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

Fundamental Rating

Overall BBVA gets a fundamental rating of 4 out of 10. We evaluated BBVA against 401 industry peers in the Banks industry. BBVA has a medium profitability rating, but doesn't score so well on its financial health evaluation. BBVA is not valued too expensively and it also shows a decent growth rate. Finally 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.

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

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

1.2 Ratios

The Return On Assets of BBVA (1.25%) is better than 83.04% of its industry peers.

Looking at the Return On Equity, with a value of 17.37%, BBVA belongs to the top of the industry, outperforming 94.51% of the companies in the same industry.

		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 40.15% of its industry peers.

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

The Operating Margin and Gross Margin are not available for BBVA 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

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

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

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

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

2.2 Solvency

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

BBVA has a Debt to Equity ratio of 1.75. This is amonst the worse of the industry: BBVA underperforms 90.52% of its industry peers.

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

ROIC/WACCN/A

WACC5.32%

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

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

BBVA shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.83% yearly.

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

Measured over the past years, BBVA 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

BBVA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.11% yearly.

BBVA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.30% yearly.

EPS Next Y-5.28%

EPS Next 2Y-1.31%

EPS Next 3Y0.42%

EPS Next 5Y1.11%

Revenue Next Year0.94%

Revenue Next 2Y1.57%

Revenue Next 3Y2.81%

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.

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 7.65 indicates a rather cheap valuation of BBVA.

Based on the Price/Earnings ratio, BBVA is valued cheaply inside the industry as 92.77% of the companies are valued more expensively.

Compared to an average S&P500 Price/Earnings ratio of 29.71, BBVA is valued rather cheaply.

A Price/Forward Earnings ratio of 8.08 indicates a reasonable valuation of BBVA.

Compared to the rest of the industry, the Price/Forward Earnings ratio of BBVA indicates a rather cheap valuation: BBVA is cheaper than 90.02% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of BBVA to the average of the S&P500 Index (22.34), we can say BBVA is valued rather cheaply.

		Industry Rank	Sector Rank
PE	7.65
Fwd PE	8.08

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)0.37

EPS Next 2Y-1.31%

EPS Next 3Y0.42%

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5. Dividend

5.1 Amount

BBVA has a Yearly Dividend Yield of 4.40%, which is a nice return.

BBVA's Dividend Yield is rather good when compared to the industry average which is at 3.26. BBVA pays more dividend than 82.04% of the companies in the same industry.

Compared to an average S&P500 Dividend Yield of 2.30, BBVA pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.4%

5.2 History

On average, the dividend of BBVA grows each year by 15.86%, which is quite nice.

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

BBVA pays out 40.48% of its income as dividend. 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 2Y-1.31%

EPS Next 3Y0.42%

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BANCO BILBAO VIZCAYA-SP ADR

NYSE:BBVA (3/5/2025, 8:04:00 PM)

Premarket: 13.98 +0.05 (+0.36%)

13.93

+0.76 (+5.77%)

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 Change-1.11%

Ins Owners0.09%

Ins Owner ChangeN/A

Market Cap80.19B

Analysts75.2

Price Target12.31 (-11.63%)

Short Float %0.05%

Short Ratio1.52

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.4%

Yearly Dividend0.7

Dividend Growth(5Y)15.86%

DP40.48%

Div Incr Years3

Div Non Decr Years3

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)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)0%

PT rev (3m)1.84%

EPS NQ rev (1m)23.53%

EPS NQ rev (3m)5.67%

EPS NY rev (1m)23.02%

EPS NY rev (3m)5.98%

Revenue NQ rev (1m)3.96%

Revenue NQ rev (3m)3.97%

Revenue NY rev (1m)3.99%

Revenue NY rev (3m)4.74%

Valuation

		Industry Rank	Sector Rank
PE	7.65
Fwd PE	8.08
P/S	1.6
P/FCF	N/A
P/OCF	N/A
P/B	1.35
P/tB	1.41
EV/EBITDA	N/A

EPS(TTM)1.82

EY13.07%

EPS(NY)1.72

Fwd EY12.37%

FCF(TTM)-3.75

FCFYN/A

OCF(TTM)-3.38

OCFYN/A

SpS8.71

BVpS10.34

TBVpS9.88

PEG (NY)N/A

PEG (5Y)0.37

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

WACC5.32%

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 5Y1.11%

Revenue 1Y (TTM)18.53%

Revenue growth 3Y19.7%

Revenue growth 5Y11.07%

Sales Q2Q%29.38%

Revenue Next Year0.94%

Revenue Next 2Y1.57%

Revenue Next 3Y2.81%

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

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