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Banco Bilbao Viscaya Argentaria (DE:BBVA)
NYSE:BBVA
Germany Market

Banco Bilbao (BBVA) Ratios

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Banco Bilbao Ratios

DE:BBVA's free cash flow for Q4 2025 was €0.82. For the 2025 fiscal year, DE:BBVA's free cash flow was decreased by € and operating cash flow was €0.40. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
0.24 0.44 0.32 0.48 0.48
Quick Ratio
0.24 0.44 0.32 0.48 0.48
Cash Ratio
0.15 0.15 0.10 0.15 0.17
Solvency Ratio
0.02 0.02 0.02 0.01 0.01
Operating Cash Flow Ratio
0.18 0.18 -0.03 >-0.01 0.05
Short-Term Operating Cash Flow Coverage
0.00 0.00 -0.27 >-0.01 0.44
Net Current Asset Value
€ -645.02B€ -521.83B€ -527.12B€ -449.76B€ -424.16B
Leverage Ratios
Debt-to-Assets Ratio
0.10 0.10 0.19 0.23 0.16
Debt-to-Equity Ratio
1.43 1.43 2.60 3.46 2.44
Debt-to-Capital Ratio
0.59 0.59 0.72 0.78 0.71
Long-Term Debt-to-Capital Ratio
0.59 0.59 0.57 0.58 0.56
Financial Leverage Ratio
14.99 14.99 13.88 15.00 15.18
Debt Service Coverage Ratio
0.77 0.00 0.12 0.08 0.12
Interest Coverage Ratio
0.99 0.00 0.42 0.62 1.03
Debt to Market Cap
0.76 0.69 2.64 3.43 3.10
Interest Debt Per Share
16.30 13.70 31.34 32.77 19.50
Net Debt to EBITDA
-0.68 -0.68 4.99 6.93 2.55
Profitability Margins
Gross Profit Margin
83.85%83.56%-18.76%100.00%100.00%
EBIT Margin
43.15%43.94%43.42%45.72%44.60%
EBITDA Margin
47.19%48.06%47.74%50.89%50.47%
Operating Profit Margin
43.15%43.94%43.42%56.35%55.03%
Pretax Profit Margin
43.15%43.94%43.42%45.72%44.69%
Net Profit Margin
27.95%28.46%28.34%29.52%27.67%
Continuous Operations Profit Margin
29.58%30.13%29.80%30.99%29.44%
Net Income Per EBT
64.78%64.77%65.26%64.57%61.92%
EBT Per EBIT
100.00%100.00%100.00%81.14%81.21%
Return on Assets (ROA)
1.22%1.22%1.30%1.03%0.89%
Return on Equity (ROE)
18.53%18.33%18.07%15.51%13.56%
Return on Capital Employed (ROCE)
7.16%7.16%7.75%7.19%5.79%
Return on Invested Capital (ROIC)
4.91%4.91%3.95%3.26%3.05%
Return on Tangible Assets
1.23%1.23%1.31%1.04%0.90%
Earnings Yield
9.25%8.87%18.57%15.49%17.40%
Efficiency Ratios
Receivables Turnover
0.00 0.00 1.12 0.70 0.60
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
3.97 3.89 3.73 3.00 2.72
Asset Turnover
0.04 0.04 0.05 0.04 0.03
Working Capital Turnover Ratio
-0.08 -0.10 -0.09 -0.10 -0.10
Cash Conversion Cycle
0.00 0.00 326.02 521.23 603.65
Days of Sales Outstanding
0.00 0.00 326.02 521.23 603.65
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
0.00 0.00 326.02 521.23 603.65
Cash Flow Ratios
Operating Cash Flow Per Share
19.11 19.00 -3.15 -0.12 3.64
Free Cash Flow Per Share
18.90 18.87 -3.36 -0.41 3.27
CapEx Per Share
0.21 0.13 0.21 0.29 0.38
Free Cash Flow to Operating Cash Flow
0.99 0.99 1.07 3.52 0.90
Dividend Paid and CapEx Coverage Ratio
21.16 23.52 -3.56 -0.16 5.13
Capital Expenditure Coverage Ratio
92.26 142.84 -15.22 -0.40 9.71
Operating Cash Flow Coverage Ratio
1.41 1.39 -0.13 >-0.01 0.21
Operating Cash Flow to Sales Ratio
3.06 3.07 -0.51 -0.03 1.03
Free Cash Flow Yield
106.33%95.10%-35.80%-4.90%58.23%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
10.81 11.27 5.39 6.46 5.75
Price-to-Sales (P/S) Ratio
2.85 3.21 1.53 1.91 1.59
Price-to-Book (P/B) Ratio
1.98 2.07 0.97 1.00 0.78
Price-to-Free Cash Flow (P/FCF) Ratio
0.94 1.05 -2.79 -20.39 1.72
Price-to-Operating Cash Flow Ratio
0.99 1.04 -2.98 -71.82 1.54
Price-to-Earnings Growth (PEG) Ratio
9.56 18.94 0.18 0.20 0.12
Price-to-Fair Value
1.98 2.07 0.97 1.00 0.78
Enterprise Value Multiple
5.36 5.99 8.19 10.67 5.70
Enterprise Value
95.09B 106.37B 138.70B 147.53B 66.08B
EV to EBITDA
5.36 5.99 8.19 10.67 5.70
EV to Sales
2.53 2.88 3.91 5.43 2.88
EV to Free Cash Flow
0.83 0.94 -7.15 -58.08 3.11
EV to Operating Cash Flow
0.83 0.94 -7.62 -204.61 2.79
Tangible Book Value Per Share
9.77 9.87 9.97 8.50 7.43
Shareholders’ Equity Per Share
9.51 9.60 9.65 8.31 7.20
Tax and Other Ratios
Effective Tax Rate
0.31 0.31 0.31 0.32 0.34
Revenue Per Share
6.24 6.18 6.15 4.37 3.53
Net Income Per Share
1.74 1.76 1.74 1.29 0.98
Tax Burden
0.65 0.65 0.65 0.65 0.62
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
0.34 0.35 0.36 0.39 0.40
Stock-Based Compensation to Revenue
0.00 0.00 0.00 0.00 0.00
Income Quality
10.64 11.68 -1.81 -0.09 3.47
Currency in EUR