Banco Bilbao Viscaya Argentaria S.A. (BBVA) vs UBS Group AG (UBS)

Banco Bilbao Viscaya Argentaria S.A. and UBS Group AG are both Banks Diversified companies. Banco Bilbao Viscaya Argentaria S.A. and UBS Group AG are of similar size ($157.5B and $149.9B). Banco Bilbao Viscaya Argentaria S.A. trades at the lower P/E: 13.1× against 16.2×. Banco Bilbao Viscaya Argentaria S.A. grew revenue faster over the last twelve months: 19.1% against −13.0%. Banco Bilbao Viscaya Argentaria S.A. has the higher net margin (26.8% vs 13.8%) and the lower return on invested capital (0.00% vs 3.60%). Both pay a dividend; Banco Bilbao Viscaya Argentaria S.A. yields more (7.09% vs 2.64%). Across the 20 metrics below, Banco Bilbao Viscaya Argentaria S.A. leads on 14 and UBS Group AG on 6.

Valuation

Metric BBVA UBS Banks Diversified median
P/E 13.12 16.17 13.67
P/S 3.57 2.22 2.72
P/B 2.25 1.71 1.69
Price to free cash flow 4.53 12.94 4.53
EV/EBITDA n/m n/m —
EV/Sales 0.94 3.33 —
Earnings yield 7.62% 6.19% 7.33%
Free cash flow yield 22.07% 7.73% 7.63%

Profitability

Metric BBVA UBS Banks Diversified median
Gross margin 100.00% 73.15% 67.18%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.82% 13.80% 18.44%
Free cash flow margin 78.73% 17.15% 1.96%
Return on equity 17.50% 10.63% 11.14%
Return on assets 1.25% 0.56% 0.74%
Return on invested capital 0.00% 3.60% 0.00%

Growth

Metric BBVA UBS Banks Diversified median
Revenue growth (TTM) 19.14% (13.04%) 4.67%
EPS growth (last fiscal year) 9.34% 55.26% —
Revenue growth, 5-year CAGR 9.75% 16.13% 14.34%
Net income growth, 5-year CAGR 50.32% 3.45% 10.77%

Health

Metric BBVA UBS Banks Diversified median
Debt to equity 1.77 3.84 1.39
Current ratio 1.06 1.10 0.87
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BBVA UBS Banks Diversified median
Dividend yield 7.09% 2.64% 3.80%
Payout ratio 0.37 0.05 0.31

Size

Metric BBVA UBS Banks Diversified median
Market cap 157.54b 149.93b 186.46b

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