Bank of America Corporation (BAC) vs Banco Bilbao Viscaya Argentaria S.A. (BBVA)

Bank of America Corporation and Banco Bilbao Viscaya Argentaria S.A. are both Banks Diversified companies. Bank of America Corporation is the larger, with a market value of $343.4B against $139.2B — 2.5× the size. Banco Bilbao Viscaya Argentaria S.A. trades at the lower P/E: 10.9× against 11.8×. Banco Bilbao Viscaya Argentaria S.A. grew revenue faster over the last twelve months: 20.8% against −1.89%. Banco Bilbao Viscaya Argentaria S.A. has the higher net margin (26.8% vs 16.0%) and the higher return on invested capital (0.00% vs 0.00%). Both pay a dividend; Banco Bilbao Viscaya Argentaria S.A. yields more (4.37% vs 2.32%). Across the 18 metrics below, Banco Bilbao Viscaya Argentaria S.A. leads on 13 and Bank of America Corporation on 5.

Valuation

Metric BAC BBVA Banks Diversified median
P/E 11.76 10.91 11.69
P/S 1.84 3.05 2.57
P/B 1.30 2.06 1.53
Price to free cash flow 8.74 7.78 8.83
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.50% 9.16% 8.55%
Free cash flow yield 11.44% 12.86% 7.95%

Profitability

Metric BAC BBVA Banks Diversified median
Gross margin 62.61% 100.00% 67.14%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.03% 26.81% 18.44%
Free cash flow margin 21.55% 39.21% 0.00%
Return on equity 11.19% 18.09% 11.03%
Return on assets 0.90% 1.25% 0.80%
Return on invested capital 0.00% 0.00% 0.00%

Growth

Metric BAC BBVA Banks Diversified median
Revenue growth (TTM) (1.89%) 20.78% 5.49%
EPS growth (last fiscal year) 18.69% 9.34% 19.95%
Revenue growth, 5-year CAGR 15.36% 9.75% 14.34%
Net income growth, 5-year CAGR 12.02% 50.32% 10.77%

Health

Metric BAC BBVA Banks Diversified median
Debt to equity 1.07 0.00 1.10
Current ratio 0.82 0.24 0.89
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BAC BBVA Banks Diversified median
Dividend yield 2.32% 4.37% 2.29%
Payout ratio 0.28 0.48 0.27

Size

Metric BAC BBVA Banks Diversified median
Market cap 343.35b 139.24b 155.56b

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