BBVA
NEUTRAL
$24.97
Live
Banco Bilbao Vizcaya Argentaria, S.A. · NYSE
Target $24.28
(-2.8%)
$10.77
52W Range
$25.06
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$141.94B
P/E
12.3
ROE
18.6%
Profit margin
32.9%
Debt/Equity
N/A
Dividend yield
3.31%
AI Analysis
AI-powered fundamental assessment
Confidence
72%
BBVA's Advanced Deterministic Scorecard reveals a weak financial health profile with a Piotroski F-Score of just 3/9, signaling significant operational and balance sheet concerns. Despite this, the bank trades at a reasonable valuation with a P/E of 12.30 below the sector average of 21.13, and offers a solid 3.31% dividend yield supported by a sustainable 39.86% payout ratio. Profitability metrics like a 32.91% profit margin and 18.63% ROE are strong, but negative earnings growth and poor technical trend (10/100) offset these gains. The absence of Altman Z-Score data prevents a full distress risk assessment, but the low Piotroski score demands caution.
Key Strengths
High profitability with 32.91% net margin and 18.63% ROE, well above sector averages
Attractive valuation relative to peers, with P/E of 12.30 vs sector average of 21.13
Solid dividend yield of 3.31% backed by a conservative 39.86% payout ratio
Significant long-term price appreciation: +587% over 5 years
Revenue growth stability with 3.40% YoY increase despite macro headwinds
Key Risks
Very low Piotroski F-Score of 3/9 indicates deteriorating financial health and weak operating performance
Negative YoY earnings growth of -4.60% and recent Q/Q EPS decline of -7.5%
Missing key financial data (Debt/Equity, Altman Z-Score, cash/debt figures) creates uncertainty in leverage and solvency assessment
Technical trend is deeply bearish at 10/100, suggesting weakening investor sentiment
Only 2 analysts cover the stock, indicating limited institutional scrutiny and potential information inefficiency
AI Fair Value Estimate
Based on comprehensive analysis
$23.19
-7.1% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
58
Moderate
76
42
68
35
70
AI Verdict
Neutral with caution due to weak financial health despite solid profitability and valuation
Key drivers: Strong ROE and margins, Low Piotroski F-Score, Attractive dividend, Bearish technical trend, Missing Altman Z-Score
Confidence
75%
Value
76/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 12.30 is significantly below sector average of 21.13
- Price near Graham Number of $23.19, suggesting limited overvaluation
- Price/Book of 2.12 is reasonable for a diversified bank
Watchpoints
- Growth metrics weak; PEG unavailable due to negative earnings growth
- EV-based multiples missing, limiting full valuation view
Future
42/100
Ref Growth rates
Positives
- Revenue growth remains positive at 3.40% YoY
- Analyst target price implies slight upside (~2.8% from current price)
Watchpoints
- Earnings growth YoY at -4.60%
- Q/Q EPS down -7.5%
- Forward P/E flat at 12.29, showing no earnings improvement expectations
Past
68/100
Ref Historical trends
Positives
- Long-term price performance exceptional: +587% over 5 years
- History of beating earnings estimates in recent quarters (2 of last 4)
- Average earnings surprise of +6.12% in last 4 quarters
Watchpoints
- Erratic earnings beat pattern with notable misses in earlier periods
- Historical data includes outdated entries (e.g., 2007–2009), reducing relevance
Health
35/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- ROA of 1.40% is acceptable for a large bank
- Operating margin strong at 53.11%
Watchpoints
- Piotroski F-Score of 3/9 indicates serious financial weakness
- Altman Z-Score not available, creating a critical gap in distress risk analysis
- No data on Debt/Equity, Current Ratio, or cash/debt levels
Dividend
70/100
Ref Yield, Payout
Positives
- Dividend yield of 3.31% is attractive in current rate environment
- Payout ratio of 39.86% is sustainable and leaves room for growth
- Dividend Strength score of 50/100 indicates moderate reliability
Watchpoints
- No 5-year average yield data to assess consistency
- Ex-dividend date and payment history missing
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$24.97
Analyst Target
$24.28
Upside/Downside
-2.8%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BBVA and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BBVA
Banco Bilbao Vizcaya Argentaria, S.A.
