 0.04 | 0.10 | 0.06 | 0.05 | 0.05 |
Price to Operating Income |
4.25 | 5.14 | 2.64 | 3.53 | 3.62 | 3.06 | 2.61 | 3.00 | 2.45 | 5.31 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.16 | 0.19 | 0.17 | 0.16 | 0.16 | 0.17 | 0.15 | 0.15 | 0.16 | 0.16 |
Cash ROIC |
2.21% | 0.55% | 3.01% | (3.56%) | 13.58% | (0.71%) | 7.19% | (0.72%) | (6.93%) | 4.07% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
560,582.60 | 540,948.70 | 521,464.15 | 502,797.95 | 483,089.15 | 483,938.35 | 488,505.65 | 498,277.05 | 572,572.45 | 688,726.10 |
Average Assets |
821,379.25 | 794,922.80 | 789,571.70 | 790,851.25 | 811,733.35 | 812,596.60 | 767,811.80 | 795,375.35 | 837,601.30 | 904,170.25 |
Average Common Equity |
61,448.60 | 60,803.81 | 61,357.60 | 61,979.54 | 59,325.80 | 57,412.92 | 55,509.08 | 56,571.71 | 62,377.77 | 67,429.14 |
Columns are period end dates