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

$124.98B

P/E (TTM)

11.0

Dividend Yield

3.5%

52W High

$26.20

52W Low

$11.59

52W Range

71%

Rank51Top 71.3%

3.0

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 3 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$11.40B+0.00%

4-Quarter Trend

EPS

$0.49+0.00%

4-Quarter Trend

FCF

$4.19B+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Parent Profit Rises 4.5% Profit attributable to parent company increased 4.5% to €10.51B, driven by 4.0% growth in Net Interest Income to €26.28B.

Capital Ratio Maintained CET1 fully loaded ratio stood at 12.70% as of December 31, 2025, maintaining buffers above minimum requirements.

Asset Quality Improves Slightly Allowance for credit losses to total loans decreased to 2.43%. Total impaired loans saw a minor 0.9% increase year-over-year.

Segment Performance Varied Spain profit grew 11.3%, Turkey profit surged 31.8%, while Mexico profit declined 3.4% due to adverse currency effects.

Risk Factors

Geopolitical and Economic Exposure Significant asset exposure remains concentrated in Spain (53.1%), Mexico, and Turkey, vulnerable to local economic deterioration.

Interest Rate and Inflation Volatility Uncertainty in global economic policies and inflation trends could negatively impact NIM, credit quality, and funding costs.

Intensifying Digital Competition Increasing competition from non-bank digital providers and BigTechs challenges the Group's competitive position and business model.

Evolving Regulatory Landscape Evolving ESG and regulatory requirements, including CRR III implementation, increase compliance complexity and operational costs.

Outlook

NIM Sensitivity to Rates Future NIM highly dependent on interest rate evolution; persistence of high rates may increase NPLs and slow credit demand.

Credit Cost Forecasts Credit risk costs are expected to rise across geographies due to worsening macroeconomic forecasts, requiring higher impairment provisions.

Focus on Digital Transformation Strategy emphasizes continued investment in technology, AI, and digital banking capabilities to enhance customer experience and efficiency.

Capital Management Focus Capital allocation remains optimal, focusing on regulatory compliance, risk appetite alignment, and efficient resource deployment.

Peer Comparison

Revenue (TTM)

$168.30B

-1.4%

HSBC

$147.86B

-11.2%

SMFG

$101.76B

+104.8%

Gross Margin (Latest Quarter)

BCS

97.5%

+0.0pp

ING

93.7%

+5.5pp

BBVA

82.2%

-51.1pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
HSBC	$295.08B	13.2	11.9%	15.3%
RY	$231.53B	14.9	15.4%	15.5%
MUFG	$201.70B	16.2	9.3%	18.1%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

-16.0%

Growth Under Pressure

4Q Net Income CAGR

1.3%

Profitability Slowly Improving

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:Apr 27, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data