61/100B25.060
USD
-0.48
(-1.86%)
Post Trading·25.290USD+0.230(+0.92%)
Last updated: · Delayed 15 min
Fair value42.19Plus-41%32Price 25.0653
Q4 FY2026 · Earnings report
EPS estimate 0.55Revenue estimate 12.64B
Q4 FY2026 · Earnings report
EPS estimate 0.55Revenue estimate 12.64B
If you had invested in Banco Bilbao Vizcaya Argentaria SA ago, it would be worth $6,263 today, against $4,128 in SPY and $6,186 in QQQ.
Arincen ScoreWhat is the Arincen Score? The Arincen Score grades a company out of 100 from 30 checks on its own reported figures, five checks in each of six parts.Beta
61/100
Six parts of the company, five checks each, from its own reported figures. A part scores the checks it passes out of 10; the score is their average out of 100.
Profitability10
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Cash6
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Valuation2.5
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Growth8
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Financial strength0
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Shareholders10
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Figures to FY2025; the price as of today.
Banco Bilbao Vizcaya Argentaria SA key facts
- StyleWhat does a stock's style mean? The style label sorts a stock as growth, value, dividend, blend or speculative, with a 1 to 10 meter showing how strongly it fits.
- Dividend stock · 7.0/10Growth 4.7 · Value 5.3 · Dividend 7.0
- Day range
- 25.045 – 25.490
- 52-week range
- 20.100 – 29.640
- Market capitalizationWhat is market capitalization? Market cap is what the stock market values a whole company at: its share price times the number of its shares outstanding.
- 138.54B USD
- P/EWhat is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- 11.35
- PEG ratioWhat is the PEG ratio? The PEG ratio divides the P/E by the yearly earnings growth analysts expect, to show how much you pay for each point of growth.
- 0.78
- EPSWhat is EPS (earnings per share)? EPS (earnings per share) is a company's net income divided by its number of shares: the profit that belongs to each share over a period.
- 2.21
- Div YieldWhat is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- 3.30%
- EPS growth forecast (FY2026)
- +18.3%
- Volume
- 200
- BetaWhat is beta in stocks? Beta measures how much a stock tends to move when the whole market moves: 1 moves with it, under 1 is calmer, over 1 swings more.
- 0.87
- ESG scoreWhat is an ESG score? An ESG score rates how a company handles the environment, its people and its governance, out of 100. Higher is better.
- 61.6/100Environment 51 · Social 69 · Governance 65
- Sector
- Financial Services
- Industry
- Banks - Diversified
- CEO
- Onur Genc
- Employees
- 127K
- Website
- bbva.com
- IPO date
- 15 Dec 1988
Banco Bilbao Vizcaya Argentaria SA earningsWhat is an earnings surprise? An earnings surprise is how far a company's reported EPS or revenue came above or below the analysts' average estimate, in percent.
Next earnings · Q4 FY2026
EPS estimate
0.55 USD
Revenue estimate
12.64B USD
Last quarter · Q3 FY2026
EPS0.61Missed -1.6%Revenue12.18BBeat +0.8%
Revenue
ReportedEstimate
EPS
ReportedEstimate
| Period | Report date | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|---|
| Q4 FY2026 | 0.55 | — | — | +10.00% | 12.64B | — | — | +9.46% | |
| Q3 FY2026 | 0.62 | 0.61 | -1.61% | +24.49% | 12.08B | 12.18B | +0.83% | -41.90% | |
| Q2 FY2026 | 0.59 | 0.63 | +6.78% | +21.15% | 11.94B | 12.09B | +1.21% | +17.84% | |
| Q1 FY2026 | 0.57 | 0.60 | +5.26% | +27.66% | 11.78B | 12.50B | +6.12% | -37.67% | |
| Q4 FY2025 | 0.50 | 0.50 | 0.00% | +13.64% | 11.24B | 11.55B | +2.81% | +18.81% | |
| Q3 FY2025 | 0.48 | 0.49 | +2.08% | -5.77% | 10.63B | 20.97B | +97.20% | +119.31% | |
| Q2 FY2025 | 0.47 | 0.52 | +10.64% | -6.64% | 10.31B | 10.26B | -0.56% | +16.39% |
| Period | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|
| FY2028 | 2.95 | — | — | +10.49% | 54.34B | — | — | +5.62% |
| FY2027 | 2.67 | — | — | +13.90% | 51.45B | — | — | +7.13% |
| FY2026 | 2.34 | — | — | +18.30% | 48.02B | — | — | -23.55% |
| FY2025 | 2.10 | 1.98 | -5.80% | +3.78% | 42.89B | 62.82B | +46.45% | +70.13% |
| FY2024 | 1.74 | 1.91 | +9.92% | +32.23% | 36.35B | 36.92B | +1.59% | -2.55% |
| FY2023 | 1.41 | 1.44 | +2.28% | +28.82% | 32.20B | 37.89B | +17.68% | +38.53% |
| FY2022 | 1.05 | 1.12 | +6.88% | +48.31% | 25.92B | 27.35B | +5.51% | +0.37% |
Banco Bilbao Vizcaya Argentaria SA analyst forecastWhat is the analyst rating? The analyst rating sums up what the analysts covering a stock recommend, from strong buy to strong sell, by the share of them rating it a buy.
