Sunday 11 October 2026 Export all BBVA data to Excel Powerpack

Banco Bilbao Viscaya Argentaria S.A.

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. In the quarter to June 2026, revenue grew 23.5%, EPS grew 19.2% and free cash flow grew 439.4%, each against the same quarter a year earlier. Revenue growth for three consecutive years.

26.12 0.05 −0.19%

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Market cap: $142.2B
P/E: 11.9×
Fwd P/E: 7.7×
Dividend yield: 5.70%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 6.01%

Capital & Financial Ratios $m

Market Cap 142,200.00

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 11.87

Fwd P/E 7.66

P/S ratio 3.23

P/B ratio 2.03

Past 5Y EPS Growth 65.56%

This Y EPS Growth 13.60%

Next Y EPS Growth 13.93%

Next Y revenue growth (7.87%)

Next 5Y EPS Growth 12.57%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 71.47%

10-year low 10-year high

P/S against its own 10 years 95.79%

10-year low 10-year high

P/B against its own 10 years 97.53%

10-year low 10-year high

Dividends

Payout Ratio 0.68

Annual Dividend Rate 1.49

Annual Dividend Yield 5.70%

	total	individual payouts
2026	1.12	0.70 0.42
2025	0.83	0.46 0.37
2024	0.73	0.42 0.32
2023	0.51	0.34 0.17
2022	0.37	0.25 0.12
2021	0.16	0.07 0.09
2020	0.17	0.17
2019	0.29	0.18 0.11
2018	0.30	0.18 0.12
2017	0.33	0.08 0.14 0.11
2016	0.41	0.09 0.15 0.09 0.09

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	234,271	173,237	205,940	254,294
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	669,649	173,237	205,940	898,342

	2023	2024	2025	Q'26
Payables	512,832	632,313	745,139	694,597
ST’ Debt	—	—	—	—
Other	146,126	109,880	124,832	154,829
	659,908	742,815	871,645	851,385

Compound Annual Growth %

	10y	5y	3y
Sales	4.88%	9.75%	16.80%
Cash Flow	(4.07%)	(17.74%)	(12.16%)
Earnings	14.58%	50.32%	17.94%
Book Value	1.28%	4.12%	9.45%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	12,467	12,215	—	—	—
’25	9,822	9,888	10,641	11,433	41,783
’24	8,923	9,935	9,585	9,951	38,395
’23	7,469	7,839	8,660	8,005	31,973
’22	7,259	6,486	6,905	5,573	26,223
’21	6,214	6,150	6,285	6,275	24,923
’20	7,152	6,123	6,619	6,349	26,243

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(11,423)	26,522	—	—	—
’25	165	(7,213)	19,861	4,121	16,935
’24	(210)	(28,972)	16,547	(7,049)	(19,683)
’23	932	(8,181)	(4,672)	12,073	(780)
’22	3,764	21,796	29,950	24,989	24,989
’21	(10,814)	(1,648)	15,300	(1,469)	(1,469)
’20	—	30,119	24,954	44,948	44,948

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(11,938)	25,954	—	—	—
’25	(159)	(7,648)	19,329	3,464	14,985
’24	(651)	(29,480)	15,993	(7,608)	(21,747)
’23	932	(9,021)	(5,408)	11,779	(2,649)
’22	3,764	19,967	29,950	22,447	22,447
’21	(10,963)	(1,814)	15,300	(2,496)	(2,496)
’20	—	29,825	24,954	44,303	44,303

Fiscal quarters ending in the months shown.

