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

Updated on August 21, 2025

Here’s a clear look at BBVA and LPLA, 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, LPLA is a standard domestic listing.

Symbol	BBVA	LPLA
Company Name	Banco Bilbao Vizcaya Argentaria, S.A.	LPL Financial Holdings Inc.
Country	Spain	United States
GICS Sector	Financials	Financials
GICS Industry	Banks	Capital Markets
Market Capitalization	107.76 billion USD	28.47 billion USD
Exchange	NYSE	NasdaqGS
Listing Date	December 15, 1988	November 18, 2010
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of BBVA and LPLA 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. LPLA: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	BBVA	LPLA
5-Day Price Return	3.41%	-3.54%
13-Week Price Return	19.12%	-5.56%
26-Week Price Return	35.45%	-4.11%
52-Week Price Return	71.64%	77.90%
Month-to-Date Return	7.65%	-10.09%
Year-to-Date Return	66.74%	8.97%
10-Day Avg. Volume	9.64M	1.03M
3-Month Avg. Volume	8.90M	0.78M
3-Month Volatility	28.47%	31.04%
Beta	1.31	0.65

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.

LPLA

32.17%

Capital Markets Industry

Max: 38.97%
Q3: 21.61%
Median: 13.77%
Q1: 8.31%
Min: -4.25%

In the upper quartile for the Capital Markets industry, LPLA’s Return on Equity of 32.17% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

BBVA vs. LPLA: A comparison of their Return on Equity (TTM) against their respective Banks and Capital Markets 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.

LPLA

7.91%

Capital Markets Industry

Max: 66.67%
Q3: 35.11%
Median: 23.49%
Q1: 13.63%
Min: -15.18%

Falling into the lower quartile for the Capital Markets industry, LPLA’s Net Profit Margin of 7.91% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

BBVA vs. LPLA: A comparison of their Net Profit Margin (TTM) against their respective Banks and Capital Markets 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.

LPLA

12.86%

Capital Markets Industry

Max: 86.40%
Q3: 46.46%
Median: 32.80%
Q1: 18.32%
Min: -21.87%

LPLA’s Operating Profit Margin of 12.86% is in the lower quartile for the Capital Markets industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.

BBVA vs. LPLA: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Capital Markets industry benchmarks.

Profitability at a Glance

Symbol	BBVA	LPLA
Return on Equity (TTM)	19.06%	32.17%
Return on Assets (TTM)	1.36%	7.89%
Net Profit Margin (TTM)	20.73%	7.91%
Operating Profit Margin (TTM)	31.24%	12.86%
Gross Profit Margin (TTM)	--	98.92%

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.

LPLA

3.05

Capital Markets Industry

Max: 3.76
Q3: 1.89
Median: 1.01
Q1: 0.54
Min: -0.41

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

BBVA vs. LPLA: A comparison of their Current Ratio (MRQ) against their respective Banks and Capital Markets 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.

LPLA

1.44

Capital Markets Industry

Max: 6.62
Q3: 2.84
Median: 1.02
Q1: 0.32
Min: 0.00

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

BBVA vs. LPLA: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Capital Markets 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.

LPLA

6.08

Capital Markets Industry

Max: 126.03
Q3: 60.98
Median: 11.77
Q1: 4.95
Min: -36.26

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

BBVA vs. LPLA: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Financial Strength at a Glance

Symbol	BBVA	LPLA
Current Ratio (MRQ)	--	3.05
Quick Ratio (MRQ)	--	2.99
Debt-to-Equity Ratio (MRQ)	1.80	1.44
Interest Coverage Ratio (TTM)	--	6.08

Growth

Revenue Growth

BBVA vs. LPLA: 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. LPLA: 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.

LPLA

0.31%

Capital Markets Industry

Max: 10.26%
Q3: 4.86%
Median: 2.78%
Q1: 1.22%
Min: 0.00%

LPLA’s Dividend Yield of 0.31% is in the lower quartile for the Capital Markets industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

BBVA vs. LPLA: A comparison of their Dividend Yield (TTM) against their respective Banks and Capital Markets 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.

LPLA

8.17%

Capital Markets Industry

Max: 200.72%
Q3: 101.92%
Median: 57.97%
Q1: 32.36%
Min: 0.00%

LPLA’s Dividend Payout Ratio of 8.17% is in the lower quartile for the Capital Markets industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

BBVA vs. LPLA: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Dividend at a Glance

Symbol	BBVA	LPLA
Dividend Yield (TTM)	4.44%	0.31%
Dividend Payout Ratio (TTM)	77.69%	8.17%

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.

LPLA

26.72

Capital Markets Industry

Max: 58.89
Q3: 31.00
Median: 18.54
Q1: 12.09
Min: 5.24

LPLA’s P/E Ratio of 26.72 is within the middle range for the Capital Markets 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 vs. LPLA: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Capital Markets 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.

LPLA

2.11

Capital Markets Industry

Max: 14.49
Q3: 7.41
Median: 4.68
Q1: 2.25
Min: 0.04

In the lower quartile for the Capital Markets industry, LPLA’s P/S Ratio of 2.11 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. LPLA: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Capital Markets 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.

LPLA

5.91

Capital Markets Industry

Max: 9.48
Q3: 4.94
Median: 2.42
Q1: 1.21
Min: 0.38

LPLA’s P/B Ratio of 5.91 is in the upper tier for the Capital Markets industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

BBVA vs. LPLA: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Capital Markets industry benchmarks.

Valuation at a Glance

Symbol	BBVA	LPLA
Price-to-Earnings Ratio (TTM)	8.62	26.72
Price-to-Sales Ratio (TTM)	1.30	2.11
Price-to-Book Ratio (MRQ)	1.32	5.91
Price-to-Free Cash Flow Ratio (TTM)	3.51	88.14