Stock AnalizBanco Bilbao Vizcaya Argentaria, SA BBVA
Commercial Banks · data as of November 13, 2026
Banco Bilbao Vizcaya Argentaria, SA (BBVA) is a financial company listed in the US with a market value of about $146.9B. In the twelve months to September 30, 2026 it had revenue of $48.9B and net income of $12.3B, a net margin of 25.2%.
Its overall Stock Analiz score is 2.6 out of 5 (average). The strongest part is value (4/5); the weakest is future growth (0/5).
Key numbers: a P/E of 11.9, a price to free cash flow of 8.8, a 5-year average ROIC of 15%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 18% below the current price.
Score: 2.6 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- 5-year EPS growth above 10% a year
- 5-year average ROIC above 12%
- Profitable 5 years in a row
- ROE above 15%
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- More cash than debt, or low debt to equity
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $48.9B | — | — | — | — | — | — | — | — | — | — |
| Net income | $12.3B | $12.4B | $10.4B | $8.9B | $6.8B | $5.3B | $1.6B | $3.9B | $6.2B | $4.2B | $3.7B |
| Free cash flow | — | $16.6B | -$20.1B | -$2.0B | $23.4B | -$1.9B | $47.5B | -$12.9B | — | — | — |
| EPS (diluted) | $2.18 | $2.18 | $1.84 | $1.56 | $1.20 | $0.93 | $0.28 | $0.70 | $1.09 | $0.74 | $0.65 |
| Net margin | 25.2% | — | — | — | — | — | — | — | — | — | — |
| ROIC | — | 17.9% | 17.5% | 15.2% | 13.5% | 11.3% | 7.4% | 9.5% | 10.2% | 10.7% | 9.8% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
Frequently asked questions
What is Banco Bilbao Vizcaya Argentaria, SA’s P/E ratio?
About 11.9, based on the last twelve months of diluted earnings per share (forward P/E about 9.7).
Is Banco Bilbao Vizcaya Argentaria, SA stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 18% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Banco Bilbao Vizcaya Argentaria, SA pay a dividend?
Yes. The dividend yield is about 4.34%, and it has paid dividends for 7 years in our data.
Is Banco Bilbao Vizcaya Argentaria, SA a good stock to buy?
We do not give buy or sell advice. Banco Bilbao Vizcaya Argentaria, SA scores 2.6 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.