Pricing Log in Create free account
Sunday 11 October 2026 Export all BBVA data to Excel Powerpack

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. 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%
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% (at or above 15%: strong)
This Y EPS Growth 13.60%
Next Y EPS Growth 13.93%
Next Y revenue growth (7.87%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

2.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

Banco Bilbao Viscaya Argentaria S.A. vs peers in Banks Diversified (Q) = latest quarter vs a year earlier

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.

Source: company filings (standardised) and stockrow calculations.

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

No news at this impact. Lower the threshold for more.
stockrow.com/BBVA · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com