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

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

SymbolBBVAPGR
Company NameBanco Bilbao Vizcaya Argentaria, S.A.The Progressive Corporation
CountrySpainUnited States
GICS SectorFinancialsFinancials
GICS IndustryBanksInsurance
Market Capitalization109.92 billion USD148.12 billion USD
ExchangeNYSENYSE
Listing DateDecember 15, 1988March 17, 1980
Security TypeADRCommon Stock

Historical Performance

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

Historical Performance at a Glance

SymbolBBVAPGR
5-Day Price Return2.34%0.69%
13-Week Price Return19.10%-12.34%
26-Week Price Return37.18%-3.61%
52-Week Price Return75.44%6.27%
Month-to-Date Return12.02%4.40%
Year-to-Date Return73.51%5.45%
10-Day Avg. Volume7.37M2.96M
3-Month Avg. Volume8.05M3.30M
3-Month Volatility28.69%21.43%
Beta1.300.33

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.

PGR

36.50%

Insurance Industry

Max
29.03%
Q3
18.11%
Median
13.90%
Q1
10.42%
Min
-0.64%

PGR’s Return on Equity of 36.50% is exceptionally high, placing it well beyond the typical range for the Insurance industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.

BBVA vs. PGR: A comparison of their Return on Equity (TTM) against their respective Banks and Insurance 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.

PGR

12.66%

Insurance Industry

Max
26.78%
Q3
14.06%
Median
9.15%
Q1
5.48%
Min
-7.05%

PGR’s Net Profit Margin of 12.66% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

BBVA vs. PGR: A comparison of their Net Profit Margin (TTM) against their respective Banks and Insurance 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.

PGR

16.28%

Insurance Industry

Max
35.49%
Q3
19.49%
Median
14.35%
Q1
8.53%
Min
-5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

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

Profitability at a Glance

SymbolBBVAPGR
Return on Equity (TTM)19.06%36.50%
Return on Assets (TTM)1.36%9.53%
Net Profit Margin (TTM)20.73%12.66%
Operating Profit Margin (TTM)31.24%16.28%
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.

PGR

0.08

Insurance Industry

Max
2.97
Q3
1.33
Median
0.55
Q1
0.15
Min
0.00

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

BBVA vs. PGR: A comparison of their Current Ratio (MRQ) against their respective Banks and Insurance 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.

PGR

0.21

Insurance Industry

Max
1.25
Q3
0.65
Median
0.34
Q1
0.22
Min
0.00

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

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

PGR

39.40

Insurance Industry

Max
43.68
Q3
20.84
Median
9.56
Q1
3.34
Min
-5.73

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

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

Financial Strength at a Glance

SymbolBBVAPGR
Current Ratio (MRQ)--0.08
Quick Ratio (MRQ)--0.04
Debt-to-Equity Ratio (MRQ)1.800.21
Interest Coverage Ratio (TTM)--39.40

Growth

Revenue Growth

BBVA vs. PGR: 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. PGR: 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

4.27%

Banks Industry

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

BBVA’s Dividend Yield of 4.27% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

PGR

1.93%

Insurance Industry

Max
8.23%
Q3
4.54%
Median
3.42%
Q1
1.97%
Min
0.00%

PGR’s Dividend Yield of 1.93% is in the lower quartile for the Insurance industry. This suggests the company’s strategy likely favors retaining earnings for growth over providing a high dividend income.

BBVA vs. PGR: A comparison of their Dividend Yield (TTM) against their respective Banks and Insurance 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.

PGR

27.53%

Insurance Industry

Max
168.02%
Q3
85.57%
Median
50.71%
Q1
22.04%
Min
0.00%

PGR’s Dividend Payout Ratio of 27.53% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

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

Dividend at a Glance

SymbolBBVAPGR
Dividend Yield (TTM)4.27%1.93%
Dividend Payout Ratio (TTM)77.69%27.53%

Valuation

Price-to-Earnings Ratio (TTM)

BBVA

8.97

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

BBVA’s P/E Ratio of 8.97 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.

PGR

14.23

Insurance Industry

Max
28.91
Q3
17.76
Median
13.63
Q1
10.02
Min
2.89

PGR’s P/E Ratio of 14.23 is within the middle range for the Insurance 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. PGR: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Insurance 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.

PGR

1.80

Insurance Industry

Max
3.72
Q3
1.98
Median
1.23
Q1
0.81
Min
0.23

PGR’s P/S Ratio of 1.80 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

BBVA vs. PGR: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Insurance 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.

PGR

4.80

Insurance Industry

Max
4.37
Q3
2.48
Median
1.68
Q1
1.19
Min
0.19

At 4.80, PGR’s P/B Ratio is at an extreme premium to the Insurance industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

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

Valuation at a Glance

SymbolBBVAPGR
Price-to-Earnings Ratio (TTM)8.9714.23
Price-to-Sales Ratio (TTM)1.301.80
Price-to-Book Ratio (MRQ)1.324.80
Price-to-Free Cash Flow Ratio (TTM)3.659.01