BBVA Banco Bilbao Vizcaya Argentaria, S.A. - Fundamental Analysis
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BBVA Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Banks - Diversified
Current Price
Live
$24.97
Analyst Target
$24.28
-2.8%
Downside
52W High
$25.06
52W Low
$10.77
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
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 AI analysis across 5 key categories
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Historical Performance Trends
Long-term financial metrics and growth patterns
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability, Growth & Financial Health
Detailed profit margins, ROE, debt ratios, and liquidity metrics
Sector Comparison & Peer Analysis
Compare BBVA against industry averages and similar companies
Insider Trading & Analyst Ratings
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