Primary
|
+587.0% | +329.9% | +132.7% | +61.9% | +7.1% | +2.4% |
|
IBKR
Interactive Brokers Group, Inc.
Peer
|
+355.0% | +307.1% | +112.8% | +21.7% | +24.1% | +9.0% |
|
HDB
HDFC Bank Limited
Peer
|
-25.4% | -23.0% | -27.5% | -29.8% | +5.6% | -3.3% |
|
SPGI
S&P Global Inc.
Peer
|
+51.6% | +42.8% | -2.6% | -5.1% | +2.3% | -0.5% |
|
CB
Chubb Limited
Peer
|
+114.2% | +69.9% | +18.7% | +23.4% | +2.3% | 0.0% |
BBV
Banco Bilbao Vizcaya Argentaria, S.A.
Primary
5Y
+587.0%
3Y
+329.9%
1Y
+132.7%
6M
+61.9%
1M
+7.1%
1W
+2.4%
IBK
Interactive Brokers Group, Inc.
Peer
5Y
+355.0%
3Y
+307.1%
1Y
+112.8%
6M
+21.7%
1M
+24.1%
1W
+9.0%
HDB
HDFC Bank Limited
Peer
5Y
-25.4%
3Y
-23.0%
1Y
-27.5%
6M
-29.8%
1M
+5.6%
1W
-3.3%
SPG
S&P Global Inc.
Peer
5Y
+51.6%
3Y
+42.8%
1Y
-2.6%
6M
-5.1%
1M
+2.3%
1W
-0.5%
CB
Chubb Limited
Peer
5Y
+114.2%
3Y
+69.9%
1Y
+18.7%
6M
+23.4%
1M
+2.3%
1W
0.0%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
12.3
Forward P/E
12.29
PEG Ratio
N/A
P/B Ratio
2.12
P/S Ratio
4.49
EV/Revenue
5.43
EV/EBITDA
N/A
Market Cap
$141.94B
Profitability
Profit margins and return metrics
Profit Margin
32.91%
Operating Margin
53.11%
Gross Margin
N/A
ROE
18.63%
ROA
1.4%
Growth
Revenue and earnings growth rates
Revenue Growth
+3.4%
Earnings Growth
-4.6%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
-3.7%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$20.94
Quarterly Earnings History
EPS performance vs analyst estimates
2026-02-05
$N/A
2025-10-30
$0.49
-4.2% surprise
2025-07-31
$0.53
+13.5% surprise
2025-04-29
$0.51
+9.1% surprise
Financial Services Sector Comparison
Comparing BBVA against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
12.3
This Stock
vs
36.01
Sector Avg
-65.8%
(Discount)
Return on Equity (ROE)
18.63%
This Stock
vs
-0.73%
Sector Avg
-2643.0%
(Below Avg)
Profit Margin
32.91%
This Stock
vs
91.62%
Sector Avg
-64.1%
(Weaker)
Revenue Growth
3.4%
This Stock
vs
35.27%
Sector Avg
-90.4%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BBVA
Banco Bilbao Vizcaya...
|
NEUTRAL | $141.94B | 12.3 | 18.6% | 32.9% | $24.97 | |
|
IBKR
Interactive Brokers Group, Inc.
|
NEUTRAL | $138.14B | 36.76 | 23.5% | 15.8% | $81.25 | Compare |
|
HDB
HDFC Bank Limited
|
NEUTRAL | $131.94B | 17.98 | 13.8% | 26.8% | $25.71 | Compare |
|
SPGI
S&P Global Inc.
|
BULLISH | $152.3B | 35.97 | 12.0% | 28.1% | $493.9 | Compare |
|
CB
Chubb Limited
|
BULLISH | $129.06B | 12.86 | 14.3% | 17.3% | $329.99 | Compare |
BBVA
Banco Bilbao...
NEUTRAL
Mkt Cap
$141.9B
P/E
12.3
ROE
18.6%
Price
$24.97
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
2 analysts
Barclays
2025-08-07
Equal-Weight
Overweight
Past News Coverage
Recent headlines mentioning BBVA from our newsroom.
Newest → oldest
No matching news yet.