Banco Bilbao Vizcaya Argentaria, S.A.(BBVA)Earnings, Financials & Key Ratios
BBVA•NYSE•Banking & Credit
12.6× P/E·Price updated Jun 19, 2026
AboutBanco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides retail banking, wholesale banking, and asset management services. It offers current accounts; and demand, savings, overnight, time, term, and subordinated deposits. The company also provides loan products; deals in securities; and manages pension and investment funds. In addition, it offers credit cards; corporate and investment banking services; insurance products and services; and real estate services. The company provides its products through online and mobile channels. As of December 31, 2021, it operated through a network of 6,083 branches and 29,148 ATMs. It operates in Spain, Mexico, South America, the United States, Turkey, Asia, and rest of Europe. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.Show more
- Net Interest Income$26.28B+336.2%
- Total Revenue$36.93B+4.1%
- Net Income$10.51B+4.5%
- Return on Equity17.26%-1.1%
- Net Interest Margin3.06%+312.2%
- Efficiency Ratio39.62%+163.7%
- ROA1.29%-0.8%
- Equity / Assets7.19%-7.5%
- Book Value per Share10.35-0.5%
BBVA Key Insights
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 51.8%
- ✓Efficient operations: 39.6% efficiency ratio
- ✓Good 3Y average ROE of 16.6%
- ✓Healthy dividend yield of 3.2%
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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BBVA Price & Volume
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) stock price & volume — 10-year historical chart
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BBVA Growth Metrics
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years0.64%
5 Years4.2%
3 Years-2.93%
TTM-
Profit CAGR
10 Years14.81%
5 Years51.78%
3 Years18.24%
TTM4.55%
EPS CAGR
10 Years16.4%
5 Years64.57%
3 Years19.92%
TTM5.36%
Return on Capital
10 Years4.32%
5 Years5.83%
3 Years7.18%
Last Year7.63%
BBVA Recent Earnings
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (64%)●Beat Revenue 8/12 qtrs (73%)
Q2 2026Latest
Apr 30, 2026Metric
Actual
Est
EPS
$0.60+5.3%
$0.57
Rev
$12.5B+6.1%
$11.8B
Q1 2026
Feb 5, 2026Metric
Actual
Est
EPS
$0.50+0.0%
$0.50
Rev
$11.6B+2.8%
$11.2B
Q4 2025
Oct 30, 2025Metric
Actual
Est
EPS
$0.49+2.1%
$0.48
Rev
$21.0B+97.2%
$10.6B
Q3 2025
Jul 31, 2025Metric
Actual
Est
EPS
$0.52+10.6%
$0.47
Rev
$10.3B-0.6%
$10.3B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $0.60vs $0.57+5.3% | $12.5Bvs $11.8B+6.1% |
| Q1 2026 | Feb 5, 2026 | $0.50vs $0.50+0.0% | $11.6Bvs $11.2B+2.8% |
| Q4 2025 | Oct 30, 2025 | $0.49vs $0.48+2.1% | $21.0Bvs $10.6B+97.2% |
| Q3 2025 | Jul 31, 2025 | $0.52vs $0.47+10.6% | $10.3Bvs $10.3B-0.6% |
Based on last 12 quarters of dataView full earnings history →
BBVA Peer Comparison
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) competitors in European universal banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 SAN | 198.16B | 13.50 | 13.48 | -7.71% | 18.79% | 12.76% | 4.40 | |
