BBVA Stock Analysis: Banco Bilbao Vizcaya | MC
Banks - Diversified | MC, Spain | Market Cap: 126.872m EUR | 12M Return: 83.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 166M
EPS Trend: 94.6%
Qual. Beats: 1
Rev. Trend: 62.6%
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Banco Bilbao Vizcaya Argentaria (BBVA) is a Spain-headquartered, large-cap diversified bank that has operated since 1857 and is listed in Madrid under the ticker BBVA. It provides retail, wholesale, investment, and transaction banking services, alongside insurance, asset management, capital markets, and digital banking operations, with a geographically diversified footprint spanning Spain, Mexico, Turkey, South America, Europe, the United States, and Asia.
As a global diversified bank, BBVA operates multiple business lines and generates revenue across retail banking (including deposits, mortgages, and consumer credit), corporate and investment banking, insurance, and asset management. Its heavy weighting toward emerging markets-particularly Mexico and Turkey-distinguishes it from many European peers that focus primarily on domestic retail and commercial banking.
- Mexico net interest income accelerates on peso stability and rate carry
- Turkish lira volatility pressures Garanti contribution and inflation accounting
- ECB rate cuts compress Spanish retail banking margins
| Net Income: 10.8b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.12 > 0.02 and ΔFCF/TA 11.06 > 1.0 |
| NWC/Revenue: -950.0% < 20% (prev -966.6%; Δ 16.52% < -1%) |
| CFO/TA 0.12 > 3% & CFO 105b > Net Income 10.8b |
| Net Debt (-197b) to EBITDA (18.2b): -10.87 < 3 |
| Current Ratio: 0.44 > 1.5 & < 3 |
| Outstanding Shares: last quarter (5.66b) vs 12m ago -1.62% < -2% |
| Gross Margin: 83.28% > 18% (prev 68.02%; Δ 15.27% > 0.5%) |
| Asset Turnover: 4.67% > 50% (prev 6.05%; Δ -1.37% > 0%) |
| Interest Coverage Ratio: 0.52 > 6 (EBIT TTM 16.6b / Interest Expense TTM 32.1b) |
| A: -0.41 (Total Current Assets 286b - Total Current Liabilities 656b) / Total Assets 894b |
| B: 0.06 (Retained Earnings 56.9b / Total Assets 894b) |
| C: 0.02 (EBIT TTM 16.6b / Avg Total Assets 834b) |
| D: 0.07 (Book Value of Equity 56.3b / Total Liabilities 833b) |
| Altman-Z'' = -2.30 = D |
As of July 28, 2026, the stock is trading at EUR 23.20 with a total of 9,073,212 shares traded. Over the past week, the price has changed by +4.41%, over one month by +7.66%, over three months by +23.96% and over the past year by +83.38%.
Current recommended Stop Loss: 22.50 (which is 3% or 1.4 ATR below the current price).
Banco Bilbao Vizcaya has no consensus analysts rating.
P/E Trailing = 12.4
P/E Forward = 11.9474
P/S = 3.8905
P/B = 2.2183
P/EG = 2.2532
Revenue TTM = 38.9b EUR
EBIT TTM = 16.6b EUR
EBITDA TTM = 18.2b EUR
Long Term Debt = 87.6b EUR (from longTermDebt, last quarter)
Short Term Debt = 79.3b EUR (from shortTermDebt, last fiscal year)
Debt = 89.0b EUR (from shortLongTermDebtTotal, last quarter) + Leases 1.46b
Net Debt = -197b EUR (calculated: Debt 89.0b - CCE 286b)
Enterprise Value = 127b EUR (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.52 (Ebit TTM 16.6b / Interest Expense TTM 32.1b)
EV/FCF = 1.22x (Enterprise Value 127b / FCF TTM 104b)
FCF Yield = 82.09% (FCF TTM 104b / Enterprise Value 127b)
FCF Margin = 267.5% (FCF TTM 104b / Revenue TTM 38.9b)
Net Margin = 27.74% (Net Income TTM 10.8b / Revenue TTM 38.9b)
Gross Margin = 83.28% ((Revenue TTM 38.9b - Cost of Revenue TTM 6.51b) / Revenue TTM)
Gross Margin QoQ = 82.91% (prev 82.18%)
Tobins Q-Ratio = 0.14 (Enterprise Value 127b / Total Assets 894b)
Interest Expense / Debt = 36.02% (Interest Expense 32.1b / Debt 89.0b)
Taxrate = 31.14% (5.17b / 16.6b)
NOPAT = 11.4b (EBIT 16.6b * (1 - 31.14%))
Current Ratio = 0.44 (Total Current Assets 286b / Total Current Liabilities 656b)
Debt / Equity = 1.58 (Debt 89.0b / totalStockholderEquity, last quarter 56.3b)
Debt / EBITDA = -10.87 (Net Debt -197b / EBITDA 18.2b)
Debt / FCF = -1.89 (Net Debt -197b / FCF TTM 104b)
Total Stockholder Equity = 57.0b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.30% (Net Income 10.8b / Total Assets 894b)
RoE = 18.94% (Net Income TTM 10.8b / Total Stockholder Equity 57.0b)
RoCE = 11.48% (EBIT 16.6b / Capital Employed (Equity 57.0b + L.T.Debt 87.6b))
RoIC = 3.62% (NOPAT 11.4b / Invested Capital 315b)
WACC = 14.73% (E(127b)/V(216b) * Re(7.66%) + D(89.0b)/V(216b) * Rd(36.02%) * (1-Tc(0.31)))
Discount Rate = 7.66% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -88.22 | Cagr: -1.37%
[DCF] Terminal Value 60.13% ; FCFF base≈64.3b ; Y1≈73.7b ; Y5≈109b
[DCF] Fair Price = 173.3 (EV 761b - Net Debt -197b = Equity 958b / Shares 5.53b; r=14.73% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 94.61 | EPS CAGR: 18.67% | SUE: 1.77 | # QB: 1
Revenue Correlation: 62.58 | Revenue CAGR: 13.37% | SUE: 1.87 | # QB: 1
EPS current Quarter (2026-06-30): EPS=0.51 | Chg30d=+0.38% | Revisions=+0% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.50 | Chg30d=+0.73% | Revisions=-40% | Analysts=3
EPS current Year (2026-12-31): EPS=2.00 | Chg30d=+0.70% | Revisions=+50% | GrowthEPS=+13.5% | GrowthRev=+13.4%
EPS next Year (2027-12-31): EPS=2.23 | Chg30d=+1.20% | Revisions=+50% | GrowthEPS=+11.9% | GrowthRev=+4.5%
[Analyst] Revisions Ratio: +31% (up=7, down=3)