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BANCO BILBAO VIZCAYA ARGENTA (1BBVA.MI) Stock Fundamental Analysis

BIT:1BBVA - Euronext Milan - ES0113211835 - Common Stock - Currency: EUR

13.98  +0.81 (+6.15%)

Fundamental Rating

4

Overall 1BBVA gets a fundamental rating of 4 out of 10. We evaluated 1BBVA against 99 industry peers in the Banks industry. 1BBVA may be in some trouble as it scores bad on both profitability and health. 1BBVA has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

1BBVA had positive earnings in the past year.
In the past year 1BBVA has reported a negative cash flow from operations.
In the past 5 years 1BBVA has always been profitable.
In multiple years 1BBVA reported negative operating cash flow during the last 5 years.
1BBVA.MI Yearly Net Income VS EBIT VS OCF VS FCF1BBVA.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B -20B 30B

1.2 Ratios

With a decent Return On Assets value of 1.25%, 1BBVA is doing good in the industry, outperforming 78.49% of the companies in the same industry.
1BBVA has a Return On Equity of 17.37%. This is amongst the best in the industry. 1BBVA outperforms 83.87% of its industry peers.
Industry RankSector Rank
ROA 1.25%
ROE 17.37%
ROIC N/A
ROA(3y)1.03%
ROA(5y)0.78%
ROE(3y)15.03%
ROE(5y)11.56%
ROIC(3y)N/A
ROIC(5y)N/A
1BBVA.MI Yearly ROA, ROE, ROIC1BBVA.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

1BBVA's Profit Margin of 20.62% is in line compared to the rest of the industry. 1BBVA outperforms 46.24% of its industry peers.
1BBVA's Profit Margin has improved in the last couple of years.
1BBVA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 20.62%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.49%
PM growth 5Y10.24%
GM growth 3YN/A
GM growth 5YN/A
1BBVA.MI Yearly Profit, Operating, Gross Margins1BBVA.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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2

2. Health

2.1 Basic Checks

1BBVA does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, 1BBVA has less shares outstanding
Compared to 5 years ago, 1BBVA has less shares outstanding
Compared to 1 year ago, 1BBVA has an improved debt to assets ratio.
1BBVA.MI Yearly Shares Outstanding1BBVA.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B
1BBVA.MI Yearly Total Debt VS Total Assets1BBVA.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B

2.2 Solvency

1BBVA has a Debt/Equity ratio of 1.75. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.75, 1BBVA is in line with its industry, outperforming 55.91% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.75
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.39%
1BBVA.MI Yearly LT Debt VS Equity VS FCF1BBVA.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B 60B 80B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1BBVA.MI Yearly Current Assets VS Current Liabilites1BBVA.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 32.81% over the past year.
Measured over the past years, 1BBVA shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.83% on average per year.
Looking at the last year, 1BBVA shows a quite strong growth in Revenue. The Revenue has grown by 18.53% in the last year.
The Revenue has been growing by 11.07% on average over the past years. This is quite good.
EPS 1Y (TTM)32.81%
EPS 3Y33.16%
EPS 5Y20.83%
EPS Q2Q%24.24%
Revenue 1Y (TTM)18.53%
Revenue growth 3Y19.7%
Revenue growth 5Y11.07%
Sales Q2Q%29.38%

3.2 Future

The Earnings Per Share is expected to grow by 1.09% on average over the next years.
Based on estimates for the next years, 1BBVA will show a small growth in Revenue. The Revenue will grow by 0.30% on average per year.
EPS Next Y-5.28%
EPS Next 2Y-1.31%
EPS Next 3Y0.42%
EPS Next 5Y1.09%
Revenue Next Year2.59%
Revenue Next 2Y2.62%
Revenue Next 3Y3.03%
Revenue Next 5Y0.3%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
1BBVA.MI Yearly Revenue VS Estimates1BBVA.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10B 20B 30B 40B
1BBVA.MI Yearly EPS VS Estimates1BBVA.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.5 1 1.5

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 8.22 indicates a reasonable valuation of 1BBVA.
Based on the Price/Earnings ratio, 1BBVA is valued a bit cheaper than the industry average as 65.59% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 29.35, 1BBVA is valued rather cheaply.
The Price/Forward Earnings ratio is 8.68, which indicates a very decent valuation of 1BBVA.
Based on the Price/Forward Earnings ratio, 1BBVA is valued a bit cheaper than 76.34% of the companies in the same industry.
1BBVA's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.10.
Industry RankSector Rank
PE 8.22
Fwd PE 8.68
1BBVA.MI Price Earnings VS Forward Price Earnings1BBVA.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1BBVA.MI Per share data1BBVA.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 6 8

