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Banco Bilbao Vizcaya Argentaria, S.A.

Banco Bilbao Vizcaya Argentaria, S.A.

NYSE•BBVA
CEO: Mr. Carlos Torres Vila
Sector: Financial Services
Industry: Banks - Diversified
Listing Date: 1988-12-15
Banco Bilbao Vizcaya Argentaria, S.A. provides retail banking, wholesale banking, and asset management services in the United States, Spain, Mexico, Turkey, South America, and internationally. The company offers savings account, demand deposits, and time deposits; and loan products, such as residential mortgages, other households, credit card loans, loans to enterprises and public sector, as well as consumer finance. It provides insurance and asset management business, including corporate, commercial, SME, payment systems, retail, private and investment banking, pension and life insurance, leasing, factoring, and brokerage. The company provides its products through online and mobile channels. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.
Contact Information
Plaza San NicolAs, 4, Bilbao, 48005, Spain
N/A
www.bbva.com
Market Cap
$134.75B
P/E (TTM)
10.5
15.1
Dividend Yield
3.5%
52W High
$22.38
52W Low
$9.44
52W Range
100%
Rank54Top 66.0%
3.1
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 3.1 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$20.93B+105.36%
4-Quarter Trend

EPS

$0.49-4.54%
4-Quarter Trend

FCF

$19.58B+9.33%
4-Quarter Trend

2024 Annual Earnings Highlights

Key Highlights

Strong Profit Growth 2024 Profit attributable to parent company reached €10,054 M, a 25.4% increase year-over-year, driven by higher yields and volumes across key regions.
Net Interest Income Rises NII grew 9.4% to €25,267 M; Net Interest Margin improved to 3.30% as asset yields benefited from the elevated interest rate environment.
Asset Quality Shows Strength NPL ratio decreased to 3.0% (from 3.4% in 2023). Allowance coverage ratio improved to 2.56% of total loans outstanding.
Capital Ratios Remain Strong Fully loaded CET1 ratio stood at 12.88% at year-end 2024, maintaining a management buffer above the 9.13% minimum requirement.

Risk Factors

Macroeconomic Geopolitical Exposure Deterioration in Spain, Mexico, and Turkey economic/political conditions poses material adverse effects on operations and asset quality.
Inflation and Interest Rate Risk Persistent high inflation and interest rates could increase borrower default rates and negatively affect net interest margin going forward.
Increasing Digital Competition Rise of neobanks and BigTechs erodes competitive position, requiring substantial investment in technology and digital adaptation.
Legal and Regulatory Scrutiny Group faces ongoing legal/regulatory actions, including Spanish bribery investigation, potentially leading to fines or reputational harm.

Outlook

Interest Rate Easing Outlook Expected ECB interest rate cuts in 2025 may temper funding cost increases but could reduce net interest income growth pace.
Digital Strategy Focus Continues Group remains focused on digital offering improvements and successfully integrating the proposed acquisition of Banco de Sabadell.
Stable Credit Quality Expected Credit quality outlook stable, though regional pressures exist in emerging markets; impairment estimates incorporate forward-looking macroeconomic scenarios.
Adapting to New Capital Rules Preparing for CRR III implementation starting January 1, 2025, ensuring capital levels remain above evolving regulatory requirements.

Peer Comparison

Revenue (TTM)

Citigroup Inc.C
$168.35B
-1.6%
HSBC Holdings plcHSBC
$116.31B
-44.8%
Royal Bank of CanadaRY
$98.07B
+2.1%

Gross Margin (Latest Quarter)

Barclays PLCBCS
100.0%
+0.0pp
ING Groep N.V.ING
94.4%
+0.1pp
Banco Santander, S.A.SAN
79.9%
-0.4pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
HSBC$254.58B13.89.9%0.0%
RY$232.04B15.715.1%35.4%
C$206.67B13.86.9%27.3%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
33.7%
Strong Growth
4Q Net Income CAGR
4.5%
Profitability Slowly Improving
Cash Flow Stability
50%
Cash Flow Needs Attention

Research & Insights

Next earnings:Jan 29, 2026
|
EPS:$0.43
|
Revenue:-
Reports
All Years

  • Form 20-F - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 21, 2025|
    Revenue: $34.15B+16.2%
    |
    EPS: $1.82+30.2%
    Beat

  • Form 20-F - FY 2023

    Period End: Dec 31, 2023|Filed: Mar 1, 2024|
    Revenue: $29.38B+18.2%
    |
    EPS: $1.40+31.6%
    Beat

  • Form 20-F - FY 2022

    Period End: Dec 31, 2022|Filed: Mar 6, 2023|
    Revenue: $24.15B+23.5%
    |
    EPS: $1.03+46.3%
    Beat

  • Form 20-F - FY 2021

    Period End: Dec 31, 2021|Filed: Mar 4, 2022|
    Revenue: $21.99B-38.1%
    |
    EPS: $0.79+378.6%
    Beat

  • Form 20-F - FY 2020

    Period End: Dec 31, 2020|Filed: Feb 26, 2021|
    Revenue: $34.29B+22.1%
    |
    EPS: $0.16-70.2%
    Miss