BBVA vs. WF: Banco Bilbao Vizcaya Argentaria vs. Woori Financial Stock Comparison

Company Profile

Banco Bilbao Vizcaya Argentaria (BBVA) and Woori Financial (WF) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Both Banco Bilbao Vizcaya Argentaria (BBVA) and Woori Financial (WF) trade as ADRs — their core financials are comparable, but keep FX, depositary-program fees, and dividend withholding in view for each.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Banco Bilbao Vizcaya Argentaria (BBVA) trades around 1.56M shares per day on average, while Woori Financial (WF) sees only 85.96K — a volume gap that can matter for position sizing, exit liquidity, and order execution.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Banco Bilbao Vizcaya Argentaria (BBVA) at 19.84% sits in the top ROE quartile, while Woori Financial (WF) at 7.93% is in the bottom quartile, showing a clear gap in returns on equity.

Banco Bilbao Vizcaya Argentaria (BBVA) at 32.62% keeps about the industry-typical share of revenue as profit, while Woori Financial (WF) at 27.06% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and Woori Financial (WF) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Both Banco Bilbao Vizcaya Argentaria (BBVA) at 0.46% and Woori Financial (WF) at 5.30% post bottom-quartile revenue growth versus peers, pointing to weaker demand or pricing momentum than typical rivals.

Banco Bilbao Vizcaya Argentaria (BBVA) at 4.76% is around its peer norm for EPS growth, while Woori Financial (WF) at 2.58% drops into the bottom quartile, signaling weaker earnings momentum.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and Woori Financial (WF) 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-to-equity ratio is set aside for both: Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and Woori Financial (WF) 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 Metrics

Dividends

Banco Bilbao Vizcaya Argentaria (BBVA) at 3.80% earns its spot in the top quartile of its industry’s yields; Woori Financial (WF) at 1,108.19% is past the top of its own peer range — territory where a dividend-safety check matters more than the headline number.

Woori Financial (WF) at 32.85% pays out a band-typical share of earnings, while Banco Bilbao Vizcaya Argentaria (BBVA) at 47.61% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Woori Financial (WF) at 8.04 sits in the cheaper P/E ratio quartile, while Banco Bilbao Vizcaya Argentaria (BBVA) at 10.99 is closer to its industry’s usual earnings multiple — a discount for WF, though growth and earnings durability still matter.

P/S ratio is set aside for both Banco Bilbao Vizcaya Argentaria (BBVA) in Banks and Woori Financial (WF) 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.

Woori Financial (WF) at 0.63 looks cheap against book in the lower P/B ratio quartile, while Banco Bilbao Vizcaya Argentaria (BBVA) at 2.12 carries a premium in the upper quartile — a clear price-to-book gap.

Valuation Metrics