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.39
EPS Next 2Y-1.31%
EPS Next 3Y0.42%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.32%, 1BBVA is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.06, 1BBVA has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.33, 1BBVA pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.32%

5.2 History

On average, the dividend of 1BBVA grows each year by 15.86%, which is quite nice.
Dividend Growth(5Y)15.86%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

1BBVA pays out 40.48% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of 1BBVA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP40.48%
EPS Next 2Y-1.31%
EPS Next 3Y0.42%
1BBVA.MI Yearly Income VS Free CF VS Dividend1BBVA.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B -20B 30B
1BBVA.MI Dividend Payout.1BBVA.MI Dividend Payout, showing the Payout Ratio.1BBVA.MI Dividend Payout.PayoutRetained Earnings

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BANCO BILBAO VIZCAYA ARGENTA

BIT:1BBVA (3/7/2025, 7:00:00 PM)

13.98

+0.81 (+6.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30 2025-01-30/bmo
Earnings (Next)04-29 2025-04-29
Inst Owners33.58%
Inst Owner ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap80.48B
Analysts76.8
Price Target12.62 (-9.73%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.32%
Yearly Dividend0.68
Dividend Growth(5Y)15.86%
DP40.48%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.83%
Min EPS beat(2)5.97%
Max EPS beat(2)11.69%
EPS beat(4)4
Avg EPS beat(4)8.52%
Min EPS beat(4)5.97%
Max EPS beat(4)11.69%
EPS beat(8)6
Avg EPS beat(8)4.73%
EPS beat(12)10
Avg EPS beat(12)24.63%
EPS beat(16)14
Avg EPS beat(16)26.37%
Revenue beat(2)1
Avg Revenue beat(2)3.59%
Min Revenue beat(2)-0.83%
Max Revenue beat(2)8.01%
Revenue beat(4)3
Avg Revenue beat(4)3.35%
Min Revenue beat(4)-0.83%
Max Revenue beat(4)8.01%
Revenue beat(8)7
Avg Revenue beat(8)6.96%
Revenue beat(12)11
Avg Revenue beat(12)16.34%
Revenue beat(16)15
Avg Revenue beat(16)20.4%
PT rev (1m)8%
PT rev (3m)10.8%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.76%
EPS NY rev (1m)3.89%
EPS NY rev (3m)6.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.97%
Revenue NY rev (1m)5.69%
Revenue NY rev (3m)6.46%
Valuation
Industry RankSector Rank
PE 8.22
Fwd PE 8.68
P/S 1.72
P/FCF N/A
P/OCF N/A
P/B 1.45
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)1.7
EY12.16%
EPS(NY)1.61
Fwd EY11.52%
FCF(TTM)-3.51
FCFYN/A
OCF(TTM)-3.16
OCFYN/A
SpS8.14
BVpS9.67
TBVpS9.24
PEG (NY)N/A
PEG (5Y)0.39
Profitability
Industry RankSector Rank
ROA 1.25%
ROE 17.37%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.62%
GM N/A
FCFM N/A
ROA(3y)1.03%
ROA(5y)0.78%
ROE(3y)15.03%
ROE(5y)11.56%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.49%
PM growth 5Y10.24%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 1.75
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 131.18%
Cap/Sales 4.29%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC5.39%
ROIC/WACCN/A
Cap/Depr(3y)148.24%
Cap/Depr(5y)121.71%
Cap/Sales(3y)5.48%
Cap/Sales(5y)4.87%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)32.81%
EPS 3Y33.16%
EPS 5Y20.83%
EPS Q2Q%24.24%
EPS Next Y-5.28%
EPS Next 2Y-1.31%
EPS Next 3Y0.42%
EPS Next 5Y1.09%
Revenue 1Y (TTM)18.53%
Revenue growth 3Y19.7%
Revenue growth 5Y11.07%
Sales Q2Q%29.38%
Revenue Next Year2.59%
Revenue Next 2Y2.62%
Revenue Next 3Y3.03%
Revenue Next 5Y0.3%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-695.31%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-2422.88%
OCF growth 3YN/A
OCF growth 5YN/A