BBVA vs. C: Banco Bilbao Vizcaya Argentaria vs. Citigroup Stock Comparison
How do Banco Bilbao Vizcaya Argentaria (BBVA) and Citigroup (C) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Banco Bilbao Vizcaya Argentaria (BBVA) and Citigroup (C) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
Citigroup (C) trades as ordinary local shares, while Banco Bilbao Vizcaya Argentaria (BBVA) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.
| Profile Item | BBVA | C |
|---|---|---|
| Name | Banco Bilbao Vizcaya Argentaria, S.A. | Citigroup Inc. |
| Country/Region | Spain | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Diversified Banks |
| Market Capitalization | 137.93 billion USD | 248.45 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | December 15, 1988 | January 3, 1977 |
| Security Type | ADR | Common Stock |
Performance
Cumulative Growth
Trailing Returns
Performance at a Glance
| Metric | BBVA | C |
|---|---|---|
| Total Return (1Y) | 74.79% | 89.89% |
Risk
Drawdown
Risk at a Glance
| Metric | BBVA | C |
|---|---|---|
| Volatility (1Y, Annualized) | 33.65% | 28.31% |
| Beta (5Y) | 0.80 | 1.11 |
| Avg. Volume (3M) | 1.81M | 12.35M |
Profitability
ROE (TTM)
Banco Bilbao Vizcaya Argentaria (BBVA) at 19.04% sits in the top ROE quartile, while Citigroup (C) at 7.65% is in the bottom quartile, showing a clear gap in returns on equity.
BBVA
Banks industry group
19.04%
- Max
- 19.15%
- BBVA
- 19.04%
- Q3
- 13.07%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
C
Banks industry group
7.65%
- Max
- 19.15%
- Q3
- 13.07%
- Median
- 10.82%
- Q1
- 8.57%
- C
- 7.65%
- Min
- 3.15%
Net Margin (TTM)
Banco Bilbao Vizcaya Argentaria (BBVA) at 33.12% keeps about the industry-typical share of revenue as profit, while Citigroup (C) at 20.36% retains only a bottom-quartile share.
BBVA
Banks industry group
33.12%
- Max
- 47.55%
- Q3
- 34.61%
- BBVA
- 33.12%
- Median
- 30.31%
- Q1
- 25.62%
- Min
- 12.76%
C
Banks industry group
20.36%
- Max
- 47.55%
- Q3
- 34.61%
- Median
- 30.31%
- Q1
- 25.62%
- C
- 20.36%
- Min
- 12.76%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and Citigroup (C) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.
Profitability at a Glance
| Metric | BBVA | C |
|---|---|---|
| ROE (TTM) | 19.04% | 7.65% |
| ROA (TTM) | 1.37% | 0.61% |
| Net Margin (TTM) | 33.12% | 20.36% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Revenue Growth at a Glance
| Metric | BBVA | C |
|---|---|---|
| Revenue Growth (YoY) | 0.46% | 5.63% |
| Revenue Growth (3Y CAGR) | 11.99% | 4.59% |
EPS Growth
EPS Growth at a Glance
| Metric | BBVA | C |
|---|---|---|
| EPS Growth (YoY) | 4.76% | 17.68% |
| EPS Growth (3Y CAGR) | 21.55% | -0.05% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and Citigroup (C) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and Citigroup (C) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength at a Glance
| Metric | BBVA | C |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Banco Bilbao Vizcaya Argentaria (BBVA) at 3.76% delivers top-quartile income for its industry, while Citigroup (C) at 1.65% pays a more typical yield — both are credible income propositions, BBVA the richer one.
BBVA
Banks industry group
3.76%
- Max
- 5.52%
- BBVA
- 3.76%
- Q3
- 3.32%
- Median
- 2.51%
- Q1
- 1.38%
- Min
- 0.00%
C
Banks industry group
1.65%
- Max
- 5.52%
- Q3
- 3.32%
- Median
- 2.51%
- C
- 1.65%
- Q1
- 1.38%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Banco Bilbao Vizcaya Argentaria (BBVA) at 39.66% and Citigroup (C) at 29.17% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.
BBVA
Banks industry group
39.66%
- Max
- 74.88%
- Q3
- 42.57%
- BBVA
- 39.66%
- Median
- 29.00%
- Q1
- 19.77%
- Min
- 0.00%
C
Banks industry group
29.17%
- Max
- 74.88%
- Q3
- 42.57%
- C
- 29.17%
- Median
- 29.00%
- Q1
- 19.77%
- Min
- 0.00%
Dividends at a Glance
| Metric | BBVA | C |
|---|---|---|
| Dividend Yield (TTM) | 3.76% | 1.65% |
| Dividend Payout Ratio (TTM) | 39.66% | 29.17% |
Valuation
P/E Ratio (TTM)
Banco Bilbao Vizcaya Argentaria (BBVA) at 11.89 is near its industry’s usual P/E ratio, while Citigroup (C) at 18.03 sits in the richer quartile — C needs stronger growth or earnings quality to justify the premium.
BBVA
Banks industry group
11.89
- Max
- 20.92
- Q3
- 15.39
- Median
- 12.84
- BBVA
- 11.89
- Q1
- 11.21
- Min
- 6.47
C
Banks industry group
18.03
- Max
- 20.92
- C
- 18.03
- Q3
- 15.39
- Median
- 12.84
- Q1
- 11.21
- Min
- 6.47
P/S Ratio (TTM)
P/S ratio is set aside for both Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and Citigroup (C) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.
P/B Ratio (MRQ)
Citigroup (C) at 1.30 is valued about in line with its industry on P/B ratio, while Banco Bilbao Vizcaya Argentaria (BBVA) at 2.26 carries an above-peer premium to book — BBVA is pricier on assets.
BBVA
Banks industry group
2.26
- BBVA
- 2.26
- Max
- 2.26
- Q3
- 1.57
- Median
- 1.28
- Q1
- 1.11
- Min
- 0.62
C
Banks industry group
1.30
- Max
- 2.26
- Q3
- 1.57
- C
- 1.30
- Median
- 1.28
- Q1
- 1.11
- Min
- 0.62
Valuation at a Glance
| Metric | BBVA | C |
|---|---|---|
| P/E Ratio (TTM) | 11.89 | 18.03 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 2.26 | 1.30 |
| Free Cash Flow Yield (TTM) | -- | -- |