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Stock Banco Bilbao Vizcaya Argentaria, S.A. BBVA.MC

Banco Bilbao Vizcaya Argentaria, S.A. — Investlytic score 4/5 on the five criteria.

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80/ 100
Score Investlytic · 5 criteria

Analysis in progress…

Investlytic score: 4/5 criteria met. Data as of 04/11/2026.

  • ✅ Price trend passed
  • ✅ Growth passed
  • ❌ Debt failed
  • ✅ P/E passed
  • ✅ Correction passed

Price trend

Overall trend (8 years): the price has been multiplied by at least 1.5.

Price change 2018 → 2019: 7.33%

Price change 2019 → 2020: -18.88%

Price change 2020 → 2021: 29.95%

Price change 2021 → 2022: 7.24%

Price change 2022 → 2023: 46.18%

Price change 2023 → 2024: 14.82%

Price change 2024 → 2025: 112.17%

Price change 2025 → 2026: 7.28%

Price change 2026 (year to date): 5.54%

Financial growth

Revenue CAGR (8 years): 6.62%

Earnings CAGR (8 years): 9.98%

Growth status: positive trend (>1%/yr) in revenue and earnings.

Debt

Debt-to-equity ratio: 2.94

Debt/equity > 0.5 (maximum threshold).

P/E (Price/Earnings)

P/E ratio: 10.76

P/E < 25.0 (maximum threshold).

Correction (6 months)

Current correction: 15.35% from the high over 6 months.

Correction between 10.0% and 20.0% (target range).

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Criteria of the Investlytic model

- / 5
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Price trend

Price & trend

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⚖️ Comparison with the market

All stocks →
StockP/EDette/FPRevenue growthRating
Banco Bilbao Vizcaya Argentaria, S.A.11.52.94+3.5 %🔒
BNP Paribas S.A.7.46.45+7.4 %–
AXA S.A.11.01.45−0.8 %–
Allianz SE14.30.46+2.6 %★ 4/5
CaixaBank, S.A.13.82.22+17.8 %★ 4/5

Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.

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Detailed analysis · Price trend

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Global model trend and annual price variations · visible with a free account.

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Revenues & profits

Revenue and net income

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Chart of revenues and net income over 8 periods · real data, no estimates.

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Financial indicators

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18 financial indicators analyzed by groups of criteria: valuation, profitability, growth, solidity, dividend, and momentum.

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Annual financial statements

Fiscal yearRevenueNet income Net marginEPSRevenue growth
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Complete annual financial statements: revenue, net income, margin, and EPS over 8 fiscal years.

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Key reported figures

Revenue, net income and net margin reported by Banco Bilbao Vizcaya Argentaria, S.A. over the latest fiscal years.

Revenue
41.2 bn USD
fiscal year 2025
Net income
11.7 bn USD
fiscal year 2025
Net margin
28.5 %
fiscal year 2025
Average annual growth
+10.6 %
Revenue growth over 5 years
Average annual growth
+3.6 %
Revenue growth over 10 years
Market cap
139 bn USD
Fiscal yearRevenueNet incomeNet marginRevenue growth
202024.8 bn1.5 bn5.9 %n/a
202134.9 bn5.2 bn14.8 %+40.6 %
202245.0 bn7.1 bn15.8 %+28.9 %
202364.9 bn8.9 bn13.8 %+44.1 %
202439.6 bn11.2 bn28.3 %-39.0 %
202541.2 bn11.7 bn28.5 %+4.1 %

Amounts converted to USD. Source: published annual accounts, collected on 06/11/2026.

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Accounts and financial health

Balance sheet and cash flow published by Banco Bilbao Vizcaya Argentaria, S.A. over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).

