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Banco Bilbao Vizcaya Argentaria (BBVA) Stock Analysis

This is a peer-relative look at Banco Bilbao Vizcaya Argentaria (BBVA): its performance, risk, profitability, financial strength, dividend, and valuation are each measured against its Banks peers, so every number reads in context rather than in isolation.

Company Profile

Banco Bilbao Vizcaya Argentaria (BBVA) trades as an ADR rather than ordinary local shares — read it with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Company profile fields for Banco Bilbao Vizcaya Argentaria (BBVA)
Profile ItemBBVA
NameBanco Bilbao Vizcaya Argentaria, S.A.
Country/RegionSpain
GICS SectorFinancials
GICS Industry GroupBanks
GICS IndustryBanks
GICS Sub-IndustryDiversified Banks
Market Capitalization137.93 billion USD
CurrencyUSD
ExchangeNYSE
Listing DateDecember 15, 1988
Security TypeADR

Performance

Cumulative Growth

BBVA
GSPC
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Banco Bilbao Vizcaya Argentaria (BBVA) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Banco Bilbao Vizcaya Argentaria (BBVA) and S&P 500 (GSPC). Returns over one year are annualized.

Performance at a Glance

Banco Bilbao Vizcaya Argentaria (BBVA) metric values compared with Banks industry-group medians
MetricCurrent stock: BBVAIndustry group median
Total Return (1Y)74.79%34.77%

Risk

Drawdown

BBVA
GSPC
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Banco Bilbao Vizcaya Argentaria (BBVA) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Risk at a Glance

Banco Bilbao Vizcaya Argentaria (BBVA) metric values compared with Banks industry-group medians
MetricCurrent stock: BBVAIndustry group median
Volatility (1Y, Annualized)33.65%26.64%
Beta (5Y)0.800.72

Profitability

ROE (TTM)

Banco Bilbao Vizcaya Argentaria (BBVA) posts ROE of 19.04%, in the upper peer quartile. That suggests the company earns more from each dollar of shareholders’ equity than most industry peers, a useful capital-efficiency signal.

BBVA

Banks industry group

19.04%

Group distribution
Max
19.15%
BBVA
19.04%
Q3
13.07%
Median
10.82%
Q1
8.57%
Min
3.15%
Largest peers
BBVA
19.04%
JPM
16.47%
RY
16.20%
WFC
12.03%
HSBC
11.61%
BAC
10.64%
C
7.65%
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Where Banco Bilbao Vizcaya Argentaria (BBVA) stands on ROE within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Banco Bilbao Vizcaya Argentaria (BBVA) keeps 33.12% of revenue as net profit, roughly in line with the peer group’s normal net margin range. Its full cost stack is taking a typical share of sales for the industry.

BBVA

Banks industry group

33.12%

Group distribution
Max
47.55%
Q3
34.61%
BBVA
33.12%
Median
30.31%
Q1
25.62%
Min
12.76%
Largest peers
HSBC
34.98%
JPM
33.94%
RY
33.69%
BBVA
33.12%
BAC
28.96%
WFC
26.74%
C
20.36%
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Where Banco Bilbao Vizcaya Argentaria (BBVA) stands on net margin within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Banco Bilbao Vizcaya Argentaria (BBVA) in Banks: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability at a Glance

Banco Bilbao Vizcaya Argentaria (BBVA) metric values compared with Banks industry-group medians
MetricCurrent stock: BBVAIndustry group median
ROE (TTM)19.04%10.82%
ROA (TTM)1.37%1.15%
Net Margin (TTM)33.12%30.31%
Operating Margin (TTM)----
Gross Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Banco Bilbao Vizcaya Argentaria (BBVA) in Banks: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Banco Bilbao Vizcaya Argentaria (BBVA) in Banks: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength at a Glance

Banco Bilbao Vizcaya Argentaria (BBVA) metric values compared with Banks industry-group medians
MetricCurrent stock: BBVAIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Banco Bilbao Vizcaya Argentaria (BBVA) has dividend yield of 3.76%, in the upper peer-yield quartile while still inside the industry range. The dividend offers more cash income per dollar of share price than most peers, though payout coverage still matters.

BBVA

Banks industry group

3.76%

Group distribution
Max
5.52%
BBVA
3.76%
Q3
3.32%
Median
2.51%
Q1
1.38%
Min
0.00%
Largest peers
BBVA
3.76%
RY
3.16%
WFC
2.13%
BAC
1.96%
JPM
1.81%
C
1.65%
HSBC
0.79%
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Where Banco Bilbao Vizcaya Argentaria (BBVA) stands on dividend yield within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Banco Bilbao Vizcaya Argentaria (BBVA) has payout ratio of 39.66%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

BBVA

Banks industry group

39.66%

Group distribution
Max
74.88%
Q3
42.57%
BBVA
39.66%
Median
29.00%
Q1
19.77%
Min
0.00%
Largest peers
HSBC
61.98%
RY
41.35%
BBVA
39.66%
C
29.17%
JPM
28.24%
BAC
27.30%
WFC
27.05%
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Where Banco Bilbao Vizcaya Argentaria (BBVA) stands on payout ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Dividends at a Glance

Banco Bilbao Vizcaya Argentaria (BBVA) metric values compared with Banks industry-group medians
MetricCurrent stock: BBVAIndustry group median
Dividend Yield (TTM)3.76%2.51%
Dividend Payout Ratio (TTM)39.66%29.00%

Valuation

P/E Ratio (TTM)

Banco Bilbao Vizcaya Argentaria (BBVA) trades at P/E ratio of 11.89, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

BBVA

Banks industry group

11.89

Group distribution
Max
20.92
Q3
15.39
Median
12.84
BBVA
11.89
Q1
11.21
Min
6.47
Largest peers
RY
18.69
C
18.03
HSBC
15.95
JPM
15.88
BAC
14.24
WFC
12.96
BBVA
11.89
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Where Banco Bilbao Vizcaya Argentaria (BBVA) stands on P/E ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

P/S ratio is not assessed for Banco Bilbao Vizcaya Argentaria (BBVA) in Banks: the revenue line is driven by spread economics rather than conventional product or service sales, so book value or earnings usually carry more weight.

P/B Ratio (MRQ)

Banco Bilbao Vizcaya Argentaria (BBVA) trades at 2.26 on P/B ratio, in the higher book-value quartile. The market is paying a premium to book, so stronger ROE, cleaner assets, or a better growth profile need to justify it.

BBVA

Banks industry group

2.26

Group distribution
BBVA
2.26
Max
2.26
Q3
1.57
Median
1.28
Q1
1.11
Min
0.62
Largest peers
HSBC
7.59
RY
3.04
JPM
2.58
BBVA
2.26
WFC
1.58
BAC
1.48
C
1.30
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Where Banco Bilbao Vizcaya Argentaria (BBVA) stands on P/B ratio within its Banks peer group — the box is the group’s distribution and the dots its largest members.

Valuation at a Glance

Banco Bilbao Vizcaya Argentaria (BBVA) metric values compared with Banks industry-group medians
MetricCurrent stock: BBVAIndustry group median
P/E Ratio (TTM)11.8912.84
P/S Ratio (TTM)----
P/B Ratio (MRQ)2.261.28
Free Cash Flow Yield (TTM)----