Banco Bilbao (BBVA) AI Stock Analysis

• Market Cap: $133.87B
• Dividend Yield: 3.27%
• Average Volume (3M): 1.31M
• Price to Earnings (P/E): 11.6
• Beta (1Y): 0.79
• Revenue Growth: 7.52%
• EPS Growth: 10.40%
• Country: US
• Employees: 124,741
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Diversified
• EPS (TTM): 0.49
• Shares Outstanding: 5,763,285,600
• 10 Day Avg. Volume: 1,428,596
• 30 Day Avg. Volume: 1,308,429
• PEG Ratio: 0.18
• Price to Book (P/B): 0.97
• Price to Sales (P/S): 1.72
• P/FCF Ratio: -2.79
• Enterprise Value/Market Cap: 1.69
• Enterprise Value/Revenue: 4.25
• Enterprise Value/Gross Profit: 7.06
• Enterprise Value/Ebitda: 12.84
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: $25.00 ▲(16.28% Upside)

BBVA's strong financial performance, supported by robust revenue growth and profitability, is the most significant factor in its stock score. Technical indicators show bullish momentum, although caution is advised due to potential overbought conditions. Valuation metrics suggest the stock is attractively priced, and the positive earnings call further supports a favorable outlook. However, high leverage and regional challenges pose risks that should be monitored.

Positive Factors

Revenue Growth

Strong revenue growth, especially in core areas like net interest income and fees, indicates a robust business model and market demand, supporting long-term financial stability.

Efficiency Improvements

Improved efficiency ratio suggests effective cost management, enhancing profitability and competitive positioning in the banking sector.

Strong Cash Flow Generation

Robust cash flow growth indicates strong cash generation ability, providing financial flexibility for investments and shareholder returns.

Negative Factors

High Leverage

High leverage poses risks in volatile markets, potentially straining financial stability and limiting strategic flexibility.

Declining Margins

Declining margins may indicate cost pressures or inefficiencies, potentially impacting profitability and competitive edge.

Regional Challenges

Regional challenges can affect asset quality and profitability, posing risks to BBVA's operations and financial performance in these markets.

Banco Bilbao Business Overview & Revenue Model

Company Description

Banco Bilbao Vizcaya Argentaria (BBVA) is a multinational financial services company headquartered in Bilbao, Spain. It operates in various sectors including retail banking, corporate banking, investment banking, and asset management. BBVA offers a wide range of products and services, such as personal loans, mortgages, credit cards, insurance, investment products, and wealth management services, catering to both individual and corporate clients across its global markets, primarily in Spain, Mexico, and South America.

How the Company Makes Money

BBVA generates revenue through several key streams. The primary source of income comes from net interest income, which is the difference between the interest earned on loans and the interest paid on deposits. Additionally, BBVA earns substantial fees and commissions from various banking services, including transaction fees, asset management fees, and advisory services. The bank also generates revenue through its investment banking division by providing underwriting services, mergers and acquisitions advisory, and capital market services. Furthermore, BBVA has established significant partnerships with fintech companies to enhance its digital banking offerings, which not only broadens its customer base but also increases transactional revenue. Other contributing factors to its earnings include income from foreign exchange and trading activities, particularly in its international markets.

Banco Bilbao Financial Statement Overview

Summary

Banco Bilbao demonstrates strong revenue growth and profitability, with a solid net profit margin of 23.33%. However, declining EBIT and EBITDA margins and negative operating and free cash flows indicate potential cost pressures and liquidity concerns. The balance sheet shows improved leverage but still relies heavily on debt.

Income Statement

Banco Bilbao's income statement shows a strong revenue growth rate of 18.7% TTM, indicating robust top-line expansion. The gross profit margin is healthy at 68.99%, and the net profit margin is solid at 23.33%. However, there is a noticeable decline in EBIT and EBITDA margins compared to previous years, suggesting potential cost pressures or inefficiencies.

Balance Sheet

The balance sheet reflects a high debt-to-equity ratio of 1.26 TTM, which is a significant improvement from previous years, indicating better leverage management. Return on equity is strong at 19.06%, showcasing effective utilization of equity. However, the equity ratio remains low, suggesting a heavy reliance on debt financing.

Cash Flow

The cash flow statement reveals challenges, with negative operating and free cash flows TTM, indicating cash management issues. The free cash flow to net income ratio is close to 1, suggesting that net income is not translating effectively into free cash flow. The free cash flow growth rate is negative, highlighting potential liquidity concerns.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	53.10B	31.57B	27.16B	22.98B	18.60B	30.07B
Gross Profit	32.01B	31.57B	27.16B	22.98B	19.97B	16.92B
EBITDA	17.59B	16.94B	13.82B	11.60B	8.48B	6.54B
Net Income	10.41B	10.05B	8.02B	6.36B	4.65B	1.30B
Balance Sheet
Total Assets	813.06B	772.40B	775.56B	712.09B	662.88B	733.80B
Cash, Cash Equivalents and Short-Term Investments	125.11B	199.57B	144.79B	225.41B	228.87B	208.37B
Total Debt	110.14B	144.43B	179.11B	114.64B	116.09B	110.80B
Total Liabilities	751.25B	712.39B	720.29B	661.57B	614.13B	683.78B
Stockholders Equity	57.64B	55.65B	51.70B	46.90B	43.91B	44.55B
Cash Flow
Free Cash Flow	3.07B	-19.39B	-2.54B	21.28B	-2.19B	38.23B
Operating Cash Flow	4.26B	-18.19B	-721.00M	23.72B	-1.24B	39.35B
Investing Cash Flow	-1.18B	-1.42B	-1.42B	-3.91B	-1.63B	-37.00M
Financing Cash Flow	-3.01B	-2.57B	-1.84B	-7.56B	-4.35B	-2.07B

