BBAR
Banco BBVA Argentina S.A.
Banks - Regional
Market Cap$3.19B
5Y Perf.+392.7%
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Stock Comparison
BBAR vs V
Revenue, margins, valuation, and 5-year total return — side by side.
V
Visa Inc.
Financial - Credit Services
Market Cap$611.60B
5Y Perf.+63.3%
BBAR vs V — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | BBAR | V |
|---|---|---|
| Industry | Banks - Regional | Financial - Credit Services |
| Market Cap | $3.19B | $611.60B |
| Revenue (TTM) | $5.20T | $40.00B |
| Net Income (TTM) | $258.90B | $22.24B |
| Gross Margin | 65.9% | 80.4% |
| Operating Margin | 8.5% | 60.0% |
| Forward P/E | 0.0x | 24.4x |
| Total Debt | $349.00B | $25.17B |
| Cash & Equiv. | $2.82T | $20.15B |
BBAR vs V — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
BBAR
V
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Banco BBVA Argentin… (BBAR) | 100 | 492.7 | +392.7% |
| Visa Inc. (V) | 100 | 163.3 | +63.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: BBAR vs V
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: V leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Banco BBVA Argentina S.A. is the stronger pick specifically for valuation and capital efficiency and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
BBAR
Banco BBVA Argentina S.A.
The Banking Pick
BBAR is the clearest fit if your priority is valuation efficiency.
- PEG 0.00 vs V's 1.54
- Lower P/E (0.0x vs 24.4x), PEG 0.00 vs 1.54
- 2.0% yield, 1-year raise streak, vs V's 0.7%
Best for: valuation efficiency
V
Visa Inc.
The Banking Pick
V carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 15 yrs, beta 0.68, yield 0.7%
- Rev growth 11.3%, EPS growth 4.8%
- 328.6% 10Y total return vs BBAR's -7.3%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | V | 11.3% NII/revenue growth vs BBAR's -31.1% |
| Value | BBAR | Lower P/E (0.0x vs 24.4x), PEG 0.00 vs 1.54 |
| Quality / Margins | V | Efficiency ratio 0.2% vs BBAR's 0.6% (lower = leaner) |
| Stability / Safety | V | Beta 0.68 vs BBAR's 2.02 |
| Dividends | BBAR | 2.0% yield, 1-year raise streak, vs V's 0.7% |
| Momentum (1Y) | V | -7.6% vs BBAR's -19.0% |
| Efficiency (ROA) | V | Efficiency ratio 0.2% vs BBAR's 0.6% |
BBAR vs V — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
BBAR vs V — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLVLAGGINGBBAR
BBARBanco BBVA Argentina …
1leads
VVisa Inc.
3leads
6 Total Categories
CATEGORYLEADERvs BBARMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
V5/5
Valuation MetricsMultiples, price ratios, and targets
BBAR6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
V7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
Tied
—
Risk & VolatilityBeta, volatility, and downside exposure
V2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
V leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
BBAR is the larger business by revenue, generating $5.20T annually — 130.0x V's $40.0B. V is the more profitable business, keeping 50.1% of every revenue dollar as net income compared to BBAR's 6.9%.