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

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	5.14	6.34	4.99	4.62	2.49	4.53	3.93	6.15	8.63	9.44	Analyst estimates 2026–2028 Powerpack
	High	7.67	9.35	9.54	6.44	5.80	7.26	6.97	9.52	12.20	23.59
People
People	Employees	134,792	131,856	125,627	126,973	123,174	110,432	115,675	121,486	125,916	127,174
	Revenue/emp, $m	0.20	0.22	0.22	0.22	0.21	0.23	0.23	0.26	0.30	0.33
Income, $m
Income, $m	Revenue	27,281	28,563	28,046	27,486	26,243	24,923	26,223	31,973	38,395	41,783
	Gross margin, %	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00
	EBT	7,073	7,834	9,975	7,166	5,969	9,749	11,052	13,441	16,670	18,359
	EBT margin, %	25.93	27.43	35.57	26.07	22.74	39.12	42.15	42.04	43.42	43.94
	Net income	5,193	5,382	7,264	4,866	2,353	6,647	7,193	9,109	11,443	12,588
	Depreciation	1,578	1,568	1,427	1,791	1,471	1,460	1,399	1,518	1,659	1,721
Per share, $
Per share, $	Revenue	3.93	4.30	4.21	3.68	2.82	3.59	4.24	5.37	6.66	7.27
	Earnings	0.55	0.54	0.88	0.53	0.16	0.79	1.04	1.40	1.82	1.99
	Cash flow	1.05	0.35	1.53	(1.23)	4.82	(0.21)	4.04	(0.13)	(3.41)	2.95
	Capex	(0.18)	(0.14)	(0.14)	(0.19)	(0.07)	(0.15)	(0.41)	(0.31)	(0.36)	(0.34)
	Free cash flow	0.87	0.21	1.40	(1.42)	4.75	(0.36)	3.63	(0.44)	(3.77)	2.61
	Book value	8.83	9.07	9.36	8.23	6.13	8.31	8.62	10.05	11.26	12.16
	Shares, m	6,950	6,642	6,668	7,472	9,323	6,945	6,189	5,954	5,769	5,748
Valuation, ×
Valuation, ×	P/E	12.32	13.56	6.15	10.73	29.06	7.43	5.77	6.62	5.37	11.83
	P/S	1.76	2.19	1.26	1.52	1.75	1.64	1.46	1.71	1.46	3.21
	P/B	0.78	0.95	0.57	0.68	0.81	0.71	0.72	0.92	0.86	1.92
	EV/Sales	0.19	0.82	(1.85)	(1.87)	(3.12)	(4.80)	(3.97)	(3.29)	(0.97)	0.23
	EV/FCF	0.86	2.71	20.21	1.56	(0.94)	193.34	(1.39)	24.68	1.71	0.64
Cash, $m
Cash, $m	Operating cash flow	7,329	2,323	10,232	(9,200)	44,948	(1,469)	24,989	(780)	(19,683)	16,935
	Capex	(1,286)	(930)	(902)	(1,402)	(645)	(1,027)	(2,542)	(1,869)	(2,064)	(1,949)
	Free cash flow	6,043	1,393	9,330	(10,602)	44,303	(2,496)	22,447	(2,649)	(21,747)	14,985
Balance, $m
Balance, $m	Working capital	25,420	24,221	51,665	52,315	(24,465)	(2,953)	2,278	9,742	(569,579)	(665,706)
	Total debt	84,517	72,243	72,173	71,639	70,571	65,973	58,400	74,362	75,603	92,596
	Net debt	(42,730)	(49,123)	(102,984)	(92,991)	(127,934)	(160,344)	(142,234)	(159,910)	(97,634)	(113,344)
	Shareholders’ equity	61,337	60,271	62,444	61,516	57,138	57,688	53,328	59,813	64,941	69,918
Returns, %
Returns, %	ROA	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
	ROE	6.26	6.54	10.25	6.35	2.51	9.59	12.57	15.34	17.44	16.97

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
MUFG Mitsubishi UFJ Financial Group, Inc.	$253.0B	17.4×	—	+21.62% (above 0%: growing)	+32.35% (above 0%: growing)	−145.30% (below 0%: shrinking)	61.56%	0.00%	Compare
WFC Wells Fargo & Company	$248.1B	12.1×	11.7×	+10.37% (above 0%: growing)	+25.47% (above 0%: growing)	+160.40% (above 0%: growing)	67.35%	0.00%	Compare
C Citigroup Inc.	$214.9B	13.9×	12.2×	+6.97% (above 0%: growing)	+56.72% (above 0%: growing)	+33.24% (above 0%: growing)	54.67%	0.00%	Compare
SAN Banco Santander, S.A.	$196.1B	10.9×	10.1×	+4.44% (above 0%: growing)	+8.00% (above 0%: growing)	−105.65% (below 0%: shrinking)	100.00%	0.00%	Compare
UBS UBS Group AG	$144.1B	15.7×	14.4×	−40.29% (below 0%: shrinking)	+21.33% (above 0%: growing)	−53.01% (below 0%: shrinking)	100.00%	0.00%	Compare
BBVA Banco Bilbao Viscaya Argentaria S.A.	$142.2B	11.9×	7.7×	+23.54% (above 0%: growing)	+19.23% (above 0%: growing)	+439.38% (above 0%: growing)	100.00%	0.00%
BNY BNY	$97.4B	16.5×	16.3×	−2.25% (below 0%: shrinking)	+26.67% (above 0%: growing)	+7.45% (above 0%: growing)	55.91%	0.00%	Compare
ING ING Group, N.V.	$94.0B	14.1×	6.6×	+29.83% (above 0%: growing)	+14.75% (above 0%: growing)	−26.97% (below 0%: shrinking)	100.00%	0.00%	Compare
BCS Barclays PLC	$76.6B	8.6×	8.8×	+16.58% (above 0%: growing)	+45.16% (above 0%: growing)	−13.85% (below 0%: shrinking)	100.00%	0.00%	Compare
Median of peers	$170.1B	14.0×	11.7×	+8.67%	+26.07%	−20.41%	83.68%	0.00%

All 14 Banks Diversified stocks →

Banco Bilbao Viscaya Argentaria S.A. (BBVA) key facts

Strength: 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.
Banco Bilbao Viscaya Argentaria S.A. (BBVA) is a Banks Diversified company in the Financial sector, traded in the US as an ADR.
As of October 9, 2026, BBVA traded at $26.12, a market capitalization of $142.2 billion.
Banco Bilbao Viscaya Argentaria S.A. pays an annual dividend of $1.49 per share, a yield of 5.70%, with a payout ratio of 67.7%.
Return on equity was 17.0% and debt-to-equity 1.77.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.