Overview
solid accounts
according to Altman Z, Piotroski and net debt
Altman Z-score
n/a
not applicable to banks and insurance
Piotroski Score
6 / 9
4 to 6: average accounts
Net Debt / EBITDA
0.15 x
low debt
Fiscal year20212022202320242025
Cash and investments229 bn225 bn257 bn119 bn169 bn
Total Debt116 bn115 bn179 bn144 bn168 bn
Net Debt41.5 bn29.5 bn95.7 bn84.5 bn98.5 bn
Equity43.9 bn46.9 bn51.7 bn55.7 bn57.4 bn
Total assets663 bn712 bn776 bn772 bn860 bn
Operating cash flow-1.2 bn23.7 bn-721 m33.9 bn118 bn
Investments (capex)946 m2.4 bn1.1 bn1.2 bn1.8 bn
Free cash-flow-2.2 bn21.3 bn-2.5 bn32.7 bn117 bn
Share buybacks1.0 bn3.0 bn2.2 bn1.5 bn2.0 bn
Dividends paid926 m2.2 bn2.8 bn3.9 bn4.2 bn

Amounts in EUR, currency of the published accounts.

Trailing 12-month ratios

Price / earnings (P/E)11.14 x
Price / book value2.17 x
Return on Equity (ROE)20.2 %
Return on Invested Capital (ROIC)4.5 %
Net margin27.6 %
Debt / equity1.93 x
Current ratio0.45 x
Interest coverage2.06 x
Free cash-flow yield20.5 %

Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 09/11/2026.

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Valuation and competitors

Banco Bilbao Vizcaya Argentaria, S.A. compared with its sector on the same exchange and with its main competitors.

Company P/E
11.4

Direct competitors

CompanyMarket cap (USD)P/ENet margin
Banco Bilbao Vizcaya Argentaria, S.A.130 bn11.528.5 %
Banco Santander, S.A. SAN.MC165 bn9.711.8 %
CaixaBank, S.A. CABK.MC87.0 bn13.822.6 %
Banco de Sabadell, S.A. SAB.MC18.2 bn4.222.8 %
Bankinter, S.A. BKT.MC14.0 bn11.123.1 %
Unicaja Banco, S.A. UNI.MC9.1 bn13.224.5 %
Alpha Bank S.A. ALPHA.AT11.3 bn11.720.6 %
Banco Comercial Português, S.A. BCP.LS17.8 bn14.118.9 %
Eurobank Ergasias Services and Holdings S.A. EUROB.AT18.0 bn11.841.2 %

Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on 06/11/2026. Competitors: comparable companies named by the data provider.

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Analyst consensus and forecasts

What the financial analysts covering Banco Bilbao Vizcaya Argentaria, S.A. publish: ratings, price targets and earnings forecasts.

Majority rating
buy
11 analysts

Breakdown of ratings

strong buy 0buy 6hold 4sell 1strong sell 0

Price targets: published for companies listed in the United States only.

Analyst forecasts

Fiscal yearRevenueNet incomeExpected EPS (range)P/E on this EPSAnalysts
202642.8 bn12.0 bn2.09 (2.02 / 2.17)10.110
202745.6 bn13.7 bn2.38 (2.28 / 2.49)8.811
202848.1 bn15.0 bn2.62 (2.44 / 2.78)8.09

Amounts in EUR, the reporting currency.

Track record against expectations: reported EPS above consensus 8 times over the last 12 releases.

Source: ratings and forecasts published by analysts, collected on 07/11/2026. An analyst rating or target is not a guarantee.

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Dividends and earnings

Banco Bilbao Vizcaya Argentaria, S.A.: dividend history, last distributions, stock splits and earnings releases.

Frequency
semi-annual
Last dividend
0.370 EUR
ex-dividend on 13/10/2026
Last 12 months
0.970 EUR
number of payments: 2
Yield
3.6 %
on the last known price
Years of increases
5
consecutive
Years of payments
26
uninterrupted
00.240.480.730.972007 : 0.650 EUR2008 : 0.733 EUR20082009 : 0.333 EUR2010 : 0.317 EUR20102011 : 0.439 EUR2012 : 0.417 EUR20122013 : 0.420 EUR2014 : 0.408 EUR20142015 : 0.290 EUR2016 : 0.369 EUR20162017 : 0.301 EUR2018 : 0.231 EUR20182019 : 0.241 EUR2020 : 0.160 EUR20202021 : 0.139 EUR2022 : 0.350 EUR20222023 : 0.470 EUR2024 : 0.680 EUR20242025 : 0.730 EUR2026 : 0.970 EUR2026

Annual dividend per share (EUR), adjusted for splits. Light bar: current year, incomplete. Red bar: lower than the previous year.

