(BBVA) Banco Bilbao Viscaya - Overview
Exchange: NYSE •
Country: Spain •
Currency: USD •
Type: Common Stock •
ISIN: US05946K1016
Stock: Savings, Loans, Cards, Insurance, Investments
Total Rating 55
Risk 25
Buy Signal 0.83
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 5.44% |
| Yield on Cost 5y | 20.58% |
| Yield CAGR 5y | 50.08% |
| Payout Consistency | 84.4% |
| Payout Ratio | 41.1% |
| Risk 5d forecast | |
|---|---|
| Volatility | 46.4% |
| Relative Tail Risk | 1.31% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.34 |
| Alpha | 106.94 |
| Character TTM | |
|---|---|
| Beta | 0.892 |
| Beta Downside | 0.901 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.76% |
| CAGR/Max DD | 3.05 |
Description: BBVA Banco Bilbao Viscaya January 28, 2026
Banco Bilbao Vizcaya Argentaria (BBVA) is a diversified banking group headquartered in Bilbao, Spain, offering retail, wholesale, and asset-management services across Spain, Mexico, Turkey, South America, the rest of Europe, the United States, and Asia. Its product suite includes deposits, mortgages, consumer and corporate loans, credit cards, insurance, leasing, factoring, and brokerage, with a growing emphasis on online and mobile delivery channels.
As of Q3 2024, BBVA reported a net profit of €5.2 billion, a CET1 capital ratio of 13.5 % (up from 13.1 % in Q2 2024), and a 4 % year-over-year increase in its loan portfolio, driven primarily by strong growth in Mexico and Turkey. Net interest margin expanded to 2.1 % amid a Eurozone policy rate of roughly 4.5 %, while digital active customers surpassed 18 million, reflecting a 7 % increase YoY. Key macro drivers include the European banking sector’s shift toward higher-rate environments, Spain’s modest 2 % GDP growth, and Mexico’s inflation-adjusted credit demand, all of which shape BBVA’s earnings outlook.
For a deeper, data-rich dive into BBVA’s valuation dynamics, you may find ValueRay’s dedicated analysis useful.
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income: 18.49b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 0.55 > 1.0 |
| NWC/Revenue: 75.19% < 20% (prev -979.6%; Δ 1055 % < -1%) |
| CFO/TA 0.00 > 3% & CFO 4.26b > Net Income 18.49b |
| Net Debt (133.34b) to EBITDA (37.54b): 3.55 < 3 |
| Current Ratio: 1.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (5.97b) vs 12m ago -1.81% < -2% |
| Gross Margin: 74.65% > 18% (prev 0.53%; Δ 7412 % > 0.5%) |
| Asset Turnover: 10.03% > 50% (prev 4.09%; Δ 5.94% > 0%) |
| Interest Coverage Ratio: 2.12 > 6 (EBITDA TTM 37.54b / Interest Expense TTM 16.45b) |
Altman Z'' 0.93
| A: 0.07 (Total Current Assets 748.62b - Total Current Liabilities 687.09b) / Total Assets 859.58b |
| B: 0.06 (Retained Earnings 52.56b / Total Assets 859.58b) |
| C: 0.04 (EBIT TTM 34.89b / Avg Total Assets 815.99b) |
| D: -0.02 (Book Value of Equity -18.87b / Total Liabilities 797.78b) |
| Altman-Z'' Score: 0.93 = BB |
Beneish M -0.40
| DSRI: 3.70 (Receivables 460.40b/47.98b, Revenue 81.83b/31.57b) |
| GMI: 0.71 (GM 74.65% / 52.74%) |
| AQI: 0.18 (AQ_t 0.12 / AQ_t-1 0.67) |
| SGI: 2.59 (Revenue 81.83b / 31.57b) |
| TATA: 0.02 (NI 18.49b - CFO 4.26b) / TA 859.58b) |
| Beneish M-Score: -0.40 (Cap -4..+1) = D |
What is the price of BBVA shares?
