BBVXF

Banco Bilbao Vizcaya Argentaria, S.A.

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Price alert · BBVXF

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23.29 USD -1.34 -5.44%
As of Oct 30, 2026
25.90 Day range 25.90
20.06 52-week range 30.05
YTD
-5.17%
1 year
+13.06%
Open
25.90
Prev close
24.63
Mkt cap
128.09B
Vol
100
Avg vol
12.53K
EPS
2.28
P/E
10.21
More statistics
Low
25.90
High
25.90
Earnings
Oct 29, 2026

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Financial health

Altman Z-Score

-0.60 Distress zone

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

Piotroski F-Score

6 / 9 Average

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

FMP rating

B3 / 5 overall

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

Valuation

P/E 11.9×
FY 2016: 12.5×FY 2017: 15.9×FY 2018: 5.9×FY 2019: 10.5×FY 2020: 29.2×FY 2021: 8.2×FY 2022: 5.6×FY 2023: 6.2×FY 2024: 5.6×FY 2025: 11.9×
FY 2016 5y median 6.2× FY 2025
P/S 4.8×
FY 2016: 1.7×FY 2017: 2.4×FY 2018: 1.6×FY 2019: 1.4×FY 2020: 1.8×FY 2021: 1.9×FY 2022: 1.5×FY 2023: 1.8×FY 2024: 1.7×FY 2025: 4.8×
FY 2016 5y median 1.8× 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 1.0×
FY 2016: 8.9×FY 2017: 68.0×FY 2018: 4.2×FY 2019: -3.4×FY 2020: 0.7×FY 2021: -16.1×FY 2022: 1.6×FY 2023: -18.9×FY 2024: -2.7×FY 2025: 1.0×
FY 2016 5y median -2.7× FY 2025
EV/EBITDA 6.1×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 2.6×FY 2022: 5.5×FY 2023: 9.2×FY 2024: 10.8×FY 2025: 6.1×
FY 2016 5y median 6.1× FY 2025
EV/Sales 4.3×
FY 2016: 1.5×FY 2017: 1.8×FY 2018: 1.1×FY 2019: 1.5×FY 2020: -0.4×FY 2021: 1.2×FY 2022: 2.8×FY 2023: 4.7×FY 2024: 5.8×FY 2025: 4.3×
FY 2016 5y median 4.3× FY 2025
FCF Yield 97.6%
FY 2016: 11.3%FY 2017: 1.5%FY 2018: 23.9%FY 2019: -29.3%FY 2020: 140.7%FY 2021: -6.2%FY 2022: 62.6%FY 2023: -5.3%FY 2024: -37.1%FY 2025: 97.6%
FY 2016 5y median -5.3% FY 2025

Profitability

Gross Margin 132.4%
FY 2016: 100.0%FY 2017: 89.6%FY 2018: 94.3%FY 2019: 105.8%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 99.8%FY 2023: 100.0%FY 2024: 100.0%FY 2025: 132.4%
FY 2016 5y median 100.0% FY 2025
Operating Margin 64.7%
FY 2016: 21.0%FY 2017: 27.6%FY 2018: 39.9%FY 2019: 42.7%FY 2020: 40.3%FY 2021: 50.6%FY 2022: 54.9%FY 2023: 56.3%FY 2024: 56.6%FY 2025: 64.7%
FY 2016 5y median 56.3% FY 2025
Net Margin 41.9%
FY 2016: 14.1%FY 2017: 17.1%FY 2018: 29.1%FY 2019: 15.1%FY 2020: 8.6%FY 2021: 25.0%FY 2022: 27.6%FY 2023: 29.5%FY 2024: 31.8%FY 2025: 41.9%
FY 2016 5y median 29.5% 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 1.3%
FY 2016: 1.0%FY 2017: 35.1%FY 2018: 16.7%FY 2019: 1.9%FY 2020: 1.0%FY 2021: -5.5%FY 2022: -7.8%FY 2023: -51.4%FY 2024: 4.3%FY 2025: 1.3%
FY 2016 5y median -5.5% 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 -20.6%
FY 2016: 4.0%FY 2017: -16.5%FY 2018: -10.0%FY 2019: 25.6%FY 2020: -34.5%FY 2021: 22.1%FY 2022: 23.7%FY 2023: 18.0%FY 2024: 16.2%FY 2025: -20.6%
FY 2016 FY 2025
Operating Income -9.1%
FY 2016: -14.4%FY 2017: 9.9%FY 2018: 29.9%FY 2019: 34.6%FY 2020: -38.2%FY 2021: 53.2%FY 2022: 34.2%FY 2023: 21.0%FY 2024: 16.7%FY 2025: -9.1%
FY 2016 FY 2025
EPS (diluted) 4.8%
FY 2016: 28.2%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: 4.8%
FY 2016 FY 2025
Free Cash Flow 680.5%
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: -695.3%FY 2025: 680.5%
FY 2016 FY 2025

Financial Health

Current Ratio 2.3×
FY 2016: 1066×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 562×FY 2020: 810×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 2.3×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 2.3×
FY 2016: 1845×FY 2017: 0.9×FY 2018: 0.9×FY 2019: 1000×FY 2020: 810×FY 2021: 0.7×FY 2022: 0.7×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 2.3×
FY 2016 5y median 0.7× FY 2025
Debt / Equity 1.4×
FY 2016: 1.6×FY 2017: 1.4×FY 2018: 1.3×FY 2019: 1.3×FY 2020: 1.4×FY 2021: 1.4×FY 2022: 2.4×FY 2023: 3.5×FY 2024: 2.6×FY 2025: 1.4×
FY 2016 5y median 2.4× FY 2025
Net Debt / EBITDA -0.7×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: -1.5×FY 2022: 2.5×FY 2023: 5.7×FY 2024: 7.6×FY 2025: -0.7×
FY 2016 5y median 2.5× FY 2025
Interest Coverage 0.5×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.6×FY 2019: 0.8×FY 2020: 0.8×FY 2021: 1.1×FY 2022: 1.0×FY 2023: 0.6×FY 2024: 0.5×FY 2025: 0.5×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 3.5%
FY 2016: 3.9%FY 2017: 3.5%FY 2018: 7.0%FY 2019: 6.5%FY 2020: 3.9%FY 2021: 2.6%FY 2022: 6.4%FY 2023: 5.9%FY 2024: 7.2%FY 2025: 3.5%
FY 2016 5y median 5.9% 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