(BBVA) Banco Bilbao Viscaya - Overview
Exchange: NYSE •
Country: Spain •
Currency: USD •
Type: Common Stock •
ISIN: US05946K1016
Stock: Savings, Loans, Cards, Insurance, Investments
Total Rating 46
Risk 27
Buy Signal -0.04
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 | 42.7% |
| 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) 3.0
| Net Income: 10.41b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 0.57 > 1.0 |
| NWC/Revenue: -847.9% < 20% (prev -973.8%; Δ 125.9% < -1%) |
| CFO/TA 0.01 > 3% & CFO 4.26b > Net Income 10.41b |
| Net Debt (44.14b) to EBITDA (17.59b): 2.51 < 3 |
| Current Ratio: 0.23 > 1.5 & < 3 |
| Outstanding Shares: last quarter (6.03b) vs 12m ago 0.93% < -2% |
| Gross Margin: 58.17% > 18% (prev 0.51%; Δ 5766 % > 0.5%) |
| Asset Turnover: 6.71% > 50% (prev 3.88%; Δ 2.83% > 0%) |
| Interest Coverage Ratio: 0.98 > 6 (EBITDA TTM 17.59b / Interest Expense TTM 16.45b) |
Altman Z'' -3.23
| A: -0.55 (Total Current Assets 130.78b - Total Current Liabilities 581.05b) / Total Assets 813.06b |
| B: 0.06 (Retained Earnings 52.56b / Total Assets 813.06b) |
| C: 0.02 (EBIT TTM 16.05b / Avg Total Assets 791.20b) |
| D: 0.05 (Book Value of Equity 38.55b / Total Liabilities 751.25b) |
| Altman-Z'' Score: -3.23 = D |
Beneish M -3.14
| DSRI: 0.08 (Receivables 5.67b/38.79b, Revenue 53.10b/29.84b) |
| GMI: 0.87 (GM 58.17% / 50.80%) |
| AQI: 1.32 (AQ_t 0.83 / AQ_t-1 0.63) |
| SGI: 1.78 (Revenue 53.10b / 29.84b) |
| TATA: 0.01 (NI 10.41b - CFO 4.26b) / TA 813.06b) |
| Beneish M-Score: -3.14 (Cap -4..+1) = AA |
What is the price of BBVA shares?
As of February 07, 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 January 31, 2026
Market Cap EUR = 123.30b (145.57b USD * 0.847 USD.EUR)
P/E Trailing = 12.2536
P/E Forward = 11.1732
P/S = 4.6002
P/B = 2.0815
P/EG = 2.6203
Revenue TTM = 53.10b EUR
EBIT TTM = 16.05b EUR
EBITDA TTM = 17.59b EUR
Long Term Debt = 82.67b EUR (from longTermDebt, last quarter)
Short Term Debt = 26.04b EUR (from shortTermDebt, last quarter)
Debt = 110.14b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 44.14b EUR (from netDebt column, last quarter)
Enterprise Value = 108.32b EUR (123.30b + Debt 110.14b - CCE 125.11b)
Interest Coverage Ratio = 0.98 (Ebit TTM 16.05b / Interest Expense TTM 16.45b)
EV/FCF = 35.32x (Enterprise Value 108.32b / FCF TTM 3.07b)
FCF Yield = 2.83% (FCF TTM 3.07b / Enterprise Value 108.32b)
FCF Margin = 5.78% (FCF TTM 3.07b / Revenue TTM 53.10b)
Net Margin = 19.61% (Net Income TTM 10.41b / Revenue TTM 53.10b)
Gross Margin = 58.17% ((Revenue TTM 53.10b - Cost of Revenue TTM 22.21b) / Revenue TTM)
Gross Margin QoQ = 45.87% (prev 84.19%)
Tobins Q-Ratio = 0.13 (Enterprise Value 108.32b / Total Assets 813.06b)
Interest Expense / Debt = 7.38% (Interest Expense 8.12b / Debt 110.14b)
Taxrate = 31.18% (1.21b / 3.87b)
NOPAT = 11.05b (EBIT 16.05b * (1 - 31.18%))
Current Ratio = 0.23 (Total Current Assets 130.78b / Total Current Liabilities 581.05b)
Debt / Equity = 1.91 (Debt 110.14b / totalStockholderEquity, last quarter 57.64b)
Debt / EBITDA = 2.51 (Net Debt 44.14b / EBITDA 17.59b)
Debt / FCF = 14.39 (Net Debt 44.14b / FCF TTM 3.07b)
Total Stockholder Equity = 56.30b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.32% (Net Income 10.41b / Total Assets 813.06b)
RoE = 18.49% (Net Income TTM 10.41b / Total Stockholder Equity 56.30b)
RoCE = 11.55% (EBIT 16.05b / Capital Employed (Equity 56.30b + L.T.Debt 82.67b))
