BBVA's net interest income has rebounded to $8.1B in 2026Q3 with 21.7% year-over-year growth, and its net interest margin has held near 0.8%, suggesting the core lending spread has been resilient.
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Net interest income climbed to $8.1B in 2026Q3 with a stable 0.8% margin and efficiency improving to 39.1%, though provisions rising to $1.9B and a distorted prior-year base temper the apparent momentum.
BBVA posted a record net profit of €10.5 billion in 2025, the highest in its history, driven by a 16.2% rise in lending and a Return on Tangible Equity (ROTE) of 19.3%. In 2024 the bank earned €10.1 billion, a 25% year‑over‑year increase, with a ROTE of 19.7% and a solid CET1 capital ratio of 12.7%.
More than 50% of new clients are acquired digitally, and these digital customers become three times more profitable over time. BBVA’s app‑centric model lowers acquisition costs while accelerating customer base expansion in priority segments such as corporate banking and sustainable business.
BBVA plans to distribute over €5.2 billion as an ordinary dividend in 2025, representing 50% of earnings, and has announced an extraordinary share buyback program of nearly €4 billion. The bank also delivered a record €0.92 per share in cash dividends in 2025.
Trailing total returns as of 11/7/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Oct 29, 2026 | $0.61-1.6% vs $0.62 | $12.2B+0.8% vs $12.1B |
Q3 2026 Jul 30, 2026 | $0.63+6.8% vs $0.59 | $12.1B+1.2% vs $11.9B |
Q2 2026 Apr 30, 2026 | $0.60+5.3% vs $0.57 | $12.5B+6.1% vs $11.8B |
Q1 2026 Feb 5, 2026 | $0.50+0.0% vs $0.50 | $11.6B+2.8% vs $11.2B |
Banco Bilbao Vizcaya Argentaria, S.A. ( BBVA ) Q3 2026 Earnings Call October 28, 2026 8:00 PM EDT Company Participants Onur Genç - CEO & Executive Director Presentation Onur Genç CEO & Executive Director We have delivered excellent results in the first 9 months of 2026.
Banco Bilbao Vizcaya Argentaria, S.A. ( BBVA ) Q3 2026 Earnings Call October 29, 2026 4:30 AM EDT Company Participants Patricia Bueno - Global Head of Shareholder & Investor Relations Onur Genç - CEO & Executive Director Gonzalo Rodriguez - Global Head of Finance & CFO Conference Call Participants Maksym Mishyn - JB Capital Markets, Sociedad de Valores, S.A.
Banco Bilbao Vizcaya Argentaria NYSE: BBVA reported third-quarter net attributable profit of more than €3 billion, up 19.1% from a year earlier, as loan growth and net interest income accelerated across its main markets.
Spain's BBVA on Thursday said its third-quarter net profit rose 19% year-on-year, driven by a solid performance in Mexico, its main market, and overall higher lending income.
Benchmark BBVA against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Banco Bilbao Vizcaya Argentaria, S.A. (BBVA)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $25.05 | $138.41B | 11.25 | 4149.34% | 27.65% | 18.61% | 3.13% | |
| $11.74 | $172.32B | 10.99 | -5.18% | 25% | 14.04% | 1.99% | |
| $31.82 | $90.75B | 12.05 | 2.26% | 16.52% | 13.15% | — | |
| $7.39 | $81.45B | 9.39 | 4.21% | 25.77% | 21.15% | 10.42% | |
| $4.64 | $34.74B | 14.92 | -3.79% | 26.65% | 9.95% | 3.41% | |
| $47.78 | $156.61B | 15.67 | 13.72% | 18.31% | 10.67% | 1.44% |
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) stock FAQ — growth, dividends, profitability & financials explained
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) grew revenue by 45.4% over the trailing twelve months, compared with the twelve months before.
Yes. Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) earned $11.58B in net income over the trailing twelve months (a 27.7% net margin).
Yes. Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) pays a dividend that yields 3.13% at the current price, a moderate yield.
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) had a return on equity (ROE) of 18.6% over the trailing twelve months. That is above the market's typical 10-15%.
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) has an efficiency ratio of 39.6%. This is excellent, indicating strong cost control.
