Stock · BBVA.MC · Financial Services
Spain · Large Cap · Revenue 12 mo. €40.8B
Price as of 11/06/2026
Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides various financial services in Spain, Mexico, Turkey, South America, Europe, the United States, and Asia.
Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides various financial services in Spain, Mexico, Turkey, South America, Europe, the United States, and Asia. The company offers traditional retail, wholesale, investment, and transaction banking. It also engages in financial, insurance, asset management, and capital markets businesses, as well as digital banking. The company was formerly known as Banco Bilbao Vizcaya, S.A. and changed its name to Banco Bilbao Vizcaya Argentaria, S.A. in January 2000. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.
Original text from the data provider
Summary
60.7 of 100
Mean of the six area values. Each area value is the mean of the stock's ranks among the companies in its sector. 50 is the middle of the sector, not a share of companies beaten.
Analysis
What the price requires
Book value €53.6B, market value €122B (P/B 2.3). At a 9% discount rate, the premium over book value only pays off with a lasting 20.5% return on equity.
Required return on equity per year
20.5%
no perpetual growth
Price to book 2.28×, above its usual range.
Middle half of 20 quarters: 0.82× to 1.31×, median 0.95×.
Measures only against its own past, not against what the company is worth. Price as of 11/06/2026.
with respect to the priced-in expectation
No indication in the stored figures.
with respect to the priced-in expectation
Since the last quarter
Q1 → Q2 2026
3 more unchanged: Revenue, 12 mo., EBIT margin, Return on equity
Derivation
Each area value is the average of its metrics' ranks within the sector (0 to 100, 50 is the middle). For metrics where lower is better, the rank is mirrored. The overall value is the average of the area values.
Price as of 11/06/2026.
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Return on equity | 18.33% | 12.46% | Rank 77 |
| Return on capital (Greenblatt) | 175.50% | 59.04% | Rank 71 |
| EBIT margin | 43.94% | 23.06% | Rank 87 |
| FCF margin | 317.64% | 19.82% | Rank 98 |
| Gross margin | 83.56% | 65.53% | Rank 71 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Revenue growth, 1 year | 4.08% | 7.39% | Rank 37 |
| Earnings growth, 3 years per year | 20.80% | 15.20% | Rank 63 |
| Earnings growth, 5 years per year | 56.29% | 15.17% | Rank 96 |
| Sustainable growth (ROE × retained earnings) | 2.24% | 1.25% | Rank 69 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Earnings yield | 8.05% | 6.47% | Rank 71 |
| FCF yield | 96.15% | 7.16% | Rank 99 |
| EV/saleslower is better | 3.29 | 2.82 | Rank 47 |
| EV/EBITlower is better | 7.48 | 14.24 | Rank 81 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Share price, 1 year | 17.13% | 7.80% | Rank 65 |
| Share price, 6 months | 20.59% | 8.71% | Rank 85 |
| Share price, 3 months | −2.47% | 0.45% | Rank 35 |
| Distance from 52-week high | −10.55% | −10.68% | Rank 51 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Accruals (Sloan)lower is better | −0.37% | 1.23% | Rank 77 |
| Change in share countlower is better | −0.36% | −0.60% | Rank 47 |
| Dividend streak in years | 4 | 5 | Rank 48 |
| Price reaction to results, market-adjusted | −2.10% | 0.00% | Rank 21 |
| Metric | Stock | Sector median | Position in sector |
|---|---|---|---|
| Equity ratio | 6.67% | 9.21% | Rank 34 |
| Net debt/EBITDAlower is better | −0.03 | 0.12 | Rank 53 |
| Debt to equitylower is better | 2.94 | 0.90 | Rank 20 |
| Volatility, 1 yearlower is better | 29.04% | 25.95% | Rank 38 |
Ten years in figures
| Year | Revenue, €B | Net income, €B | Return on equity | Shares |
|---|---|---|---|---|
| 2016 | 26.1 | 3.5 | 7.3% | 6.59B |
| 2017 | 25.7 | 3.5 | 7.6% | 7.33B |
| 2018 | 23.6 | 5.4 | 11.5% | 6.64B |
| 2019 | 23.3 | 3.5 | 7.2% | 6.65B |
| 2020 | 22.3 | 1.3 | 2.9% | 6.66B |
| 2021 | 31.3 | 4.7 | 10.6% | 6.40B |
| 2022 | 24.7 | 6.4 | 13.7% | 6.19B |
| 2023 | 58.2 | 8.0 | 15.5% | 5.84B |
| 2024 | 35.5 | 10.1 | 18.1% | 5.77B |
| 2025 | 36.9 | 10.5 | 18.3% | 5.75B |
5 of 7 StockScorer Score rules met · How the score is built
Banco Bilbao Vizcaya Argentaria SA mainly meets criteria in the Profitability category. Result from 18 strategies checked.
This is how the StockScorer Score strategy, the flagship rule set, calculates the points for Banco Bilbao Vizcaya Argentaria SA. It compares return and cash-flow metrics with the median of the company's own sector and checks growth and price trend.
5 of 7 rules met
8 of 11 points
The rule “Exclusion: financial and real estate stocks” applies. The stock is therefore not rated regardless of the points scored.
Detail data
Excerpt from 18 strategies checked. The full evaluation is visible after a free sign-up.
With a free account, you can see the match across all strategies checked in one complete overview.
Selected fundamental metrics for Banco Bilbao Vizcaya Argentaria SA.
| Metric | Stock | Sector |
|---|---|---|
| P/E ratio | 12.4 | 15.2 |
| P/B ratio | 2.3 | 1.8 |
| Return on equity (ROE) | 18.3% | 12.5% |
| Equity ratio | 6.7% | 9.2% |
| Debt-to-equity (D/E) | 2.94 | 0.90 |
| Dividend yield | 5.7% | 3.3% |
How comparable stocks in the same sector score in the StockScorer model.
| Symbol | Company | Rating |
|---|---|---|
| BBVA.MC | Banco Bilbao Vizcaya Argentaria SAthis page | |
| SAN.MC | Banco Santander S.A. | Low5.5 |
| UBSG.SW | UBS Group AG | locked |
| 8316.T | Sumitomo Mitsui Financial | locked |
| BMO.TO | Bank of Montreal | locked |
| BNS.TO | Bank of Nova Scotia | locked |
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Learn more about the metrics in the metrics glossary or all rated stocks in the stock overview.
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