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Company Analysis

Banco Bilbao Vizcaya Argentaria BBVA

A comprehensive view of key metrics, scores, and financial health for Banco Bilbao Vizcaya Argentaria

Overview of Banco Bilbao Vizcaya Argentaria, S.A.

BBVA NYQ
Financial Services Banks - Diversified Large Cap
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA), is a Large Cap company, in the Banks - Diversified industry, last closed at $20.45, about 51.8% overvalued vs fair value, +40.8% 1Y return, placing in the top 25% of its sector.
$20.45
-1.78%
As of March 13, 2026
Previous close • Vol 90d: 35.4%
52-Week Range
Market Cap
$116.13B
Enterprise Value
$104.02B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.bbva.com
HQ Bilbao
Employees 123,193
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$5
$10
$18
Current: $20.45 -52% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$26.3B
4%%
Interest Expense
$16.4B
Net Interest Income
$26.3B
4%%
Total Revenue
$36.9B
4.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
17.6%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$5.9B
58.8% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Banco Bilbao Vizcaya Argentaria's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
62
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
65
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing BBVA's balance between Growth (25.2%), Profitability (37.6%), and Safety (37.3%). Growth 25% Safety 37% Profitability 38%

Click axes to expand details. Marker shows current allocation.

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Growth

59th percentile vs peers
59
Key Signals
Asset Growth YoY 11.3% 84p Rev Growth YoY 4.1% 43p Revenue CAGR 3Y 9.6% 53p
Strengths
  • Asset Growth Yoy in top 20% of peers (11.3%, 84th percentile)
  • Roe in top 20% of peers (18.6%, 90th percentile)
  • Operating Margin in top 20% of peers (43.9%, 94th percentile)
Risks

No significant risks identified for this axis.

Profitability

88th percentile vs peers
88
Key Signals
Strengths
Risks
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Safety

87th percentile vs peers
88
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Banco Bilbao Vizcaya Argentaria.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$9.85
- - -
-51.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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