Banco Bilbao Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 21.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BBVA, the sentiment is Positive. The current price of 21.5 is below the 20-day moving average (MA) of 22.14, above the 50-day MA of 20.84, and above the 200-day MA of 16.93, indicating a bullish trend. The MACD of 0.63 indicates Negative momentum. The RSI at 69.80 is Neutral, neither overbought nor oversold. The STOCH value of 85.38 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BBVA.

Banco Bilbao Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MUFG	77 Outperform	$175.08B	14.12	9.01%	2.52%	-1.09%	8.53%
BCS	77 Outperform	$87.59B	11.52	9.44%	1.72%	17.50%	49.25%
BBVA	76 Outperform	$133.87B	11.62	18.00%	3.27%	7.52%	10.40%
ING	72 Outperform	$82.73B	12.51	11.71%	4.15%	2.20%	-0.17%
SAN	72 Outperform	$174.57B	11.66	12.54%	1.87%	-15.34%	16.71%
C	68 Neutral	$205.52B	16.15	6.88%	1.96%	-0.62%	105.57%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Banco Bilbao Corporate Events

BBVA Completes €993 Million Buyback Program

On December 10, 2025, BBVA announced the completion of its Buyback Program, having reached the maximum monetary amount of 993 million euros. The program involved acquiring 54,316,765 shares, representing approximately 0.93% of the company’s share capital. The purpose of this buyback is to reduce BBVA’s share capital by redeeming the acquired shares, which is expected to impact the company’s financial structure positively and potentially enhance shareholder value.

BBVA Nears Completion of Share Buyback Program

BBVA announced the progress of its share buyback program, which was initially communicated on October 30, 2025. Between December 1 and December 8, 2025, BBVA executed transactions that brought the total cash amount spent on the buyback to approximately 922.48 million Euros, representing 92.90% of the program’s maximum cash limit. This buyback initiative is part of BBVA’s strategy to optimize its capital structure and deliver value to its shareholders.

BBVA Advances Share Buyback Program in November 2025

BBVA announced the execution of a share buyback program, purchasing shares between November 17 and November 21, 2025. The transactions amounted to approximately 538.39 million Euros, representing 54.22% of the program’s maximum cash amount, indicating significant progress in the bank’s strategic financial maneuvers.

BBVA Executes Significant Share Buyback Program in November 2025

On November 17, 2025, BBVA announced the execution of a buyback program for its own shares, which took place between November 11 and 14, 2025. The transactions amounted to 371,068,084.19 Euros, representing approximately 37.37% of the program’s maximum cash amount. This buyback initiative is part of BBVA’s strategic financial management efforts, potentially impacting shareholder value and market perception.

BBVA Advances Share Buyback Program in November 2025

BBVA announced the execution of a share buyback program between October 31 and November 10, 2025, purchasing shares worth approximately 231 million Euros. This amount represents 23.27% of the maximum cash allocated for the buyback program, reflecting BBVA’s strategic move to enhance shareholder value and optimize capital structure.

BBVA to Present Q3 2025 Financial Results on October 30

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) announced that it will present its financial results for the third quarter of 2025 on October 30, 2025. This presentation will be accessible via BBVA’s website and a recording will be available for at least one month, highlighting the bank’s commitment to transparency and stakeholder engagement.

BBVA Accelerates Shareholder Remuneration After Banco Sabadell Bid Lapses

BBVA announced that its takeover bid for Banco Sabadell will not proceed as the minimum acceptance level was not met. In response, BBVA will accelerate its shareholder remuneration plan, including a share buyback of around €1 billion starting October 31, and the highest interim dividend ever of €0.32 per share on November 7, totaling €1.8 billion. The bank’s Strategic Plan aims to maintain its position at the forefront of European banking, with ambitious financial goals for 2025-2028, including a ROTE of around 22% and a cumulative attributable profit of approximately €48 billion over four years.

BBVA Announces Interim Dividend Amid Banco de Sabadell Acquisition Offer

On September 29, 2025, BBVA announced a cash interim dividend of €0.32 per share to be paid on November 7, 2025, as part of its 2025 dividend plan. However, if BBVA’s voluntary offer for Banco de Sabadell is not settled by November 4, the dividend payment will be postponed to ensure new shareholders from the offer can participate. This strategic move reflects BBVA’s commitment to shareholder value and may impact its market positioning and stakeholder relations.