Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) 10-Year Financial Performance & Capital Metrics

BBVA • • Banking & Credit

Financial ServicesDiversified BanksGlobal Universal BanksEuropean Global Banking Leaders

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 $25.27B +9.4%
Total Revenue $31.57B +16.2%
Net Income $10.05B +25.4%
Return on Equity 17.44% +15.0%
Net Interest Margin 3.27% +9.9%
Efficiency Ratio 43.43% -0.5%
ROA 1.3% +20.5%
Equity / Assets 7.77% +9.0%
Book Value per Share 10.40 +12.1%
Tangible BV/Share 9.97 +12.2%
Debt/Equity 2.41 -25.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong 5Y profit CAGR of 23.4%
✓Efficient operations: 43.4% efficiency ratio
✓Momentum leader: RS Rating 83 (top 17%)
✓Good 3Y average ROE of 15.1%
✓Healthy dividend yield of 2.8%
✓Share count reduced 3.1% through buybacks

✗Weaknesses

✗High debt to equity ratio of 2.4x

Price & Volume

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Growth Metrics

Revenue CAGR

10Y3.61%

5Y5.1%

3Y19.29%

TTM-

Profit (Net Income) CAGR

10Y14.4%

5Y23.41%

3Y29.28%

TTM15.02%

EPS CAGR

10Y15.43%

5Y29.02%

3Y35.86%

TTM19.59%

ROCE

10Y Avg5.1%

5Y Avg5.35%

3Y Avg7.07%

Latest8.33%

Peer Comparison

European Global Banking Leaders

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
BCSBarclays PLC	89.51B	25.90	18.50	119.69%	12.22%	9%	6.19%	2.56
SANBanco Santander, S.A.	177.87B	12.11	15.73	6.6%	9.68%	12.38%		4.50
BBVABanco Bilbao Vizcaya Argentaria, S.A.	136.53B	24.09	14.34	16.23%	31.85%	17.26%		2.41
HSBCHSBC Holdings plc	284.37B	82.83	13.36	8.7%	39.15%	10.56%	21.6%	1.26

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	16.02B	17.06B	17.76B	15.29B	15.79B	14.59B	14.69B	19.12B	23.09B	25.27B
NII Growth %	0.11%	0.06%	0.04%	-0.14%	0.03%	-0.08%	0.01%	0.3%	0.21%	0.09%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	24.78B	27.71B	17.76B	17.59B	18.2B	22.39B	23.01B	31.43B	47.85B	61.66B
Interest Expense	8.76B	10.65B	11.54B	11.67B	11.97B	7.8B	8.33B	12.28B	24.76B	36.39B
Loan Loss Provision	-8.76B	-10.65B	-11.54B	-14.45B	-11.97B	5.35B	3.02B	-12.28B	-24.76B	-36.39B
Non-Interest Income+	-1.11B	-3.08B	7.51B	6.26B	6.42B	7.68B	-4.41B	-8.46B	-20.69B	-30.09B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	23.67B	24.63B	25.27B	23.85B	24.62B	30.07B	18.6B	22.98B	27.16B	31.57B
Revenue Growth %	0.07%	0.04%	0.03%	-0.06%	0.03%	0.22%	-0.38%	0.24%	0.18%	0.16%
Non-Interest Expense	17.01B	16.1B	9.91B	12.36B	10.23B	9.09B	12.72B	10.33B	11.86B	13.71B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	12.66B	15.82B	8.53B	8.47B	9.95B	5.25B	9.42B	12.64B	15.3B	17.86B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.06%	0.25%	-0.46%	-0.01%	0.17%	-0.47%	0.79%	0.34%	0.21%	0.17%
Pretax Income+	4.6B	6.39B	6.93B	7.58B	7.05B	5.25B	7.25B	10.27B	12.42B	15.4B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	1.27B	1.7B	2.17B	2.06B	2.05B	1.46B	1.91B	3.5B	4B	4.83B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	2.64B	3.48B	3.51B	5.4B	3.51B	1.3B	4.65B	6.36B	8.02B	10.05B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.01%	0.32%	0.01%	0.54%	-0.35%	-0.63%	2.57%	0.37%	0.26%	0.25%
Net Income (Continuing)	3.33B	4.69B	4.76B	5.52B	5.1B	3.79B	5.34B	6.76B	8.42B	10.57B
EPS (Diluted)+	0.37	0.50	0.46	0.76	0.47	0.14	0.67	0.98	1.29	1.68
EPS Growth %	-0.07%	0.35%	-0.08%	0.65%	-0.38%	-0.7%	3.79%	0.46%	0.32%	0.3%
EPS (Basic)	0.37	0.49	0.46	0.76	0.47	0.14	0.67	0.98	1.29	1.68
Diluted Shares Outstanding	6.52B	6.59B	6.7B	6.64B	6.65B	6.65B	6.4B	6.19B	5.95B	5.77B