| Metric | BBARBanco BBVA Argent… | VVisa Inc. |
|---|---|---|
| RevenueTrailing 12 months | $5.20T | $40.0B |
| EBITDAEarnings before interest/tax | $421.5B | $27.6B |
| Net IncomeAfter-tax profit | $258.9B | $22.2B |
| Free Cash FlowCash after capex | -$3.96T | $21.2B |
| Gross MarginGross profit ÷ Revenue | +65.9% | +80.4% |
| Operating MarginEBIT ÷ Revenue | +8.5% | +60.0% |
| Net MarginNet income ÷ Revenue | +6.9% | +50.1% |
| FCF MarginFCF ÷ Revenue | -102.7% | +53.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -64.8% | +35.3% |
V leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
BBAR leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 12.6x trailing earnings, BBAR trades at a 60% valuation discount to V's 31.3x P/E. Adjusting for growth (PEG ratio), BBAR offers better value at 0.20x vs V's 1.97x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | BBARBanco BBVA Argent… | VVisa Inc. |
|---|---|---|
| Market CapShares × price | $3.2B | $611.6B |
| Enterprise ValueMkt cap + debt − cash | $1.4B | $616.6B |
| Trailing P/EPrice ÷ TTM EPS | 12.59x | 31.25x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.01x | 24.40x |
| PEG RatioP/E ÷ EPS growth rate | 0.20x | 1.97x |
| EV / EBITDAEnterprise value multiple | 3.79x | 24.46x |
| Price / SalesMarket cap ÷ Revenue | 0.85x | 15.29x |
| Price / BookPrice ÷ Book value/share | 1.70x | 16.53x |
| Price / FCFMarket cap ÷ FCF | — | 28.35x |
BBAR leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
V leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
V delivers a 58.9% return on equity — every $100 of shareholder capital generates $59 in annual profit, vs $9 for BBAR. BBAR carries lower financial leverage with a 0.13x debt-to-equity ratio, signaling a more conservative balance sheet compared to V's 0.66x. On the Piotroski fundamental quality scale (0–9), V scores 5/9 vs BBAR's 4/9, reflecting solid financial health.
| Metric | BBARBanco BBVA Argent… | VVisa Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +9.1% | +58.9% |
| ROA (TTM)Return on assets | +1.4% | +22.7% |
| ROICReturn on invested capital | +10.7% | +29.2% |
| ROCEReturn on capital employed | +8.7% | +36.2% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 5 |
| Debt / EquityFinancial leverage | 0.13x | 0.66x |
| Net DebtTotal debt minus cash | -$2.47T | $5.0B |
| Cash & Equiv.Liquid assets | $2.82T | $20.2B |
| Total DebtShort + long-term debt | $349.0B | $25.2B |
| Interest CoverageEBIT ÷ Interest expense | 0.16x | 26.72x |
V leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
Evenly matched — BBAR and V each lead in 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in BBAR five years ago would be worth $68,265 today (with dividends reinvested), compared to $14,202 for V. Over the past 12 months, V leads with a -7.6% total return vs BBAR's -19.0%. The 3-year compound annual growth rate (CAGR) favors BBAR at 61.2% vs V's 11.9% — a key indicator of consistent wealth creation.
| Metric | BBARBanco BBVA Argent… | VVisa Inc. |
|---|---|---|
| YTD ReturnYear-to-date | -12.2% | -7.8% |
| 1-Year ReturnPast 12 months | -19.0% | -7.6% |
| 3-Year ReturnCumulative with dividends | +318.7% | +40.2% |
| 5-Year ReturnCumulative with dividends | +582.7% | +42.0% |
| 10-Year ReturnCumulative with dividends | -7.3% | +328.6% |
| CAGR (3Y)Annualised 3-year return | +61.2% | +11.9% |
Evenly matched — BBAR and V each lead in 3 of 6 comparable metrics.
Risk & Volatility
V leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
V is the less volatile stock with a 0.68 beta — it tends to amplify market swings less than BBAR's 2.02 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. V currently trades 84.9% from its 52-week high vs BBAR's 67.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | BBARBanco BBVA Argent… | VVisa Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 2.02x | 0.68x |
| 52-Week HighHighest price in past year | $23.10 | $375.51 |
| 52-Week LowLowest price in past year | $7.76 | $293.89 |
| % of 52W HighCurrent price vs 52-week peak | +67.6% | +84.9% |
| RSI (14)Momentum oscillator 0–100 | 44.6 | 56.8 |
| Avg Volume (50D)Average daily shares traded | 667K | 7.0M |
V leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — BBAR and V each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates BBAR as "Buy" and V as "Buy". Consensus price targets imply 13.7% upside for V (target: $362) vs 2.4% for BBAR (target: $16). For income investors, BBAR offers the higher dividend yield at 2.04% vs V's 0.74%.
| Metric | BBARBanco BBVA Argent… | VVisa Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $16.00 | $362.45 |
| # AnalystsCovering analysts | 3 | 61 |
| Dividend YieldAnnual dividend ÷ price | +2.0% | +0.7% |
| Dividend StreakConsecutive years of raises | 1 | 15 |
| Dividend / ShareAnnual DPS | $443.65 | $2.36 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +2.2% |
Evenly matched — BBAR and V each lead in 1 of 2 comparable metrics.
