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

Updated on October 5, 2025

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

Symbol	BBVA	UBS
Company Name	Banco Bilbao Vizcaya Argentaria, S.A.	UBS Group AG
Country	Spain	Switzerland
GICS Sector	Financials	Financials
GICS Industry	Banks	Capital Markets
Market Capitalization	110.64 billion USD	128.67 billion USD
Exchange	NYSE	NYSE
Listing Date	December 15, 1988	May 16, 2000
Security Type	ADR	Common Stock

Historical Performance

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

Historical Performance at a Glance

Symbol	BBVA	UBS
5-Day Price Return	-0.27%	-2.02%
13-Week Price Return	25.35%	22.03%
26-Week Price Return	24.26%	11.76%
52-Week Price Return	75.06%	31.64%
Month-to-Date Return	5.49%	0.40%
Year-to-Date Return	72.87%	17.24%
10-Day Avg. Volume	8.21M	6.79M
3-Month Avg. Volume	7.31M	6.52M
3-Month Volatility	27.94%	18.56%
Beta	1.29	1.46

Profitability

Return on Equity (TTM)

BBVA

19.06%

Banks Industry

Max: 25.40%
Q3: 15.55%
Median: 12.00%
Q1: 8.98%
Min: -0.10%

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.

UBS

7.21%

Capital Markets Industry

Max: 38.97%
Q3: 22.24%
Median: 13.52%
Q1: 8.61%
Min: -4.25%

UBS’s Return on Equity of 7.21% is in the lower quartile for the Capital Markets industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

BBVA vs. UBS: 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: 35.73%
Median: 28.97%
Q1: 22.56%
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.

UBS

77.37%

Capital Markets Industry

Max: 69.91%
Q3: 37.24%
Median: 24.30%
Q1: 13.06%
Min: -15.18%

UBS’s Net Profit Margin of 77.37% is exceptionally high, placing it well beyond the typical range for the Capital Markets industry. This demonstrates outstanding operational efficiency and a strong competitive advantage in converting revenue into profit.

BBVA vs. UBS: 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: 44.73%
Median: 37.24%
Q1: 28.25%
Min: 12.28%

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.

UBS

81.44%

Capital Markets Industry

Max: 84.86%
Q3: 47.16%
Median: 32.23%
Q1: 18.65%
Min: -21.87%

An Operating Profit Margin of 81.44% places UBS in the upper quartile for the Capital Markets industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.

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

Profitability at a Glance

Symbol	BBVA	UBS
Return on Equity (TTM)	19.06%	7.21%
Return on Assets (TTM)	1.36%	0.39%
Net Profit Margin (TTM)	20.73%	77.37%
Operating Profit Margin (TTM)	31.24%	81.44%
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.

UBS

Capital Markets Industry

Max: 3.37
Q3: 1.81
Median: 1.01
Q1: 0.56
Min: 0.04

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

BBVA vs. UBS: 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: 5.78
Q3: 2.66
Median: 1.05
Q1: 0.40
Min: 0.00

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

UBS

4.21

Capital Markets Industry

Max: 6.52
Q3: 2.79
Median: 0.96
Q1: 0.28
Min: 0.00

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

BBVA vs. UBS: 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.

UBS

Capital Markets Industry

Max: 107.59
Q3: 48.41
Median: 10.85
Q1: 4.56
Min: -36.26

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

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

Financial Strength at a Glance

Symbol	BBVA	UBS
Current Ratio (MRQ)	--	--
Quick Ratio (MRQ)	--	--
Debt-to-Equity Ratio (MRQ)	1.80	4.21
Interest Coverage Ratio (TTM)	--	--

Growth

Revenue Growth

BBVA vs. UBS: 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. UBS: 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

4.28%

Banks Industry

Max: 11.03%
Q3: 6.00%
Median: 3.87%
Q1: 2.41%
Min: 0.00%

BBVA’s Dividend Yield of 4.28% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

UBS

2.21%

Capital Markets Industry

Max: 9.02%
Q3: 4.54%
Median: 2.55%
Q1: 1.27%
Min: 0.00%

UBS’s Dividend Yield of 2.21% is consistent with its peers in the Capital Markets industry, providing a dividend return that is standard for its sector.

BBVA vs. UBS: 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: 134.24%
Q3: 79.39%
Median: 55.09%
Q1: 36.09%
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.

UBS

119.67%

Capital Markets Industry

Max: 199.38%
Q3: 99.28%
Median: 60.67%
Q1: 32.00%
Min: 0.00%

UBS’s Dividend Payout Ratio of 119.67% is in the upper quartile for the Capital Markets industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.

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

Dividend at a Glance

Symbol	BBVA	UBS
Dividend Yield (TTM)	4.28%	2.21%
Dividend Payout Ratio (TTM)	77.69%	119.67%

Valuation

Price-to-Earnings Ratio (TTM)

BBVA

8.94

Banks Industry

Max: 22.69
Q3: 13.75
Median: 10.32
Q1: 7.73
Min: 2.59

BBVA’s P/E Ratio of 8.94 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.

UBS

20.67

Capital Markets Industry

Max: 51.69
Q3: 29.42
Median: 17.58
Q1: 12.55
Min: 5.59

UBS’s P/E Ratio of 20.67 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. UBS: 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: 4.90
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.

UBS

2.27

Capital Markets Industry

Max: 14.65
Q3: 7.29
Median: 4.53
Q1: 2.26
Min: 0.04

UBS’s P/S Ratio of 2.27 aligns with the market consensus for the Capital Markets industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

BBVA vs. UBS: 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: 2.09
Q3: 1.40
Median: 1.11
Q1: 0.86
Min: 0.29

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.

UBS

1.26

Capital Markets Industry

Max: 10.83
Q3: 5.12
Median: 2.66
Q1: 1.19
Min: 0.37

UBS’s P/B Ratio of 1.26 is within the conventional range for the Capital Markets 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. UBS: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Capital Markets industry benchmarks.

Valuation at a Glance

Symbol	BBVA	UBS
Price-to-Earnings Ratio (TTM)	8.94	20.67
Price-to-Sales Ratio (TTM)	1.30	2.27
Price-to-Book Ratio (MRQ)	1.32	1.26
Price-to-Free Cash Flow Ratio (TTM)	3.63	5.57