BBVA vs. COF: A Head-to-Head Stock Comparison

Updated on August 19, 2025

Here’s a clear look at BBVA and COF, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

BBVA trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, COF is a standard domestic listing.

Symbol	BBVA	COF
Company Name	Banco Bilbao Vizcaya Argentaria, S.A.	Capital One Financial Corporation
Country	Spain	United States
GICS Sector	Financials	Financials
GICS Industry	Banks	Consumer Finance
Market Capitalization	107.76 billion USD	138.76 billion USD
Exchange	NYSE	NYSE
Listing Date	December 15, 1988	November 16, 1994
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of BBVA and COF 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.

BBVA vs. COF: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	BBVA	COF
5-Day Price Return	3.41%	4.67%
13-Week Price Return	19.12%	8.51%
26-Week Price Return	35.45%	5.00%
52-Week Price Return	71.64%	64.22%
Month-to-Date Return	7.65%	0.92%
Year-to-Date Return	66.74%	21.67%
10-Day Avg. Volume	9.64M	3.53M
3-Month Avg. Volume	8.90M	4.71M
3-Month Volatility	28.47%	28.60%
Beta	1.31	1.22

Profitability

Return on Equity (TTM)

BBVA

19.06%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

In the upper quartile for the Banks industry, BBVA’s Return on Equity of 19.06% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

COF

0.00%

Consumer Finance Industry

Max: 32.87%
Q3: 20.39%
Median: 14.14%
Q1: 7.64%
Min: -10.63%

COF’s Return on Equity of 0.00% is in the lower quartile for the Consumer Finance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

BBVA vs. COF: A comparison of their Return on Equity (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Net Profit Margin (TTM)

BBVA

20.73%

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

Falling into the lower quartile for the Banks industry, BBVA’s Net Profit Margin of 20.73% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

COF

14.90%

Consumer Finance Industry

Max: 19.68%
Q3: 15.94%
Median: 13.37%
Q1: 9.73%
Min: 3.66%

COF’s Net Profit Margin of 14.90% is aligned with the median group of its peers in the Consumer Finance industry. This indicates its ability to convert revenue into profit is typical for the sector.

BBVA vs. COF: A comparison of their Net Profit Margin (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Operating Profit Margin (TTM)

BBVA

31.24%

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

BBVA’s Operating Profit Margin of 31.24% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

COF

18.33%

Consumer Finance Industry

Max: 50.11%
Q3: 29.38%
Median: 18.31%
Q1: 14.26%
Min: -5.45%

COF’s Operating Profit Margin of 18.33% is around the midpoint for the Consumer Finance industry, indicating that its efficiency in managing core business operations is typical for the sector.

BBVA vs. COF: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Profitability at a Glance

Symbol	BBVA	COF
Return on Equity (TTM)	19.06%	0.00%
Return on Assets (TTM)	1.36%	0.00%
Net Profit Margin (TTM)	20.73%	14.90%
Operating Profit Margin (TTM)	31.24%	18.33%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

BBVA

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

COF

Consumer Finance Industry

Max: 5.34
Q3: 4.21
Median: 2.67
Q1: 0.71
Min: 0.20

For the Consumer Finance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

BBVA vs. COF: A comparison of their Current Ratio (MRQ) against their respective Banks and Consumer Finance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

BBVA

1.80

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

COF

0.47

Consumer Finance Industry

Max: 6.63
Q3: 3.39
Median: 2.21
Q1: 0.94
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Consumer Finance industry.

BBVA vs. COF: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Consumer Finance industry benchmarks.

Interest Coverage Ratio (TTM)

BBVA

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

COF

Consumer Finance Industry

Max: 49.63
Q3: 39.33
Median: 4.56
Q1: 2.97
Min: -15.69

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Consumer Finance industry.

BBVA vs. COF: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Financial Strength at a Glance

Symbol	BBVA	COF
Current Ratio (MRQ)	--	--
Quick Ratio (MRQ)	--	--
Debt-to-Equity Ratio (MRQ)	1.80	0.47
Interest Coverage Ratio (TTM)	--	--

Growth

Revenue Growth

BBVA vs. COF: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

BBVA vs. COF: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

BBVA

4.44%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

BBVA’s Dividend Yield of 4.44% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

COF

0.95%

Consumer Finance Industry

Max: 8.31%
Q3: 3.93%
Median: 2.51%
Q1: 0.84%
Min: 0.00%

COF’s Dividend Yield of 0.95% is consistent with its peers in the Consumer Finance industry, providing a dividend return that is standard for its sector.

BBVA vs. COF: A comparison of their Dividend Yield (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Dividend Payout Ratio (TTM)

BBVA

77.69%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

BBVA’s Dividend Payout Ratio of 77.69% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

COF

23.78%

Consumer Finance Industry

Max: 145.89%
Q3: 88.53%
Median: 23.79%
Q1: 0.00%
Min: 0.00%

COF’s Dividend Payout Ratio of 23.78% is within the typical range for the Consumer Finance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

BBVA vs. COF: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Dividend at a Glance

Symbol	BBVA	COF
Dividend Yield (TTM)	4.44%	0.95%
Dividend Payout Ratio (TTM)	77.69%	23.78%

Valuation

Price-to-Earnings Ratio (TTM)

BBVA

8.62

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

BBVA’s P/E Ratio of 8.62 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

COF

28.43

Consumer Finance Industry

Max: 34.39
Q3: 20.36
Median: 13.05
Q1: 9.29
Min: 4.74

A P/E Ratio of 28.43 places COF in the upper quartile for the Consumer Finance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

BBVA vs. COF: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Price-to-Sales Ratio (TTM)

BBVA

1.30

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

COF

1.12

Consumer Finance Industry

Max: 4.28
Q3: 2.67
Median: 1.88
Q1: 1.15
Min: 0.55

In the lower quartile for the Consumer Finance industry, COF’s P/S Ratio of 1.12 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

BBVA vs. COF: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Consumer Finance industry benchmarks.

Price-to-Book Ratio (MRQ)

BBVA

1.32

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

BBVA’s P/B Ratio of 1.32 is within the conventional range for the Banks 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.

COF

1.23

Consumer Finance Industry

Max: 3.63
Q3: 2.40
Median: 1.96
Q1: 1.16
Min: 0.26

COF’s P/B Ratio of 1.23 is within the conventional range for the Consumer Finance 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 vs. COF: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Consumer Finance industry benchmarks.

Valuation at a Glance

Symbol	BBVA	COF
Price-to-Earnings Ratio (TTM)	8.62	28.43
Price-to-Sales Ratio (TTM)	1.30	1.12
Price-to-Book Ratio (MRQ)	1.32	1.23
Price-to-Free Cash Flow Ratio (TTM)	3.51	7.60