As of February 08, 2026, the stock is trading at USD 24.09 with a total of 5,548,626 shares traded.
Over the past week, the price has changed by -5.23%, over one month by +2.90%, over three months by +16.49% and over the past year by +111.61%.
Over the past week, the price has changed by -5.23%, over one month by +2.90%, over three months by +16.49% and over the past year by +111.61%.
Is BBVA a buy, sell or hold?
Banco Bilbao Viscaya has received a consensus analysts rating of 4.00.
Therefore, it is recommended to buy BBVA.
- StrongBuy: 1
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the BBVA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 24.3 | 0.8% |
| Analysts Target Price | 24.3 | 0.8% |
| ValueRay Target Price | 38.4 | 59.2% |
BBVA Fundamental Data Overview February 07, 2026
P/E Trailing = 11.1538
P/E Forward = 10.3627
P/S = 4.1995
P/B = 1.9378
P/EG = 2.6203
Revenue TTM = 81.83b USD
EBIT TTM = 34.89b USD
EBITDA TTM = 37.54b USD
Long Term Debt = 82.67b USD (from longTermDebt, two quarters ago)
Short Term Debt = 110.33b USD (from shortTermDebt, last quarter)
Debt = 192.18b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 133.34b USD (from netDebt column, last quarter)
Enterprise Value = 130.72b USD (132.85b + Debt 192.18b - CCE 194.30b)
Interest Coverage Ratio = 2.12 (Ebit TTM 34.89b / Interest Expense TTM 16.45b)
EV/FCF = 42.62x (Enterprise Value 130.72b / FCF TTM 3.07b)
FCF Yield = 2.35% (FCF TTM 3.07b / Enterprise Value 130.72b)
FCF Margin = 3.75% (FCF TTM 3.07b / Revenue TTM 81.83b)
Net Margin = 22.59% (Net Income TTM 18.49b / Revenue TTM 81.83b)
Gross Margin = 74.65% ((Revenue TTM 81.83b - Cost of Revenue TTM 20.75b) / Revenue TTM)
Gross Margin QoQ = none% (prev 45.87%)
Tobins Q-Ratio = 0.15 (Enterprise Value 130.72b / Total Assets 859.58b)
Interest Expense / Debt = 4.23% (Interest Expense 8.12b / Debt 192.18b)
Taxrate = 31.43% (5.10b / 16.23b)
NOPAT = 23.93b (EBIT 34.89b * (1 - 31.43%))
Current Ratio = 1.09 (Total Current Assets 748.62b / Total Current Liabilities 687.09b)
Debt / Equity = 3.35 (Debt 192.18b / totalStockholderEquity, last quarter 57.36b)
Debt / EBITDA = 3.55 (Net Debt 133.34b / EBITDA 37.54b)
Debt / FCF = 43.48 (Net Debt 133.34b / FCF TTM 3.07b)
Total Stockholder Equity = 56.73b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.27% (Net Income 18.49b / Total Assets 859.58b)
RoE = 32.59% (Net Income TTM 18.49b / Total Stockholder Equity 56.73b)
RoCE = 25.03% (EBIT 34.89b / Capital Employed (Equity 56.73b + L.T.Debt 82.67b))
RoIC = 17.92% (NOPAT 23.93b / Invested Capital 133.52b)
WACC = 5.47% (E(132.85b)/V(325.02b) * Re(9.20%) + D(192.18b)/V(325.02b) * Rd(4.23%) * (1-Tc(0.31)))
Discount Rate = 9.20% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.18%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈3.07b ; Y1≈2.01b ; Y5≈918.6m
Fair Price DCF = N/A (negative equity: EV 29.27b - Net Debt 133.34b = -104.07b; debt exceeds intrinsic value)
EPS Correlation: 94.13 | EPS CAGR: 19.59% | SUE: -0.54 | # QB: 0
