Banco Bilbao Vizcaya Argentaria Colombia (BVC:BBVACOL) - Share price, News & Analysis

Q: What is the Fair Price of BBVACOL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

BBVACOL (COP355) is trading above our estimate of [[fair value]] (COP268.43)

BBVACOL fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	4/6
Financial Health	5/6
Dividends	3/6

BBVACOL Stock Overview

Banco Bilbao Vizcaya Argentaria Colombia S.A.

Rewards

Price-To-Earnings ratio (5x) is below the CO market (6.3x)

Earnings have grown 9.4% per year over the past 5 years

Risk Analysis

Unstable dividend track record

Banco Bilbao Vizcaya Argentaria Colombia Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Banco Bilbao Vizcaya Argentaria Colombia
Historical stock prices
Current Share Price	Col$355.00
52 Week High	Col$398.00
52 Week Low	Col$291.00
Beta	-0.15
1 Month Change	-6.58%
3 Month Change	-10.80%
1 Year Change	21.99%
3 Year Change	13.78%
5 Year Change	42.00%
Change since IPO	133.55%

Shareholder Returns

	BBVACOL	CO Banks	CO Market
7D	-6.6%	-5.6%	-8.5%
1Y	22.0%	-2.2%	-5.1%

Return vs Industry: BBVACOL exceeded the CO Banks industry which returned -2.2% over the past year.

Return vs Market: BBVACOL exceeded the CO Market which returned -5.1% over the past year.

Price Volatility

Is BBVACOL's price volatile compared to industry and market?
BBVACOL volatility
BBVACOL Average Weekly Movement	2.4%
Banks Industry Average Movement	5.9%
Market Average Movement	5.9%
10% most volatile stocks in CO Market	7.7%
10% least volatile stocks in CO Market	3.5%

Stable Share Price: BBVACOL is less volatile than 75% of CO stocks over the past 3 months, typically moving +/- 2% a week.

Volatility Over Time: BBVACOL's weekly volatility (2%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1956	5,517	Mario Bayona	https://www.bbva.com.co

Banco Bilbao Vizcaya Argentaria Colombia S.A. provides loans to public and private sector companies. The company offers accounts, individual loans, investment funds, SOAT insurance products, and leasing services, as well as advisory and support services. It also engages in international banking activities, privatizations, financial projects, and other banking activities.

Banco Bilbao Vizcaya Argentaria Colombia Fundamentals Summary

How do Banco Bilbao Vizcaya Argentaria Colombia's earnings and revenue compare to its market cap?
BBVACOL fundamental statistics
Market Cap	Col$5.11t
Earnings (TTM)	Col$1.03t
Revenue (TTM)	Col$3.14t

5.0x

P/E Ratio

0.9x

P/B Ratio

Is BBVACOL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
BBVACOL income statement (TTM)
Revenue	Col$3.14t
Cost of Revenue	Col$0
Gross Profit	Col$3.14t
Other Expenses	Col$2.11t
Earnings	Col$1.03t

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)	71.28
Gross Margin	100.00%
Net Profit Margin	32.71%
Debt/Equity Ratio	237.1%

How did BBVACOL perform over the long term?

See historical performance and comparison

Dividends

4.6%

Current Dividend Yield

23%

Payout Ratio

Does BBVACOL pay a reliable dividends?

See BBVACOL dividend history and benchmarks

When do you need to buy BBVACOL by to receive an upcoming dividend?
Banco Bilbao Vizcaya Argentaria Colombia dividend dates
Ex Dividend Date	Oct 07 2022
Dividend Pay Date	Oct 13 2022
Days until Ex dividend	102 days
Days until Dividend pay date	108 days

Does BBVACOL pay a reliable dividends?

See BBVACOL dividend history and benchmarks

We’ve recently updated our valuation analysis.

Valuation

Is BBVACOL undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for BBVACOL?

Other financial metrics that can be useful for relative valuation.

The above table shows the n/a ratio for BBVACOL. This is calculated by dividing BBVACOL's market cap by their current preferred multiple.
What is BBVACOL's n/a Ratio?
n/a Ratio	0x
n/a	n/a
Market Cap	Col$5.11t

BBVACOL key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	n/a

Price to Earnings Ratio vs Peers

How does BBVACOL's PE Ratio compare to its peers?

BBVACOL PE Ratio vs Peers

The above table shows the PE ratio for BBVACOL vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	PE	Estimated Growth	Market Cap
Peer Average	6x

Forward PE

Price-To-Earnings vs Peers: BBVACOL is good value based on its Price-To-Earnings Ratio (5x) compared to the peer average (6x).

