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Banco Bilbao Vizcaya Argentaria, S.A. BBVA

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Price alert · BBVA

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24.00 USD +0.06 (+0.25%)

At closeNov 4, 2026, 7:22 AM EST

25.37 +1.37 +5.71%

Pre-market · Nov 4, 7:22 AM ET

23.95 Day range 24.22
20.10 52-week range 29.64
YTD
+2.96%
1 year
+19.88%

Financial health

Altman Z-Score

-0.60 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-3 / 5 overall

  • DCF 2
  • Return on Equity 5
  • Return on Assets 3
  • Debt / Equity 1
  • P/E 3
  • P/B 1

Valuation

P/E 11.7×
FY 2016: 13.1×FY 2017: 15.4×FY 2018: 6.1×FY 2019: 10.6×FY 2020: 28.9×FY 2021: 7.7×FY 2022: 5.7×FY 2023: 6.4×FY 2024: 5.6×FY 2025: 11.7×
FY 2016 5y median 6.4× FY 2025
P/S 3.2×
FY 2016: 1.2×FY 2017: 1.3×FY 2018: 0.9×FY 2019: 0.9×FY 2020: 0.9×FY 2021: 1.1×FY 2022: 0.9×FY 2023: 0.8×FY 2024: 1.5×FY 2025: 3.2×
FY 2016 5y median 1.1× FY 2025
P/B 2.1×
FY 2016: 0.9×FY 2017: 1.0×FY 2018: 0.6×FY 2019: 0.7×FY 2020: 0.6×FY 2021: 0.8×FY 2022: 0.7×FY 2023: 0.9×FY 2024: 1.0×FY 2025: 2.1×
FY 2016 5y median 0.9× FY 2025
P/FCF 9.0×
FY 2016: 9.1×FY 2017: 65.9×FY 2018: 4.3×FY 2019: -3.4×FY 2020: 0.7×FY 2021: -15.1×FY 2022: 1.6×FY 2023: -19.3×FY 2024: -2.8×FY 2025: 9.0×
FY 2016 5y median -2.8× FY 2025
EV/EBITDA 6.0×
FY 2016: 14.3×FY 2017: 12.1×FY 2018: 8.6×FY 2019: 11.8×FY 2020: 9.9×FY 2021: 8.8×FY 2022: 5.6×FY 2023: 10.5×FY 2024: 8.2×FY 2025: 6.0×
FY 2016 5y median 8.2× FY 2025
EV/Sales 2.9×
FY 2016: 3.0×FY 2017: 2.7×FY 2018: 2.1×FY 2019: 2.8×FY 2020: 2.2×FY 2021: 2.4×FY 2022: 1.6×FY 2023: 2.5×FY 2024: 3.9×FY 2025: 2.9×
FY 2016 5y median 2.5× FY 2025
FCF Yield 11.1%
FY 2016: 11.0%FY 2017: 1.5%FY 2018: 23.4%FY 2019: -29.0%FY 2020: 142.1%FY 2021: -6.6%FY 2022: 61.2%FY 2023: -5.2%FY 2024: -35.8%FY 2025: 11.1%
FY 2016 5y median -5.2% FY 2025

