Banco Bilbao Vizcaya Argentaria, S.A. BBVA FINANCIAL
Company Overview
Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides various financial services in Spain, Mexico, Turkey, South America, Europe, the United States, and Asia. The company offers traditional retail, wholesale, investment, and transaction banking. It also engages in financial, insurance, asset management, and capital markets businesses, as well as digital banking. The company was formerly known as Banco Bilbao Vizcaya, S.A. and changed its name to Banco Bilbao Vizcaya Argentaria, S.A. in January 2000. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.
Why Investors Should Care
Generates a return on equity of 18.9%, reflecting efficient use of shareholder capital.
Net profit has compounded at 18.2% per year over the last five years.
Revenue has grown at a 12.0% CAGR over the past five years.
Trades at an undemanding P/E of 13.4.
Maintains a net profit margin of 32.6%.
Offers a dividend yield of 3.68%.
Recent Developments
- Dec 2025 Revenue of $39.41B (+0.5% YoY); net profit $10.51B.
- Trailing 12 Months Year-on-year growth — revenue +20.2%, earnings +15.2%.
- 5-Year Trend Long-term compounding — revenue CAGR 12.0%, profit CAGR 18.2%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 11.99% |
| 1 Year: | 20.20% |
Compounded Profit Growth
| 5 Years: | 18.24% |
| 1 Year: | 15.20% |
Stock Price Performance
| 1 Year: | +64.31% |
| 6 Months: | +40.03% |
| 3 Months: | +30.93% |
| 1 Month: | +3.32% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)61.84 · Neutral
P/E of 13.37 is above the sector median of 12.89 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 32.6%.
- Compounding revenue at 12.0% over 5 years.
- Profit CAGR of 18.2% over 5 years.
- Attractive dividend yield of 3.68%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | BBVA Banco Bilbao Vizcaya Argentaria, S.A. FINANCIAL | 29.29 | 13.37 | $161.63B | 3.68% | - | 18.92% | 11.99% | 18.24% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|
| Revenue | - | 8.71B | 9.78B | 9.79B | 10.65B | 10.51B |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - |
| Interest Expense | 8.32B | - | 8.12B | - | - | - |
| Pretax Income | - | 4.08B | 3.87B | 3.93B | 4.72B | 4.86B |
| Tax Provision | - | 1.16B | 1.21B | 1.27B | 1.53B | 1.58B |
| Net Income | - | 2.75B | 2.53B | 2.53B | 2.99B | 3.06B |
| Diluted EPS | - | 0.46 | 0.42 | 0.42 | 0.51 | 0.53 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Revenue | 28.07B | 33.43B | 39.23B | 39.41B |
| Cost of Revenue | - | - | - | - |
| Gross Profit | - | - | - | - |
| Operating Expenses | - | - | - | - |
| Operating Income | - | - | - | - |
| EBITDA | - | - | - | - |
| Interest Expense | 12.31B | 24.76B | 36.39B | 32.06B |
| Pretax Income | 10.27B | 12.42B | 15.40B | 16.23B |
| Tax Provision | 3.50B | 4.00B | 4.83B | 5.10B |
| Net Income | 6.36B | 8.02B | 10.05B | 10.51B |
| Diluted EPS | 0.98 | 1.29 | 1.68 | 1.76 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 712.09B | 775.56B | 772.40B | 859.58B |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 84.25B | 81.26B | 59.88B | 69.89B |
| Inventory | - | - | - | - | - |
| Receivables | 19.52B | 25.99B | 25.10B | 31.69B | - |
| Total Liabilities | - | 661.57B | 720.29B | 712.39B | 797.78B |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | 58.72B | 72.69B | 74.46B | 87.84B |
| Total Debt | - | 60.12B | 74.19B | 75.93B | 89.30B |
| Total Equity | - | 46.90B | 51.70B | 55.65B | 57.35B |
| Shares Outstanding | - | 6.03B | 5.84B | 5.76B | 5.71B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Operating Cash Flow | 23.72B | -721.00M | -18.19B | 14.97B |
| Investing Cash Flow | -3.91B | -1.42B | -1.42B | -1.40B |
| Financing Cash Flow | -7.56B | -1.84B | -2.57B | -3.67B |
| Capital Expenditure | -2.44B | -1.82B | -2.01B | -1.81B |
| Free Cash Flow | 21.28B | -2.54B | -20.20B | 13.16B |
| Net Change in Cash | 12.24B | -3.98B | -22.18B | 9.89B |
Ratios (Annual)
Figures in %.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Gross Margin % | - | - | - | - |
| Operating Margin % | - | - | - | - |
| Net Margin % | 22.7% | 24.0% | 25.6% | 26.7% |
| ROE % | 13.6% | 15.5% | 18.1% | 18.3% |
| ROCE % | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Morgan Stanley | 0.24% | 13.13M | $372.43M |
| 2 | Fisher Asset Management, LLC | 0.21% | 11.57M | $327.99M |
| 3 | Goldman Sachs Group Inc | 0.21% | 11.93M | $338.45M |
| 4 | Dimensional Fund Advisors LP | 0.19% | 10.35M | $293.43M |
| 5 | FMR, LLC | 0.16% | 8.87M | $251.57M |
| 6 | Blackrock Inc. | 0.15% | 8.26M | $234.30M |
| 7 | Harding Loevner LP | 0.15% | 8.39M | $237.98M |
| 8 | Bank of America Corporation | 0.14% | 7.83M | $222.14M |
| 9 | Capital International Investors | 0.12% | 6.48M | $183.82M |
| 10 | Northern Trust Corporation | 0.12% | 6.73M | $190.77M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for BBVA
BBVA Stock And European Banks Facing A New Test From Political Risk - simplywall.st
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BBVA Raises $2.3 Billion in Senior Non‑Preferred Dollar Notes to Bolster Regulatory Funding - The Globe and Mail
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BBVA completes the extraordinary share buyback program launched in December 2025 for nearly €4 billion - bbva.com
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BBVA (BME:BBVA) Stock Trades Like A Bargain On Its 428% Run - finance.yahoo.com
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Why (BBVA) Price Action Is Critical for Tactical Trading - Stock Traders Daily
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BBVA : Other relevant information - The Company reports information relating to the execution of the share buyback program. (Share buy-back , stabilisation and treasury stock programmes) - marketscreener.com
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BBVA — Frequently Asked Questions
What is the current share price of Banco Bilbao Vizcaya Argentaria, S.A. (BBVA)?
As of 2026-09-19 21:16 PDT, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) trades at $29.29 on NYSE. Its 52-week range is $17.10 to $29.64.
What is the market capitalisation of BBVA?
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) has a market capitalisation of $161.63B on NYSE.
What is the P/E ratio of BBVA?
BBVA trades at a trailing price-to-earnings (P/E) ratio of 13.37. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 2.45.
Does BBVA pay a dividend?
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) currently offers a dividend yield of 3.68%.
What is the return on equity (ROE) of BBVA?
BBVA has a return on equity (ROE) of 18.92%.
Is BBVA a good stock to buy?
This page provides a data-driven analysis of Banco Bilbao Vizcaya Argentaria, S.A. (BBVA), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.