 ING | 90.21B | 31.36 | 12.85 | -65.31% | 15.23% | 12.38% | 3.32 | |
 ITUB | 85.86B | 7.79 | 10.15 | 18.03% | 11.66% | 20.64% | 4.71 | |
 BSBR | 38.95B | 5.20 | 16.33 | 17.45% | 8.04% | 10.21% | 1.03 | |
 UBS | 157.65B | 50.80 | 27.17 | -20.43% | 10.48% | 7% | 3.94 | |
 DB | 67.48B | 35.27 | 9.92 | -8.25% | 12.79% | 8.7% | 3.18 | |
 C | 266.52B | 143.09 | 20.47 | -1.41% | 8.48% | 6.67% | 3.35 | |
 BAC | 424.14B | 56.20 | 14.71 | -0.45% | 15.93% | 10.15% | 1.21 |
Compare BBVA vs Peers
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BBVA Income Statement
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 17.76B | 15.29B | 15.79B | 14.59B | 14.69B | 19.12B | 23.09B | -11.13B | 26.28B |
NII Growth % | 4.11% | -13.92% | 3.29% | -7.59% | 0.65% | 30.22% | 20.74% | -148.19% | 336.18% |
Net Interest Margin % | 2.57% | 2.26% | 2.27% | 1.99% | 2.22% | 2.69% | 2.98% | -1.44% | 3.06% |
Interest Income | 29.3B | 26.95B | 27.76B | 22.39B | 23.01B | 31.43B | 47.85B | 25.27B | 26.28B |
Interest Expense | 11.54B | 11.67B | 11.97B | 7.8B | 8.33B | 12.31B | 24.76B | 36.39B | 0 |
Loan Loss Provision | 3.36B | 3.65B | 3.57B | 5.35B | 3.02B | 3.39B | 4.46B | 5.75B | 6.07B |
Non-Interest Income | 7.97B | 8.29B | 7.48B | 7.68B | 8.31B | 8.94B | 10.34B | 10.21B | 10.65B |
Non-Interest Income % | 21.39% | 23.51% | 21.23% | 25.54% | 26.53% | 22.15% | 17.77% | 28.79% | 28.84% |
Total Revenue | 37.27B▲ 0% | 35.24B▼ 5.4% | 35.24B▲ 0.0% | 30.07B▼ 14.7% | 31.32B▲ 4.2% | 40.37B▲ 28.9% | 58.19B▲ 44.1% | 35.48B▼ 39.0% | 36.93B▲ 4.1% |
Revenue Growth % | 1.28% | -5.44% | 0.01% | -14.68% | 4.18% | 28.89% | 44.13% | -39.02% | 4.08% |
Non-Interest Expense | 15.44B | 12.36B | 12.66B | 11.67B | 12.72B | 14.41B | 16.55B | -22.06B | 14.63B |
Efficiency Ratio | 41.42% | 35.06% | 35.92% | 38.81% | 40.62% | 35.68% | 28.44% | -62.18% | 39.62% |
Operating Income | 6.93B▲ 0% | 7.57B▲ 9.1% | 7.05B▼ 6.9% | 5.25B▼ 25.5% | 7.25B▲ 38.1% | 10.27B▲ 41.7% | 12.42B▲ 20.9% | 15.4B▲ 24.0% | 16.23B▲ 5.3% |
Operating Margin % | 18.6% | 21.47% | 19.99% | 17.45% | 23.14% | 25.43% | 21.34% | 43.42% | 43.94% |
Operating Income Growth % | 8.43% | 9.15% | -6.86% | -25.52% | 38.09% | 41.69% | 20.95% | 24.04% | 5.34% |
Pretax Income | 6.93B▲ 0% | 7.57B▲ 9.1% | 7.05B▼ 6.9% | 5.25B▼ 25.5% | 7.25B▲ 38.1% | 10.27B▲ 41.7% | 12.42B▲ 20.9% | 15.4B▲ 24.0% | 16.23B▲ 5.3% |
Pretax Margin % | 18.6% | 21.47% | 19.99% | 17.45% | 23.14% | 25.43% | 21.34% | 43.42% | 43.94% |
Income Tax | 2.17B | 2.04B | 1.94B | 1.46B | 1.91B | 3.5B | 4B | 4.83B | 5.1B |
Effective Tax Rate % | 31.37% | 26.99% | 27.58% | 27.8% | 26.34% | 34.14% | 32.23% | 31.35% | 31.43% |
Net Income | 3.51B▲ 0% | 5.4B▲ 53.7% | 3.51B▼ 35.0% | 1.3B▼ 62.8% | 4.65B▲ 256.6% | 6.36B▲ 36.6% | 8.02B▲ 26.1% | 10.05B▲ 25.4% | 10.51B▲ 4.5% |
Net Margin % | 9.43% | 15.32% | 9.97% | 4.34% | 14.85% | 15.75% | 13.78% | 28.34% | 28.46% |