Key Takeaway
V leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). BBAR leads in 1 (Valuation Metrics). 2 tied.
Best OverallVisa Inc. (V)Leads 3 of 6 categories
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BBAR vs V: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is BBAR or V a better buy right now?
For growth investors, Visa Inc.
(V) is the stronger pick with 11. 3% revenue growth year-over-year, versus -31. 1% for Banco BBVA Argentina S. A. (BBAR). Banco BBVA Argentina S. A. (BBAR) offers the better valuation at 12. 6x trailing P/E (0. 0x forward), making it the more compelling value choice. Analysts rate Banco BBVA Argentina S. A. (BBAR) a "Buy" — based on 3 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — BBAR or V?
On trailing P/E, Banco BBVA Argentina S.
A. (BBAR) is the cheapest at 12. 6x versus Visa Inc. at 31. 3x. On forward P/E, Banco BBVA Argentina S. A. is actually cheaper at 0. 0x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Banco BBVA Argentina S. A. wins at 0. 00x versus Visa Inc. 's 1. 54x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — BBAR or V?
Over the past 5 years, Banco BBVA Argentina S.
A. (BBAR) delivered a total return of +582. 7%, compared to +42. 0% for Visa Inc. (V). Over 10 years, the gap is even starker: V returned +328. 6% versus BBAR's -7. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — BBAR or V?
By beta (market sensitivity over 5 years), Visa Inc.
(V) is the lower-risk stock at 0. 68β versus Banco BBVA Argentina S. A. 's 2. 02β — meaning BBAR is approximately 197% more volatile than V relative to the S&P 500. On balance sheet safety, Banco BBVA Argentina S. A. (BBAR) carries a lower debt/equity ratio of 13% versus 66% for Visa Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — BBAR or V?
By revenue growth (latest reported year), Visa Inc.
(V) is pulling ahead at 11. 3% versus -31. 1% for Banco BBVA Argentina S. A. (BBAR). On earnings-per-share growth, the picture is similar: Visa Inc. grew EPS 4. 8% year-over-year, compared to -1. 4% for Banco BBVA Argentina S. A.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — BBAR or V?
Visa Inc.
(V) is the more profitable company, earning 50. 1% net margin versus 6. 9% for Banco BBVA Argentina S. A. — meaning it keeps 50. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: V leads at 60. 0% versus 8. 5% for BBAR. At the gross margin level — before operating expenses — V leads at 80. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is BBAR or V more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, Banco BBVA Argentina S. A. (BBAR) is the more undervalued stock at a PEG of 0. 00x versus Visa Inc. 's 1. 54x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Banco BBVA Argentina S. A. (BBAR) trades at 0. 0x forward P/E versus 24. 4x for Visa Inc. — 24. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for V: 13. 7% to $362. 45.
08Which pays a better dividend — BBAR or V?
All stocks in this comparison pay dividends.
Banco BBVA Argentina S. A. (BBAR) offers the highest yield at 2. 0%, versus 0. 7% for Visa Inc. (V).
09Is BBAR or V better for a retirement portfolio?
For long-horizon retirement investors, Visa Inc.
(V) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 68), 0. 7% yield, +328. 6% 10Y return). Banco BBVA Argentina S. A. (BBAR) carries a higher beta of 2. 02 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (V: +328. 6%, BBAR: -7. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between BBAR and V?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: BBAR is a small-cap deep-value stock; V is a large-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(BBAR: -31.1% · V: 11.3%)Net Margin>
%
(BBAR: 6.9% · V: 50.1%)P/E Ratio<
x
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