BBVA vs. V: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at BBVA and V, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
V’s market capitalization of 678.34 billion USD is significantly greater than BBVA’s 85.55 billion USD, highlighting its more substantial market valuation.
BBVA’s beta of 1.42 points to significantly higher volatility compared to V (beta: 0.94), suggesting BBVA has greater potential for both gains and losses relative to market movements.
BBVA trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, V is a standard domestic listing.
| Symbol | BBVA | V |
|---|---|---|
| Company Name | Banco Bilbao Vizcaya Argentaria, S.A. | Visa Inc. |
| Country | ES | US |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Diversified | Financial - Credit Services |
| CEO | Onur Genc | Ryan M. McInerney |
| Price | 14.85 USD | 349.81 USD |
| Market Cap | 85.55 billion USD | 678.34 billion USD |
| Beta | 1.42 | 0.94 |
| Exchange | NYSE | NYSE |
| IPO Date | December 15, 1988 | March 19, 2008 |
| ADR | Yes | No |
Historical Performance
This chart compares the performance of BBVA and V 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.
Profitability
Return on Equity
BBVA
19.46%
Banks - Diversified Industry
- Max
- 20.93%
- Q3
- 14.73%
- Median
- 12.33%
- Q1
- 9.14%
- Min
- 5.86%
In the upper quartile for the Banks - Diversified industry, BBVA’s Return on Equity of 19.46% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
V
51.26%
Financial - Credit Services Industry
- Max
- 34.05%
- Q3
- 18.70%
- Median
- 10.57%
- Q1
- 3.55%
- Min
- -12.12%
V’s Return on Equity of 51.26% is exceptionally high, placing it well beyond the typical range for the Financial - Credit Services industry. This demonstrates a superior ability to generate profit from shareholder investments, though it could also be inflated by high financial leverage.
Return on Invested Capital
BBVA
4.52%
Banks - Diversified Industry
- Max
- 4.52%
- Q3
- 2.95%
- Median
- 1.89%
- Q1
- 0.86%
- Min
- 0.18%
Return on Invested Capital is often not a primary measure of capital efficiency in the Banks - Diversified industry.
V
29.89%
Financial - Credit Services Industry
- Max
- 68.11%
- Q3
- 32.26%
- Median
- 9.52%
- Q1
- 3.37%
- Min
- -7.03%
Return on Invested Capital is often not a primary measure of capital efficiency in the Financial - Credit Services industry.
Net Profit Margin
BBVA
23.70%
Banks - Diversified Industry
- Max
- 33.40%
- Q3
- 26.40%
- Median
- 19.24%
- Q1
- 14.99%
- Min
- 7.95%
BBVA’s Net Profit Margin of 23.70% is aligned with the median group of its peers in the Banks - Diversified industry. This indicates its ability to convert revenue into profit is typical for the sector.
V
52.86%
Financial - Credit Services Industry
- Max
- 39.42%
- Q3
- 20.10%
- Median
- 12.91%
- Q1
- 5.82%
- Min
- -14.80%
V’s Net Profit Margin of 52.86% is exceptionally high, placing it well beyond the typical range for the Financial - Credit Services industry. This demonstrates outstanding operational efficiency and a strong competitive advantage in converting revenue into profit.
Operating Profit Margin
BBVA
36.60%
Banks - Diversified Industry
- Max
- 50.90%
- Q3
- 37.76%
- Median
- 28.44%
- Q1
- 15.73%
- Min
- 8.60%
BBVA’s Operating Profit Margin of 36.60% is around the midpoint for the Banks - Diversified industry, indicating that its efficiency in managing core business operations is typical for the sector.
V
63.68%
Financial - Credit Services Industry
- Max
- 77.26%
- Q3
- 42.86%
- Median
- 17.99%
- Q1
- 10.82%
- Min
- -14.94%
An Operating Profit Margin of 63.68% places V in the upper quartile for the Financial - Credit Services industry. This signals a strong ability to translate revenue into operating profit, outperforming most of its competitors in core business efficiency.
Profitability at a Glance
| Symbol | BBVA | V |
|---|---|---|
| Return on Equity (TTM) | 19.46% | 51.26% |
| Return on Assets (TTM) | 1.37% | 21.42% |
| Return on Invested Capital (TTM) | 4.52% | 29.89% |
| Net Profit Margin (TTM) | 23.70% | 52.86% |
| Operating Profit Margin (TTM) | 36.60% | 63.68% |
| Gross Profit Margin (TTM) | 82.62% | 80.09% |
Financial Strength
Current Ratio
BBVA
0.28
Banks - Diversified Industry
- Max
- 0.67
- Q3
- 0.49
- Median
- 0.39
- Q1
- 0.28
- Min
- 0.06
For the Banks - Diversified industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
V
1.08
Financial - Credit Services Industry
- Max
- 8.15
- Q3
- 4.39
- Median
- 2.62
- Q1
- 1.06
- Min
- 0.15
For the Financial - Credit Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio
BBVA
1.96
Banks - Diversified Industry
- Max
- 4.98
- Q3
- 3.65
- Median
- 3.13
- Q1
- 1.73
- Min
- 0.09
BBVA’s Debt-to-Equity Ratio of 1.96 is typical for the Banks - Diversified industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
V
0.55
Financial - Credit Services Industry
- Max
- 4.69
- Q3
- 2.55
- Median
- 1.20
- Q1
- 0.55
- Min
- 0.00
Falling into the lower quartile for the Financial - Credit Services industry, V’s Debt-to-Equity Ratio of 0.55 points to a conservative financing strategy. This results in lower financial risk but potentially limits strategic investments compared to more leveraged competitors.
