A Business at a Glance
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ITEM 4. INFORMATION ON THE COMPANY A. History and Development of the Company BBVA’s predecessor bank, BBV (Banco Bilbao Vizcaya), was incorporated as a public limited company (a “sociedad anónima” or S.A.) under the Spanish Corporations Law on October 1, 1988. BBVA was formed following the merger of Argentaria into BBV (Banco Bilbao Vizcaya), which was approved by the shareholders of each entity on December 18, 1999 and registered on January 28, 2000. It conducts its business under the commercial name “BBVA”. BBVA is registered with the Commercial Registry of Vizcaya (Spain). It has its registered office at Plaza de San Nicolás 4, Bilbao, Spain, 48005, and operates out of Calle Azul, 4, 28050, Madrid, Spain (Telephone: +34-91-374-6201). BBVA’s agent in the U.S. for U.S. federal securities law purposes is Banco Bilbao Vizcaya Argentaria, S.A. New York Branch (Two Manhattan West 375 9th Avenue, 8th Floor, New York, New York 10001 (Telephone: +1-212-728-1660)).
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 66.1B | 66.1B | 66.6B | 52.0B | 33.1B | 27.2B |
| Net Income | 12.6B | 12.6B | 11.4B | 9.1B | 7.1B | 6.6B |
| EPS | $2.22 | $2.22 | $2.02 | $1.56 | $1.15 | $0.83 |
| Free Cash Flow | 16.0B | 16.0B | -20.9B | -2.0B | 23.1B | -1.9B |
| ROIC | 374.1% | 18.3% | 18.3% | 15.9% | 13.6% | 11.4% |
| Gross Margin | 63.3% | 63.3% | 57.5% | 61.7% | 78.7% | 91.5% |
| Debt/Equity | 0.00 | 12.91 | 11.87 | 13.03 | 13.10 | 12.59 |
| Dividends/Share | $0.84 | $0.84 | $0.75 | $0.52 | $0.37 | $0.14 |
| Operating Income | 18.3B | 18.3B | 16.6B | 13.5B | 11.0B | 8.8B |
| Operating Margin | 27.7% | 27.7% | 24.9% | 26.0% | 33.3% | 32.5% |
| ROE | 18.0% | 18.3% | 18.3% | 15.9% | 13.6% | 11.4% |
| Shares Outstanding | 5,678M | 5,678M | 5,654M | 5,860M | 6,198M | 8,010M |
BANCO BILBAO VIZCAYA ARGENTARIA, S.A. passes 6 of 9 quality checks, suggesting mixed fundamentals.
BANCO BILBAO VIZCAYA ARGENTARIA, S.A. trades at 10.1x trailing earnings, compared to its 15-year median P/E of 5.5x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 8.0x vs a median of 3.5x. The company's 5-year average ROIC is 15.5% with a gross margin of 70.6%. Total shareholder yield (dividends + buybacks) is 5.3%. At current prices, the estimated annualized return to fair value is -10.2%.
BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (BBVA) has a current P/E ratio of 10.1, compared to its historical median P/E of 5.5. The stock is currently considered Expensive based on its historical valuation range.
BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (BBVA) has a 5-year average return on invested capital (ROIC) of 15.5%. This indicates strong capital allocation and a potential competitive advantage.
BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (BBVA) has a market capitalization of $133.0B. It is classified as a large-cap stock.
Yes, BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (BBVA) pays a dividend with a trailing twelve-month yield of 3.57%. The company also returns capital through share buybacks, with a buyback yield of 1.70%.
Based on historical P/E analysis, BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (BBVA) appears expensive. The current P/E of 10.1 is 83% above its historical median of 5.5. The estimated fair value CAGR (P/E method) is 21.2%.
BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (BBVA) operates in the Commercial Banks, Nec industry, within the Financials sector.
BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (BBVA) reported annual revenue of $66.1 billion in its most recent fiscal year, based on SEC EDGAR filings.
BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (BBVA) has a net profit margin of 19.1%. This is a healthy margin.
BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (BBVA) generated $16.0 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (BBVA) has a debt-to-equity ratio of 12.91. This indicates higher leverage, which may increase financial risk.
BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (BBVA) reported earnings per share (EPS) of $2.22 in its most recent fiscal year.
BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (BBVA) has a return on equity (ROE) of 18.3%. This indicates the company generates strong returns for shareholders.
BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (BBVA) has a 5-year average gross margin of 70.6%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 11 years of financial data for BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (BBVA), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (BBVA) has a book value per share of $12.32, based on its most recent annual SEC filing.
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