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 …
Full BBVA analysis →
Competitive advantage assessment
Key strengths
Industry-Leading EfficiencyOperational efficiency is excellent (score 0.94).
Strong Deposit FranchiseDeposit franchise strength is evident (profitability score 0.96).
Key risks
Capital Adequacy ConcernsCapital adequacy is concerning (score 0.35).
Revenue Concentration RiskRevenue concentration is concerning (growth stability 0.16).
The dashed ring is the peer median. Defense scores are percentile ranks
against peers, so 50 is roughly the typical company in this group.
Upgrade to unlock the signals and evidence behind each defense.
Premium access
Unlock full defense analysis
Get key signals, strengths, and risks for every moat dimension.
Banco Bilbao Vizcaya Argentaria ranks #5 of 19
scored companies in Banks - Diversified by moat score — the top 26%.
The widest moat in the group is Bank of N.T. Butterfield & Son (NTB)
at 75/100.
Moat scores for companies ranked near BBVA in Banks - Diversified
A deposit franchise is the cheapest and most valuable thing a bank can own.
Lending Advantage
Score 54
· 18% of the moat score
Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.
Capital Strength
Score 60
· 20% of the moat score
Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.
Cost Discipline
Score 92
· 16% of the moat score
Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.
Revenue Diversification
Score 37
· 14% of the moat score
A bank earning everything from net interest income is a leveraged bet on the rate cycle.
Risk Management
Score 65
· 10% of the moat score
Risk management is the defense that only reveals itself late.
What is Banco Bilbao Vizcaya Argentaria's moat score?
Banco Bilbao Vizcaya Argentaria (BBVA) scores 60 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as moderate. It ranks #5 of 19 scored companies in Banks - Diversified, the top 26%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 31 companies in Banks - Diversified. Its strongest defense is Cost Discipline (92/100) and its weakest is Revenue Diversification (37/100).
How does Banco Bilbao Vizcaya Argentaria compare with other Banks - Diversified companies?
Banco Bilbao Vizcaya Argentaria ranks #5 of 19 scored companies in Banks - Diversified by moat score. The widest moat in Banks - Diversified is Bank of N.T. Butterfield & Son (NTB) at 75/100. The companies ranked closest are HSBC Holdings, plc. (HSBC) at 60 just above it and Royal Bank Of Canada (RY) at 59 just below it.
How is the moat score calculated?
Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 31 companies in Banks - Diversified. The defenses are then weighted to produce the overall score out of 100.
Why is Banco Bilbao Vizcaya Argentaria scored with the Bank Specialized template?
A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.
Which competitive defenses are measured for Banco Bilbao Vizcaya Argentaria?
The Bank Specialized template measures 6 defenses, and BBVA scores: Deposit Franchise (56), Lending Advantage (54), Capital Strength (60), Cost Discipline (92), Revenue Diversification (37), Risk Management (65). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.
We value your privacy
We use cookies to enhance your browsing experience, analyze site traffic, and personalize content. By clicking 'Accept All', you consent to our use of cookies.
Read our cookie policy
Cookie Preferences
Manage your cookie preferences. Essential cookies are always enabled.