Net Income Growth % | 1.12% | 53.67% | -34.96% | -62.84% | 256.55% | 36.64% | 26.12% | 25.38% | 4.55% |
Net Income (Continuing) | 4.76B | 5.52B | 5.1B | 3.79B | 5.34B | 6.76B | 8.42B | 10.57B | 11.13B |
EPS (Diluted) | 0.46▲ 0% | 0.76▲ 65.2% | 0.47▼ 38.2% | 0.14▼ 70.2% | 0.67▲ 378.6% | 0.98▲ 46.3% | 1.29▲ 31.6% | 1.68▲ 30.2% | 1.69▲ 0.6% |
EPS Growth % | -8% | 65.22% | -38.16% | -70.21% | 378.57% | 46.27% | 31.63% | 30.23% | 0.6% |
EPS (Basic) | 0.46 | 0.76 | 0.47 | 0.14 | 0.67 | 0.98 | 1.29 | 1.68 | 1.69 |
Diluted Shares Outstanding | 6.7B | 6.64B | 6.65B | 6.65B | 6.4B | 6.19B | 5.95B | 5.77B | 5.97B |
BBVA Balance Sheet
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 174.4B | 177.56B | 178.59B | 208.37B | 134.96B | 178.37B | 177.95B | 153.57B | 275.94B |
Cash & Due from Banks | 50.14B | 63.39B | 49.56B | 72.9B | 74.56B | 84.25B | 82.61B | 59.88B | 93.95B |
Short Term Investments | 124.26B | 114.17B | 129.03B | 135.47B | 60.39B | 94.12B | 95.34B | 93.69B | 181.99B |
Total Investments | 606.86B | 576.61B | 611.49B | 636B | 439.56B | 515.97B | 547.37B | 588.57B | 729.05B |
Investments Growth % | -5.88% | -4.99% | 6.05% | 4.01% | -30.89% | 17.38% | 6.09% | 7.53% | 23.87% |
Long-Term Investments | 482.6B | 462.44B | 482.46B | 500.54B | 379.17B | 421.85B | 452.04B | 494.88B | 547.05B |
Accounts Receivables | 22.7B | 17.44B | 17.28B | 15.54B | 19.52B | 25.99B | 25.1B | 31.69B | 0 |
Goodwill & Intangibles | 8.46B | 8.31B | 6.96B | 2.35B | 2.2B | 2.16B | 2.36B | 2.49B | 2.86B |
Goodwill | 6.06B | 6.18B | 4.96B | 910M | 818M | 707M | 795M | 700M | 2.86B |
Intangible Assets | 2.4B | 2.13B | 2.01B | 1.44B | 1.38B | 1.45B | 1.57B | 1.79B | 0 |
PP&E (Net) | 7B | 7.07B | 9.82B | 8.03B | 7.11B | 8.44B | 9.05B | 9.51B | 9.48B |
Other Assets | -8.7B | -10.94B | -13.74B | -15.33B | 89.2B | 60.54B | 94.43B | 65.91B | 24.24B |
Total Current Assets | 185.97B | 193.49B | 194.65B | 222.9B | 170.3B | 204.36B | 203.04B | 185.27B | 275.94B |
Total Non-Current Assets | 504.09B | 482.19B | 500.82B | 510.9B | 492.59B | 507.74B | 572.51B | 587.14B | 583.63B |
Total Assets | 690.06B▲ 0% | 675.67B▼ 2.1% | 695.47B▲ 2.9% | 733.8B▲ 5.5% | 662.88B▼ 9.7% | 712.09B▲ 7.4% | 775.56B▲ 8.9% | 772.4B▼ 0.4% | 859.58B▲ 11.3% |
Asset Growth % | -5.71% | -2.08% | 2.93% | 5.51% | -9.66% | 7.42% | 8.91% | -0.41% | 11.29% |
Return on Assets (ROA) | 0.49% | 0.79% | 0.51% | 0.18% | 0.67% | 0.92% | 1.08% | 1.3% | 1.29% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 103.99B | 106.97B | 115.91B | 110.8B | 116.09B | 114.64B | 179.35B | 144.43B | 81.84B |
Net Debt | 53.86B | 43.58B | 66.36B | 37.9B | 41.53B | 30.39B | 96.74B | 84.55B | -12.11B |
Long-Term Debt | 63.92B | 63.97B | 68.62B | 66.31B | 59.16B | 58.72B | 72.69B | 74.46B | 81.84B |
Short-Term Debt | 40.08B | 42.99B | 43.69B | 41.57B | 54.16B | 54.38B | 104.92B | 68.5B | 0 |
Other Liabilities | 118.86B | 92.81B | 92.44B | 186.18B | 107.42B | 92.19B | 67.43B | 60.49B | 82.84B |
