Banco Bilbao Vizcaya Argentaria, S.A.

NYSE•BBVA

執行長: Mr. Carlos Torres Vila

板塊: Financial Services

行業: 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.

聯絡資訊

Plaza San NicolAs, 4, Bilbao, 48005, Spain

N/A

www.bbva.com

市值

$126.26B

本益比 (TTM)

10.8

14.8

股息率

3.6%

52周最高

$26.20

52周最低

$11.59

52周範圍

72%

排名51Top 71.3%

3.0

F-Score

改良版 Piotroski 分析

基於 10 年期基本面

疲弱 • 3 / 9 分

評分區間 (0-9)

8-9: 價值優異

6-7: 基本面強勁

4-5: 整體穩健

0-3: 表現疲弱

資料區間: 2016-2025

財務儀表板

Q4 2025 數據

營業收入

$11.40B+0.00%

近4季度走勢

每股收益

$0.49+0.00%

近4季度走勢

自由現金流

$116.69B+0.00%

近4季度走勢

2025 Annual 財報亮點

核心亮點

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.

關注風險

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.

未來展望

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.

同行對比

營業收入 (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

關鍵指標

股票代碼	市值	本益比 (TTM)	股東權益報酬率 (TTM)	負債率
HSBC	$299.50B	13.2	11.9%	15.3%
RY	$233.15B	15.1	15.4%	15.5%
MUFG	$199.50B	16.3	9.3%	19.3%

長期趨勢

近4季度

營業收入

淨利

營運現金流

4季度營業收入複合增長率

-16.0%

增長承壓

4季度淨利複合增長率

1.3%

盈利能力緩慢提升

現金流穩定性

75%

現金流波動較大

深度研究

下次財報:2026年4月27日

每股收益:-

營業收入:-

財務數據

電話會議

財務報告

新聞

損益表

資產負債表

現金流量表

財務比率

變化率

損益表	過去12個月

無資料