Revenue Correlation: 59.46 | Revenue CAGR: 49.50% | SUE: 4.0 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.60 | Chg30d=N/A | Revisions Net=+0 | Analysts=1
EPS current Year (2026-12-31): EPS=2.03 | Chg30d=+0.037 | Revisions Net=+1 | Growth EPS=-2.1% | Growth Revenue=+7.3%
EPS next Year (2027-12-31): EPS=2.08 | Chg30d=+0.037 | Revisions Net=+1 | Growth EPS=+2.3% | Growth Revenue=+4.4%
P/E Forward = 10.3627
P/S = 4.1995
P/B = 1.9378
P/EG = 2.6203
Revenue TTM = 81.83b USD
EBIT TTM = 34.89b USD
EBITDA TTM = 37.54b USD
Long Term Debt = 82.67b USD (from longTermDebt, two quarters ago)
Short Term Debt = 110.33b USD (from shortTermDebt, last quarter)
Debt = 192.18b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 133.34b USD (from netDebt column, last quarter)
Enterprise Value = 130.72b USD (132.85b + Debt 192.18b - CCE 194.30b)
Interest Coverage Ratio = 2.12 (Ebit TTM 34.89b / Interest Expense TTM 16.45b)
EV/FCF = 42.62x (Enterprise Value 130.72b / FCF TTM 3.07b)
FCF Yield = 2.35% (FCF TTM 3.07b / Enterprise Value 130.72b)
FCF Margin = 3.75% (FCF TTM 3.07b / Revenue TTM 81.83b)
Net Margin = 22.59% (Net Income TTM 18.49b / Revenue TTM 81.83b)
Gross Margin = 74.65% ((Revenue TTM 81.83b - Cost of Revenue TTM 20.75b) / Revenue TTM)
Gross Margin QoQ = none% (prev 45.87%)
Tobins Q-Ratio = 0.15 (Enterprise Value 130.72b / Total Assets 859.58b)
Interest Expense / Debt = 4.23% (Interest Expense 8.12b / Debt 192.18b)
Taxrate = 31.43% (5.10b / 16.23b)
NOPAT = 23.93b (EBIT 34.89b * (1 - 31.43%))
Current Ratio = 1.09 (Total Current Assets 748.62b / Total Current Liabilities 687.09b)
Debt / Equity = 3.35 (Debt 192.18b / totalStockholderEquity, last quarter 57.36b)
Debt / EBITDA = 3.55 (Net Debt 133.34b / EBITDA 37.54b)
Debt / FCF = 43.48 (Net Debt 133.34b / FCF TTM 3.07b)
Total Stockholder Equity = 56.73b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.27% (Net Income 18.49b / Total Assets 859.58b)
RoE = 32.59% (Net Income TTM 18.49b / Total Stockholder Equity 56.73b)
RoCE = 25.03% (EBIT 34.89b / Capital Employed (Equity 56.73b + L.T.Debt 82.67b))
RoIC = 17.92% (NOPAT 23.93b / Invested Capital 133.52b)
WACC = 5.47% (E(132.85b)/V(325.02b) * Re(9.20%) + D(192.18b)/V(325.02b) * Rd(4.23%) * (1-Tc(0.31)))
Discount Rate = 9.20% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.18%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈3.07b ; Y1≈2.01b ; Y5≈918.6m
Fair Price DCF = N/A (negative equity: EV 29.27b - Net Debt 133.34b = -104.07b; debt exceeds intrinsic value)
EPS Correlation: 94.13 | EPS CAGR: 19.59% | SUE: -0.54 | # QB: 0
Revenue Correlation: 59.46 | Revenue CAGR: 49.50% | SUE: 4.0 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.60 | Chg30d=N/A | Revisions Net=+0 | Analysts=1
EPS current Year (2026-12-31): EPS=2.03 | Chg30d=+0.037 | Revisions Net=+1 | Growth EPS=-2.1% | Growth Revenue=+7.3%
EPS next Year (2027-12-31): EPS=2.08 | Chg30d=+0.037 | Revisions Net=+1 | Growth EPS=+2.3% | Growth Revenue=+4.4%