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Banco Bilbao Vizcaya Argentaria, S.A. (BBVA.MC)

EUR22.42 +0.03 (+0.13%)
ES BME Financial Services Banks - Diversified
Address Plaza San NicolAs, 4 48005
Bilbao, ES
CEO Onur Genc
Website bbva.com
IPO 2000-01-03
ISIN ES0113211835

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Also trades on Deutsche Börse · BOY.DE (EUR) Deutsche Börse · BBVA.DE (EUR) Euronext Brussels · BBV.BR (EUR) London Stock Exchange · BVA.L (EUR) Madrid Stock Exchange · BBVA.MC (EUR) New York Stock Exchange · BBVA (USD) Other OTC · BBVXF (USD)
Description

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA), founded in Bilbao, Spain, in 1857, operates as a global financial services group offering a comprehensive range of retail, wholesale, and asset management solutions. The bank's diverse offerings include a wide array of deposit accounts, such as checking, savings, demand, time, and subordinated options, along with various credit facilities and credit card products. Additionally, BBVA provides insurance and real estate services, manages investment and pension funds, and actively trades in securities. Its wholesale division encompasses robust corporate and investment banking services. Customers can conveniently access these services via advanced online and mobile channels. As of December 31, 2021, the company's extensive physical network included 6,083 branches and 29,148 ATMs. BBVA maintains a significant international presence, conducting operations across Spain, Mexico, the United States, Turkey, numerous South American countries, Asia, and other European regions.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR22.42 +0.03 (+0.13%)
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Volume Profile
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Liquidity & share structure
Average Volume
11M
Beta
0.88
Float Shares
5.53B
Free Float %
99.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.59% -0.11% -5.38% -2.46% -1.27% -7.03% +40.89% +194.94% +281.19% +238.29% +41.53%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Analyst Consensus (11 ratings, all time) Buy
Price Targets & DCF
Current price
22.42
DCF (Unlevered) 41.02 +83.0%
DCF (Levered) 113.88 +407.9%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 43% Bullish
Rating 2026-05 Change
Strong Buy 4 -1
Buy 6 -2
Hold 11 0
Sell 1 0
Strong Sell 1 0
Quality scores
Altman Z-Score
-0.32
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
5 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • ✗
    Revenue growth
    +4.1% Q1'26: +14.2% (vs Q1'25)
  • ✓
    EPS growth
    +4.8% Q1'26: +13.3% (vs Q1'25)
  • —
    FCF margin
    — Q1'26: +975.1% (vs Q1'25)
  • —
    EBIT margin
    — Q1'26: +44.3% (vs Q1'25)
  • —
    ROIC
    — Q1'26: -9.2% (vs Q1'25)
  • ✓
    Share dilution
    -0.4% Q1'26: -6.1% (vs Q1'25)
  • —
    Debt / EBITDA
    — Q1'26: 4.26× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.89) × ERP
WACC = 57% × Ke + 43% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 40.56 Current price: 22.42
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual 		Dec 2016
actual 		Dec 2017
actual 		Dec 2018
actual 		Dec 2019
actual 		Dec 2020
actual 		Dec 2021
actual 		Dec 2022
actual 		Dec 2023
actual 		Dec 2024
actual 		Dec 2025
actual 		Dec 2026
11 Rev. Ana.
13 EPS Ana. 		Dec 2027
18 Rev. Ana.
15 EPS Ana. 		Dec 2028
16 Rev. Ana.
11 EPS Ana. 		Dec 2029
15 Rev. Ana.
4 EPS Ana.
Revenue
25.88B
est: 23.99B (+7.9%)
26.15B
est: 24.49B (+6.7%)
25.73B
est: 24.98B (+3.0%)
23.57B
est: 23.51B (+0.3%)
23.27B
est: 24.34B (-4.4%)
22.27B
est: 23.10B (-3.6%)
31.32B
est: 20.64B (+51.7%)
40.37B
est: 24.46B (+65.1%)
58.19B
est: 30.00B (+94.0%)
35.48B
est: 34.88B (+1.7%)
36.93B
est: 36.72B (+0.6%)
40.78B
40.06B – 41.86B
+11.1% YoY
42.65B
37.89B – 44.74B
+4.6% YoY
44.95B
44.75B – 45.14B
+5.4% YoY
45.99B
42.99B – 47.73B
+2.3% YoY
EBITDA
5.88B
est: 6.30B (-6.7%)
7.82B
est: 6.43B (+21.5%)
8.32B
est: 6.56B (+26.8%)
8.60B
est: 6.17B (+39.3%)
8.43B
est: 6.39B (+31.9%)
6.54B
