Banco Bilbao (BBVA) AI Stock Analysis

• Market Cap: $115.88B
• Dividend Yield: 4.07%
• Average Volume (3M): 1.56M
• Price to Earnings (P/E): 10.1
• 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: 1,367,481
• 30 Day Avg. Volume: 1,561,366
• 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: 1.95
• Enterprise Value/Revenue: 5.29
• Enterprise Value/Gross Profit: 7.27
• Enterprise Value/Ebitda: 12.85
• 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: 70 Outperform
• Price Target: $22.00 ▲(9.34% Upside)

BBVA's overall stock score is driven by strong earnings call performance and positive technical indicators, despite financial challenges related to cash flow and debt. The valuation is reasonable, and the company's strategic growth initiatives and shareholder returns bolster its investment appeal.

Positive Factors

Revenue Growth

Strong revenue growth indicates robust demand for BBVA's services and effective market penetration, supporting long-term profitability.

Loan Growth

Sustained loan growth reflects BBVA's ability to expand its lending portfolio, enhancing interest income and market position.

Efficiency Improvements

Improved efficiency ratio signifies effective cost control and operational efficiency, bolstering long-term profitability.

Negative Factors

High Debt Levels

High debt levels can strain financial flexibility, posing risks to cash flow and limiting investment capacity.

Cash Flow Challenges

Persistent cash flow challenges may hinder BBVA's ability to fund operations and growth initiatives, impacting liquidity.

Asset Quality Concerns

Rising cost of risk in Turkey indicates asset quality issues, potentially leading to higher provisioning and impacting profitability.

Banco Bilbao Business Overview & Revenue Model

Company Description

Banco Bilbao Vizcaya Argentaria (BBVA) is a multinational financial services company based in Spain, primarily operating in the banking sector. Founded in 1857, BBVA has a significant presence in various countries, including Spain, Mexico, the United States, and several countries in South America and Europe. The bank provides a wide range of products and services, including retail banking, corporate banking, investment banking, asset management, and insurance services, catering to both individual customers and businesses.

How the Company Makes Money

BBVA generates revenue through various key streams, primarily from interest income, fees, and commissions. The bank earns interest income by lending money to customers at higher rates than the interest it pays on deposits. This interest rate spread is a major contributor to its profitability. Additionally, BBVA charges fees for services such as account maintenance, transactions, and investment services, which add to its revenue. The bank also engages in investment banking activities, including underwriting and advisory services, which provide further income. Significant partnerships, especially in the fintech sector, enhance BBVA's technological capabilities and customer reach, contributing to its earnings through innovative financial products and services. Furthermore, the bank's focus on digital transformation and customer-centric services has positioned it to capture a broader market share and increase profitability.

Banco Bilbao Financial Statement Overview

Summary

Banco Bilbao demonstrates strong revenue growth and profitability, with a healthy gross profit margin and solid net profit margin. However, declining EBIT and EBITDA margins, negative operating and free cash flows, and a high debt-to-equity ratio indicate financial challenges that need addressing.

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	42.70B	31.57B	27.16B	22.98B	18.60B	30.07B
Gross Profit	31.07B	31.57B	27.16B	22.98B	19.97B	16.92B
EBITDA	17.57B	16.94B	13.82B	11.60B	8.48B	6.54B
Net Income	10.51B	10.05B	8.02B	6.36B	4.65B	1.30B
Balance Sheet
Total Assets	776.97B	772.40B	775.56B	712.09B	662.88B	733.80B
Cash, Cash Equivalents and Short-Term Investments	131.27B	199.57B	144.79B	225.41B	228.87B	208.37B
Total Debt	71.80B	144.43B	179.11B	114.64B	116.09B	110.80B
Total Liabilities	716.09B	712.39B	720.29B	661.57B	614.13B	683.78B
Stockholders Equity	56.83B	55.65B	51.70B	46.90B	43.91B	44.55B
Cash Flow
Free Cash Flow	1.64B	-19.39B	-2.54B	21.28B	-2.19B	38.23B
Operating Cash Flow	2.70B	-18.19B	-721.00M	23.72B	-1.24B	39.35B
Investing Cash Flow	-1.24B	-1.42B	-1.42B	-3.91B	-1.63B	-37.00M
Financing Cash Flow	-2.70B	-2.57B	-1.84B	-7.56B	-4.35B	-2.07B

Banco Bilbao Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 20.12
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 20.12 is above the 20-day moving average (MA) of 19.51, above the 50-day MA of 19.09, and above the 200-day MA of 15.59, indicating a bullish trend. The MACD of 0.36 indicates Negative momentum. The RSI at 62.79 is Neutral, neither overbought nor oversold. The STOCH value of 61.00 is Neutral, 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
BCS	77 Outperform	$73.52B	9.67	9.44%	2.05%	17.50%	49.25%
ING	72 Outperform	$75.54B	11.31	11.71%	4.58%	2.20%	-0.17%
SAN	72 Outperform	$150.55B	9.97	12.54%	2.52%	-15.34%	16.71%
MUFG	71 Outperform	$171.54B	14.03	9.43%	1.39%	0.82%	28.48%
BBVA	70 Outperform	$115.88B	10.10	18.00%	4.07%	7.52%	10.40%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
C	67 Neutral	$185.95B	14.20	6.88%	2.28%	-0.63%	105.57%

Banco Bilbao Corporate Events

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.