Zacks Investment Research·Sep 15, 2026
Here is Why Growth Investors Should Buy Banco Bilbao (BBVA) NowBanco Bilbao (BBVA) could produce exceptional returns because of its solid growth attributes.
BBVA demonstrates improving profitability with a record 37.8% efficiency ratio and stable NIM of 0.8%, suggesting digital investments are driving operational excellence. However, its balance sheet is heavily exposed to interest rate sensitivity, with investmen...
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 has stabilized in the $7.0B-$7.6B range over the last three quarters after significant volatility, while the efficiency ratio has dramatically improved to a peer-leading 37.8%, indicating strong operational leverage.
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 9/23/2026, 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) |
|---|---|---|
Q3 2026Latest 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 |
Q4 2025 Oct 30, 2025 | $0.49+2.1% vs $0.48 | $21.0B+97.2% vs $10.6B |
Banco Bilbao (BBVA) could produce exceptional returns because of its solid growth attributes.
Investors looking for stocks in the Banks - Foreign sector might want to consider either Banco Bilbao (BBVA) or Toronto-Dominion Bank (TD). But which of these two companies is the best option for those looking for undervalued stocks?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
The September GVAS portfolio highlights 10 ideal, fair-priced large-cap value stocks with strong dividend yields and positive free cash flow margins. Top GVAS dogs are projected to deliver average net gains of 36.8% by September 2027, with risk/volatility 46% below the market. Analyst targets suggest the five lowest-priced, highest-yield GVAS stocks could outperform the broader top ten by 5.12% over the next year.
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 |
|---|---|---|---|---|---|---|---|
| $28.67 | $158.41B | 14.79 | 4149.34% | 28.46% | 17.26% | 2.81% | |
| $14.49 | $212.69B | 14.52 | -5.18% | 22% | 14.61% | — | |
| $36.41 | $105.23B | 14.98 | 2.26% | 16.53% | 13.08% | — | |
| $8.43 | $92.91B | 10.96 | 4.21% | 12.29% | 21.05% | — | |
| $5.84 | $43.73B | 18.30 | -3.79% | 21.61% | 11.41% | — | |
| $49.19 | $161.24B | 20.84 | 13.72% | 12.2% | 10.03% | — |
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 4149.3% over the past year. This is strong growth.
Yes, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is profitable, generating $11.12B in net income for fiscal year 2025 (28.5% net margin).
Yes, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) pays a dividend with a yield of 2.81%. 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.
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.
