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