RoIC = 8.40% (NOPAT 11.05b / Invested Capital 131.52b)
WACC = 7.25% (E(123.30b)/V(233.44b) * Re(9.20%) + D(110.14b)/V(233.44b) * Rd(7.38%) * (1-Tc(0.31)))
Discount Rate = 9.20% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.64%
[DCF Debug] Terminal Value 73.76% ; FCFF base≈3.07b ; Y1≈2.01b ; Y5≈918.6m
Fair Price DCF = N/A (negative equity: EV 20.74b - Net Debt 44.14b = -23.40b; debt exceeds intrinsic value)
[DCF Warning] FCF declining rapidly (-40.0%), DCF may be unreliable
EPS Correlation: 95.67 | EPS CAGR: 22.35% | SUE: -0.80 | # QB: 0
Revenue Correlation: 54.19 | Revenue CAGR: 37.14% | SUE: 1.62 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.60 | Chg30d=N/A | Revisions Net=+0 | Analysts=1
EPS next Year (2026-12-31): EPS=2.03 | Chg30d=+0.037 | Revisions Net=+1 | Growth EPS=+1.2% | Growth Revenue=+6.0%
P/E Trailing = 12.2536
P/E Forward = 11.1732
P/S = 4.6002
P/B = 2.0815
P/EG = 2.6203
Revenue TTM = 53.10b EUR
EBIT TTM = 16.05b EUR
EBITDA TTM = 17.59b EUR
Long Term Debt = 82.67b EUR (from longTermDebt, last quarter)
Short Term Debt = 26.04b EUR (from shortTermDebt, last quarter)
Debt = 110.14b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 44.14b EUR (from netDebt column, last quarter)
Enterprise Value = 108.32b EUR (123.30b + Debt 110.14b - CCE 125.11b)
Interest Coverage Ratio = 0.98 (Ebit TTM 16.05b / Interest Expense TTM 16.45b)
EV/FCF = 35.32x (Enterprise Value 108.32b / FCF TTM 3.07b)
FCF Yield = 2.83% (FCF TTM 3.07b / Enterprise Value 108.32b)
FCF Margin = 5.78% (FCF TTM 3.07b / Revenue TTM 53.10b)
Net Margin = 19.61% (Net Income TTM 10.41b / Revenue TTM 53.10b)
Gross Margin = 58.17% ((Revenue TTM 53.10b - Cost of Revenue TTM 22.21b) / Revenue TTM)
Gross Margin QoQ = 45.87% (prev 84.19%)
Tobins Q-Ratio = 0.13 (Enterprise Value 108.32b / Total Assets 813.06b)
Interest Expense / Debt = 7.38% (Interest Expense 8.12b / Debt 110.14b)
Taxrate = 31.18% (1.21b / 3.87b)
NOPAT = 11.05b (EBIT 16.05b * (1 - 31.18%))
Current Ratio = 0.23 (Total Current Assets 130.78b / Total Current Liabilities 581.05b)
Debt / Equity = 1.91 (Debt 110.14b / totalStockholderEquity, last quarter 57.64b)
Debt / EBITDA = 2.51 (Net Debt 44.14b / EBITDA 17.59b)
Debt / FCF = 14.39 (Net Debt 44.14b / FCF TTM 3.07b)
Total Stockholder Equity = 56.30b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.32% (Net Income 10.41b / Total Assets 813.06b)
RoE = 18.49% (Net Income TTM 10.41b / Total Stockholder Equity 56.30b)
RoCE = 11.55% (EBIT 16.05b / Capital Employed (Equity 56.30b + L.T.Debt 82.67b))
RoIC = 8.40% (NOPAT 11.05b / Invested Capital 131.52b)
WACC = 7.25% (E(123.30b)/V(233.44b) * Re(9.20%) + D(110.14b)/V(233.44b) * Rd(7.38%) * (1-Tc(0.31)))
Discount Rate = 9.20% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.64%
[DCF Debug] Terminal Value 73.76% ; FCFF base≈3.07b ; Y1≈2.01b ; Y5≈918.6m
Fair Price DCF = N/A (negative equity: EV 20.74b - Net Debt 44.14b = -23.40b; debt exceeds intrinsic value)
[DCF Warning] FCF declining rapidly (-40.0%), DCF may be unreliable
EPS Correlation: 95.67 | EPS CAGR: 22.35% | SUE: -0.80 | # QB: 0
Revenue Correlation: 54.19 | Revenue CAGR: 37.14% | SUE: 1.62 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.60 | Chg30d=N/A | Revisions Net=+0 | Analysts=1
EPS next Year (2026-12-31): EPS=2.03 | Chg30d=+0.037 | Revisions Net=+1 | Growth EPS=+1.2% | Growth Revenue=+6.0%