Comprehensive Stock Comparison
Compare Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) vs JPMorgan Chase & Co. (JPM) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | BBVA | 16.2% revenue growth vs JPM's 14.6% |
| Value | BBVA | Lower P/E (9.8x vs 13.9x), PEG 0.34 vs 1.07 |
| Quality / Margins | BBVA | 31.8% net margin vs JPM's 21.6% |
| Stability / Safety | BBVA | Beta 0.82 vs JPM's 1.00 |
| Dividends | BBVA | 3.5% yield, 3-year raise streak, vs JPM's 1.7% |
| Momentum (1Y) | BBVA | +80.6% vs JPM's +15.7% |
| Efficiency (ROA) | BBVA | 1.3% ROA vs JPM's 1.3%, ROIC 6.1% vs 5.4% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Valuation efficiency (growth/$)
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Banco Bilbao Vizcaya Argentaria (BBVA) is a multinational banking group providing retail and commercial banking services across multiple continents. It generates revenue primarily through net interest income from lending activities — about 60% of total income — supplemented by fees from banking services, insurance, and asset management. Its key advantage lies in its strong digital banking platform and extensive geographic diversification across Spain, Mexico, and Latin America, which provides resilience against regional economic cycles.
JPMorgan Chase is a global financial services giant that operates as a universal bank offering consumer banking, investment banking, commercial banking, and asset management services. It generates revenue primarily through net interest income from lending activities (about 50% of total revenue) and non-interest income from investment banking fees, trading, asset management, and card services. The company's key competitive advantage lies in its massive scale, diversified revenue streams, and fortress balance sheet—which together create significant barriers to entry and provide stability through economic cycles.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
BBVA leads in 4 of 6 categories — strongest in Financial Metrics and Valuation Metrics. 2 categories are tied.
Financial Metrics (TTM)
JPM is the larger business by revenue, generating $270.8B annually — 8.6x BBVA's $31.6B. BBVA is the more profitable business, keeping 31.8% of every revenue dollar as net income compared to JPM's 21.6%.
| Metric | BBVABanco Bilbao Vizc… | JPMJPMorgan Chase & … |
|---|---|---|
| RevenueTrailing 12 months | $31.6B | $270.8B |
| EBITDAEarnings before interest/tax | $18.2B | $81.3B |
| Net IncomeAfter-tax profit | $10.4B | $58.0B |
| Free Cash FlowCash after capex | $3.1B | -$119.7B |
| Gross MarginGross profit ÷ Revenue | +100.0% | +58.6% |
| Operating MarginEBIT ÷ Revenue | +56.6% | +27.7% |
| Net MarginNet income ÷ Revenue | +31.8% | +21.6% |
| FCF MarginFCF ÷ Revenue | -61.4% | -15.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -4.5% | +16.0% |
Valuation Metrics
At 11.7x trailing earnings, BBVA trades at a 23% valuation discount to JPM's 15.2x P/E. Adjusting for growth (PEG ratio), BBVA offers better value at 0.40x vs JPM's 1.17x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | BBVABanco Bilbao Vizc… | JPMJPMorgan Chase & … |
|---|---|---|
| Market CapShares × price | $130.9B | $809.7B |
| Enterprise ValueMkt cap + debt − cash | $230.6B | $1.09T |
| Trailing P/EPrice ÷ TTM EPS | 11.67x | 15.21x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.77x | 13.93x |
| PEG RatioP/E ÷ EPS growth rate | 0.40x | 1.17x |
| EV / EBITDAEnterprise value multiple | 10.08x | 13.15x |
| Price / SalesMarket cap ÷ Revenue | 3.52x | 2.99x |
| Price / BookPrice ÷ Book value/share | 1.89x | 2.51x |
| Price / FCFMarket cap ÷ FCF | — | — |
Profitability & Efficiency
BBVA delivers a 16.8% return on equity — every $100 of shareholder capital generates $17 in annual profit, vs $16 for JPM. JPM carries lower financial leverage with a 2.18x debt-to-equity ratio, signaling a more conservative balance sheet compared to BBVA's 2.41x.