Profitability

Gross Margin 83.6%
FY 2016: 61.1%FY 2017: 60.0%FY 2018: 56.5%FY 2019: 55.9%FY 2020: 56.3%FY 2021: 63.8%FY 2022: 61.1%FY 2023: 49.8%FY 2024: -18.8%FY 2025: 83.6%
FY 2016 5y median 61.1% FY 2025
Operating Margin 43.9%
FY 2016: 17.4%FY 2017: 18.6%FY 2018: 21.5%FY 2019: 20.0%FY 2020: 17.5%FY 2021: 23.1%FY 2022: 25.4%FY 2023: 21.3%FY 2024: 43.4%FY 2025: 43.9%
FY 2016 5y median 25.4% FY 2025
Net Margin 28.5%
FY 2016: 9.4%FY 2017: 9.4%FY 2018: 15.3%FY 2019: 10.0%FY 2020: 4.3%FY 2021: 14.9%FY 2022: 15.7%FY 2023: 13.8%FY 2024: 28.3%FY 2025: 28.5%
FY 2016 5y median 15.7% FY 2025
ROE 18.3%
FY 2016: 7.3%FY 2017: 7.6%FY 2018: 11.5%FY 2019: 7.2%FY 2020: 2.9%FY 2021: 10.6%FY 2022: 13.6%FY 2023: 15.5%FY 2024: 18.1%FY 2025: 18.3%
FY 2016 5y median 15.5% FY 2025
ROIC 4.9%
FY 2016: 1.6%FY 2017: 1.7%FY 2018: 2.2%FY 2019: 1.9%FY 2020: 1.1%FY 2021: 1.9%FY 2022: 2.6%FY 2023: 2.8%FY 2024: 4.0%FY 2025: 4.9%
FY 2016 5y median 2.8% FY 2025
ROA 1.2%
FY 2016: 0.5%FY 2017: 0.5%FY 2018: 0.8%FY 2019: 0.5%FY 2020: 0.2%FY 2021: 0.7%FY 2022: 0.9%FY 2023: 1.0%FY 2024: 1.3%FY 2025: 1.2%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue 4.1%
FY 2016: 6.2%FY 2017: 1.3%FY 2018: -5.4%FY 2019: 0.0%FY 2020: -14.7%FY 2021: 4.2%FY 2022: 28.9%FY 2023: 44.1%FY 2024: -39.0%FY 2025: 4.1%
FY 2016 FY 2025
Operating Income 5.3%
FY 2016: 38.9%FY 2017: 8.4%FY 2018: 9.1%FY 2019: -6.9%FY 2020: -25.5%FY 2021: 38.1%FY 2022: 41.7%FY 2023: 20.9%FY 2024: 24.0%FY 2025: 5.3%
FY 2016 FY 2025
EPS (diluted) 0.6%
FY 2016: 35.1%FY 2017: -8.0%FY 2018: 65.2%FY 2019: -38.2%FY 2020: -70.2%FY 2021: 378.6%FY 2022: 46.3%FY 2023: 31.6%FY 2024: 30.2%FY 2025: 0.6%
FY 2016 FY 2025
Free Cash Flow 167.9%
FY 2016: -77.1%FY 2017: -84.7%FY 2018: 904.1%FY 2019: -233.8%FY 2020: 498.4%FY 2021: -105.7%FY 2022: 1072.4%FY 2023: -111.9%FY 2024: -663.2%FY 2025: 167.9%
FY 2016 FY 2025

Financial Health

Current Ratio 0.4×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 0.4×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.5×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025
Debt / Equity 1.4×
FY 2016: 2.5×FY 2017: 2.2×FY 2018: 2.3×FY 2019: 2.4×FY 2020: 2.5×FY 2021: 2.6×FY 2022: 2.4×FY 2023: 3.5×FY 2024: 2.6×FY 2025: 1.4×
FY 2016 5y median 2.6× FY 2025
Net Debt / EBITDA -0.7×
FY 2016: 8.9×FY 2017: 6.5×FY 2018: 5.1×FY 2019: 7.9×FY 2020: 5.8×FY 2021: 4.9×FY 2022: 2.6×FY 2023: 7.0×FY 2024: 5.0×FY 2025: -0.7×
FY 2016 5y median 4.9× FY 2025
Interest Coverage 0.0×
FY 2016: 0.6×FY 2017: 0.6×FY 2018: 0.6×FY 2019: 0.6×FY 2020: 0.7×FY 2021: 0.9×FY 2022: 0.8×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 0.0×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 3.5%
FY 2016: 3.8%FY 2017: 3.6%FY 2018: 6.9%FY 2019: 6.5%FY 2020: 4.0%FY 2021: 2.8%FY 2022: 6.3%FY 2023: 5.7%FY 2024: 7.2%FY 2025: 3.5%
FY 2016 5y median 5.7% FY 2025
Payout Ratio 39.9%
FY 2016: 46.0%FY 2017: 48.3%FY 2018: 39.0%FY 2019: 61.1%FY 2020: 81.6%FY 2021: 19.9%FY 2022: 34.4%FY 2023: 35.0%FY 2024: 38.9%FY 2025: 39.9%
FY 2016 5y median 35.0% FY 2025

Annual · latest fiscal year ends 2025-12-31