est: 6.07B (+7.7%)
8.48B
est: 5.42B (+56.5%)
11.60B
est: 6.42B (+80.5%)
13.82B
est: 10.52B (+31.4%)
16.94B
est: 12.23B (+38.5%)
17.75B
est: 12.88B (+37.8%)
14.30B
14.05B – 14.68B
+11.1% YoY
14.96B
13.29B – 15.69B
+4.6% YoY
15.76B
15.69B – 15.83B
+5.4% YoY
16.13B
15.08B – 16.74B
+2.3% YoY
EBIT
4.60B
est: 5.46B (-15.7%)
6.39B
est: 5.58B (+14.6%)
6.93B
est: 5.69B (+21.8%)
7.57B
est: 5.35B (+41.3%)
7.05B
est: 5.54B (+27.2%)
5.25B
est: 5.26B (-0.2%)
7.25B
est: 4.70B (+54.2%)
10.27B
est: 5.57B (+84.4%)
12.42B
est: 9.44B (+31.6%)
15.41B
est: 10.97B (+40.4%)
16.23B
est: 11.55B (+40.5%)
12.83B
12.60B – 13.17B
+11.1% YoY
13.41B
11.92B – 14.07B
+4.6% YoY
14.14B
14.08B – 14.20B
+5.4% YoY
14.47B
13.52B – 15.01B
+2.3% YoY
Net Income
2.64B
est: 2.94B (-10.2%)
3.48B
est: 3.20B (+8.6%)
3.51B
est: 3.59B (-2.2%)
5.40B
est: 4.07B (+32.5%)
3.51B
est: 3.53B (-0.5%)
1.31B
est: 2.19B (-40.3%)
4.65B
est: 3.86B (+20.7%)
6.36B
est: 5.67B (+12.1%)
8.02B
est: 8.79B (-8.8%)
10.05B
est: 9.40B (+6.9%)
10.51B
est: 10.41B (+1.0%)
11.51B
11.16B – 12.31B
+10.6% YoY
11.93B
10.36B – 14.17B
+3.7% YoY
12.65B
11.90B – 15.88B
+6.0% YoY
14.73B
13.48B – 15.45B
+16.4% YoY
SGA
9.93B
est: 5.84B (+70.1%)
10.18B
est: 5.96B (+70.8%)
9.96B
est: 6.08B (+63.8%)
8.56B
est: 5.72B (+49.5%)
8.87B
est: 5.92B (+49.8%)
8.06B
est: 5.62B (+43.3%)
8.46B
est: 5.03B (+68.3%)
9.47B
est: 5.95B (+59.1%)
10.98B
est: 8.38B (+31.0%)
12.66B
est: 9.75B (+29.9%)
12.81B
est: 10.26B (+24.8%)
11.40B
11.19B – 11.70B
+11.1% YoY
11.92B
10.59B – 12.50B
+4.6% YoY
12.56B
12.50B – 12.61B
+5.4% YoY
12.85B
12.01B – 13.34B
+2.3% YoY
EPS
0.39
est: 0.51 (-23.5%)
0.50
est: 0.55 (-9.9%)
0.48
est: 0.62 (-23.0%)
0.75
est: 0.71 (+6.2%)
0.47
est: 0.61 (-23.2%)
0.14
est: 0.38 (-63.0%)
0.67
est: 0.67 (+0.2%)
0.98
est: 0.98 (-0.3%)
1.29
est: 1.51 (-14.4%)
1.68
est: 1.67 (+0.9%)
1.76
est: 1.80 (-2.0%)
2.01
1.94 – 2.14
+11.7% YoY
2.25
1.80 – 2.47
+11.9% YoY
2.47
2.07 – 2.76
+10.2% YoY
2.56
2.34 – 2.69
+3.6% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-08 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-07 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-06 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-05 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-05-04 A- 4/5 5/5 5/5 4/5 1/5 3/5 2/5
2026-04-30 B+ 3/5 5/5 5/5 4/5 1/5 3/5 1/5
2026-04-29 B+ 3/5 5/5 5/5 4/5 1/5 3/5 1/5
2026-04-28 B+ 3/5 5/5 5/5 4/5 1/5 3/5 1/5
2026-04-27 B+ 3/5 5/5 5/5 4/5 1/5 3/5 1/5
2026-04-24 B+ 3/5 5/5 5/5 4/5 1/5 3/5 1/5
2026-04-23 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-22 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-21 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-20 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-17 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-16 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-15 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5
2026-04-14 A- 4/5 5/5 5/5 5/5 1/5 3/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
112.00B
OE per share TTM
18.71
Owner's Yield
105.50%
Maintenance CapEx ratio
11.30%
Maint CapEx / Avg PPE
24.8%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
130.1K
Shares Outstanding
5.58B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Carlos Torres Vila President & Group Executive Chairman 7M male
Onur Genc Chief Executive Officer & Executive Director 7M male
Francisco Javier Rodríguez Soler Global Head of Sustainability and Corporate & Investment Banking — male
Jaime Saenz de Tejada Pulido Global Head of Commercial Client Solutions — male
Maria Jesus Arribas de Paz Global Head of Legal — female
Maria Luisa Gomez Bravo Global Head of Finance & Chief Financial Officer — female
Patricia Bueno Olalla Global Head of Shareholder & Investor Relations — female
Paul Garcia Tobin Global Head of Talent & Culture — male
Ricardo Marine Executive Director of Institutional Investor Relations — male
David Puente Vicente Global Head of Retail Client Solutions — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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