Banco Bilbao Vizcaya Argentaria, S.A.

NYSE•BBVA

CEO: Mr. Carlos Torres Vila

板块: Financial Services

行业: Banks - Diversified

上市日期: 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.

联系方式

Plaza San NicolAs, 4, Bilbao, 48005, Spain

N/A

www.bbva.com

市值

$133.29B

市盈率 (TTM)

11.3

股息率

6.4%

52周最高

$26.20

52周最低

$13.04

52周范围

79%

排名51Top 71.3%

3.0

F-Score

改良版 Piotroski 分析

基于 10 年期基本面

疲弱 • 3 / 9 分

评分区间 (0-9)

8-9: 价值优异

6-7: 基本面强劲

4-5: 整体稳健

0-3: 表现疲弱

数据范围: 2016-2025

财务仪表盘

Q4 2025 数据

营业收入

$11.40B+0.00%

近4季度走势

每股收益

$0.49+0.00%

近4季度走势

自由现金流

$4.19B+0.00%

近4季度走势

2025 Annual 财报亮点

核心亮点

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.

关注风险

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.

前瞻展望

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.

同行对比

营业收入 (TTM)

$168.30B

-1.4%

HSBC

$147.86B

-11.2%

SMFG

$101.76B

+104.8%

毛利率 (最新季度)

ING

93.7%

+5.5pp

BCS

92.3%

+0.0pp

BBVA

82.2%

-51.1pp

关键指标

股票代码	市值	市盈率 (TTM)	净资产收益率 (TTM)	负债率
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%

长期趋势

近4季度

营业收入

净利润

经营现金流

4季度营收复合增长率

-16.0%

增长承压

4季度净利润复合增长率

1.3%

盈利能力缓慢改善

现金流稳定性

75%

现金流波动较大

深度研究

下次财报:2026年4月27日

每股收益:-

营业收入:-

财务数据

电话会议

财务报告

新闻

利润表

资产负债表

现金流量表

财务比率

变化率

利润表	过去12个月

无数据