Banco Bilbao Vizcaya Argentaria (BBVA) AI Stock Analysis

• Market Cap: €82.53B
• Dividend Yield: 4.88%
• Average Volume (3M): 7.44M
• Price to Earnings (P/E): 7.9
• Beta (1Y): 1.43
• Revenue Growth: 25.01%
• EPS Growth: 16.20%
• Country: ES
• Employees: 124,741
• Sector: Financial
• Sector Strength: 68
• Industry: Banks - Diversified
• EPS (TTM): 0.46
• Shares Outstanding: 5,763,285,600
• 10 Day Avg. Volume: 9,523,849
• 30 Day Avg. Volume: 7,442,590
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: €14.43
• Price Target Upside: -2.50% Downside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 6

• Rating: 77 Outperform
• Price Target: €16.50 ▲(11.49%Upside)

BBVA's overall stock score is driven by strong financial performance and attractive valuation, bolstered by positive earnings call insights. Despite technical indicators suggesting potential corrections, the bank's strategic focus and profitability provide a solid foundation for future growth.

Banco Bilbao Vizcaya Argentaria Business Overview & Revenue Model

Company Description

Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides retail banking, wholesale banking, and asset management services. It offers current accounts; and demand, savings, overnight, time, term, and subordinated deposits. The company also provides loan products; deals in securities; and manages pension and investment funds. In addition, it offers credit cards; corporate and investment banking services; insurance products and services; and real estate services. The company provides its products through online and mobile channels. As of December 31, 2021, it operated through a network of 6,083 branches and 29,148 ATMs. It operates in Spain, Mexico, South America, the United States, Turkey, Asia, and rest of Europe. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.

How the Company Makes Money

BBVA generates revenue primarily through interest income from lending activities, including personal loans, mortgages, and commercial loans. It also earns income from fees and commissions charged for services such as account management, payments, and asset management. Additionally, BBVA benefits from trading and investment activities, earning profits from its securities portfolio and financial market operations. The bank's insurance and asset management divisions contribute to its earnings by providing risk management and investment products. Key partnerships with fintech companies and digital platforms enhance its service offerings and expand its customer base, further boosting revenue. BBVA's geographical diversification, particularly its significant presence in Spain, Mexico, and Turkey, helps it mitigate regional economic fluctuations and capture growth opportunities in emerging markets.

Banco Bilbao Vizcaya Argentaria Financial Statement Overview

Summary

Banco Bilbao Vizcaya Argentaria shows strong income statement performance with consistent revenue and profit growth. The balance sheet reflects a sound equity position, although there is a reliance on liabilities. Cash flow metrics show some concerns regarding growth but remain stable overall.

Income Statement

Banco Bilbao Vizcaya Argentaria exhibits strong financial performance with a substantial increase in total revenue and net income over the years. The TTM gross profit margin stands at 82.64%, indicating efficient cost management. The net profit margin is healthy at 23.70%, showing profitability. The revenue growth rate from 2024 to TTM is 25.52%, reflecting robust growth. EBIT and EBITDA margins are solid at 36.59% and 40.06%, respectively, indicating strong operational efficiency.

Balance Sheet

The bank maintains a strong equity position with a debt-to-equity ratio of 1.96, indicating moderate leverage. The return on equity (ROE) is impressive at 19.15%, showcasing effective utilization of shareholder equity. However, the equity ratio of 7.12% suggests a high reliance on liabilities for funding, which is typical in banking but still a potential risk factor. Overall, the balance sheet shows stability with a focus on equity growth.

Cash Flow

The TTM cash flow analysis indicates a free cash flow growth rate of -85.44%, primarily due to a significant reduction in operating cash flow compared to the previous year. Despite this, the operating cash flow to net income ratio is 0.57, suggesting moderate cash generation efficiency relative to net income. The free cash flow to net income ratio stands at 0.45, reflecting moderate cash generation capabilities. The reduction in free cash flow growth is a concern but is partially offset by positive cash flow metrics.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	33.14B	31.57B	27.16B	22.98B	18.60B	15.23B
Gross Profit	32.19B	31.57B	27.16B	24.68B	19.97B	15.23B
EBITDA	17.83B	16.94B	13.82B	11.60B	8.48B	6.54B
Net Income	10.55B	10.05B	8.02B	6.36B	4.65B	1.30B
Balance Sheet
Total Assets	772.86B	772.40B	775.56B	712.09B	662.88B	733.80B
Cash, Cash Equivalents and Short-Term Investments	151.20B	199.57B	256.84B	225.41B	228.87B	208.37B
Total Debt	107.72B	144.43B	179.11B	114.64B	116.09B	110.80B
Total Liabilities	713.60B	712.39B	720.29B	661.57B	614.13B	683.78B
Stockholders Equity	55.08B	55.65B	51.70B	46.90B	43.91B	44.55B
Cash Flow
Free Cash Flow	4.56B	-20.20B	-2.54B	21.28B	-2.19B	38.23B
Operating Cash Flow	5.99B	-18.19B	-721.00M	23.72B	-1.24B	39.35B
Investing Cash Flow	-25.15B	-53.55B	-1.42B	-3.91B	-1.63B	-37.00M
Financing Cash Flow	-3.21B	-2.57B	-1.84B	-7.56B	-4.35B	-2.07B

Banco Bilbao Vizcaya Argentaria Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 14.80
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ES:BBVA, the sentiment is Positive. The current price of 14.8 is above the 20-day moving average (MA) of 13.27, above the 50-day MA of 13.16, and above the 200-day MA of 11.42, indicating a bullish trend. The MACD of 0.33 indicates Negative momentum. The RSI at 73.04 is Negative, neither overbought nor oversold. The STOCH value of 90.88 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for ES:BBVA.

Banco Bilbao Vizcaya Argentaria Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BBVA	77 Outperform	€82.53B	7.94	18.91%	4.88%	25.01%	16.20%
Sector *	74 Outperform	15.24B	17.88	15.37%	3.83%	8.25%	25.93%
0H00	―	€15.83B	8.85	13.27%	6.74%	―	―
BNC	―	£93.17B	8.45	13.10%	0.42%	―	―
0H7O	―	€11.09B	10.87	17.23%	4.60%	―	―
0ILK	―	€57.42B	9.55	16.64%	5.46%	―	―
UNJCF	―	$6.63B	9.78	9.57%	2.45%	―	―

Banco Bilbao Vizcaya Argentaria Corporate Events

BBVA’s Acquisition of Banco Sabadell Approved with Conditions

BBVA has received authorization from the National Commission of Markets and Competition (CNMC) for its acquisition of Banco de Sabadell, forming the second largest financial entity in Spain by credit volume. This merger is contingent upon commitments to maintain financial inclusion, territorial cohesion, and credit access for SMEs and freelancers, including maintaining office operations in underserved areas and offering favorable commercial conditions.