Last 47 quarters of trend data · Financial Services · Banks - Diversified
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.19 | 11.82 | 10.62 | 13.88 | 11.46 | 8.01 | 7.57 | 6.08 | 6.16 | 5.22 | 8.22 | 7.35 | 6.10 | 5.65 | 5.69 | 6.26 | — | — | 6.77 | 7.34 | — |
| — | +47.7% | +40.3% | +128.4% | +86.0% | +53.2% | -8.0% | -17.3% | +1.0% | -7.5% | +44.6% | +17.4% | — | — | -16.1% | -14.7% | — | — | -11.8% | +6.9% | — | |
| P/S Ratio | 3.33 | 3.45 | 2.88 | 3.55 | 2.97 | 2.55 | 19.60 | 1.59 | 0.90 | 2060.55 | 2.10 | 1.79 | 23.54 | 1.43 | 5.23 | 1.40 | 0.96 | 1.13 | 1.49 | 2.88 | 2.02 |
| — | +35.4% | -85.3% | +124.0% | +228.6% | -99.9% | +832.4% | -11.2% | -96.2% | +144064.7% | -59.8% | +28.0% | +2360.0% | +26.7% | +250.3% | -51.6% | -52.5% | -33.3% | -12.0% | +49.3% | +105.4% | |
| P/B Ratio | 2.15 | 2.27 | 2.02 | 2.25 | 1.88 | 1.46 | 1.33 | 0.99 | 1.14 | 1.01 | 1.24 | 0.96 | 0.92 | 0.87 | 0.82 | 0.72 | 0.59 | 0.65 | 0.76 | 0.79 | 0.91 |
| — | +55.8% | +52.0% | +128.7% | +64.6% | +44.1% | +7.0% | +2.4% | +23.7% | +15.9% | +50.3% | +34.1% | +57.1% | +34.6% | +8.5% | -8.9% | -35.7% | -17.5% | +3.8% | +8.7% | +126.5% | |
| P/FCF | 9.36 | 2880.40 | — | 10.53 | 1.73 | — | — | — | 1.06 | — | — | 1.21 | — | — | 3.20 | — | 0.93 | 0.52 | 2.66 | 1.47 | 6.06 |
| — | — | — | — | +64.0% | — | — | — | — | — | — | — | — | — | +20.5% | — | -84.6% | — | — | -30.6% | +751.8% | |
| EV / EBITDA | 6.26 | 6.75 | 6.32 | 7.34 | 9.43 | 4.91 | 5.24 | 8.62 | 2.47 | 7.98 | 2.43 | 11.42 | 5.34 | 9.77 | 3.60 | 5.75 | 0.74 | 6.04 | 2.78 | 8.46 | 4.63 |
| — | +37.4% | +20.6% | -14.8% | +281.5% | -38.4% | +115.8% | -24.5% | -53.7% | -18.3% | -32.5% | +98.7% | +624.4% | +61.7% | +29.7% | -32.0% | -84.1% | -59.9% | -55.3% | -40.0% | +1096.0% | |
| EV / EBIT | 6.84 | 7.33 | 6.88 | 8.08 | 10.35 | 5.36 | 5.70 | 9.55 | 2.71 | 8.69 | 2.69 | 12.78 | 5.94 | 10.81 | 4.01 | 6.51 | 0.82 | 7.08 | 3.16 | 9.71 | 5.26 |
| — | +36.7% | +20.8% | -15.5% | +282.6% | -38.3% | +111.6% | -25.2% | -54.5% | -19.6% | -32.9% | +96.4% | +623.9% | +52.7% | +27.1% | -33.0% | -84.4% | -63.1% | -56.8% | -39.2% | +1006.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 83.6% | 84.0% | 82.9% | 82.2% | 84.0% | 84.2% | -38.2% | 84.3% | 92.0% | -21028.6% | 83.4% | 83.5% | -131.4% | 87.6% | 52.3% | 84.6% | 87.5% | 89.6% | 88.8% | 75.0% | 88.7% |
| — | -0.2% | +316.9% | -2.5% | -8.7% | +100.4% | -145.8% | +0.9% | +170.0% | -24093.7% | +59.5% | -1.3% | -250.1% | -2.2% | -41.1% | +12.8% | -1.4% | +0.5% | +7.2% | -7.1% | +3.4% | |
| Operating Margin | 43.9% | 46.2% | 44.3% | 40.2% | 39.6% | 46.8% | 433.9% | 40.3% | 21.6% | 61742.9% | 42.1% | 39.4% | 643.4% | 39.6% | 145.0% | 39.4% | 39.1% | 28.9% | 36.2% | 61.8% | 40.2% |
| — | -1.2% | -89.8% | -0.4% | +83.4% | -99.9% | +931.4% | +2.3% | -96.6% | +155694.7% | -71.0% | -0.1% | +1545.8% | +37.3% | +300.7% | -36.1% | -2.7% | +47.9% | +12.7% | +149.9% | +5.6% | |
| Net Margin | 28.5% | 29.1% | 28.1% | 25.9% | 25.9% | 31.6% | 269.3% | 26.1% | 14.7% | 39914.3% | 26.8% | 27.7% | 398.3% | 25.3% | 90.9% | 24.1% | 24.1% | 19.3% | 21.6% | 40.2% | 24.5% |
