BANCO BILBAO VIZCAYA-SP ADR (BBVA)
US05946K1016 - ADR
BBVA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 404 industry peers in the Banks industry. Both the profitability and financial health of BBVA have multiple concerns. BBVA has a correct valuation and a medium growth rate. Finally BBVA also has an excellent dividend rating.
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 1.15%, BBVA is in the better half of the industry, outperforming 77.31% of the companies in the same industry.
BBVA has a Return On Equity of 16.44%. This is amongst the best in the industry. BBVA outperforms 95.01% 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 61.10% 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.
The number of shares outstanding for BBVA has been reduced compared to 1 year ago.
BBVA has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, BBVA has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 1.86 is on the high side and indicates that BBVA has dependencies on debt financing.
BBVA has a Debt to Equity ratio of 1.86. This is amonst the worse of the industry: BBVA underperforms 90.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.86 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.01%
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 34.34%, which is quite impressive.
Measured over the past years, BBVA shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.28% on average per year.
The Revenue has grown by 19.26% in the past year. This is quite good.
The Revenue has been growing slightly by 5.40% on average over the past years.
EPS 1Y (TTM)34.34%
EPS 3Y142.28%
EPS 5Y11.28%
EPS Q2Q%33.96%
Revenue 1Y (TTM)19.26%
Revenue growth 3Y15.64%
Revenue growth 5Y5.4%
Sales Q2Q%10.89%
3.2 Future
The Earnings Per Share is expected to grow by 6.76% on average over the next years.
The Revenue is expected to grow by 3.27% on average over the next years.
EPS Next Y25.41%
EPS Next 2Y8.9%
EPS Next 3Y7.4%
EPS Next 5Y6.76%
Revenue Next Year16.56%
Revenue Next 2Y7.19%
Revenue Next 3Y5.7%
Revenue Next 5Y3.27%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 5.70 indicates a rather cheap valuation of BBVA.
Based on the Price/Earnings ratio, BBVA is valued cheaper than 95.76% of the companies in the same industry.
BBVA is valuated cheaply when we compare the Price/Earnings ratio to 28.96, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 6.05, the valuation of BBVA can be described as very cheap.
Based on the Price/Forward Earnings ratio, BBVA is valued cheaper than 95.01% of the companies in the same industry.
BBVA is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.82, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.7 | ||
| Fwd PE | 6.05 |
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 2Y8.9%
EPS Next 3Y7.4%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.06%, BBVA is a good candidate for dividend investing.
BBVA's Dividend Yield is rather good when compared to the industry average which is at 3.02. BBVA pays more dividend than 97.01% of the companies in the same industry.
BBVA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.06% |
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 decreased its dividend in the last 3 years.
Dividend Growth(5Y)8.33%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
BBVA pays out 36.52% of its income as dividend. This is a sustainable payout ratio.
BBVA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP36.52%
EPS Next 2Y8.9%
EPS Next 3Y7.4%
BANCO BILBAO VIZCAYA-SP ADR
NYSE:BBVA (11/21/2024, 6:30:00 PM)
After market: 9.69 0 (0%)9.69
-0.05 (-0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap55.85B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.06% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.7 | ||
| Fwd PE | 6.05 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.22
PEG (5Y)0.51
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.15% | ||
| ROE | 16.44% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 19.94% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.86 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)34.34%
EPS 3Y142.28%
EPS 5Y
EPS Q2Q%
EPS Next Y25.41%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)19.26%
Revenue growth 3Y15.64%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y