BANCO BILBAO VIZCAYA ARGENTA(BIT:1BBVA) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to 1BBVA. 1BBVA was compared to 95 industry peers in the Banks industry. There are concerns on the financial health of 1BBVA while its profitability can be described as average. 1BBVA is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year 1BBVA was profitable.

1BBVA had a negative operating cash flow in the past year.

Each year in the past 5 years 1BBVA has been profitable.

The reported operating cash flow has been mixed in the past 5 years: 1BBVA reported negative operating cash flow in multiple years.

1.2 Ratios

The Return On Assets of 1BBVA (1.25%) is better than 82.11% of its industry peers.

The Return On Equity of 1BBVA (17.37%) is better than 88.42% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

The Profit Margin of 1BBVA (20.62%) is comparable to the rest of the industry.

1BBVA's Profit Margin has improved in the last couple of years.

The Operating Margin and Gross Margin are not available for 1BBVA so they could not be analyzed.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

1BBVA does not have a ROIC to compare to the WACC, probably because it is not profitable.

1BBVA has less shares outstanding than it did 1 year ago.

The number of shares outstanding for 1BBVA has been reduced compared to 5 years ago.

The debt/assets ratio for 1BBVA has been reduced compared to a year ago.

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 58.95% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	1.75
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.36%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

1BBVA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 32.81%, which is quite impressive.

The Earnings Per Share has been growing by 20.83% on average over the past years. This is a very strong growth

Looking at the last year, 1BBVA shows a quite strong growth in Revenue. The Revenue has grown by 18.53% in the last year.

Measured over the past years, 1BBVA shows a quite strong growth in Revenue. The Revenue has been growing by 11.07% on average per year.

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

Based on estimates for the next years, 1BBVA will show a small growth in Earnings Per Share. The EPS will grow by 2.48% on average per year.

1BBVA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.19% yearly.

EPS Next Y-1.6%

EPS Next 2Y0.81%

EPS Next 3Y2%

EPS Next 5Y2.48%

Revenue Next Year3.61%

Revenue Next 2Y2.97%

Revenue Next 3Y3.08%

Revenue Next 5Y1.19%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.33, the valuation of 1BBVA can be described as very cheap.

76.84% of the companies in the same industry are more expensive than 1BBVA, based on the Price/Earnings ratio.

1BBVA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.79.

The Price/Forward Earnings ratio is 7.45, which indicates a rather cheap valuation of 1BBVA.

1BBVA's Price/Forward Earnings ratio is rather cheap when compared to the industry. 1BBVA is cheaper than 84.21% of the companies in the same industry.

1BBVA is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.38, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	7.33
Fwd PE	7.45

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.35

EPS Next 2Y0.81%

EPS Next 3Y2%

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5. Dividend

5.1 Amount

1BBVA has a Yearly Dividend Yield of 4.63%, which is a nice return.

Compared to an average industry Dividend Yield of 5.50, 1BBVA is paying slightly less dividend.

1BBVA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.47.

		Industry Rank	Sector Rank
Dividend Yield	4.63%

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

40.48% of the earnings are spent on dividend by 1BBVA. 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 2Y0.81%

EPS Next 3Y2%

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BANCO BILBAO VIZCAYA ARGENTA

BIT:1BBVA (4/25/2025, 7:00:00 PM)

12.465

+0.54 (+4.48%)

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 Cap71.76B

Analysts76.15

Price Target12.84 (3.01%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.63%

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)1.71%

PT rev (3m)13.75%

EPS NQ rev (1m)0%

EPS NQ rev (3m)5.99%

EPS NY rev (1m)3.89%

EPS NY rev (3m)10.2%

Revenue NQ rev (1m)-0.35%

Revenue NQ rev (3m)5.23%

Revenue NY rev (1m)0.99%

Revenue NY rev (3m)6.74%

Valuation

		Industry Rank	Sector Rank
PE	7.33
Fwd PE	7.45
P/S	1.53
P/FCF	N/A
P/OCF	N/A
P/B	1.29
P/tB	1.35
EV/EBITDA	N/A

EPS(TTM)1.7

EY13.64%

EPS(NY)1.67

Fwd EY13.42%

FCF(TTM)-3.51

FCFYN/A

OCF(TTM)-3.16

OCFYN/A

SpS8.14

BVpS9.67

TBVpS9.24

PEG (NY)N/A

PEG (5Y)0.35

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC5.36%

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-1.6%

EPS Next 2Y0.81%

EPS Next 3Y2%

EPS Next 5Y2.48%

Revenue 1Y (TTM)18.53%

Revenue growth 3Y19.7%

Revenue growth 5Y11.07%

Sales Q2Q%29.38%

Revenue Next Year3.61%

Revenue Next 2Y2.97%

Revenue Next 3Y3.08%

Revenue Next 5Y1.19%

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

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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