| — | -7.7% | -89.6% | -0.9% | +76.6% | -99.9% | +905.9% | -5.7% | -96.3% | +157416.2% | -70.6% | +14.9% | +1553.5% | +31.4% | +321.9% | -40.1% | -1.6% | +59.3% | -2.4% | +43.1% | +6.8% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 17.3% | 4.9% | 4.9% | 4.1% | 4.1% | 4.6% | 4.5% | 4.2% | 4.6% | 5.0% | 4.0% | 3.8% | 3.9% | 3.9% | 3.6% | 3.1% | 3.7% | 2.8% | 2.7% | 2.7% | 2.8% |
| — | +7.4% | +7.8% | -1.6% | -10.6% | -7.6% | +14.2% | +10.1% | +17.4% | +26.7% | +9.5% | +21.6% | +5.3% | +40.4% | +32.5% | +15.3% | +33.9% | +99.7% | +13.7% | +0.8% | +19.7% | |
| ROA | 1.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.4% | 0.3% | 0.3% | 0.3% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% |
| — | -7.2% | -2.4% | -4.0% | -7.4% | -0.9% | +25.2% | +17.6% | +25.4% | +32.3% | +9.7% | +24.5% | +8.2% | +39.4% | +28.5% | +5.6% | +17.5% | +89.4% | +18.9% | +12.9% | +39.8% | |
| ROIC | 7.0% | 2.3% | 2.4% | 1.9% | 1.9% | 2.1% | 1.8% | 1.7% | 1.8% | 2.0% | 1.4% | 1.1% | 1.3% | 1.3% | 1.4% | 1.3% | 1.5% | 1.1% | 1.2% | 1.1% | 1.2% |
| — | +10.5% | +36.4% | +9.0% | +7.4% | +6.2% | +24.8% | +52.6% | +34.1% | +51.2% | -0.1% | -14.8% | -14.2% | +19.4% | +19.8% | +22.6% | +28.0% | +84.8% | +29.1% | +71.1% | +24.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.32 | 1.66 | 1.44 | 1.32 | 1.78 | 1.18 | 1.74 | 2.41 | 1.19 | 2.55 | 1.32 | 3.25 | 1.93 | 3.28 | 1.81 | 2.27 | 1.52 | 2.38 | 1.40 | 2.38 | 1.41 |
| — | +41.1% | -17.3% | -45.0% | +50.3% | -53.8% | +31.9% | -25.8% | -38.5% | -22.1% | -26.9% | +43.0% | +27.0% | +37.9% | +29.5% | -4.7% | +7.8% | +3.9% | -5.3% | +7.5% | +1.9% | |
| Debt / EBITDA | 4.61 | 20.12 | 17.04 | 18.91 | 25.93 | 16.15 | 21.83 | 34.66 | 15.90 | 30.98 | 19.21 | 54.66 | 27.54 | 49.04 | 28.33 | 39.57 | 22.77 | 49.03 | 26.60 | 49.13 | 27.25 |
| — | +24.6% | -21.9% | -45.4% | +63.1% | -47.9% | +13.6% | -36.6% | -42.2% | -36.8% | -32.2% | +38.1% | +20.9% | +0.0% | +6.5% | -19.5% | -16.4% | -38.4% | -26.4% | -41.6% | -3.8% | |
| Current Ratio | 0.44 | 0.47 | 0.44 | 0.44 | 0.27 | 0.42 | 0.39 | 0.32 | 0.26 | 0.29 | 0.29 | 0.33 | 0.27 | 0.27 | 0.29 | 0.38 | 0.32 | 0.32 | 0.32 | 0.38 | 0.41 |
| — | +11.3% | +10.6% | +35.0% | +3.0% | +46.4% | +38.4% | -1.0% | -1.5% | +6.7% | -1.1% | -14.1% | -17.4% | -16.8% | -8.7% | -1.1% | -20.7% | -34.5% | -26.7% | -26.4% | -22.4% | |
| Quick Ratio | 0.44 | 0.47 | 0.44 | 0.44 | 0.27 | 0.42 | 0.39 | 0.32 | 0.26 | 0.29 | 0.29 | 0.33 | 0.27 | 0.27 | 0.29 | 0.38 | 0.32 | 0.32 | 0.32 | 0.38 | 0.41 |
| — | +11.3% | +10.6% | +35.0% | +3.0% | +46.4% | +38.4% | -1.0% | -1.5% | +6.7% | -1.1% | -14.1% | -17.4% | -16.8% | -8.7% | -1.1% | -20.7% | -34.5% | -26.7% | -26.4% | -22.4% | |
| Interest Coverage | — | — | — | — | 0.48 | — | 0.52 | — | — | 0.47 | — | — | 0.45 | 0.57 | 0.60 | — | 0.86 | 0.74 | 1.10 | 0.96 | 1.06 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying BBVA stock.
Banco Bilbao Vizcaya Argentaria, S.A.'s current P/E is 13.2x. The average P/E over the last 4 quarters is 11.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Banco Bilbao Vizcaya Argentaria, S.A.'s current operating margin is 43.9%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Banco Bilbao Vizcaya Argentaria, S.A.'s business trajectory between earnings reports.