| Metric | BBVABanco Bilbao Vizc… | JPMJPMorgan Chase & … |
|---|---|---|
| ROE (TTM)Return on equity | +16.8% | +16.1% |
| ROA (TTM)Return on assets | +1.3% | +1.3% |
| ROICReturn on invested capital | +6.1% | +5.4% |
| ROCEReturn on capital employed | +8.3% | +8.2% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 5 |
| Debt / EquityFinancial leverage | 2.41x | 2.18x |
| Net DebtTotal debt minus cash | $84.5B | $281.8B |
| Cash & Equiv.Liquid assets | $59.9B | $469.3B |
| Total DebtShort + long-term debt | $144.4B | $751.1B |
| Interest CoverageEBIT ÷ Interest expense | 0.98x | 0.74x |
Total Returns (with DRIP)
A $10,000 investment in BBVA five years ago would be worth $46,274 today (with dividends reinvested), compared to $21,449 for JPM. Over the past 12 months, BBVA leads with a +80.6% total return vs JPM's +15.7%. The 3-year compound annual growth rate (CAGR) favors BBVA at 48.0% vs JPM's 30.0% — a key indicator of consistent wealth creation.
| Metric | BBVABanco Bilbao Vizc… | JPMJPMorgan Chase & … |
|---|---|---|
| YTD ReturnYear-to-date | -3.6% | -7.3% |
| 1-Year ReturnPast 12 months | +80.6% | +15.7% |
| 3-Year ReturnCumulative with dividends | +224.0% | +119.7% |
| 5-Year ReturnCumulative with dividends | +362.7% | +114.5% |
| 10-Year ReturnCumulative with dividends | +328.2% | +497.7% |
| CAGR (3Y)Annualised 3-year return | +48.0% | +30.0% |
Risk & Volatility
BBVA is the less volatile stock with a 0.82 beta — it tends to amplify market swings less than JPM's 1.00 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | BBVABanco Bilbao Vizc… | JPMJPMorgan Chase & … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.82x | 1.00x |
| 52-Week HighHighest price in past year | $26.20 | $337.25 |
| 52-Week LowLowest price in past year | $11.59 | $202.16 |
| % of 52W HighCurrent price vs 52-week peak | +88.3% | +89.0% |
| RSI (14)Momentum oscillator 0–100 | 47.4 | 48.1 |
| Avg Volume (50D)Average daily shares traded | 1.6M | 9.0M |
Analyst Outlook
Wall Street rates BBVA as "Buy" and JPM as "Buy". For income investors, BBVA offers the higher dividend yield at 3.46% vs JPM's 1.71%.
| Metric | BBVABanco Bilbao Vizc… | JPMJPMorgan Chase & … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | — | $336.10 |
| # AnalystsCovering analysts | 13 | 60 |
| Dividend YieldAnnual dividend ÷ price | +3.5% | +1.7% |
| Dividend StreakConsecutive years of raises | 3 | 14 |
| Dividend / ShareAnnual DPS | $0.68 | $5.13 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.4% | +3.5% |
Historical Charts
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Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Banco Bilbao Vizcay… (BBVA) | 100 | 532.44 | +432.4% |
| JPMorgan Chase & Co. (JPM) | 100 | 253.57 | +153.6% |
Banco Bilbao Vizcay… (BBVA) returned +363% over 5 years vs JPMorgan Chase & Co. (JPM)'s +114%. A $10,000 investment in BBVA 5 years ago would be worth $46,274 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Banco Bilbao Vizcay… (BBVA) | $23.7B | $31.6B | +33.4% |
| JPMorgan Chase & Co. (JPM) | $101.0B | $270.8B | +168.1% |
Banco Bilbao Vizcaya Argentaria, S.A.'s revenue grew from $23.7B (2015) to $31.6B (2024) — a 3.3% CAGR. JPMorgan Chase & Co.'s revenue grew from $101.0B (2015) to $270.8B (2024) — a 11.6% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Banco Bilbao Vizcay… (BBVA) | 11.2% | 31.8% | +185.3% |
| JPMorgan Chase & Co. (JPM) | 24.2% | 21.6% | -10.8% |
Banco Bilbao Vizcaya Argentaria, S.A.'s net margin went from 11% (2015) to 32% (2024). JPMorgan Chase & Co.'s net margin went from 24% (2015) to 22% (2024).