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	29.43B	49.17B	50.14B	63.39B	49.56B	72.9B	74.56B	85.09B	83.37B	59.88B
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	683.05B	644.76B	606.86B	576.61B	611.49B	636B	564.11B	599.37B	661.85B	663.42B
Investments Growth %	0.2%	-0.06%	-0.06%	-0.05%	0.06%	0.04%	-0.11%	0.06%	0.1%	0%
Long-Term Investments	515.47B	510.85B	482.6B	462.44B	482.46B	500.54B	409.81B	459.06B	488.38B	495.47B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	6.92B	6.94B	6.06B	6.18B	4.96B	910M	818M	707M	795M	700M
Intangible Assets	3.14B	2.85B	2.4B	2.13B	2.01B	1.44B	1.38B	1.45B	1.57B	1.79B
PP&E (Net)	8.48B	8.25B	7B	7.07B	9.82B	8.03B	7.11B	8.44B	9.05B	9.58B
Other Assets	-9.1B	-8.53B	-8.7B	-10.94B	-13.74B	-15.33B	-15.83B	-9.73B	-9.4B	2.95B
Total Current Assets	209.08B	195.1B	185.97B	193.49B	194.65B	222.9B	244.68B	237.42B	270.53B	247.55B
Total Non-Current Assets	540.78B	536.75B	504.09B	482.19B	500.82B	510.9B	418.2B	474.68B	505.03B	524.85B
Total Assets+	749.86B	731.86B	690.06B	675.67B	695.47B	733.8B	662.88B	712.09B	775.56B	772.4B
Asset Growth %	0.19%	-0.02%	-0.06%	-0.02%	0.03%	0.06%	-0.1%	0.07%	0.09%	-0%
Return on Assets (ROA)	0%	0%	0%	0.01%	0.01%	0%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	0	160M	0	0	0	0	0	0	0	0
Total Debt+	143.15B	118.54B	103.99B	106.97B	115.91B	110.8B	116.09B	114.64B	179.11B	144.43B
Net Debt	113.72B	69.37B	53.86B	43.58B	66.36B	37.9B	41.53B	29.55B	95.74B	84.55B
Long-Term Debt	82.27B	76.61B	63.92B	63.97B	68.62B	66.31B	59.16B	58.72B	72.69B	74.46B
Short-Term Debt	60.88B	41.93B	40.08B	42.99B	43.69B	41.57B	54.16B	54.38B	104.92B	68.5B
Other Liabilities	99.89B	114.92B	118.86B	92.81B	92.44B	186.18B	107.42B	106.28B	82.08B	77.35B
Total Current Liabilities	509B	481.51B	451.77B	463.98B	474.22B	426.81B	443.22B	493.65B	562.58B	556.82B
Total Non-Current Liabilities	185.57B	194.92B	184.96B	158.83B	166.32B	256.97B	170.91B	167.92B	157.71B	155.57B
Total Liabilities	694.57B	676.43B	636.74B	622.8B	640.54B	683.78B	614.13B	661.57B	720.29B	712.39B
Total Equity+	55.28B	55.43B	53.32B	52.87B	54.93B	50.02B	48.76B	50.52B	55.27B	60.01B
Equity Growth %	0.07%	0%	-0.04%	-0.01%	0.04%	-0.09%	-0.03%	0.04%	0.09%	0.09%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.05%	0.06%	0.06%	0.1%	0.07%	0.02%	0.09%	0.13%	0.15%	0.17%
Book Value per Share	8.48	8.41	7.95	7.97	8.26	7.52	7.62	8.16	9.28	10.40
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	3.12B	3.22B	3.27B	3.27B	3.27B	3.27B	3.27B	2.96B	2.86B	2.82B
Additional Paid-in Capital	23.99B	23.99B	23.99B	23.99B	23.99B	23.99B	23.6B	20.86B	19.77B	19.18B
Retained Earnings	25.23B	25.32B	27.26B	31.46B	32.9B	31.81B	36.49B	39.07B	44.26B	49.08B
Accumulated OCI	-3.42B	-3.66B	-6.96B	-11.37B	-11.43B	-14.52B	-18.87B	-16.02B	-15.19B	-15.37B
Treasury Stock	-309M	-48M	-96M	-296M	-62M	-46M	-647M	-29M	-34M	-66M
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	23.1B	6.62B	2.06B	8.66B	-8.21B	39.35B	-1.24B	23.72B	-721M	-18.19B
Operating CF Growth %	4.73%	-0.71%	-0.69%	3.22%	-1.95%	5.79%	-1.03%	20.1%	-1.03%	-24.23%
Net Income	3.33B	4.69B	4.76B	6.15B	4.34B	2.06B	5.62B	6.83B	8.42B	10.05B
Depreciation & Amortization	1.27B	1.43B	1.39B	1.21B	1.6B	1.29B	1.23B	1.33B	1.4B	1.53B