Total Current Liabilities | 451.77B | 463.98B | 474.22B | 426.81B | 443.22B | 507.75B | 577B | 573.68B | 633.09B |
Total Non-Current Liabilities | 184.96B | 158.83B | 166.32B | 256.97B | 170.91B | 153.82B | 143.3B | 138.71B | 164.69B |
Total Liabilities | 636.74B | 622.8B | 640.54B | 683.78B | 614.13B | 661.57B | 720.29B | 712.39B | 797.78B |
Total Equity | 53.32B▲ 0% | 52.87B▼ 0.8% | 54.93B▲ 3.9% | 50.02B▼ 8.9% | 48.76B▼ 2.5% | 50.52B▲ 3.6% | 55.27B▲ 9.4% | 60.01B▲ 8.6% | 61.8B▲ 3.0% |
Equity Growth % | -3.8% | -0.85% | 3.89% | -8.94% | -2.52% | 3.61% | 9.4% | 8.59% | 2.97% |
Equity / Assets (Capital Ratio) | 7.73% | 7.82% | 7.9% | 6.82% | 7.36% | 7.09% | 7.13% | 7.77% | 7.19% |
Return on Equity (ROE) | 6.46% | 10.17% | 6.52% | 2.49% | 9.42% | 12.81% | 15.16% | 17.44% | 17.26% |
Book Value per Share | 7.95 | 7.97 | 8.26 | 7.52 | 7.62 | 8.16 | 9.28 | 10.40 | 10.35 |
Tangible BV per Share | 6.69 | 6.71 | 7.21 | 7.17 | 7.27 | 7.81 | 8.89 | 9.97 | 9.87 |
Common Stock | 3.27B | 3.27B | 3.27B | 3.27B | 3.27B | 2.96B | 2.86B | 2.82B | 76.23B |
Additional Paid-in Capital | 23.99B | 23.99B | 23.99B | 23.99B | 23.6B | 20.86B | 19.77B | 19.18B | 0 |
Retained Earnings | 27.26B | 31.46B | 32.9B | 31.81B | 36.49B | 39.07B | 44.26B | 50.75B | 0 |
Accumulated OCI | -6.96B | -11.37B | -11.43B | -14.52B | -18.87B | -16.02B | -15.19B | -17.07B | -18.87B |
Treasury Stock | -96M | -296M | -62M | -46M | -647M | -29M | -34M | -66M | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
BBVA Cash Flow Statement
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 2.06B | 8.66B | -8.21B | 39.35B | -1.24B | 23.72B | -721M | -18.19B | 14.97B |
Operating CF Growth % | -68.97% | 321.61% | -194.81% | 579.05% | -103.16% | 2009.66% | -103.04% | -2422.88% | 182.29% |
Net Income | 4.76B | 6.23B | 4.34B | 2.06B | 5.62B | 6.76B | 8.42B | 10.57B | 11.13B |
Depreciation & Amortization | 1.39B | 1.03B | 1.39B | 1.29B | 1.23B | 1.33B | 1.4B | 1.53B | 1.52B |
Deferred Taxes | 0 | 0 | -31M | 0 | 0 | 0 | 0 | 0 | 0 |
Other Non-Cash Items | 4.72B | 3.8B | 6.59B | 8.41B | 4.91B | 7.18B | 5.39B | 7.65B | 9.53B |
Working Capital Changes | -9.14B | 2.38B | -22.98B | 27.59B | -13B | 8.44B | -15.94B | -37.95B | -7.21B |
Cash from Investing | 2.9B | 7.52B | 98M | -37M | -1.63B | -3.91B | -1.42B | -1.42B | -1.4B |
Purchase of Investments | -101M | -150M | -114M | -62M | -50M | -81M | -93M | -1M | -99.09B |
Sale/Maturity of Investments | 2.73B | 558M | 98M | 307M | 80M | 127M | 58M | 32M | 79.72M |
Net Investment Activity | 2.63B | 408M | -16M | 245M | 30M | 46M | -35M | 31M | -99.01B |
Acquisitions | 39M | 4.25B | 5M | 0 | 10M | -1.39B | 21M | 45M | 127.75M |
Other Investing | 1.58B | 4.36B | 1.49B | 350M | -728M | -756M | -276M | -304M | 99.22B |
Cash from Financing | -98M | -5.09B | -2.7B | -2.07B | -4.35B | -7.56B | -1.84B | -2.57B | -3.67B |
Dividends Paid | -1.7B | -2.11B | -2.15B | -1.06B | -926M | -2.19B | -2.81B | -3.91B | -4.03B |
