BBVA Stock Analysis: Banco Bilbao Viscaya | NYSE
Banks - Diversified | NYSE, USA | Market Cap: 139.979m USD | 12M Return: 82.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 28.1M
EPS Trend: 97.8%
Qual. Beats: 0
Rev. Trend: 82.7%
Qual. Beats: 0
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, S.A. (BBVA) is a global, diversified financial services group headquartered in Bilbao, Spain, with operations spanning Spain, Mexico, Turkey, South America, Europe, the United States, and Asia. Founded in 1857 and operating under its current name since January 2000, the company operates as a universal bank, offering retail, wholesale, investment, and transaction banking services alongside insurance, asset management, capital markets, and digital banking businesses.
As a Diversified Bank within the Financials sector, BBVA follows a universal banking model that combines traditional deposit-taking and lending with capital markets and wealth management activities. Its notable geographic footprint in emerging markets, particularly Mexico and Turkey, distinguishes it from many European peers and ties a significant share of its earnings to higher-growth, non-eurozone economies. The company trades on the NYSE as an American Depositary Receipt, providing U.S. investors with exposure to its international franchise.
- Mexico net interest income drives group earnings growth
- ECB rate cuts pressure Spanish loan margins
- Turkish lira weakness weighs on Garanti BBVA profits
| Net Income: 10.8b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 2.87 > 1.0 |
| NWC/Revenue: -786.1% < 20% (prev -817.2%; Δ 31.14% < -1%) |
| CFO/TA 0.01 > 3% & CFO 5.05b > 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 -1.91% < -2% |
| Gross Margin: 68.91% > 18% (prev 49.10%; Δ 19.81% > 0.5%) |
| Asset Turnover: 5.65% > 50% (prev 5.93%; Δ -0.28% > 0%) |
| Interest Coverage Ratio: 1.01 > 6 (EBIT TTM 16.6b / Interest Expense TTM 16.4b) |
| 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 USD 26.59 with a total of 1,139,616 shares traded. Over the past week, the price has changed by +5.85%, over one month by +7.61%, over three months by +20.81% and over the past year by +82.39%.
Current recommended Stop Loss: 25.70 (which is 3.3% or 1.5 ATR below the current price).
Banco Bilbao Viscaya has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy BBVA.
- StrongBuy: 1
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 23.8 | -10.5% |
Market Cap EUR = 123b (140b USD * 0.8765 USD.EUR)
P/E Trailing = 12.655
P/E Forward = 12.1655
P/S = 4.2924
P/B = 2.2586
P/EG = 2.2941
Revenue TTM = 47.1b EUR
EBIT TTM = 16.6b EUR
EBITDA TTM = 18.2b EUR
Long Term Debt = 87.6b EUR (from longTermDebt, last quarter)
Short Term Debt = 110b 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 = 123b EUR (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.01 (Ebit TTM 16.6b / Interest Expense TTM 16.4b)
EV/FCF = 34.19x (Enterprise Value 123b / FCF TTM 3.59b)
FCF Yield = 2.93% (FCF TTM 3.59b / Enterprise Value 123b)
FCF Margin = 7.63% (FCF TTM 3.59b / Revenue TTM 47.1b)
Net Margin = 22.95% (Net Income TTM 10.8b / Revenue TTM 47.1b)
Gross Margin = 68.91% ((Revenue TTM 47.1b - Cost of Revenue TTM 14.6b) / Revenue TTM)
Gross Margin QoQ = 82.91% (prev 82.18%)
Tobins Q-Ratio = 0.14 (Enterprise Value 123b / Total Assets 894b)
Interest Expense / Debt = 18.47% (Interest Expense 16.4b / 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 = -54.98 (Net Debt -197b / FCF TTM 3.59b)
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 = 3.30% (NOPAT 11.4b / Invested Capital 346b)
WACC = 10.20% (E(123b)/V(212b) * Re(8.38%) + D(89.0b)/V(212b) * Rd(18.47%) * (1-Tc(0.31)))
Discount Rate = 8.38% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -2.40 | Cagr: -1.34%
[DCF] Terminal Value 69.22% ; FCFF base≈3.59b ; Y1≈3.60b ; Y5≈3.82b
[DCF] Fair Price = 43.84 (EV 45.1b - Net Debt -197b = Equity 242b / Shares 5.53b; r=10.20% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 97.79 | EPS CAGR: 22.04% | SUE: 0.73 | # QB: 0
Revenue Correlation: 82.68 | Revenue CAGR: 12.40% | SUE: 0.10 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.59 | Chg30d=-6.12% | Revisions=+0% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.59 | Chg30d=-1.43% | Revisions=+0% | Analysts=1
EPS current Year (2026-12-31): EPS=2.17 | Chg30d=-2.64% | Revisions=+0% | GrowthEPS=+4.8% | GrowthRev=+13.4%
EPS next Year (2027-12-31): EPS=2.36 | Chg30d=-1.92% | Revisions=+0% | GrowthEPS=+8.4% | GrowthRev=+4.5%
[Analyst] Revisions Ratio: +0% (up=2, down=2)