BANCO BILBAO VIZCAYA-SP ADR(NYSE:BBVA) stock Fundamental Analysis

Fundamental Rating

BBVA gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. While BBVA is still in line with the averages on profitability rating, there are concerns on its financial health. BBVA is not valued too expensively and it also shows a decent growth rate. BBVA also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year BBVA was profitable.

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

In the past 5 years BBVA has always been profitable.

In multiple years BBVA reported negative operating cash flow during the last 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.25%, BBVA belongs to the top of the industry, outperforming 81.41% of the companies in the same industry.

The Return On Equity of BBVA (17.37%) is better than 94.72% 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

BBVA's Profit Margin of 20.62% is in line compared to the rest of the industry. BBVA outperforms 40.20% of its industry peers.

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

BBVA does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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

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

Compared to 1 year ago, BBVA has less shares outstanding

BBVA has less shares outstanding than it did 5 years ago.

BBVA has a better debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 1.75 is on the high side and indicates that BBVA has dependencies on debt financing.

With a Debt to Equity ratio value of 1.75, BBVA is not doing good in the industry: 89.45% of the companies in the same industry are doing better.

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

ROIC/WACCN/A

WACC5.19%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 32.81% over the past year.

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

The Revenue has grown by 18.53% in the past year. This is quite good.

BBVA shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.07% yearly.

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

BBVA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.48% yearly.

Based on estimates for the next years, BBVA will show a small growth in Revenue. The Revenue will grow by 1.19% on average per year.

EPS Next Y-1.84%

EPS Next 2Y0.59%

EPS Next 3Y2.11%

EPS Next 5Y2.48%

Revenue Next Year2.59%

Revenue Next 2Y2.62%

Revenue Next 3Y3.03%

Revenue Next 5Y1.19%

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 6.98 indicates a rather cheap valuation of BBVA.

Compared to the rest of the industry, the Price/Earnings ratio of BBVA indicates a rather cheap valuation: BBVA is cheaper than 93.97% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 28.29. BBVA is valued rather cheaply when compared to this.

With a Price/Forward Earnings ratio of 7.11, the valuation of BBVA can be described as very cheap.

BBVA's Price/Forward Earnings ratio is rather cheap when compared to the industry. BBVA is cheaper than 90.70% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 21.08. BBVA is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	6.98
Fwd PE	7.11

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)0.34

EPS Next 2Y0.59%

EPS Next 3Y2.11%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.98%, BBVA is a good candidate for dividend investing.

BBVA's Dividend Yield is rather good when compared to the industry average which is at 3.78. BBVA pays more dividend than 80.90% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.57, BBVA pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.98%

5.2 History

The dividend of BBVA is nicely growing with an annual growth rate of 15.86%!

BBVA has paid a dividend for at least 10 years, which is a reliable track record.

BBVA has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)15.86%

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

40.48% of the earnings are spent on dividend by BBVA. This is a bit on the high side, but may be sustainable.

The dividend of BBVA is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP40.48%

EPS Next 2Y0.59%

EPS Next 3Y2.11%

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BANCO BILBAO VIZCAYA-SP ADR

NYSE:BBVA (4/17/2025, 8:04:00 PM)

After market: 13.48 0 (0%)

13.48

+0.05 (+0.37%)

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 Change0.02%

Ins Owners0.09%

Ins Owner ChangeN/A

Market Cap77.60B

Analysts76.15

Price Target13.98 (3.71%)

Short Float %0.04%

Short Ratio0.85

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.98%

Yearly Dividend0.77

Dividend Growth(5Y)15.86%

DP40.48%

Div Incr Years3

Div Non Decr Years3

Ex-Date04-09 2025-04-09 (0.443907)

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)6

Avg Revenue beat(8)2.74%

Revenue beat(12)10

Avg Revenue beat(12)13.52%

Revenue beat(16)14

Avg Revenue beat(16)18.28%

PT rev (1m)7.11%

PT rev (3m)18.14%

EPS NQ rev (1m)0%

EPS NQ rev (3m)5.69%

EPS NY rev (1m)3.64%

EPS NY rev (3m)9.61%

Revenue NQ rev (1m)-0.24%

Revenue NQ rev (3m)5.34%

Revenue NY rev (1m)0%

Revenue NY rev (3m)6.11%

Valuation

		Industry Rank	Sector Rank
PE	6.98
Fwd PE	7.11
P/S	1.46
P/FCF	N/A
P/OCF	N/A
P/B	1.23
P/tB	1.28
EV/EBITDA	N/A

EPS(TTM)1.93

EY14.32%

EPS(NY)1.9

Fwd EY14.07%

FCF(TTM)-3.99

FCFYN/A

OCF(TTM)-3.59

OCFYN/A

SpS9.25

BVpS10.98

TBVpS10.49

PEG (NY)N/A

PEG (5Y)0.34

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

WACC5.19%

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-1.84%

EPS Next 2Y0.59%

EPS Next 3Y2.11%

EPS Next 5Y2.48%

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 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-SP ADR (BBVA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

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

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens