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BANCO BILBAO VIZCAYA-SP ADR (BBVA) Stock Fundamental Analysis

NYSE:BBVA - New York Stock Exchange, Inc. - US05946K1016 - ADR - Currency: USD

11.75  +0.22 (+1.91%)

Premarket: 11.61 -0.14 (-1.19%)

Fundamental Rating

3

BBVA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 405 industry peers in the Banks industry. BBVA may be in some trouble as it scores bad on both profitability and health. BBVA has a valuation in line with the averages, but it does not seem to be growing. Finally BBVA also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year BBVA was profitable.
BBVA had a negative operating cash flow in the past year.
BBVA had positive earnings in 4 of the past 5 years.
In multiple years BBVA reported negative operating cash flow during the last 5 years.
BBVA Yearly Net Income VS EBIT VS OCF VS FCFBBVA 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 0 10B -10B 20B 30B

1.2 Ratios

BBVA has a better Return On Assets (1.15%) than 79.15% of its industry peers.
With an excellent Return On Equity value of 16.44%, BBVA belongs to the best of the industry, outperforming 95.23% of the companies in the same industry.
Industry RankSector 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
BBVA Yearly ROA, ROE, ROICBBVA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10

1.3 Margins

BBVA has a Profit Margin of 19.94%. This is in the lower half of the industry: BBVA underperforms 61.56% 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 RankSector 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
BBVA Yearly Profit, Operating, Gross MarginsBBVA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15

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0

2. Health

2.1 Basic Checks

BBVA does not have a ROIC to compare to the WACC, probably because it is not profitable.
There is no outstanding debt for BBVA. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
BBVA Yearly Shares OutstandingBBVA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B
BBVA Yearly Total Debt VS Total AssetsBBVA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200B 400B 600B

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 has a Debt to Equity ratio of 1.86. This is amonst the worse of the industry: BBVA underperforms 91.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.86
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.19%
BBVA Yearly LT Debt VS Equity VS FCFBBVA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20B 40B 60B 80B

2.3 Liquidity

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

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 33.75% over the past year.
Measured over the past years, BBVA shows a very strong growth in Earnings Per Share. The EPS has been growing by 21.00% on average per year.
EPS 1Y (TTM)33.75%
EPS 3Y33.47%
EPS 5Y21%
EPS Q2Q%27.89%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%28.22%

3.2 Future

The Earnings Per Share is expected to grow by 5.25% on average over the next years.
BBVA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 0.46% yearly.
EPS Next Y-9.48%
EPS Next 2Y-3.84%
EPS Next 3Y-4.36%
EPS Next 5Y5.25%
Revenue Next Year-2.29%
Revenue Next 2Y-0.02%
Revenue Next 3Y-0.38%
Revenue Next 5Y0.46%

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.
BBVA Yearly Revenue VS EstimatesBBVA 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
BBVA Yearly EPS VS EstimatesBBVA 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. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.78, the valuation of BBVA can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of BBVA indicates a rather cheap valuation: BBVA is cheaper than 92.96% of the companies listed in the same industry.
BBVA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.51.
A Price/Forward Earnings ratio of 8.61 indicates a reasonable valuation of BBVA.
BBVA's Price/Forward Earnings ratio is rather cheap when compared to the industry. BBVA is cheaper than 88.19% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of BBVA to the average of the S&P500 Index (93.88), we can say BBVA is valued rather cheaply.
Industry RankSector Rank
PE 7.78
Fwd PE 8.61
BBVA Price Earnings VS Forward Price EarningsBBVA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

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

4.3 Compensation for Growth

BBVA's earnings are expected to decrease with -4.36% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.37
EPS Next 2Y-3.84%
EPS Next 3Y-4.36%

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5. Dividend

5.1 Amount

BBVA has a Yearly Dividend Yield of 4.91%, which is a nice return.
Compared to an average industry Dividend Yield of 3.17, BBVA pays a better dividend. On top of this BBVA pays more dividend than 90.45% of the companies listed in the same industry.
BBVA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.27.
Industry RankSector Rank
Dividend Yield 4.91%

5.2 History

On average, the dividend of BBVA grows each year by 8.33%, 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)8.33%
Div Incr Years3
Div Non Decr Years3
BBVA Yearly Dividends per shareBBVA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6

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 2Y-3.84%
EPS Next 3Y-4.36%
BBVA Yearly Income VS Free CF VS DividendBBVA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10B -10B 20B 30B
BBVA Dividend Payout.BBVA Dividend Payout, showing the Payout Ratio.BBVA Dividend Payout.PayoutRetained Earnings

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BANCO BILBAO VIZCAYA-SP ADR

NYSE:BBVA (1/30/2025, 8:06:19 PM)

Premarket: 11.61 -0.14 (-1.19%)

11.75

+0.22 (+1.91%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30 2025-01-30/amc
Earnings (Next)N/A N/A
Inst Owners42.8%
Inst Owner Change-0.04%
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap80.14B
Analysts70.77
Price Target12.31 (4.77%)
Short Float %0.04%
Short Ratio1.31
Dividend
Industry RankSector Rank
Dividend Yield 4.91%
Yearly Dividend0.47
Dividend Growth(5Y)8.33%
DP36.52%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
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)-1.76%
PT rev (3m)-5.04%
EPS NQ rev (1m)0.52%
EPS NQ rev (3m)0.52%
EPS NY rev (1m)0%
EPS NY rev (3m)2.79%
Revenue NQ rev (1m)-0.26%
Revenue NQ rev (3m)-0.26%
Revenue NY rev (1m)1.61%
Revenue NY rev (3m)2.17%
Valuation
Industry RankSector Rank
PE 7.78
Fwd PE 8.61
P/S 1.76
P/FCF N/A
P/OCF N/A
P/B 1.45
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)1.51
EY12.85%
EPS(NY)1.36
Fwd EY11.61%
FCF(TTM)-3.39
FCFYN/A
OCF(TTM)-3.1
OCFYN/A
SpS6.69
BVpS8.12
TBVpS7.76
PEG (NY)N/A
PEG (5Y)0.37
Profitability
Industry RankSector 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 RankSector 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
WACC5.19%
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)33.75%
EPS 3Y33.47%
EPS 5Y21%
EPS Q2Q%27.89%
EPS Next Y-9.48%
EPS Next 2Y-3.84%
EPS Next 3Y-4.36%
EPS Next 5Y5.25%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%28.22%
Revenue Next Year-2.29%
Revenue Next 2Y-0.02%
Revenue Next 3Y-0.38%
Revenue Next 5Y0.46%
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