Price to Earnings Ratio vs Industry

How does BBVACOL's PE Ratio compare vs other companies in the Banks Industry?

Price-To-Earnings vs Industry: BBVACOL is good value based on its Price-To-Earnings Ratio (5x) compared to the CO Banks industry average (5.2x)

Price to Earnings Ratio vs Fair Ratio

What is BBVACOL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

BBVACOL PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	5x
Fair PE Ratio	n/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate BBVACOL's Price-To-Earnings Fair Ratio for valuation analysis.

Share Price vs Fair Value

What is the Fair Price of BBVACOL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: BBVACOL (COP355) is trading above our estimate of fair value (COP268.43)

Significantly Below Fair Value: BBVACOL is trading above our estimate of fair value.

Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate BBVACOL's PEG Ratio to determine if it is good value.

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Future Growth

How is Banco Bilbao Vizcaya Argentaria Colombia forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE

8.4%

Forecasted Banks industry annual growth in earnings

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Banco Bilbao Vizcaya Argentaria Colombia has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.

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Check out Banco Bilbao Vizcaya Argentaria Colombia's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.

Past Performance

How has Banco Bilbao Vizcaya Argentaria Colombia performed over the past 5 years?

Past Performance Score

4/6

Past Performance Score 4/6

Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE

9.4%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: BBVACOL has high quality earnings.

Growing Profit Margin: BBVACOL's current net profit margins (32.7%) are higher than last year (18.8%).

Past Earnings Growth Analysis

Earnings Trend: BBVACOL's earnings have grown by 9.4% per year over the past 5 years.

Accelerating Growth: BBVACOL's earnings growth over the past year (119.1%) exceeds its 5-year average (9.4% per year).

Earnings vs Industry: BBVACOL earnings growth over the past year (119.1%) underperformed the Banks industry 119.1%.

Return on Equity

High ROE: BBVACOL's Return on Equity (17.2%) is considered low.

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Financial Health

How is Banco Bilbao Vizcaya Argentaria Colombia's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

5/6

Financial Health Score 5/6

Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: BBVACOL's Assets to Equity ratio (14x) is moderate.

Allowance for Bad Loans: BBVACOL has a sufficient allowance for bad loans (106%).

Low Risk Liabilities: 78% of BBVACOL's liabilities are made up of primarily low risk sources of funding.

Loan Level: BBVACOL has an appropriate level of Loans to Assets ratio (70%).

Low Risk Deposits: BBVACOL's Loans to Deposits ratio (97%) is appropriate.

Level of Bad Loans: BBVACOL has a high level of bad loans (4.9%).

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Dividend

What is Banco Bilbao Vizcaya Argentaria Colombia current dividend yield, its reliability and sustainability?

Dividend Score

3/6

Dividend Score 3/6

Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage

4.60%

Current Dividend Yield

Upcoming Dividend Payment

Dividend Yield vs Market

Notable Dividend: BBVACOL's dividend (4.6%) is higher than the bottom 25% of dividend payers in the CO market (3.49%).

High Dividend: BBVACOL's dividend (4.6%) is low compared to the top 25% of dividend payers in the CO market (11.19%).

Stability and Growth of Payments

Stable Dividend: BBVACOL's dividend payments have been volatile in the past 10 years.

Growing Dividend: BBVACOL's dividend payments have increased over the past 10 years.

Current Payout to Shareholders

Earnings Coverage: With its low payout ratio (22.9%), BBVACOL's dividend payments are well covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.

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Management

How experienced are the management team and are they aligned to shareholders interests?

3.8yrs

Average management tenure

CEO

Mario Bayona (46 yo)

2.33yrs

Tenure

Mr. Mario Pardo Bayona serves as Chief Executive Officer at Banco Bilbao Vizcaya Argentaria Colombia S.A., since February 28, 2020 and served as Global Head of Enterprise Clients in the client solutions ar...

Leadership Team

Experienced Management: BBVACOL's management team is considered experienced (3.8 years average tenure).

Board Members

Experienced Board: BBVACOL's board of directors are not considered experienced ( 2.3 years average tenure), which suggests a new board.

Ownership

Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Data	Last Updated (UTC time)
Company Analysis	2022/06/26 00:00
End of Day Share Price	2022/06/24 00:00
Earnings	2022/03/31
Annual Earnings	2021/12/31