Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides retail and wholesale banking, asset management, and private banking services.
Adequate balance sheet with moderate growth potential.
Share Price & News
How has Banco Bilbao Vizcaya Argentaria's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: BBVA's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: BBVA exceeded the Spanish Banks industry which returned -40.7% over the past year.
Return vs Market: BBVA underperformed the Spanish Market which returned -14.9% over the past year.
Price Volatility Vs. Market
How volatile is Banco Bilbao Vizcaya Argentaria's share price compared to the market and industry in the last 5 years?
Simply Wall St News
5 days ago | Simply Wall StIs Now An Opportune Moment To Examine Banco Bilbao Vizcaya Argentaria, S.A. (BME:BBVA)?
1 month ago | Simply Wall StIntroducing Banco Bilbao Vizcaya Argentaria (BME:BBVA), The Stock That Tanked 71%
2 months ago | Simply Wall StWhat Is Banco Bilbao Vizcaya Argentaria's (BME:BBVA) P/E Ratio After Its Share Price Tanked?
Is Banco Bilbao Vizcaya Argentaria undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: BBVA (€3.53) is trading above our estimate of fair value (€2.68)
Significantly Below Fair Value: BBVA is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: BBVA is poor value based on its PE Ratio (188.1x) compared to the Banks industry average (7.3x).
PE vs Market: BBVA is poor value based on its PE Ratio (188.1x) compared to the Spanish market (16x).
Price to Earnings Growth Ratio
PEG Ratio: BBVA is poor value based on its PEG Ratio (4.3x)
Price to Book Ratio
PB vs Industry: BBVA is overvalued based on its PB Ratio (0.5x) compared to the ES Banks industry average (0.3x).
How is Banco Bilbao Vizcaya Argentaria forecast to perform in the next 1 to 3 years based on estimates from 20 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BBVA's forecast earnings growth (43.7% per year) is above the savings rate (1.3%).
Earnings vs Market: BBVA's earnings (43.7% per year) are forecast to grow faster than the Spanish market (18.2% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: BBVA's revenue (0.7% per year) is forecast to grow slower than the Spanish market (4.9% per year).
High Growth Revenue: BBVA's revenue (0.7% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BBVA's Return on Equity is forecast to be low in 3 years time (6.2%).
How has Banco Bilbao Vizcaya Argentaria performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BBVA has a large one-off loss of €4.3B impacting its March 31 2020 financial results.
Growing Profit Margin: BBVA's current net profit margins (0.6%) are lower than last year (23.9%).
Past Earnings Growth Analysis
Earnings Trend: BBVA's earnings have grown by 5.1% per year over the past 5 years.
Accelerating Growth: BBVA's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BBVA had negative earnings growth (-97.6%) over the past year, making it difficult to compare to the Banks industry average (-21.2%).
Return on Equity
High ROE: BBVA's Return on Equity (2.7%) is considered low.
How is Banco Bilbao Vizcaya Argentaria's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BBVA's Assets to Equity ratio (14.9x) is moderate.
Allowance for Bad Loans: BBVA has a low allowance for bad loans (87%).
Low Risk Liabilities: 67% of BBVA's liabilities are made up of primarily low risk sources of funding.
Loan Level: BBVA has an appropriate level of Loans to Assets ratio (55%).
Low Risk Deposits: BBVA's Loans to Deposits ratio (88%) is appropriate.
Level of Bad Loans: BBVA has a high level of bad loans (3.7%).
What is Banco Bilbao Vizcaya Argentaria's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BBVA's dividend (7.37%) is higher than the bottom 25% of dividend payers in the Spanish market (2.55%).
High Dividend: BBVA's dividend (7.37%) is in the top 25% of dividend payers in the Spanish market (6.97%)
Stability and Growth of Payments
Stable Dividend: BBVA's dividend payments have been volatile in the past 10 years.
Growing Dividend: BBVA's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its high payout ratio (1386.5%), BBVA's dividend payments are not well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BBVA's dividends in 3 years are forecast to be well covered by earnings (40.3% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Onur Genç (45yo)
Mr. Onur Genç is Chief Executive Officer of BBVA Group. Mr. Genç has been Director at Banco Bilbao Vizcaya Argentaria, SA - Sucursal em Portugal since December 20, 2018 and is its Chief Executive Officer. ...
CEO Compensation Analysis
Compensation vs Market: Onur's total compensation ($USD3.18M) is about average for companies of similar size in the Spanish market ($USD3.69M).