Strong sellStrong buy
Hold
1 ratings
| Buy | 0 | |
| Hold | 1 | |
| Sell | 0 |
Banco Bilbao Vizcaya Argentaria SA valuationWhat is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- Price to earnings ratio (TTM)What is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- 11.35
- Forward P/E (FY2026)What is the forward P/E ratio? Forward P/E divides a share's price by the earnings per share analysts expect in the coming year, rather than last year's actual earnings.
- 10.70
- Price to sales (TTM)What is the P/S ratio? The price-to-sales ratio compares a company's market value with its revenue over the last year: what you pay for each dollar of sales.
- 2.97
- Price to bookWhat is the P/B ratio? The price-to-book ratio compares a company's market value with its book value, the shareholders' equity on its balance sheet.
- 2.16
- EV / EBITDA (TTM)What is EV/EBITDA? EV/EBITDA compares a company's whole value, debt included and cash taken off, with a year of its earnings before interest, tax and depreciation.
- -4.46
Capital structureWhat is enterprise value? Enterprise value is what the whole business costs: the market value of its shares plus its debt minus its cash. It is the price behind EV/EBITDA.
Market capitalization
138.54B USD
+
Total debt
123.60B USD
−
Cash and short-term investments
359.20B USD
=
Enterprise value
-97.07B USD
Valuation over time
P/EForward P/EForward P/E · EstimateEstimate
Banco Bilbao Vizcaya Argentaria SA against its own historyWhat does "against its own history" show? The company's latest margins, return on equity, growth, debt and P/E against its own last 5 years: the low, the median and the high, and whether this year is better or worse than usual.
Each figure in the latest fiscal year against the same figure from FY2021 to FY2025: the range, its median (the line) and the latest (the dot, green on the good side of the median). The P/E is today's against its daily readings of five years.
Its peers: Citigroup, Wells Fargo &, Bank of America, and JPMorgan Chase &, the US Banks - Diversified companies closest to it in size, each in its own latest fiscal year: their median (the line) and its rank among them, first being the best.
- P/E (today)Above its median11.45.418.0
- Gross marginHighest in 5 years83.6%-18.8%83.6%Against its peers: 1 of 5Peers' median 58.0%
- Operating marginHighest in 5 years43.9%21.3%43.9%Against its peers: 1 of 5Peers' median 20.0%
- Net marginHighest in 5 years28.5%13.8%28.5%Against its peers: 1 of 5Peers' median 16.6%
- Return on equityHighest in 5 years18.3%10.6%18.3%Against its peers: 1 of 5Peers' median 10.9%
- Free cash flow marginAbove its median35.6%-54.6%52.7%Against its peers: 1 of 5Peers' median -29.7%
- Revenue growthBelow its median4.1%-39.0%44.1%Against its peers: 1 of 5Peers' median -0.9%
- EPS growthLowest in 5 years0.6%0.6%378.6%Against its peers: 5 of 5Peers' median 17.6%
- Debt to EBITDALowest in 5 years4.61×4.61×13.69×Against its peers: 1 of 5Peers' median 12.26×
- Current ratioHighest in 5 years0.440.320.44Against its peers: 3 of 5Peers' median 0.45
Peers: US companies of the same industry (of its sector when the industry has too few) from a tenth to ten times its market value, the six closest in size. Updated weekly.
Banco Bilbao Vizcaya Argentaria SA growth and profitabilityWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.
- Revenue (TTM)What does TTM (trailing twelve months) mean? TTM (trailing twelve months) is a figure over the latest twelve months of reports: usually the last four quarters added together.
- 41.88B EUR
- Net income (TTM)What is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
- 11.58B EUR
- Gross marginWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.
