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
+18.1%
EPS
+29.8%
Free cash flow
−91.7%

Quarter to September 2026, against a year earlier

25.60 0.13 +0.51%
Market cap
$139.2B
P/E
10.9×
Fwd P/E
7.7×
Dividend yield
4.37%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

Banco Bilbao Viscaya Argentaria S.A. (BBVA) Free cash flow margin

Alert me on Free cash flow margin

Banco Bilbao Viscaya Argentaria S.A.'s free cash flow margin over the twelve months to 30 September 2026 was 39.2%, up 3.3 percentage points from fiscal 2025 (35.9%). Over the past ten years it has ranged from −56.6% (fiscal 2024) to 168.8% (fiscal 2020); the current reading is higher than 73% of that period. That is above the Banks Diversified industry median of 0.00% and above the Financial sector median of 11.4%.

Free cash flow margin, annual

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Annual newest first

Period Free cash flow margin Change (points)
FY2025 35.9% 92.51
FY2024 −56.6% (48.35)
FY2023 −8.29% (93.89)
FY2022 85.6% 95.62
FY2021 −10.0% (178.84)
FY2020 168.8% 207.39
FY2019 −38.6% (71.84)
FY2018 33.3% 28.39
FY2017 4.88% (17.27)
FY2016 22.2% (65.95)

Against its own ten years

Low −56.6% High 168.8%
Ten-year median 22.2%
Current reading's percentile 73

Free cash flow margin against peers

Company Free cash flow margin
BBVA Banco Bilbao Viscaya Argentaria S.A. 39.2%
BNY BNY compare 17.8%
SAN Banco Santander, S.A. compare 4.17%
BCS Barclays PLC compare 0.00%
ING ING Group, N.V. compare 0.00%
MUFG Mitsubishi UFJ Financial Group, Inc. compare 0.00%
UBS UBS Group AG compare 0.00%
SMFG Sumitomo Mitsui Financial Group Inc compare 0.00%
C Citigroup Inc. compare 0.00%
Banks Diversified industry median 0.00%
Financial sector median 11.4%
Market median 0.00%

What Free cash flow margin is

Free Cash Flow Margin tells an investor how much of each sale turns into cash the company keeps after paying for investment in its assets.

(Operating Cash Flow + Property, Plant, Equipment Change (Net) + Intangible Assets Change (Net)) ÷ Revenue

The full definition of Free cash flow margin →

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