Banco Bilbao Vizcaya Argentaria, S.A.

OTCPK:BBVX.F Stock Report

Market Cap: US$56.0b

Banco Bilbao Vizcaya Argentaria Valuation

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

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

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

Below Fair Value: BBVX.F ($9.14) is trading below our estimate of fair value ($19.96)

Significantly Below Fair Value: BBVX.F is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for BBVX.F?

Key metric: As BBVX.F is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for BBVX.F. This is calculated by dividing BBVX.F's market cap by their current earnings.
What is BBVX.F's PE Ratio?
PE Ratio5.7x
Earnings€9.34b
Market Cap€53.32b

Price to Earnings Ratio vs Peers

How does BBVX.F's PE Ratio compare to its peers?

The above table shows the PE ratio for BBVX.F vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average22.1x
USB U.S. Bancorp
16.4x11.3%US$81.9b
PNC PNC Financial Services Group
17.8x12.9%US$83.4b
FITB Fifth Third Bancorp
15.7x8.3%US$32.1b
NU Nu Holdings
38.4x29.0%US$66.9b
BBVX.F Banco Bilbao Vizcaya Argentaria
5.7x-3.1%US$52.8b

Price-To-Earnings vs Peers: BBVX.F is good value based on its Price-To-Earnings Ratio (5.7x) compared to the peer average (21.7x).

Price to Earnings Ratio vs Industry

How does BBVX.F's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
BBVX.F 5.7xIndustry Avg. 13.3xNo. of Companies92PE0816243240+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: BBVX.F is good value based on its Price-To-Earnings Ratio (5.7x) compared to the US Banks industry average (13.2x).

Price to Earnings Ratio vs Fair Ratio

What is BBVX.F'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.

BBVX.F PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio5.7x
Fair PE Ration/a

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

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst BBVX.F forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$9.14
US$11.86
+29.8%
9.0%US$13.54US$9.58n/a17
Nov ’25n/a
US$12.40
0%
9.5%US$14.71US$9.95n/a17
Oct ’25US$11.00
US$12.74
+15.8%
9.5%US$15.14US$10.24n/a18
Sep ’25US$10.06
US$12.53
+24.5%
9.6%US$14.98US$10.13n/a18
Aug ’25n/a
US$12.39
0%
10.4%US$14.68US$9.93n/a18
Jul ’25n/a
US$12.24
0%
10.5%US$14.49US$9.85n/a18
Jun ’25n/a
US$12.25
0%
10.7%US$14.70US$9.99n/a19
May ’25US$11.63
US$12.04
+3.6%
11.1%US$14.37US$9.84n/a20
Apr ’25US$11.45
US$11.36
-0.8%
14.0%US$14.54US$9.00n/a22
Mar ’25US$10.24
US$10.77
+5.1%
12.9%US$14.07US$8.66n/a23
Feb ’25US$9.51
US$10.77
+13.2%
13.1%US$14.13US$8.70n/a23
Jan ’25US$8.90
US$10.67
+19.8%
12.8%US$14.22US$8.53n/a23
Dec ’24US$9.31
US$10.39
+11.7%
11.2%US$12.84US$8.49n/a24
Nov ’24n/a
US$9.89
0%
11.6%US$12.47US$7.50n/a24
Oct ’24US$7.59
US$9.43
+24.3%
9.9%US$11.10US$7.50US$11.0024
Sep ’24US$7.75
US$9.56
+23.3%
9.8%US$11.18US$7.70US$10.0625
Aug ’24US$8.06
US$9.51
+18.0%
9.5%US$11.31US$7.80n/a25
Jul ’24US$7.43
US$9.30
+25.2%
9.3%US$10.96US$7.56n/a24
Jun ’24US$6.51
US$8.92
+37.1%
12.5%US$10.73US$6.44n/a23
May ’24US$7.59
US$8.95
+17.9%
11.9%US$10.80US$6.61US$11.6322
Apr ’24US$6.97
US$8.52
+22.2%
11.9%US$10.09US$6.51US$11.4522
Mar ’24US$7.76
US$8.18
+5.5%
11.2%US$9.76US$6.36US$10.2421
Feb ’24US$7.21
US$7.93
+10.0%
12.8%US$9.89US$6.04US$9.5121
Jan ’24US$5.88
US$7.39
+25.8%
10.6%US$9.02US$5.84US$8.9022
Dec ’23US$5.82
US$7.11
+22.1%
11.4%US$8.78US$5.68US$9.3122
Nov ’23US$5.00
US$6.69
+33.8%
10.9%US$7.90US$5.43n/a21

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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