- 82.86%
- Operating margin
- 43.53%
- Net margin
- 27.65%
Revenue / Net income
Revenue Net income Net margin
How Banco Bilbao Vizcaya Argentaria SA makes its moneyWhat is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
Revenue36.93B 100.0%
Cost of revenue6.07B 16.4%
Gross profit30.86B 83.6%
Selling and administration12.81B 34.7%
Other operating expenses1.82B 4.9%
Operating income16.23B 43.9%
Tax5.10B 13.8%
Other expense616.00M 1.7%
Net income10.51B 28.5%
FY2025, in EUR. Each band is as wide as its money; the percentage is its share of revenue.
FY2025, in EUR. Each band is as wide as its money; the percentage is its share of revenue.
Banco Bilbao Vizcaya Argentaria SA dividendsWhat is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- Annual dividend
- 0.83 USD
- Dividend yield (indicated)What is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- 3.30%
- Payout ratioWhat is the payout ratio? The payout ratio is the share of a company's earnings paid out as dividends: dividends per share divided by earnings per share (EPS).
- 50.83%
- Years of dividend growthWhat are years of dividend growth? The years in a row a company has raised its dividend per share. 25 years make an S&P 500 company a Dividend Aristocrat; 50 make a Dividend King.
- 2
- Frequency
- Semi-annual
- Last payment
- 0.41 USD
- Last ex-dividend dateWhat is the ex-dividend date? The ex-dividend date is the first day a stock trades without its next dividend: buy before it to receive the payment; buy on or after it and the seller gets it.
- 14 Oct 2026
- Last payment date
- 30 Oct 2026
Dividends per share
Banco Bilbao Vizcaya Argentaria SA financial health
- Cash and short-term investments
- 322.23B EUR
- Total debt
- 110.87B EUR
- Net cash
- 211.35B EUR
- Free cash flow (TTM)What is free cash flow (FCF)? Free cash flow is the cash a company's operations bring in minus what it spends on long-term assets (capex): cash left for debt, dividends and buybacks.
- -98.47B EUR
- Current ratioWhat is the current ratio? The current ratio is current assets divided by current liabilities: whether what a company will turn into cash within a year covers what it owes within a year.
- 0.09
- Debt to equityWhat is the debt to equity ratio? Debt to equity is a company's total debt divided by its shareholders' equity: how much it has borrowed for each dollar its owners have in the business.
- 1.93
- Piotroski scoreWhat is the Piotroski F-Score? The Piotroski F-Score rates a company's financial strength from 0 to 9: one point for each of nine tests of profit, debt and efficiency it passes.
- 4 / 9
- Altman Z-scoreWhat is the Altman Z-Score? The Altman Z-Score rolls five financial ratios into one number that signals a company's risk of bankruptcy: over 3 is safe, under 1.8 is distress.
- -0.59
Cash, debt and free cash flow
Cash and short-term investments Total debt Free cash flow
Banco Bilbao Vizcaya Argentaria SA ownershipWhat is institutional ownership? Institutional ownership is the share of a company's stock held by funds, banks and other investment managers, as they report it each quarter on Form 13F.
- InstitutionsWhat is institutional ownership? Institutional ownership is the share of a company's stock held by funds, banks and other investment managers, as they report it each quarter on Form 13F.
- 3.12%
- Institutional holders
- 539 (+40)
- Free floatWhat is free float? Free float is the part of a company's shares that anyone can buy and sell: all its shares minus those held by insiders, founders and owners of over 5%.
- 98.16%
Who owns the shares
Institutions 3.1% Others 96.9%
As of 30 Jun 2026
Shares free to trade
Free float 5.43B shares ·98.2% Closely held 101.94M shares ·1.8%
Closely held shares belong to insiders, founders and owners of more than 5%, and seldom change hands. The free float is the rest: the shares anyone can buy and sell.
Shares outstanding
Basic shares Diluted shares Change in diluted shares
Source: Financial Modeling Prep
Title: Banco Bilbao Vizcaya Argentaria SA
Sector: Financial Services
Industry: Banks - Diversified
Despite its Spanish origins, Banco Bilbao Vizcaya Argentaria generates only around one-fourth of its profits in Spain. We expect that on a normalized basis, BBVA's market-leading Mexican bank should contribute half of its earnings, while its Turkish operation should account for another 15%. The balance of BBVA's earnings comes from smaller operations in South America. BBVA is overwhelmingly a retail and commercial bank, with corporate and investment banking forming a minor part of the overall business. BBVA also offers insurance and investment products through its banking networks.