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BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) Stock Fundamental Analysis

FRA:BOY - Deutsche Boerse Ag - ES0113211835 - Common Stock - Currency: EUR

13.165  +0.03 (+0.23%)

Fundamental Rating

4

Overall BOY gets a fundamental rating of 4 out of 10. We evaluated BOY against 99 industry peers in the Banks industry. BOY may be in some trouble as it scores bad on both profitability and health. BOY has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

BOY had positive earnings in the past year.
BOY had a negative operating cash flow in the past year.
Each year in the past 5 years BOY has been profitable.
The reported operating cash flow has been mixed in the past 5 years: BOY reported negative operating cash flow in multiple years.
BOY.DE Yearly Net Income VS EBIT VS OCF VS FCFBOY.DE 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 2024 0 10B -10B 20B -20B 30B

1.2 Ratios

BOY's Return On Assets of 1.25% is fine compared to the rest of the industry. BOY outperforms 79.57% of its industry peers.
BOY has a Return On Equity of 17.37%. This is amongst the best in the industry. BOY outperforms 84.95% of its industry peers.
Industry RankSector 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
BOY.DE Yearly ROA, ROE, ROICBOY.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

BOY has a Profit Margin (20.62%) which is in line with its industry peers.
In the last couple of years the Profit Margin of BOY has grown nicely.
The Operating Margin and Gross Margin are not available for BOY so they could not be analyzed.
Industry RankSector 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
BOY.DE Yearly Profit, Operating, Gross MarginsBOY.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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2

2. Health

2.1 Basic Checks

BOY does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BOY has been reduced compared to 1 year ago.
BOY has less shares outstanding than it did 5 years ago.
The debt/assets ratio for BOY has been reduced compared to a year ago.
BOY.DE Yearly Shares OutstandingBOY.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B
BOY.DE Yearly Total Debt VS Total AssetsBOY.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B

2.2 Solvency

A Debt/Equity ratio of 1.75 is on the high side and indicates that BOY has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 1.75, BOY is in line with its industry, outperforming 56.99% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.75
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.33%
BOY.DE Yearly LT Debt VS Equity VS FCFBOY.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B 60B 80B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BOY.DE Yearly Current Assets VS Current LiabilitesBOY.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B 40B 50B

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5

3. Growth

3.1 Past

BOY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 32.81%, which is quite impressive.
The Earnings Per Share has been growing by 20.83% on average over the past years. This is a very strong growth
BOY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.53%.
The Revenue has been growing by 11.07% on average over the past years. This is quite good.
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

BOY is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.09% yearly.
BOY 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 5Y1.09%
Revenue Next Year2.59%
Revenue Next 2Y2.62%
Revenue Next 3Y3.03%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BOY.DE Yearly Revenue VS EstimatesBOY.DE 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 40B
BOY.DE Yearly EPS VS EstimatesBOY.DE 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

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.74, the valuation of BOY can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of BOY indicates a somewhat cheap valuation: BOY is cheaper than 73.12% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 29.35. BOY is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 8.18 indicates a reasonable valuation of BOY.
Based on the Price/Forward Earnings ratio, BOY is valued a bit cheaper than the industry average as 78.49% of the companies are valued more expensively.
BOY is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.74
Fwd PE 8.18
BOY.DE Price Earnings VS Forward Price EarningsBOY.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

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

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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6

5. Dividend

5.1 Amount

BOY has a Yearly Dividend Yield of 4.32%, which is a nice return.
BOY's Dividend Yield is comparable with the industry average which is at 5.06.
BOY's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
Industry RankSector Rank
Dividend Yield 4.32%

5.2 History

The dividend of BOY is nicely growing with an annual growth rate of 15.86%!
Dividend Growth(5Y)15.86%
Div Incr Years3
Div Non Decr Years3
BOY.DE Yearly Dividends per shareBOY.DE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

40.48% of the earnings are spent on dividend by BOY. This is a bit on the high side, but may be sustainable.
The dividend of BOY 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%
BOY.DE Yearly Income VS Free CF VS DividendBOY.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B -20B 30B
BOY.DE Dividend Payout.BOY.DE Dividend Payout, showing the Payout Ratio.BOY.DE Dividend Payout.PayoutRetained Earnings

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BANCO BILBAO VIZCAYA ARGENTA

FRA:BOY (3/7/2025, 7:00:00 PM)

13.165

+0.03 (+0.23%)

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 ChangeN/A
Ins Owners0.09%
Ins Owner ChangeN/A
Market Cap75.79B
Analysts76.8
Price Target12.65 (-3.91%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.32%
Yearly Dividend0.68
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)7
Avg Revenue beat(8)6.96%
Revenue beat(12)11
Avg Revenue beat(12)16.34%
Revenue beat(16)15
Avg Revenue beat(16)20.4%
PT rev (1m)8.6%
PT rev (3m)11.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.76%
EPS NY rev (1m)3.89%
EPS NY rev (3m)6.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.97%
Revenue NY rev (1m)5.69%
Revenue NY rev (3m)6.46%
Valuation
Industry RankSector Rank
PE 7.74
Fwd PE 8.18
P/S 1.62
P/FCF N/A
P/OCF N/A
P/B 1.36
P/tB 1.43
EV/EBITDA N/A
EPS(TTM)1.7
EY12.91%
EPS(NY)1.61
Fwd EY12.23%
FCF(TTM)-3.51
FCFYN/A
OCF(TTM)-3.16
OCFYN/A
SpS8.14
BVpS9.67
TBVpS9.24
PEG (NY)N/A
PEG (5Y)0.37
Profitability
Industry RankSector 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 RankSector 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
WACC5.33%
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 5Y1.09%
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 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