BBVA Financial Services

Banco Bilbao Vizcaya Argentaria, S.A.

$24.00+0.25%

Price as of close on Nov 3, 2026 · Financials updated Nov 1, 2026

Basics

Sector: Financial Services
Industry: Banks - Diversified
Country: Spain
Market cap: 132.0B USD
Full-time employees: 127,216

Overall health

Strength: more profitable than most peersmore profitable than peers
Drawback: growing more slowly than most peersgrowing more slowly than peers
Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Ranks #455 of 791 banks & insurance companies (bottom 43%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Financials may be out of date. Latest financial period ended 10 months ago.
The latest financial period we have ended 10 months ago, so the scores may not reflect recent results.

StockQuotient Score

48/ 100▲ 1 since Oct 28 close

Oct 5 46 → Nov 4 48 (+2)

Valuation

Is the price right?

39/100

Weak▲ 2 since Oct 28 close

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 28, 2026 close: Score 37 → 39

Share price -4.0%+2

Each step re-scores the company against its peers as they were on Oct 29, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Weaker than most peers on:

▼ P/B

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield50.7%

SEC filings (IFRS mapped) · latest balance sheet · EUR→USD at the current rateReported value40% base weight · Z-score -1.01Sector median: 0.7950 · MAD: 0.2843

Earnings yield8.6%

SEC filings (IFRS mapped) · 12 months to Dec 2025 · EUR→USD at the current rateReported value60% base weight · Z-score 0.29Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield11.6%

SEC filings (IFRS mapped) · 12 months to Dec 2025 · EUR→USD at the current rate · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

35/100

Weak

1/1 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth5.5%

SEC filings (IFRS mapped) · 12 months to Dec 2025Reported value100% base weight · Z-score -0.59Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth12.0%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth0.5%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

70/100

Moderate

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Stronger than most peers on:

▲ ROE

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.2%

SEC filings (IFRS mapped) · 12 months to Dec 2025Reported value50% base weight · Z-score 0.08Sector median: 0.0117 · MAD: 0.0062

Return on equity17.0%

SEC filings (IFRS mapped) · 12 months to Dec 2025Reported value50% base weight · Z-score 1.61Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Banco Bilbao Vizcaya Argentaria

Is Banco Bilbao Vizcaya Argentaria getting weaker?: Its latest SEC filing (Feb 20, 2026) showed no major changes. Its overall score is 48/100, up 1 since Oct 29, 2026.
How is Banco Bilbao Vizcaya Argentaria valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 39/100 against 950 banks & insurance peers. Book yield 50.7% vs a peer median of 79.5% (weaker than 77% of peers).Book yield 50.7% vs peers 79.5% (weaker than 77% of peers).
Is Banco Bilbao Vizcaya Argentaria growing?: More slowly than most of its peers. Growth scores 35/100 against 950 banks & insurance peers. Earnings per share growth 5.5% vs a peer median of 16.0% (weaker than 65% of peers).Earnings per share growth 5.5% vs peers 16.0% (weaker than 65% of peers).
How profitable is Banco Bilbao Vizcaya Argentaria?: More profitable than most of its peers. Profitability scores 70/100 against 950 banks & insurance peers. Return on equity 17.0% vs a peer median of 10.7% (stronger than 82% of peers).Return on equity 17.0% vs peers 10.7% (stronger than 82% of peers).
How risky is Banco Bilbao Vizcaya Argentaria?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Dec 31, 2025 · filed Feb 20, 2026 · compared with the quarter ended Jun 30, 2025

No major changes

	Previous quarter	Latest quarter	Change
Net income (12 months)	10.5B EUR	10.5B EUR	+0.0%
Free cash flow (12 months)	1.8B EUR	14.1B EUR	+679.1%
Cash	40.0B EUR	58.8B EUR	+47.0%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Financials

Fiscal years from SEC annual filings · change vs the prior year · amounts in EUR, as reported

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Return on assets (ROA)	0.7%	0.9%	1.0%	1.3%	1.2%	▼ 0.1 pts
Return on equity (ROE)	9.5%	12.6%	14.5%	16.8%	17.0%	▲ 0.3 pts
Interest coverage	0.90×	0.84×	0.50×	0.42×	0.50×	▲ 19%

BBVA price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

Strength: more profitable than most peersmore profitable than peers

Drawback: growing more slowly than most peersgrowing more slowly than peers

Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Ranks #455 of 791 banks & insurance companies (bottom 43%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about Banco Bilbao Vizcaya Argentaria

Is Banco Bilbao Vizcaya Argentaria getting weaker?

Its latest SEC filing (Feb 20, 2026) showed no major changes. Its overall score is 48/100, up 1 since Oct 29, 2026.

How is Banco Bilbao Vizcaya Argentaria valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 39/100 against 950 banks & insurance peers. Book yield 50.7% vs a peer median of 79.5% (weaker than 77% of peers).Book yield 50.7% vs peers 79.5% (weaker than 77% of peers).

Is Banco Bilbao Vizcaya Argentaria growing?

More slowly than most of its peers. Growth scores 35/100 against 950 banks & insurance peers. Earnings per share growth 5.5% vs a peer median of 16.0% (weaker than 65% of peers).Earnings per share growth 5.5% vs peers 16.0% (weaker than 65% of peers).

How profitable is Banco Bilbao Vizcaya Argentaria?

More profitable than most of its peers. Profitability scores 70/100 against 950 banks & insurance peers. Return on equity 17.0% vs a peer median of 10.7% (stronger than 82% of peers).Return on equity 17.0% vs peers 10.7% (stronger than 82% of peers).

How risky is Banco Bilbao Vizcaya Argentaria?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Net income (12 months)

10.5B EUR

10.5B EUR

+0.0%

Free cash flow (12 months)

1.8B EUR

14.1B EUR

+679.1%

Cash

40.0B EUR

58.8B EUR

+47.0%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Return on assets (ROA)

0.7%

0.9%

1.0%

1.3%

1.2%

▼ 0.1 pts

Return on equity (ROE)

9.5%

12.6%

14.5%

16.8%

17.0%

▲ 0.3 pts

Interest coverage

0.90×

0.84×

0.50×

0.42×

0.50×

▲ 19%