BANCO BILBAO VIZCAYA-SP ADR (BBVA)
US05946K1016 - ADR
Overall BBVA gets a fundamental rating of 3 out of 10. We evaluated BBVA against 406 industry peers in the Banks industry. BBVA may be in some trouble as it scores bad on both profitability and health. BBVA has a decent growth rate and is not valued too expensively. Finally BBVA also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
BBVA had positive earnings in the past year.
BBVA had a negative operating cash flow in the past year.
Each year in the past 5 years BBVA has been profitable.
The reported operating cash flow has been mixed in the past 5 years: BBVA reported negative operating cash flow in multiple years.
1.2 Ratios
The Return On Assets of BBVA (1.15%) is better than 78.71% of its industry peers.
BBVA has a Return On Equity of 16.44%. This is amongst the best in the industry. BBVA outperforms 95.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.15% | ||
| ROE | 16.44% | ||
| ROIC | N/A |
ROA(3y)0.83%
ROA(5y)0.63%
ROE(3y)12.5%
ROE(5y)9.53%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BBVA has a worse Profit Margin (19.94%) than 60.89% of its industry peers.
In the last couple of years the Profit Margin of BBVA has grown nicely.
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) | 19.94% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y56.1%
PM growth 5Y1.8%
GM growth 3YN/A
GM growth 5YN/A
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.
Compared to 5 years ago, BBVA has less shares outstanding
The debt/assets ratio for BBVA is higher compared to a year ago.
2.2 Solvency
BBVA has a Debt/Equity ratio of 1.86. This is a high value indicating a heavy dependency on external financing.
BBVA's Debt to Equity ratio of 1.86 is on the low side compared to the rest of the industry. BBVA is outperformed by 91.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.86 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.02%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BBVA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 35.45%, which is quite impressive.
The Earnings Per Share has been growing by 11.28% on average over the past years. This is quite good.
BBVA shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.22%.
The Revenue has been growing slightly by 5.40% on average over the past years.
EPS 1Y (TTM)35.45%
EPS 3Y142.28%
EPS 5Y11.28%
EPS Q2Q%36.81%
Revenue 1Y (TTM)8.22%
Revenue growth 3Y15.64%
Revenue growth 5Y5.4%
Sales Q2Q%9.55%
3.2 Future
BBVA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.83% yearly.
Based on estimates for the next years, BBVA will show a small growth in Revenue. The Revenue will grow by 3.56% on average per year.
EPS Next Y25.82%
EPS Next 2Y9.08%
EPS Next 3Y7.52%
EPS Next 5Y6.83%
Revenue Next Year16.56%
Revenue Next 2Y7.19%
Revenue Next 3Y5.7%
Revenue Next 5Y3.56%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
BBVA is valuated cheaply with a Price/Earnings ratio of 5.73.
Compared to the rest of the industry, the Price/Earnings ratio of BBVA indicates a rather cheap valuation: BBVA is cheaper than 95.79% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.73. BBVA is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 6.13, which indicates a rather cheap valuation of BBVA.
Based on the Price/Forward Earnings ratio, BBVA is valued cheaper than 94.06% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BBVA to the average of the S&P500 Index (22.83), we can say BBVA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.73 | ||
| Fwd PE | 6.13 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.22
PEG (5Y)0.51
EPS Next 2Y9.08%
EPS Next 3Y7.52%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.88%, BBVA is a good candidate for dividend investing.
BBVA's Dividend Yield is rather good when compared to the industry average which is at 3.15. BBVA pays more dividend than 96.53% of the companies in the same industry.
BBVA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.88% |
5.2 History
The dividend of BBVA is nicely growing with an annual growth rate of 8.33%!
BBVA has been paying a dividend for at least 10 years, so it has a reliable track record.
BBVA has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)8.33%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
36.52% of the earnings are spent on dividend by BBVA. This is a low number and sustainable payout ratio.
BBVA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP36.52%
EPS Next 2Y9.08%
EPS Next 3Y7.52%
BANCO BILBAO VIZCAYA-SP ADR
NYSE:BBVA (12/20/2024, 8:04:00 PM)
After market: 9.68 0 (0%)9.68
+0.02 (+0.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners42.8%
Inst Owner Change6.12%
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap55.68B
Analysts70.77
Price Target12.05 (24.48%)
Short Float %0.05%
Short Ratio1.94
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.88% |
Dividend Growth(5Y)8.33%
DP36.52%
Div Incr Years3
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.21%
Min EPS beat(2)6.25%
Max EPS beat(2)10.17%
EPS beat(4)2
Avg EPS beat(4)3%
Min EPS beat(4)-3.9%
Max EPS beat(4)10.17%
EPS beat(8)6
Avg EPS beat(8)9.87%
EPS beat(12)10
Avg EPS beat(12)24.48%
EPS beat(16)14
Avg EPS beat(16)27.76%
Revenue beat(2)2
Avg Revenue beat(2)3.1%
Min Revenue beat(2)1.59%
Max Revenue beat(2)4.61%
Revenue beat(4)4
Avg Revenue beat(4)3.48%
Min Revenue beat(4)1.24%
Max Revenue beat(4)6.46%
Revenue beat(8)7
Avg Revenue beat(8)11.79%
Revenue beat(12)11
Avg Revenue beat(12)19.01%
Revenue beat(16)14
Avg Revenue beat(16)17.75%
PT rev (1m)-3.34%
PT rev (3m)-7.4%
EPS NQ rev (1m)0.33%
EPS NQ rev (3m)2.94%
EPS NY rev (1m)0.33%
EPS NY rev (3m)2.6%
Revenue NQ rev (1m)-0.26%
Revenue NQ rev (3m)0.64%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.73 | ||
| Fwd PE | 6.13 | ||
| P/S | 1.22 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.01 | ||
| P/tB | 1.06 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.69
EY17.46%
EPS(NY)1.58
Fwd EY16.33%
FCF(TTM)-4.01
FCFYN/A
OCF(TTM)-3.66
OCFYN/A
SpS7.92
BVpS9.6
TBVpS9.17
PEG (NY)0.22
PEG (5Y)0.51
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.15% | ||
| ROE | 16.44% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.94% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.83%
ROA(5y)0.63%
ROE(3y)12.5%
ROE(5y)9.53%
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 3Y56.1%
PM growth 5Y1.8%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.86 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 130.15% | ||
| Cap/Sales | 4.41% | ||
| 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
WACC5.02%
ROIC/WACCN/A
Cap/Depr(3y)130.07%
Cap/Depr(5y)115.39%
Cap/Sales(3y)5.2%
Cap/Sales(5y)5.01%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)35.45%
EPS 3Y142.28%
EPS 5Y11.28%
EPS Q2Q%36.81%
EPS Next Y25.82%
EPS Next 2Y9.08%
EPS Next 3Y7.52%
EPS Next 5Y6.83%
Revenue 1Y (TTM)8.22%
Revenue growth 3Y15.64%
Revenue growth 5Y5.4%
Sales Q2Q%9.55%
Revenue Next Year16.56%
Revenue Next 2Y7.19%
Revenue Next 3Y5.7%
Revenue Next 5Y3.56%
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-181.85%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-168.68%
OCF growth 3YN/A
OCF growth 5YN/A