Banco Bilbao Vizcaya Argentaria, S.A.

NYSE•BBVA

CEO: Mr. Carlos Torres Vila

セクター: Financial Services

業種: Banks - Diversified

上場日: 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.

連絡先情報

Plaza San NicolAs, 4, Bilbao, 48005, Spain

N/A

www.bbva.com

時価総額

$133.29B

PER (TTM)

11.3

配当利回り

6.4%

52週高値

$26.20

52週安値

$13.04

52週レンジ

79%

順位51Top 71.3%

3.0

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

弱い • 3 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$11.40B+0.00%

直近4四半期の推移

EPS

$0.49+0.00%

直近4四半期の推移

フリーCF

$4.19B+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

$168.30B

-1.4%

HSBC

$147.86B

-11.2%

SMFG

$101.76B

+104.8%

粗利益率 (最新四半期)

ING

93.7%

+5.5pp

BCS

92.3%

+0.0pp

BBVA

82.2%

-51.1pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
HSBC	$312.75B	13.8	11.9%	15.3%
RY	$242.55B	15.9	15.4%	15.5%
C	$220.78B	16.1	6.7%	26.9%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

-16.0%

成長鈍化

4四半期純利益CAGR

1.3%

収益性の緩やかな改善

キャッシュフロー安定性

75%

キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月27日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし