AFG vs. BBVA: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AFG and BBVA, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
BBVA’s market capitalization of 89.98 billion USD is significantly greater than AFG’s 10.64 billion USD, highlighting its more substantial market valuation.
BBVA carries a higher beta at 1.42, indicating it’s more sensitive to market moves, while AFG (beta: 0.71) exhibits greater stability.
BBVA is an American Depositary Receipt (ADR), allowing U.S. investors direct exposure to its non-U.S. operations. AFG, on the other hand, is a domestic entity.
| Symbol | AFG | BBVA |
|---|---|---|
| Company Name | American Financial Group, Inc. | Banco Bilbao Vizcaya Argentaria, S.A. |
| Country | US | ES |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Property & Casualty | Banks - Diversified |
| CEO | Stephen Craig Lindner | Onur Genc |
| Price | 127.43 USD | 15.63 USD |
| Market Cap | 10.64 billion USD | 89.98 billion USD |
| Beta | 0.71 | 1.42 |
| Exchange | NYSE | NYSE |
| IPO Date | March 17, 1980 | December 15, 1988 |
| ADR | No | Yes |
Historical Performance
This chart compares the performance of AFG and BBVA by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period.
Data is adjusted for dividends and splits.
Profitability
Return on Equity
AFG
17.81%
Insurance - Property & Casualty Industry
- Max
- 28.14%
- Q3
- 17.51%
- Median
- 12.75%
- Q1
- 8.26%
- Min
- 0.61%
In the upper quartile for the Insurance - Property & Casualty industry, AFG’s Return on Equity of 17.81% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
BBVA
19.46%
Banks - Diversified Industry
- Max
- 20.93%
- Q3
- 14.73%
- Median
- 12.33%
- Q1
- 9.14%
- Min
- 5.86%
In the upper quartile for the Banks - Diversified industry, BBVA’s Return on Equity of 19.46% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
Return on Invested Capital
AFG
27.67%
Insurance - Property & Casualty Industry
- Max
- 21.89%
- Q3
- 10.09%
- Median
- 3.90%
- Q1
- 0.89%
- Min
- -7.26%
Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Property & Casualty industry.
BBVA
4.52%
Banks - Diversified Industry
- Max
- 4.52%
- Q3
- 2.95%
- Median
- 1.89%
- Q1
- 0.86%
- Min
- 0.18%
Return on Invested Capital is often not a primary measure of capital efficiency in the Banks - Diversified industry.
Net Profit Margin
AFG
13.06%
Insurance - Property & Casualty Industry
- Max
- 21.98%
- Q3
- 13.09%
- Median
- 9.18%
- Q1
- 6.10%
- Min
- 2.13%
AFG’s Net Profit Margin of 13.06% is aligned with the median group of its peers in the Insurance - Property & Casualty industry. This indicates its ability to convert revenue into profit is typical for the sector.
BBVA
23.70%
Banks - Diversified Industry
- Max
- 33.40%
- Q3
- 26.40%
- Median
- 19.24%
- Q1
- 14.99%
- Min
- 7.95%
BBVA’s Net Profit Margin of 23.70% is aligned with the median group of its peers in the Banks - Diversified industry. This indicates its ability to convert revenue into profit is typical for the sector.
Operating Profit Margin
AFG
14.02%
Insurance - Property & Casualty Industry
- Max
- 31.70%
- Q3
- 17.32%
- Median
- 12.57%
- Q1
- 7.38%
- Min
- 4.31%
AFG’s Operating Profit Margin of 14.02% is around the midpoint for the Insurance - Property & Casualty industry, indicating that its efficiency in managing core business operations is typical for the sector.
BBVA
36.60%
Banks - Diversified Industry
- Max
- 50.90%
- Q3
- 37.76%
- Median
- 28.44%
- Q1
- 15.73%
- Min
- 8.60%
BBVA’s Operating Profit Margin of 36.60% is around the midpoint for the Banks - Diversified industry, indicating that its efficiency in managing core business operations is typical for the sector.
Profitability at a Glance
| Symbol | AFG | BBVA |
|---|---|---|
| Return on Equity (TTM) | 17.81% | 19.46% |
| Return on Assets (TTM) | 2.64% | 1.37% |
| Return on Invested Capital (TTM) | 27.67% | 4.52% |
| Net Profit Margin (TTM) | 13.06% | 23.70% |
| Operating Profit Margin (TTM) | 14.02% | 36.60% |
| Gross Profit Margin (TTM) | 69.59% | 82.62% |
Financial Strength
Current Ratio
AFG
--
Insurance - Property & Casualty Industry
- Max
- 51.52
- Q3
- 30.84
- Median
- 20.50
- Q1
- 6.61
- Min
- 0.41
Current Ratio data for AFG is currently unavailable.
BBVA
0.28
Banks - Diversified Industry
- Max
- 0.67
- Q3
- 0.49
- Median
- 0.39
- Q1
- 0.28
- Min
- 0.06
For the Banks - Diversified industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio
AFG
0.34
Insurance - Property & Casualty Industry
- Max
- 0.58
- Q3
- 0.36
- Median
- 0.27
- Q1
- 0.14
- Min
- 0.01
AFG’s Debt-to-Equity Ratio of 0.34 is typical for the Insurance - Property & Casualty industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
BBVA
1.96
Banks - Diversified Industry
- Max
- 4.98
- Q3
- 3.65
- Median
- 3.13
- Q1
- 1.73
- Min
- 0.09
BBVA’s Debt-to-Equity Ratio of 1.96 is typical for the Banks - Diversified industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
Interest Coverage Ratio
AFG
11.29
Insurance - Property & Casualty Industry
- Max
- 39.40
- Q3
- 22.24
- Median
- 12.38
- Q1
- 6.68
- Min
- -12.40
AFG’s Interest Coverage Ratio of 11.29 is positioned comfortably within the norm for the Insurance - Property & Casualty industry, indicating a standard and healthy capacity to cover its interest payments.
BBVA
0.93
Banks - Diversified Industry
- Max
- 0.98
- Q3
- 0.78
- Median
- 0.55
- Q1
- 0.31
- Min
- 0.09
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks - Diversified industry.
Financial Strength at a Glance
| Symbol | AFG | BBVA |
|---|---|---|
| Current Ratio (TTM) | -- | 0.28 |
| Quick Ratio (TTM) | -- | 0.28 |
| Debt-to-Equity Ratio (TTM) | 0.34 | 1.96 |
| Debt-to-Asset Ratio (TTM) | 0.05 | 0.14 |
| Net Debt-to-EBITDA Ratio (TTM) | 0.31 | 2.67 |
| Interest Coverage Ratio (TTM) | 11.29 | 0.93 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AFG and BBVA. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
Free Cash Flow Growth
Dividend
Dividend Yield
AFG
7.15%
Insurance - Property & Casualty Industry
- Max
- 8.17%
- Q3
- 3.10%
- Median
- 1.79%
- Q1
- 0.00%
- Min
- 0.00%
With a Dividend Yield of 7.15%, AFG offers a more attractive income stream than most of its peers in the Insurance - Property & Casualty industry, signaling a strong commitment to shareholder returns.
BBVA
5.42%
Banks - Diversified Industry
- Max
- 7.73%
- Q3
- 4.16%
- Median
- 3.24%
- Q1
- 2.27%
- Min
- 0.00%
With a Dividend Yield of 5.42%, BBVA offers a more attractive income stream than most of its peers in the Banks - Diversified industry, signaling a strong commitment to shareholder returns.
Dividend Payout Ratio
AFG
94.24%
Insurance - Property & Casualty Industry
- Max
- 115.20%
- Q3
- 35.27%
- Median
- 22.19%
- Q1
- 3.16%
- Min
- 0.00%
AFG’s Dividend Payout Ratio of 94.24% is in the upper quartile for the Insurance - Property & Casualty industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.
BBVA
37.08%
Banks - Diversified Industry
- Max
- 84.94%
- Q3
- 39.11%
- Median
- 26.91%
- Q1
- 0.00%
- Min
- 0.00%
BBVA’s Dividend Payout Ratio of 37.08% is within the typical range for the Banks - Diversified industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | AFG | BBVA |
|---|---|---|
| Dividend Yield (TTM) | 7.15% | 5.42% |
| Dividend Payout Ratio (TTM) | 94.24% | 37.08% |
Valuation
Price-to-Earnings Ratio
AFG
13.36
Insurance - Property & Casualty Industry
- Max
- 35.83
- Q3
- 23.28
- Median
- 14.49
- Q1
- 11.91
- Min
- 4.47
AFG’s P/E Ratio of 13.36 is within the middle range for the Insurance - Property & Casualty industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
BBVA
7.38
Banks - Diversified Industry
- Max
- 14.13
- Q3
- 13.37
- Median
- 11.90
- Q1
- 9.29
- Min
- 7.43
BBVA’s P/E Ratio of 7.38 is below the typical range for the Banks - Diversified industry. This may indicate that the stock is potentially undervalued, or it could reflect market concerns about the company’s future prospects.
Forward P/E to Growth Ratio
AFG
1.41
Insurance - Property & Casualty Industry
- Max
- 2.53
- Q3
- 1.90
- Median
- 1.33
- Q1
- 0.86
- Min
- 0.01
AFG’s Forward PEG Ratio of 1.41 is within the middle range of its peers in the Insurance - Property & Casualty industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
BBVA
1.45
Banks - Diversified Industry
- Max
- 1.98
- Q3
- 1.41
- Median
- 1.15
- Q1
- 0.77
- Min
- 0.45
A Forward PEG Ratio of 1.45 places BBVA in the upper quartile for the Banks - Diversified industry. This suggests the stock is potentially expensive compared to its peers relative to its growth forecast, which may warrant caution.
Price-to-Sales Ratio
AFG
1.74
Insurance - Property & Casualty Industry
- Max
- 3.76
- Q3
- 2.39
- Median
- 1.80
- Q1
- 1.01
- Min
- 0.50
The P/S Ratio is often not a primary valuation tool in the Insurance - Property & Casualty industry.
BBVA
1.67
Banks - Diversified Industry
- Max
- 4.15
- Q3
- 2.92
- Median
- 2.29
- Q1
- 1.83
- Min
- 0.94
The P/S Ratio is often not a primary valuation tool in the Banks - Diversified industry.
Price-to-Book Ratio
AFG
2.43
Insurance - Property & Casualty Industry
- Max
- 5.34
- Q3
- 2.95
- Median
- 1.92
- Q1
- 1.31
- Min
- 0.52
AFG’s P/B Ratio of 2.43 is within the conventional range for the Insurance - Property & Casualty industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
BBVA
1.41
Banks - Diversified Industry
- Max
- 1.89
- Q3
- 1.47
- Median
- 1.23
- Q1
- 1.10
- Min
- 0.65
BBVA’s P/B Ratio of 1.41 is within the conventional range for the Banks - Diversified industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
Valuation at a Glance
| Symbol | AFG | BBVA |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 13.36 | 7.38 |
| Forward PEG Ratio (TTM) | 1.41 | 1.45 |
| Price-to-Sales Ratio (P/S, TTM) | 1.74 | 1.67 |
| Price-to-Book Ratio (P/B, TTM) | 2.43 | 1.41 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 7.47 | 15.58 |
| EV-to-EBITDA (TTM) | 16.68 | 6.83 |
| EV-to-Sales (TTM) | 1.77 | 2.74 |