BBVA Stock Overview
Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides retail banking, wholesale banking, and asset management services.
Banco Bilbao Vizcaya Argentaria Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||€4.85|
|52 Week High||€6.29|
|52 Week Low||€4.38|
|1 Month Change||-3.66%|
|3 Month Change||-15.37%|
|1 Year Change||-3.54%|
|3 Year Change||-5.86%|
|5 Year Change||-34.58%|
|Change since IPO||-27.12%|
Recent News & Updates
|BBVA||ES Banks||ES Market|
Return vs Industry: BBVA exceeded the Spanish Banks industry which returned -8.8% over the past year.
Return vs Market: BBVA exceeded the Spanish Market which returned -10% over the past year.
|BBVA Average Weekly Movement||6.7%|
|Banks Industry Average Movement||6.6%|
|Market Average Movement||4.6%|
|10% most volatile stocks in ES Market||8.2%|
|10% least volatile stocks in ES Market||0.9%|
Stable Share Price: BBVA is more volatile than 75% of Spanish stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: BBVA's weekly volatility (7%) has been stable over the past year, but is still higher than 75% of Spanish stocks.
About the Company
Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides retail banking, wholesale banking, and asset management services. It offers current accounts; and demand, savings, overnight, time, term, and subordinated deposits. The company also provides loan products; deals in securities; and manages pension and investment funds.
Banco Bilbao Vizcaya Argentaria Fundamentals Summary
|BBVA fundamental statistics|
Is BBVA overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BBVA income statement (TTM)|
|Cost of Revenue||€0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||0.73|
|Net Profit Margin||23.96%|
How did BBVA perform over the long term?See historical performance and comparison
6.4%Current Dividend Yield
Is Banco Bilbao Vizcaya Argentaria undervalued compared to its fair value and its price relative to the market?
Valuation Score 4/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: BBVA (€4.85) is trading below our estimate of fair value (€11.47)
Significantly Below Fair Value: BBVA is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: BBVA is good value based on its PE Ratio (6.7x) compared to the Spanish Banks industry average (6.9x).
PE vs Market: BBVA is good value based on its PE Ratio (6.7x) compared to the Spanish market (17.8x).
Price to Earnings Growth Ratio
PEG Ratio: BBVA is poor value based on its PEG Ratio (1.4x)
Price to Book Ratio
PB vs Industry: BBVA is overvalued based on its PB Ratio (0.7x) compared to the ES Banks industry average (0.6x).
How is Banco Bilbao Vizcaya Argentaria forecast to perform in the next 1 to 3 years based on estimates from 21 analysts?
Future Growth Score1/6
Future Growth Score 1/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BBVA's forecast earnings growth (4.9% per year) is above the savings rate (0.9%).
Earnings vs Market: BBVA's earnings (4.9% per year) are forecast to grow slower than the Spanish market (13.3% per year).
High Growth Earnings: BBVA's earnings are forecast to grow, but not significantly.
Revenue vs Market: BBVA's revenue (3.3% per year) is forecast to grow slower than the Spanish market (4.2% per year).
High Growth Revenue: BBVA's revenue (3.3% 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 (11%).
How has Banco Bilbao Vizcaya Argentaria performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BBVA has high quality earnings.
Growing Profit Margin: BBVA's current net profit margins (24%) are higher than last year (20.1%).
Past Earnings Growth Analysis
Earnings Trend: BBVA's earnings have declined by 1.7% per year over the past 5 years.
Accelerating Growth: BBVA's earnings growth over the past year (43.2%) exceeds its 5-year average (-1.7% per year).
Earnings vs Industry: BBVA earnings growth over the past year (43.2%) exceeded the Banks industry 36%.
Return on Equity
High ROE: BBVA's Return on Equity (12.5%) is considered low.
How is Banco Bilbao Vizcaya Argentaria's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score4/6
Financial Health Score 4/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BBVA's Assets to Equity ratio (14x) is moderate.
Allowance for Bad Loans: BBVA has a low allowance for bad loans (78%).
Low Risk Liabilities: 69% 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 (52%).
Low Risk Deposits: BBVA's Loans to Deposits ratio (81%) is appropriate.
Level of Bad Loans: BBVA has a high level of bad loans (4.1%).
What is Banco Bilbao Vizcaya Argentaria current dividend yield, its reliability and sustainability?
Dividend Score 5/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BBVA's dividend (6.39%) is higher than the bottom 25% of dividend payers in the Spanish market (1.83%).
High Dividend: BBVA's dividend (6.39%) is in the top 25% of dividend payers in the Spanish market (5.45%)
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 increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (42.7%), BBVA's dividend payments are 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 (49.6% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Onur Genc (47 yo)
Mr. Onur Genc is Chief Executive Officer of BBVA Group. Mr. Genc 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 ($USD4.20M) is above average for companies of similar size in the Spanish market ($USD2.57M).
Compensation vs Earnings: Onur's compensation has been consistent with company performance over the past year.
Experienced Management: BBVA's management team is considered experienced (3.4 years average tenure).
Experienced Board: BBVA's board of directors are considered experienced (7.1 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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Banco Bilbao Vizcaya Argentaria, S.A.'s 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
- Implied Market Cap: €31.069b
- Shares outstanding: 6.41b
- Website: https://www.bbva.com
Number of Employees
- Banco Bilbao Vizcaya Argentaria, S.A.
- Plaza San NicolAs, 4
- Basque Country
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/15 00:00|
|End of Day Share Price||2022/05/13 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.