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BBVA stock logo

BBVA

Banco Bilbao Vizcaya Argentaria, S.A.

$29.04
0.41
 (1.43%)
Exchange:  NYSE
Market Cap:  160.454B
Shares Outstanding:  2.117B
Delayed data
Calculate BBVA Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Diversified
   
CEO:  Onur Genc
Full Time Employees:  127174
Address: 
Plaza San NicolAs, 4
Bilbao
MA
48005
ES
Website:  https://www.bbva.com
Banco Bilbao Vizcaya Argentaria, S.A., established in Bilbao, Spain, in 1857, operates as a comprehensive global financial services provider through its various subsidiaries. The institution specializes in retail banking, wholesale banking, and asset management. Its extensive product offerings include everyday current accounts, a variety of deposit options such as demand, savings, overnight, time, term, and subordinated deposits, along with numerous loan products. BBVA also trades in securities and manages both pension and investment funds. Additional services encompass credit cards, corporate and investment banking solutions, insurance products, and real estate services. The bank delivers these offerings through both online and mobile digital channels. As of December 31, 2021, its physical presence was robust, featuring 6,083 branches and 29,148 ATMs. Geographically, BBVA maintains operations across Spain, Mexico, South America, the United States, Turkey, Asia, and the wider European region.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/04/30 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue58,188,00035,482,00036,930,000
Gross Profit28,966,000-6,657,00030,857,000
EBITDA13,822,00016,938,00017,748,000
Operating Income12,419,00015,405,00016,227,000
Net Income8,019,00010,054,00010,511,000

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets775,558,000772,402,000859,576,000
Total Liabilities720,293,000712,389,000797,778,000
Total Stockholders Equity51,701,00055,654,00057,357,000
Total Debt179,112,000144,427,000192,176,000
Cash and Cash Equivalents83,371,00059,881,00058,837,000

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow-721,000-18,190,000113,468,688
Capital Expenditure-1,819,000-1,195,000-794,361
Free Cash Flow-2,540,000-19,385,000112,674,327
Net Income7,674,00010,054,0009,714,828
Net Change in Cash-4,340,000-24,271,0000

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2029Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)46,492,997.382Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)49,834,603.829Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)48,516,481.634Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)16,304,783.640Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)17,476,662.701Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)17,014,406.051Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)15,570,493.504Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)17,044,541.788Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)16,463,092.388Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)12,991,017.620Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)13,924,725.290Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)13,556,417.166Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)2.760Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)2.850Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)2.610Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)13Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)4Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
89.867B  ?P/S
 (TTM)
: 
3.37
?Net Income
 (TTM)
: 
10.456B  ?P/E
 (TTM)
: 
12.86
?Enterprise Value
 (TTM)
: 
231.376B  ?EV/FCF
 (TTM)
: 
1.74
?Dividend Yield
 (TTM)
: 
3.25%  ?Payout Ratio
 (TTM)
: 
46.75%
?ROE
 (TTM)
: 
19.31%  ?ROIC
 (TTM)
: 
3.65%
?Net Debt
 (TTM)
: 
113.817B  ?Debt/Equity
 (TTM)
: 
3.44
?P/B
 (TTM)
: 
2.32  ?Current Ratio
 (TTM)
: 
0.47

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
10.90Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about BBVA valuation

Is Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is BBVA a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether BBVA trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is BBVA’s P/E ratio?

You can see BBVA’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for BBVA?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is BBVA a good long-term investment?

Whether BBVA fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

BBVA

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.43
MARKETSnap

Trading Metrics:

Open: 28.85   Previous Close: 28.63
Day Low: 28.84   Day High: 29.13
Year Low: 17.77   Year High: 29.13
Price Avg 50: 26.11   Price Avg 200: 23.44
Volume: 1.372M   Average Volume: 1.593M

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See in Nexus

Relevant news

Implied Volatility Surging for Banco Bilbao Stock Options
14-08-2026 09:56
Implied Volatility Surging for Banco Bilbao Stock Options
BBVA: Good Operating Performance, But The Valuation Is Too High
12-08-2026 05:10
BBVA: Good Operating Performance, But The Valuation Is Too High
Banco Bilbao Viscaya Argentaria Q2 Earnings Call Highlights
30-07-2026 06:05
Banco Bilbao Viscaya Argentaria Q2 Earnings Call Highlights
BBVA reshuffles leadership team, names new CFO and Mexico head
29-07-2026 13:15
BBVA reshuffles leadership team, names new CFO and Mexico head
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) Discusses Global Macro Environment and Economic Outlook for Core Markets Transcript
16-07-2026 21:26
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) Discusses Global Macro Environment and Economic Outlook for Core Markets Transcript
Banco Bilbao Viscaya Argentaria Maps Growth Risks as Spain, Mexico and Turkey Diverge
16-07-2026 21:03
Banco Bilbao Viscaya Argentaria Maps Growth Risks as Spain, Mexico and Turkey Diverge

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