BBVA vs. HSBC: Banco Bilbao Vizcaya Argentaria vs. HSBC Stock Comparison
How do Banco Bilbao Vizcaya Argentaria (BBVA) and HSBC (HSBC) 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 HSBC (HSBC) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
Both Banco Bilbao Vizcaya Argentaria (BBVA) and HSBC (HSBC) trade as ADRs — their core financials are comparable, but keep FX, depositary-program fees, and dividend withholding in view for each.
| Profile Item | BBVA | HSBC |
|---|---|---|
| Name | Banco Bilbao Vizcaya Argentaria, S.A. | HSBC Holdings plc Sponsored ADR |
| Country/Region | Spain | United Kingdom |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Banks | Banks |
| GICS Industry | Banks | Banks |
| GICS Sub-Industry | Diversified Banks | Diversified Banks |
| Market Capitalization | 135.87 billion USD | 325.71 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | December 15, 1988 | July 16, 1999 |
| Security Type | ADR | ADR |
Performance
Cumulative Growth
Trailing Returns
Performance at a Glance
| Metric | BBVA | HSBC |
|---|---|---|
| Total Return (1Y) | 70.59% | 68.32% |
Risk
Drawdown
Risk at a Glance
| Metric | BBVA | HSBC |
|---|---|---|
| Volatility (1Y, Annualized) | 33.59% | 27.03% |
| Beta (5Y) | 0.81 | 0.58 |
| Avg. Volume (3M) | 1.84M | 1.90M |
Profitability
ROE (TTM)
Banco Bilbao Vizcaya Argentaria (BBVA) at 19.04% sits in the top ROE quartile, while HSBC (HSBC) at 11.61% is closer to the peer norm — stronger capital efficiency for BBVA.
BBVA
Banks industry group
19.04%
- Max
- 19.15%
- BBVA
- 19.04%
- Q3
- 13.07%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
HSBC
Banks industry group
11.61%
- Max
- 19.15%
- Q3
- 13.07%
- HSBC
- 11.61%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
Net Margin (TTM)
HSBC (HSBC) at 34.98% retains a top-quartile share of revenue as profit, ahead of Banco Bilbao Vizcaya Argentaria (BBVA) at 33.12%, which keeps about the industry-typical 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%
HSBC
Banks industry group
34.98%
- Max
- 47.55%
- HSBC
- 34.98%
- Q3
- 34.61%
- Median
- 30.31%
- Q1
- 25.62%
- Min
- 12.76%
Operating Margin (TTM)
Neither side reports a meaningful operating margin: for Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and HSBC (HSBC) 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 | HSBC |
|---|---|---|
| ROE (TTM) | 19.04% | 11.61% |
| ROA (TTM) | 1.37% | 0.72% |
| Net Margin (TTM) | 33.12% | 34.98% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Revenue Growth at a Glance
| Metric | BBVA | HSBC |
|---|---|---|
| Revenue Growth (YoY) | 0.46% | -1.74% |
| Revenue Growth (3Y CAGR) | 11.99% | 7.22% |
EPS Growth
EPS Growth at a Glance
| Metric | BBVA | HSBC |
|---|---|---|
| EPS Growth (YoY) | 4.76% | -3.23% |
| EPS Growth (3Y CAGR) | 21.55% | 17.49% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and HSBC (HSBC) 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 HSBC (HSBC) 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 | HSBC |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Both Banco Bilbao Vizcaya Argentaria (BBVA) at 4.42% and HSBC (HSBC) at 3.97% offer top-quartile dividend income relative to share price within their industries.
BBVA
Banks industry group
4.42%
- Max
- 6.87%
- BBVA
- 4.42%
- Q3
- 2.97%
- Median
- 1.82%
- Q1
- 0.00%
- Min
- 0.00%
HSBC
Banks industry group
3.97%
- Max
- 6.87%
- HSBC
- 3.97%
- Q3
- 2.97%
- Median
- 1.82%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Banco Bilbao Vizcaya Argentaria (BBVA) at 39.66% pays out a band-typical share of earnings, while HSBC (HSBC) at 61.98% distributes more than its industry norm — less retained, thinner cover.
BBVA
Banks industry group
39.66%
- Max
- 67.80%
- Q3
- 42.56%
- BBVA
- 39.66%
- Median
- 28.63%
- Q1
- 20.42%
- Min
- 0.00%
HSBC
Banks industry group
61.98%
- Max
- 67.80%
- HSBC
- 61.98%
- Q3
- 42.56%
- Median
- 28.63%
- Q1
- 20.42%
- Min
- 0.00%
Dividends at a Glance
| Metric | BBVA | HSBC |
|---|---|---|
| Dividend Yield (TTM) | 4.42% | 3.97% |
| Dividend Payout Ratio (TTM) | 39.66% | 61.98% |
Valuation
P/E Ratio (TTM)
Banco Bilbao Vizcaya Argentaria (BBVA) at 11.60 is near its industry’s usual P/E ratio, while HSBC (HSBC) at 15.70 sits in the richer quartile — HSBC needs stronger growth or earnings quality to justify the premium.
BBVA
Banks industry group
11.60
- Max
- 20.85
- Q3
- 15.27
- Median
- 12.70
- BBVA
- 11.60
- Q1
- 11.13
- Min
- 6.36
HSBC
Banks industry group
15.70
- Max
- 20.85
- HSBC
- 15.70
- Q3
- 15.27
- Median
- 12.70
- Q1
- 11.13
- Min
- 6.36
P/S Ratio (TTM)
P/S ratio is set aside for both Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and HSBC (HSBC) 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)
Both look rich against book: Banco Bilbao Vizcaya Argentaria (BBVA) at 2.20 sits in the upper P/B ratio quartile, and HSBC (HSBC) at 7.47 prices even higher, above its industry range.
BBVA
Banks industry group
2.20
- Max
- 2.23
- BBVA
- 2.20
- Q3
- 1.56
- Median
- 1.27
- Q1
- 1.10
- Min
- 0.62
HSBC
Banks industry group
7.47
- HSBC
- 7.47
- Max
- 2.23
- Q3
- 1.56
- Median
- 1.27
- Q1
- 1.10
- Min
- 0.62
Valuation at a Glance
| Metric | BBVA | HSBC |
|---|---|---|
| P/E Ratio (TTM) | 11.60 | 15.70 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 2.20 | 7.47 |
| Free Cash Flow Yield (TTM) | -- | -- |