Deferred Taxes	0	0	0	0	-31M	0	0	0	0	0
Other Non-Cash Items	15.78B	3.66B	4.72B	3.7B	6.38B	8.41B	4.91B	7.21B	-20.02B	35.62B
Working Capital Changes	2.72B	-3.15B	-8.81B	-2.39B	-20.54B	27.59B	-13B	8.36B	9.48B	-65.4B
Cash from Investing+	-4.41B	-560M	2.9B	7.52B	98M	-37M	-1.63B	-3.91B	-1.42B	-1.42B
Purchase of Investments	-41M	-1.93B	-101M	-150M	-114M	-62M	-50M	-81M	-93M	-1M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	-3.62B	-22M	39M	4.25B	5M	0	10M	-1.39B	21M	45M
Other Investing	2B	1.81B	1.58B	4.36B	1.49B	350M	-728M	-756M	-276M	-304M
Cash from Financing+	127M	-1.11B	-98M	-5.09B	-2.7B	-2.07B	-4.35B	-7.56B	-1.84B	-2.57B
Dividends Paid	-1.02B	-1.6B	-1.7B	-2.11B	-2.15B	-1.06B	-926M	-2.19B	-2.81B	-3.91B
Share Repurchases	-3.27B	-2B	-1.67B	-1.69B	-1.09B	-807M	-1.02B	-2.98B	-2.17B	-1.53B
Stock Issued	3.32B	2.22B	1.63B	1.45B	1.33B	822M	438M	434M	711M	691M
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	-1000K	-1000K	-1000K	-1000K	-1000K	1000K	1000K
Other Financing	-146M	-230M	1.33B	1.07B	723M	198M	-538M	-571M	-622M	-40M
Net Change in Cash+	12.04B	1.49B	594M	8.59B	-11.08B	32.59B	-9.09B	11.96B	-4.34B	-24.27B
Exchange Rate Effect	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K	-1000K
Cash at Beginning	31.43B	43.47B	44.95B	45.55B	54.17B	44.3B	76.89B	67.8B	79.76B	75.42B
Cash at End	43.47B	44.95B	45.55B	54.14B	43.09B	76.89B	67.8B	79.76B	75.42B	51.15B
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	20.36B	4.67B	714M	7.17B	-9.59B	38.23B	-2.19B	21.28B	-2.54B	-19.39B
FCF Growth %	3.52%	-0.77%	-0.85%	9.04%	-2.34%	4.98%	-1.06%	10.72%	-1.12%	-6.63%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	4.94%	6.28%	6.46%	10.17%	6.52%	2.49%	9.42%	12.81%	15.16%	17.44%
Return on Assets (ROA)	0.38%	0.47%	0.49%	0.79%	0.51%	0.18%	0.67%	0.92%	1.08%	1.3%
Net Interest Margin	2.14%	2.33%	2.57%	2.26%	2.27%	1.99%	2.22%	2.69%	2.98%	3.27%
Efficiency Ratio	71.87%	65.37%	39.21%	51.8%	41.54%	30.22%	68.41%	44.97%	43.65%	43.43%
Equity / Assets	7.37%	7.57%	7.73%	7.82%	7.9%	6.82%	7.36%	7.09%	7.13%	7.77%
Book Value / Share	8.48	8.41	7.95	7.97	8.26	7.52	7.62	8.16	9.28	10.4
NII Growth	11.4%	6.47%	4.11%	-13.92%	3.29%	-7.59%	0.65%	30.22%	20.74%	9.42%
Dividend Payout	33.27%	46.01%	48.32%	39.02%	61.13%	81.61%	19.9%	34.37%	35.02%	38.92%

Frequently Asked Questions

Valuation & Price

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) has a price-to-earnings (P/E) ratio of 14.3x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) grew revenue by 16.2% over the past year. This is strong growth.

Yes, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is profitable, generating $10.51B in net income for fiscal year 2024 (31.8% net margin).

Dividend & Returns

Yes, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) pays a dividend with a yield of 2.82%. This makes it attractive for income-focused investors.

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) has a return on equity (ROE) of 17.4%. This is reasonable for most industries.

Industry Metrics

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) has an efficiency ratio of 43.4%. This is excellent, indicating strong cost control.

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