Share Repurchases | -1.67B | -1.69B | -1.09B | -807M | -1.02B | -2.98B | -2.17B | -1.53B | -1.92B |
Stock Issued | 1.63B | 1.45B | 1.33B | 822M | 438M | 434M | 711M | 691M | 727.12M |
Net Stock Activity | -47M | -234M | 247M | 15M | -584M | -2.55B | -1.46B | -838M | -1.19B |
Debt Issuance (Net) | 1000K | -1000K | -1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 1000K |
Other Financing | 1.33B | 1.07B | 723M | 198M | -538M | -571M | -622M | -731M | -793.47M |
Net Change in Cash | 594M▲ 0% | 8.59B▲ 1346.0% | -11.08B▼ 229.0% | 32.59B▲ 394.2% | -9.09B▼ 127.9% | 11.96B▲ 231.6% | -4.34B▼ 136.3% | -24.27B▼ 459.2% | 7.69B▲ 131.7% |
Exchange Rate Effect | -4.27B | -2.5B | -258M | -4.66B | -1.86B | -288M | -357M | -2.09B | -2.2B |
Cash at Beginning | 44.95B | 45.55B | 54.17B | 44.3B | 76.89B | 67.8B | 79.76B | 75.42B | 51.15B |
Cash at End | 45.55B | 54.14B | 43.09B | 76.89B | 67.8B | 79.76B | 75.42B | 51.15B | 58.84B |
Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Free Cash Flow | 714M▲ 0% | 7.17B▲ 904.1% | -9.59B▼ 233.8% | 38.23B▲ 498.4% | -2.19B▼ 105.7% | 21.28B▲ 1072.4% | -2.54B▼ 111.9% | -19.39B▼ 663.2% | 14.14B▲ 172.9% |
FCF Growth % | -84.7% | 904.06% | -233.83% | 498.44% | -105.72% | 1072.39% | -111.94% | -663.19% | 172.95% |
BBVA Banking Ratios
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 6.28% | 6.46% | 10.17% | 6.52% | 2.49% | 9.42% | 12.81% | 15.16% | 17.44% | 17.26% |
Return on Assets (ROA) | 0.47% | 0.49% | 0.79% | 0.51% | 0.18% | 0.67% | 0.92% | 1.08% | 1.3% | 1.29% |
Net Interest Margin | 2.33% | 2.57% | 2.26% | 2.27% | 1.99% | 2.22% | 2.69% | 2.98% | -1.44% | 3.06% |
Efficiency Ratio | 43.75% | 41.42% | 35.06% | 35.92% | 38.81% | 40.62% | 35.68% | 28.44% | -62.18% | 39.62% |
Equity / Assets | 7.57% | 7.73% | 7.82% | 7.9% | 6.82% | 7.36% | 7.09% | 7.13% | 7.77% | 7.19% |
Book Value / Share | 8.41 | 7.95 | 7.97 | 8.26 | 7.52 | 7.62 | 8.16 | 9.28 | 10.4 | 10.35 |
NII Growth | 6.47% | 4.11% | -13.92% | 3.29% | -7.59% | 0.65% | 30.22% | 20.74% | -148.19% | 336.18% |
Dividend Payout | 46.01% | 48.32% | 39.02% | 61.13% | 81.61% | 19.9% | 34.37% | 35.02% | 38.92% | 38.34% |
Related:BBVA Dividend History·BBVA Revenue History·BBVA Price History·BBVA P/E History·BBVA Financial Ratios·BBVA Institutional Holders
BBVA Frequently Asked Questions
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) grew revenue by 4.1% over the past year. Growth has been modest.
Yes, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is profitable, generating $10.51B in net income for fiscal year 2025 (28.5% net margin).
Dividend & Returns
Yes, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) pays a dividend with a yield of 3.17%. This makes it attractive for income-focused investors.
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) has a return on equity (ROE) of 17.3%. This is reasonable for most industries.
Industry Metrics
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.