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Banco Bilbao Viscaya Argentaria (BBVA)
NYSE:BBVA
US Market

Banco Bilbao (BBVA) Ratios

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Banco Bilbao Ratios

BBVA's free cash flow for Q3 2025 was €0.46. For the 2025 fiscal year, BBVA's free cash flow was decreased by € and operating cash flow was €0.22. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.23 0.44 0.48 0.48 0.55
Quick Ratio
0.23 0.44 0.48 0.48 0.55
Cash Ratio
0.11 0.11 0.15 0.17 0.17
Solvency Ratio
0.02 0.02 0.01 0.01 <0.01
Operating Cash Flow Ratio
0.07 -0.03 >-0.01 0.05 >-0.01
Short-Term Operating Cash Flow Coverage
1.58 -0.27 >-0.01 0.44 -0.02
Net Current Asset Value
€ -620.47B€ -464.84B€ -449.76B€ -424.16B€ -369.44B
Leverage Ratios
Debt-to-Assets Ratio
0.14 0.19 0.23 0.16 0.18
Debt-to-Equity Ratio
1.91 2.60 3.46 2.44 2.64
Debt-to-Capital Ratio
0.66 0.72 0.78 0.71 0.73
Long-Term Debt-to-Capital Ratio
0.59 0.57 0.58 0.56 0.57
Financial Leverage Ratio
14.10 13.88 15.00 15.18 15.10
Debt Service Coverage Ratio
0.30 0.12 0.08 0.12 0.11
Interest Coverage Ratio
0.98 0.49 0.62 1.03 1.13
Debt to Market Cap
0.95 2.64 3.43 3.10 3.43
Interest Debt Per Share
22.00 31.34 32.77 19.50 19.44
Net Debt to EBITDA
2.51 4.99 6.93 2.55 4.90
Profitability Margins
Gross Profit Margin
59.03%100.00%100.00%100.00%107.37%
EBIT Margin
29.61%48.80%45.72%44.60%38.96%
EBITDA Margin
32.44%53.65%50.89%50.47%45.60%
Operating Profit Margin
29.61%56.57%56.35%55.03%50.63%
Pretax Profit Margin
29.61%48.80%45.72%44.69%38.96%
Net Profit Margin
19.20%31.85%29.52%27.67%25.02%
Continuous Operations Profit Margin
20.38%33.50%30.99%29.44%28.70%
Net Income Per EBT
64.86%65.26%64.57%61.92%64.21%
EBT Per EBIT
100.00%86.26%81.14%81.21%76.95%
Return on Assets (ROA)
1.28%1.30%1.03%0.89%0.70%
Return on Equity (ROE)
18.49%18.07%15.51%13.56%10.60%
Return on Capital Employed (ROCE)
6.92%8.28%7.19%5.79%4.29%
Return on Invested Capital (ROIC)
4.28%4.31%3.26%3.05%2.53%
Return on Tangible Assets
1.28%1.31%1.04%0.90%0.70%
Earnings Yield
9.06%18.57%15.49%17.40%14.08%
Efficiency Ratios
Receivables Turnover
9.57 0.66 0.70 0.60 0.64
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
6.01 3.29 3.00 2.72 2.62
Asset Turnover
0.07 0.04 0.04 0.03 0.03
Working Capital Turnover Ratio
-0.12 -0.11 -0.10 -0.10 -0.09
Cash Conversion Cycle
38.16 554.67 521.23 603.65 570.99
Days of Sales Outstanding
38.16 554.67 521.23 603.65 570.99
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
38.16 554.67 521.23 603.65 570.99
Cash Flow Ratios
Operating Cash Flow Per Share
7.16 -3.15 -0.12 3.64 -0.19
Free Cash Flow Per Share
6.96 -3.36 -0.41 3.27 -0.34
CapEx Per Share
0.21 0.21 0.29 0.38 0.15
Free Cash Flow to Operating Cash Flow
0.97 1.07 3.52 0.90 1.76
Dividend Paid and CapEx Coverage Ratio
7.90 -3.56 -0.16 5.13 -0.66
Capital Expenditure Coverage Ratio
34.50 -15.22 -0.40 9.71 -1.31
Operating Cash Flow Coverage Ratio
0.37 -0.13 >-0.01 0.21 -0.01
Operating Cash Flow to Sales Ratio
0.76 -0.58 -0.03 1.03 -0.07
Free Cash Flow Yield
35.15%-35.80%-4.90%58.23%-6.62%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
11.04 5.39 6.46 5.75 7.10
Price-to-Sales (P/S) Ratio
2.10 1.72 1.91 1.59 1.78
Price-to-Book (P/B) Ratio
1.99 0.97 1.00 0.78 0.75
Price-to-Free Cash Flow (P/FCF) Ratio
2.84 -2.79 -20.39 1.72 -15.10
Price-to-Operating Cash Flow Ratio
2.79 -2.98 -71.82 1.54 -26.60
Price-to-Earnings Growth (PEG) Ratio
0.11 0.18 0.20 0.12 0.02
Price-to-Fair Value
1.99 0.97 1.00 0.78 0.75
Enterprise Value Multiple
8.99 8.19 10.67 5.70 8.79
Enterprise Value
158.02B 138.70B 147.53B 66.08B 74.58B
EV to EBITDA
8.99 8.19 10.67 5.70 8.79
EV to Sales
2.91 4.39 5.43 2.88 4.01
EV to Free Cash Flow
3.95 -7.15 -58.08 3.11 -34.08
EV to Operating Cash Flow
3.83 -7.62 -204.61 2.79 -60.04
Tangible Book Value Per Share
10.28 9.97 8.50 7.43 7.27
Shareholders’ Equity Per Share
10.02 9.65 8.31 7.20 6.86
Tax and Other Ratios
Effective Tax Rate
0.31 0.31 0.32 0.34 0.26
Revenue Per Share
9.42 5.47 4.37 3.53 2.91
Net Income Per Share
1.81 1.74 1.29 0.98 0.73
Tax Burden
0.65 0.65 0.65 0.62 0.64
Interest Burden
1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.23 0.37 0.39 0.40 0.44
Stock-Based Compensation to Revenue
0.00 0.00 0.00 0.00 0.00
Income Quality
3.88 -1.81 -0.09 3.47 -0.22
Currency in EUR