BBVA vs. JPM: Banco Bilbao Vizcaya Argentaria vs. JPMorgan Chase Stock Comparison
How do Banco Bilbao Vizcaya Argentaria (BBVA) and JPMorgan Chase (JPM) 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 JPMorgan Chase (JPM) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.
JPMorgan Chase (JPM) 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 | JPM |
|---|---|---|
| Name | Banco Bilbao Vizcaya Argentaria, S.A. | JPMorgan Chase & Co. |
| 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 | 888.20 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | December 15, 1988 | March 17, 1980 |
| Security Type | ADR | Common Stock |
Performance
Cumulative Growth
Trailing Returns
Performance at a Glance
| Metric | BBVA | JPM |
|---|---|---|
| Total Return (1Y) | 74.79% | 22.88% |
Risk
Drawdown
Risk at a Glance
| Metric | BBVA | JPM |
|---|---|---|
| Volatility (1Y, Annualized) | 33.65% | 22.17% |
| Beta (5Y) | 0.80 | 0.99 |
| Avg. Volume (3M) | 1.81M | 9.03M |
Profitability
ROE (TTM)
Both Banco Bilbao Vizcaya Argentaria (BBVA) at 19.04% and JPMorgan Chase (JPM) at 16.47% sit in the top peer quartile for ROE, suggesting each generates more profit from shareholders’ equity than typical industry peers.
BBVA
Banks industry group
19.04%
- Max
- 19.15%
- BBVA
- 19.04%
- Q3
- 13.07%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
JPM
Banks industry group
16.47%
- Max
- 19.15%
- JPM
- 16.47%
- Q3
- 13.07%
- Median
- 10.82%
- Q1
- 8.57%
- Min
- 3.15%
Net Margin (TTM)
Both Banco Bilbao Vizcaya Argentaria (BBVA) at 33.12% and JPMorgan Chase (JPM) at 33.94% keep about the typical share of revenue as profit for their industries — neither bottom line stands out from peers.
BBVA
Banks industry group
33.12%
- Max
- 47.55%
- Q3
- 34.61%
- BBVA
- 33.12%
- Median
- 30.31%
- Q1
- 25.62%
- Min
- 12.76%
JPM
Banks industry group
33.94%
- Max
- 47.55%
- Q3
- 34.61%
- JPM
- 33.94%
- 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 JPMorgan Chase (JPM) 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 | JPM |
|---|---|---|
| ROE (TTM) | 19.04% | 16.47% |
| ROA (TTM) | 1.37% | 1.27% |
| Net Margin (TTM) | 33.12% | 33.94% |
| Operating Margin (TTM) | -- | -- |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Revenue Growth at a Glance
| Metric | BBVA | JPM |
|---|---|---|
| Revenue Growth (YoY) | 0.46% | 7.32% |
| Revenue Growth (3Y CAGR) | 11.99% | 12.50% |
EPS Growth
EPS Growth at a Glance
| Metric | BBVA | JPM |
|---|---|---|
| EPS Growth (YoY) | 4.76% | 1.37% |
| EPS Growth (3Y CAGR) | 21.55% | 18.31% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and JPMorgan Chase (JPM) 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 JPMorgan Chase (JPM) 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 | JPM |
|---|---|---|
| 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 JPMorgan Chase (JPM) at 1.81% 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%
JPM
Banks industry group
1.81%
- Max
- 5.52%
- Q3
- 3.32%
- Median
- 2.51%
- JPM
- 1.81%
- Q1
- 1.38%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Both Banco Bilbao Vizcaya Argentaria (BBVA) at 39.66% and JPMorgan Chase (JPM) at 28.24% 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%
JPM
Banks industry group
28.24%
- Max
- 74.88%
- Q3
- 42.57%
- Median
- 29.00%
- JPM
- 28.24%
- Q1
- 19.77%
- Min
- 0.00%
Dividends at a Glance
| Metric | BBVA | JPM |
|---|---|---|
| Dividend Yield (TTM) | 3.76% | 1.81% |
| Dividend Payout Ratio (TTM) | 39.66% | 28.24% |
Valuation
P/E Ratio (TTM)
Banco Bilbao Vizcaya Argentaria (BBVA) at 11.89 is near its industry’s usual P/E ratio, while JPMorgan Chase (JPM) at 15.88 sits in the richer quartile — JPM 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
JPM
Banks industry group
15.88
- Max
- 20.92
- JPM
- 15.88
- 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 JPMorgan Chase (JPM) 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 2.26 sits in the upper P/B ratio quartile, and JPMorgan Chase (JPM) at 2.58 prices even higher, above its industry range.
BBVA
Banks industry group
2.26
- BBVA
- 2.26
- Max
- 2.26
- Q3
- 1.57
- Median
- 1.28
- Q1
- 1.11
- Min
- 0.62
JPM
Banks industry group
2.58
- JPM
- 2.58
- Max
- 2.26
- Q3
- 1.57
- Median
- 1.28
- Q1
- 1.11
- Min
- 0.62
Valuation at a Glance
| Metric | BBVA | JPM |
|---|---|---|
| P/E Ratio (TTM) | 11.89 | 15.88 |
| P/S Ratio (TTM) | -- | -- |
| P/B Ratio (MRQ) | 2.26 | 2.58 |
| Free Cash Flow Yield (TTM) | -- | -- |