Latest ex-dividend dates

Ex-dividendAmountPayment
13/10/20260.370 EUR15/10/2026
08/04/20260.600 EUR15/10/2026
05/11/20250.320 EUR07/11/2025
08/04/20250.410 EUR10/04/2025
08/10/20240.290 EUR10/10/2024
08/04/20240.390 EUR10/04/2024
09/10/20230.160 EUR11/10/2023
03/04/20230.310 EUR05/04/2023

Earnings releases

DatePublished EPSExpected EPSSurprise
29/10/20260.540.54-0.7 %
30/07/20260.530.51+4.1 %
30/04/20260.500.47+7.8 %
05/02/20260.430.43-0.1 %
29/10/20250.430.45-4.1 %
29/07/20250.470.42+11.9 %

Stock splits

DateOperation
30/09/2013reverse split: 82 share for 83
05/11/2010split: 26 shares for 25
14/04/2009split: 63 shares for 62

Factual data: ex-dividend history and earnings calendar, as of 05/11/2026. A past dividend does not guarantee the next one.

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Who owns the stock

Free float, institutional investors, large funds, executives and elected officials: declared positions in Banco Bilbao Vizcaya Argentaria, S.A.

Free float
97.9 %
share of freely traded shares

Sources: 13F filings (quarter shown), executives' Form 4 filings and US Congress members' disclosures, collected on 01/11/2026. Detailed disclosure obligations mainly apply to companies listed in the United States.

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PEA and practical information

PEA eligibility
likely
head office in the EU or EEA, listed on a European exchange
Listing exchange
Bolsa de Madrid
IPO: 03/01/2000
ISIN code
ES0113211835
Workforce
124,741
full-time employees
Chief executive
Onur Genc
Next earnings
04/02/2027

Rule applied: the French PEA accepts shares of companies headquartered in the European Union or the European Economic Area and subject to corporate income tax; ADRs and tax-exempt property companies (SIIC) are excluded. The institution holding the PEA confirms eligibility.

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Frequently asked questions about Banco Bilbao Vizcaya Argentaria, S.A.

What is the Banco Bilbao Vizcaya Argentaria, S.A. share price?

Latest recorded price: 22.73 EUR on 06/11/2026, for a market cap of 139 bn USD.

What is the revenue of Banco Bilbao Vizcaya Argentaria, S.A.?

41.2 bn USD for fiscal year 2025, with net income of 11.7 bn USD (net margin 28.5 %).

Does Banco Bilbao Vizcaya Argentaria, S.A. pay a dividend?

Yes. Latest dividend: 0.370 EUR per share, ex-dividend on 13/10/2026. Over 12 months: 0.970 EUR. Yield on the latest known price: 3.6 %.

When does Banco Bilbao Vizcaya Argentaria, S.A. report its next earnings?

The next release is expected on 04/02/2027. EPS expected by analysts: 0.51.

What do analysts say about Banco Bilbao Vizcaya Argentaria, S.A.?

Out of 11 analysts: 6 buy or strong buy, 4 hold, 1 sell or strong sell.

What is the P/E ratio of Banco Bilbao Vizcaya Argentaria, S.A.?

Trailing 12-month P/E of 11.4.

Is Banco Bilbao Vizcaya Argentaria, S.A. stock eligible for the French PEA?

Likely: the company is headquartered in the European Union or the European Economic Area (ISIN ES0113211835) and the stock is listed on a European exchange. The institution holding the PEA confirms eligibility.

How many employees does Banco Bilbao Vizcaya Argentaria, S.A. have?

124,741 full-time employees according to the latest published profile.

Who runs Banco Bilbao Vizcaya Argentaria, S.A.?

Onur Genc is the company's chief executive.

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