Compensation vs Earnings: Insufficient data to compare Onur's compensation with company performance.
|Group Executive Chairman||1.5yrs||€2.79m||0.012% €2.7m|
|CEO & Director||1.5yrs||€2.81m||0.0049% €1.2m|
|Chief Financial Officer||5.42yrs||no data||0.0070% €1.6m|
|Head of Global Finance||no data||no data||no data|
|Global Head of Shareholder & IR||no data||no data||no data|
|Global Head of Legal||1.5yrs||no data||0.0015% €359.2k|
|Global Head of Communications & Responsible Business||5.08yrs||no data||no data|
|Head of Human Resources & Services||10.75yrs||no data||no data|
|Head of International Subsidiaries Structure - GA&IM||no data||no data||no data|
|Head of BBVA Foundation||no data||no data||no data|
Experienced Management: BBVA's management team is considered experienced (3.3 years average tenure).
|Group Executive Chairman||1.5yrs||€2.79m||0.012% €2.7m|
|CEO & Director||1.5yrs||€2.81m||0.0049% €1.2m|
|Independent Director||4.25yrs||€172.00k||0.00015% €35.2k|
|External Independent Director||20.42yrs||€341.00k||0.00058% €136.2k|
|External Independent Director||18.08yrs||€448.00k||0.00041% €96.3k|
|Independent Director||6.25yrs||€254.00k||no data|
|Independent Director||8.25yrs||€349.00k||no data|
|Lead Independent Director||1.17yrs||€494.00k||no data|
|Independent Deputy Chair of the Board||1.17yrs||€484.00k||0.00016% €37.6k|
|Independent Director||2.25yrs||€527.00k||no data|
Experienced Board: BBVA's board of directors are considered experienced (3.3 years average tenure).
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.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Banco Bilbao Vizcaya Argentaria, S.A.'s company bio, employee growth, exchange listings and data sources
- Name: Banco Bilbao Vizcaya Argentaria, S.A.
- Ticker: BBVA
- Exchange: BME
- Founded: 1857
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: €23.479b
- Shares outstanding: 6.66b
- Website: https://www.bbva.com
Number of Employees
- Banco Bilbao Vizcaya Argentaria, S.A.
- Plaza San Nicolás, 4
- Basque Country
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|BBVX.F||OTCPK (Pink Sheets LLC)||Yes||Registered Shares||US||USD||Oct 1988|
|BVA||LSE (London Stock Exchange)||Yes||Registered Shares||GB||EUR||Oct 1988|
|BBVA||BME (Bolsas y Mercados Espanoles)||Yes||Registered Shares||ES||EUR||Oct 1988|
|BOY||DB (Deutsche Boerse AG)||Yes||Registered Shares||DE||EUR||Oct 1988|
|BBVA||BIT (Borsa Italiana)||Yes||Registered Shares||IT||EUR||Oct 1988|
|BBVA *||BMV (Bolsa Mexicana de Valores)||Yes||Registered Shares||MX||MXN||Oct 1988|
|BOY||XTRA (XETRA Trading Platform)||Yes||Registered Shares||DE||EUR||Oct 1988|
|BBVAE||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Registered Shares||GB||EUR||Oct 1988|
|BBVA||WBAG (Wiener Boerse AG)||Yes||Registered Shares||AT||EUR||Oct 1988|
|BBV||ENXTBR (Euronext Brussels)||Yes||Registered Shares||BE||EUR||Oct 1988|
|BBVA||NYSE (New York Stock Exchange)||ADS EACH REPR 1 ORD EUR0.49||US||USD||Dec 1988|
|BBVA||BVL (Bolsa de Valores de Lima)||ADS EACH REPR 1 ORD EUR0.49||PE||USD||Dec 1988|
|BBVA||DB (Deutsche Boerse AG)||ADS EACH REPR 1 ORD EUR0.49||DE||EUR||Dec 1988|
|BBVA||XTRA (XETRA Trading Platform)||ADS EACH REPR 1 ORD EUR0.49||DE||EUR||Dec 1988|
|0A2B||LSE (London Stock Exchange)||ADS EACH REPR 1 ORD EUR0.49||GB||USD||Dec 1988|
|BBV||BASE (Buenos Aires Stock Exchange)||CEDEAR EACH REPR 1 ADS||AR||ARS||Dec 2000|
Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides retail and wholesale banking, asset management, and private banking services. The company provides current and savings accounts, term deposits, subordinated deposits, and other accounts. It also offers loan products; deals in securities; manages pension funds; and foreclosed real estate assets. In addition, the company provides credit cards; corporate and investment banking services; and insurance products. It operates in Spain, Mexico, South America, the United States, Turkey, Asia-Pacific, and rest of Europe. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/06/05 21:31|
|End of Day Share Price||2020/06/05 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.