BANCO BILBAO VIZCAYA ARGENTA(FRA:BOY) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, BOY scores 4 out of 10 in our fundamental rating. BOY was compared to 98 industry peers in the Banks industry. BOY has a bad profitability rating. Also its financial health evaluation is rather negative. BOY is not valued too expensively and it also shows a decent growth rate. Finally BOY also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year BOY was profitable.

BOY had a negative operating cash flow in the past year.

BOY had positive earnings in each of the past 5 years.

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

1.2 Ratios

BOY has a better Return On Assets (1.21%) than 79.55% of its industry peers.

BOY has a Return On Equity of 17.57%. This is amongst the best in the industry. BOY outperforms 92.05% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.21%
ROE	17.57%
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

With a Profit Margin value of 21.07%, BOY perfoms like the industry average, outperforming 46.59% of the companies in the same industry.

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

BOY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	21.07%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y18.1%

PM growth 5Y15.36%

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

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

BOY has less shares outstanding than it did 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.

2.2 Solvency

BOY has a Debt/Equity ratio of 1.90. This is a high value indicating a heavy dependency on external financing.

BOY has a Debt to Equity ratio of 1.90. This is comparable to the rest of the industry: BOY outperforms 52.27% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.9
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.34%

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

The Earnings Per Share has grown by an impressive 33.75% over the past year.

BOY shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.00% yearly.

BOY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.46%.

The Revenue has been growing slightly by 6.14% on average over the past years.

EPS 1Y (TTM)33.75%

EPS 3Y33.47%

EPS 5Y21%

EPS Q2Q%27.89%

Revenue 1Y (TTM)11.46%

Revenue growth 3Y10.98%

Revenue growth 5Y6.14%

Sales Q2Q%28.22%

3.2 Future

BOY is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.91% yearly.

The Revenue is expected to grow by 0.46% on average over the next years.

EPS Next Y-9.48%

EPS Next 2Y-3.84%

EPS Next 3Y-4.36%

EPS Next 5Y0.91%

Revenue Next Year-2.29%

Revenue Next 2Y-0.02%

Revenue Next 3Y-0.38%

Revenue Next 5Y0.46%

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.

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4. Valuation

4.1 Price/Earnings Ratio

BOY is valuated cheaply with a Price/Earnings ratio of 6.43.

Compared to the rest of the industry, the Price/Earnings ratio of BOY indicates a rather cheap valuation: BOY is cheaper than 80.68% of the companies listed in the same industry.

The average S&P500 Price/Earnings ratio is at 28.47. BOY is valued rather cheaply when compared to this.

With a Price/Forward Earnings ratio of 7.10, the valuation of BOY can be described as very cheap.

79.55% of the companies in the same industry are more expensive than BOY, based on the Price/Forward Earnings ratio.

BOY is valuated cheaply when we compare the Price/Forward Earnings ratio to 92.74, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	6.43
Fwd PE	7.1

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

A cheap valuation may be justified as BOY's earnings are expected to decrease with -4.36% in the coming years.

PEG (NY)N/A

PEG (5Y)0.31

EPS Next 2Y-3.84%

EPS Next 3Y-4.36%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.91%, BOY is a good candidate for dividend investing.

BOY's Dividend Yield is comparable with the industry average which is at 5.05.

BOY's Dividend Yield is rather good when compared to the S&P500 average which is at 2.28.

		Industry Rank	Sector Rank
Dividend Yield	4.91%

5.2 History

On average, the dividend of BOY grows each year by 8.33%, which is quite nice.

Dividend Growth(5Y)8.33%

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

BOY pays out 34.40% of its income as dividend. This is a sustainable payout ratio.

BOY's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP34.4%

EPS Next 2Y-3.84%

EPS Next 3Y-4.36%

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BANCO BILBAO VIZCAYA ARGENTA

FRA:BOY (2/4/2025, 7:00:00 PM)

+0.26 (+2.37%)

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 ChangeN/A

Ins Owners0.09%

Ins Owner ChangeN/A

Market Cap75.02B

Analysts70.77

Price Target11.65 (5.91%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.91%

Yearly Dividend0.47

Dividend Growth(5Y)8.33%

DP34.4%

Div Incr Years3

Div Non Decr Years3

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)10.93%

Min EPS beat(2)10.17%

Max EPS beat(2)11.69%

EPS beat(4)3

Avg EPS beat(4)6.9%

Min EPS beat(4)-0.51%

Max EPS beat(4)11.69%

EPS beat(8)6

Avg EPS beat(8)4.36%

EPS beat(12)10

Avg EPS beat(12)24.88%

EPS beat(16)14

Avg EPS beat(16)26.02%

Revenue beat(2)1

Avg Revenue beat(2)1.89%

Min Revenue beat(2)-0.83%

Max Revenue beat(2)4.61%

Revenue beat(4)3

Avg Revenue beat(4)1.65%

Min Revenue beat(4)-0.83%

Max Revenue beat(4)4.61%

Revenue beat(8)7

Avg Revenue beat(8)10.34%

Revenue beat(12)11

Avg Revenue beat(12)19.26%

Revenue beat(16)14

Avg Revenue beat(16)18.5%

PT rev (1m)2.42%

PT rev (3m)1.41%

EPS NQ rev (1m)11.19%

EPS NQ rev (3m)10.28%

EPS NY rev (1m)2.09%

EPS NY rev (3m)2.09%

Revenue NQ rev (1m)3.15%

Revenue NQ rev (3m)2.68%

Revenue NY rev (1m)0.73%

Revenue NY rev (3m)0.73%

Valuation

		Industry Rank	Sector Rank
PE	6.43
Fwd PE	7.1
P/S	1.7
P/FCF	N/A
P/OCF	N/A
P/B	1.42
P/tB	1.48
EV/EBITDA	N/A

EPS(TTM)1.71

EY15.55%

EPS(NY)1.55

Fwd EY14.09%

FCF(TTM)-0.31

FCFYN/A

OCF(TTM)-0.06

OCFYN/A

SpS6.47

BVpS7.75

TBVpS7.41

PEG (NY)N/A

PEG (5Y)0.31

Profitability

		Industry Rank	Sector Rank
ROA	1.21%
ROE	17.57%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	21.07%
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 3Y18.1%

PM growth 5Y15.36%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	1.9
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	117.98%
Cap/Sales	3.94%
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

WACC5.34%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

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 5Y0.91%

Revenue 1Y (TTM)11.46%

Revenue growth 3Y10.98%

Revenue growth 5Y6.14%

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 1Y88.46%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y97.6%

OCF growth 3YN/A

OCF growth 5YN/A

BANCO BILBAO VIZCAYA ARGENTA (BOY.DE) 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

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