Chart 4P/E Ratio History — 8 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| Banco Bilbao Vizcay… (BBVA) | 18.5 | 5.8 | -68.6% |
| JPMorgan Chase & Co. (JPM) | 16.9 | 12.1 | -28.4% |
Banco Bilbao Vizcaya Argentaria, S.A. has traded in a 6x–35x P/E range over 8 years; current trailing P/E is ~12x. JPMorgan Chase & Co. has traded in a 10x–17x P/E range over 8 years; current trailing P/E is ~15x.
Chart 5EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Banco Bilbao Vizcay… (BBVA) | 0.37 | 1.68 | +354.1% |
| JPMorgan Chase & Co. (JPM) | 6 | 19.75 | +229.2% |
Banco Bilbao Vizcaya Argentaria, S.A.'s EPS grew from $0.37 (2015) to $1.68 (2024) — a 18% CAGR. JPMorgan Chase & Co.'s EPS grew from $6.00 (2015) to $19.75 (2024) — a 14% CAGR.
Chart 6Free Cash Flow — 5 Years
Banco Bilbao Vizcaya Argentaria, S.A. generated $-19B FCF in 2024 (-786% vs 2021). JPMorgan Chase & Co. generated $-42B FCF in 2024 (-154% vs 2021).
BBVA vs JPM: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is BBVA or JPM a better buy right now?
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) offers the better valuation at 11.7x trailing P/E (9.8x forward), making it the more compelling value choice. Analysts rate Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) a "Buy" — based on 13 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 — BBVA or JPM?
On trailing P/E, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is the cheapest at 11.7x versus JPMorgan Chase & Co. at 15.2x. On forward P/E, Banco Bilbao Vizcaya Argentaria, S.A. is actually cheaper at 9.8x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Banco Bilbao Vizcaya Argentaria, S.A. wins at 0.34x versus JPMorgan Chase & Co.'s 1.07x — a PEG below 1.0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — BBVA or JPM?
Over the past 5 years, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) delivered a total return of +362.7%, compared to +114.5% for JPMorgan Chase & Co. (JPM). A $10,000 investment in BBVA five years ago would be worth approximately $46K today (assuming dividends reinvested). Over 10 years, the gap is even starker: JPM returned +497.7% versus BBVA's +328.2%. 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 — BBVA or JPM?
By beta (market sensitivity over 5 years), Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is the lower-risk stock at 0.82β versus JPMorgan Chase & Co.'s 1.00β — meaning JPM is approximately 23% more volatile than BBVA relative to the S&P 500. On balance sheet safety, JPMorgan Chase & Co. (JPM) carries a lower debt/equity ratio of 2% versus 2% for Banco Bilbao Vizcaya Argentaria, S.A. — giving it more financial flexibility in a downturn.
05Which has better profit margins — BBVA or JPM?
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is the more profitable company, earning 31.8% net margin versus 21.6% for JPMorgan Chase & Co. — meaning it keeps 31.8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BBVA leads at 56.6% versus 27.7% for JPM. At the gross margin level — before operating expenses — BBVA leads at 100.0%, 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.
06Is BBVA or JPM 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 Bilbao Vizcaya Argentaria, S.A. (BBVA) is the more undervalued stock at a PEG of 0.34x versus JPMorgan Chase & Co.'s 1.07x. A PEG below 1.0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) trades at 9.8x forward P/E versus 13.9x for JPMorgan Chase & Co. — 4.2x cheaper on a one-year earnings basis.
07Which pays a better dividend — BBVA or JPM?
All stocks in this comparison pay dividends. Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) offers the highest yield at 3.5%, versus 1.7% for JPMorgan Chase & Co. (JPM).
08Is BBVA or JPM better for a retirement portfolio?
For long-horizon retirement investors, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.82), 3.5% yield, +328.2% 10Y return). Both have compounded well over 10 years (BBVA: +328.2%, JPM: +497.7%), 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.
09What are the main differences between BBVA and JPM?
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. 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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