Interest Coverage Ratio
BBVA
0.93
Banks - Diversified Industry
- Max
- 0.98
- Q3
- 0.78
- Median
- 0.55
- Q1
- 0.31
- Min
- 0.09
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks - Diversified industry.
V
43.24
Financial - Credit Services Industry
- Max
- 17.48
- Q3
- 7.42
- Median
- 1.59
- Q1
- 0.38
- Min
- -7.77
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial - Credit Services industry.
Financial Strength at a Glance
| Symbol | BBVA | V |
|---|---|---|
| Current Ratio (TTM) | 0.28 | 1.08 |
| Quick Ratio (TTM) | 0.28 | 1.08 |
| Debt-to-Equity Ratio (TTM) | 1.96 | 0.55 |
| Debt-to-Asset Ratio (TTM) | 0.14 | 0.22 |
| Net Debt-to-EBITDA Ratio (TTM) | 2.67 | 0.35 |
| Interest Coverage Ratio (TTM) | 0.93 | 43.24 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for BBVA and V. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
Free Cash Flow Growth
Dividend
Dividend Yield
BBVA
8.50%
Banks - Diversified Industry
- Max
- 7.73%
- Q3
- 4.16%
- Median
- 3.24%
- Q1
- 2.27%
- Min
- 0.00%
BBVA’s Dividend Yield of 8.50% is exceptionally high, placing it well above the typical range for the Banks - Diversified industry. While this may seem attractive, an unusually high yield can sometimes be a warning sign, reflecting a falling stock price or market concerns about the dividend’s sustainability.
V
0.80%
Financial - Credit Services Industry
- Max
- 14.68%
- Q3
- 2.97%
- Median
- 1.03%
- Q1
- 0.00%
- Min
- 0.00%
V’s Dividend Yield of 0.80% is consistent with its peers in the Financial - Credit Services industry, providing a dividend return that is standard for its sector.
Dividend Payout Ratio
BBVA
37.08%
Banks - Diversified Industry
- Max
- 84.94%
- Q3
- 39.11%
- Median
- 26.91%
- Q1
- 0.00%
- Min
- 0.00%
BBVA’s Dividend Payout Ratio of 37.08% is within the typical range for the Banks - Diversified industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
V
22.28%
Financial - Credit Services Industry
- Max
- 169.58%
- Q3
- 38.15%
- Median
- 18.30%
- Q1
- 0.00%
- Min
- 0.00%
V’s Dividend Payout Ratio of 22.28% is within the typical range for the Financial - Credit Services industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | BBVA | V |
|---|---|---|
| Dividend Yield (TTM) | 8.50% | 0.80% |
| Dividend Payout Ratio (TTM) | 37.08% | 22.28% |
Valuation
Price-to-Earnings Ratio
BBVA
7.32
Banks - Diversified Industry
- Max
- 14.13
- Q3
- 13.37
- Median
- 11.90
- Q1
- 9.29
- Min
- 7.43
BBVA’s P/E Ratio of 7.32 is below the typical range for the Banks - Diversified industry. This may indicate that the stock is potentially undervalued, or it could reflect market concerns about the company’s future prospects.
V
34.30
Financial - Credit Services Industry
- Max
- 42.04
- Q3
- 25.88
- Median
- 12.28
- Q1
- 9.55
- Min
- 3.09
A P/E Ratio of 34.30 places V in the upper quartile for the Financial - Credit Services industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
Forward P/E to Growth Ratio
BBVA
1.44
Banks - Diversified Industry
- Max
- 1.98
- Q3
- 1.41
- Median
- 1.15
- Q1
- 0.77
- Min
- 0.45
A Forward PEG Ratio of 1.44 places BBVA in the upper quartile for the Banks - Diversified industry. This suggests the stock is potentially expensive compared to its peers relative to its growth forecast, which may warrant caution.
V
2.77
Financial - Credit Services Industry
- Max
- 2.76
- Q3
- 1.57
- Median
- 0.82
- Q1
- 0.51
- Min
- 0.06
V’s Forward PEG Ratio of 2.77 is exceptionally high for the Financial - Credit Services industry. This suggests its stock price is very high relative to its expected earnings growth, signaling significant overvaluation risk.
Price-to-Sales Ratio
BBVA
1.66
Banks - Diversified Industry
- Max
- 4.15
- Q3
- 2.92
- Median
- 2.29
- Q1
- 1.83
- Min
- 0.94
The P/S Ratio is often not a primary valuation tool in the Banks - Diversified industry.
V
18.03
Financial - Credit Services Industry
- Max
- 6.24
- Q3
- 3.02
- Median
- 1.54
- Q1
- 0.75
- Min
- 0.32
The P/S Ratio is often not a primary valuation tool in the Financial - Credit Services industry.
Price-to-Book Ratio
BBVA
1.40
Banks - Diversified Industry
- Max
- 1.89
- Q3
- 1.47
- Median
- 1.23
- Q1
- 1.10
- Min
- 0.65
BBVA’s P/B Ratio of 1.40 is within the conventional range for the Banks - Diversified 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.
V
17.94
Financial - Credit Services Industry
- Max
- 3.58
- Q3
- 2.84
- Median
- 1.28
- Q1
- 0.84
- Min
- 0.07
At 17.94, V’s P/B Ratio is at an extreme premium to the Financial - Credit Services 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.
Valuation at a Glance
| Symbol | BBVA | V |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 7.32 | 34.30 |
| Forward PEG Ratio (TTM) | 1.44 | 2.77 |
| Price-to-Sales Ratio (P/S, TTM) | 1.66 | 18.03 |
| Price-to-Book Ratio (P/B, TTM) | 1.40 | 17.94 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 15.48 | 33.08 |
| EV-to-EBITDA (TTM) | 6.80 | 26.60 |
| EV-to-Sales (TTM) | 2.72 | 18.27 |