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Banco Bilbao Vizcaya Argentaria, S.A. logo

Banco Bilbao Vizcaya Argentaria, S.A.

BBVA

NYSEFinancial ServicesBanks - Diversified

Open in GoAI

Previous close

$29.04

+$0.41 · +1.43%

Aug 21, 4:00 PM ET

BBVA company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

70

Undervalued

Momentum

58

Neutral

Sentiment

59

Mixed

Risk resilience

76

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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Company profile

Company website

Banco Bilbao Vizcaya Argentaria, S.A., established in Bilbao, Spain, in 1857, operates as a comprehensive global financial services provider through its various subsidiaries. The institution specializes in retail banking, wholesale banking, and asset management. Its extensive product offerings include everyday current accounts, a variety of deposit options such as demand, savings, overnight, time, term, and subordinated deposits, along with numerous loan products. BBVA also trades in securities and manages both pension and investment funds. Additional services encompass credit cards, corporate and investment banking solutions, insurance products, and real estate services. The bank delivers these offerings through both online and mobile digital channels. As of December 31, 2021, its physical presence was robust, featuring 6,083 branches and 29,148 ATMs. Geographically, BBVA maintains operations across Spain, Mexico, South America, the United States, Turkey, Asia, and the wider European region.

Industry
Banks - Diversified
Sector
Financial Services
Headquarters
ES
CEO
Onur Genc
Listed since
Dec 15, 1988
Employees
127,174

Market position

Day range

Current $29.04

52-week range

Current $29.04

Open
$28.845
Previous close
$28.63
Volume
1.37M
0.86× average
Average volume
1.59M
Average daily volume
Market cap
160.45B USD
Beta
0.89
Market reference 1
50-day average
$26.2534
+10.61% above average
200-day average
$23.4809
+23.68% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
106.37B EUR
EV / EBITDA
5.99×
Earnings yield
8.87%
Free cash flow yield
11.11%

Profitability & efficiency

Return on equity
18.33%
Return on assets
1.22%
Return on invested capital
4.91%

Financial health

Current ratio
0.44×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends94%53%12%-29%Gross margin, FY2021: 63.76%Gross margin, FY2022: 61.12%Gross margin, FY2023: 49.78%Gross margin, FY2024: -18.76%Gross margin, FY2025: 83.56%Operating margin, FY2021: 23.14%Operating margin, FY2022: 25.43%Operating margin, FY2023: 21.34%Operating margin, FY2024: 43.42%Operating margin, FY2025: 43.94%Net margin, FY2021: 14.85%Net margin, FY2022: 15.75%Net margin, FY2023: 13.78%Net margin, FY2024: 28.34%Net margin, FY2025: 28.46%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 63.76%. Gross margin FY2022 61.12%. Gross margin FY2023 49.78%. Gross margin FY2024 -18.76%. Gross margin FY2025 83.56%. Operating margin FY2021 23.14%. Operating margin FY2022 25.43%. Operating margin FY2023 21.34%. Operating margin FY2024 43.42%. Operating margin FY2025 43.94%. Net margin FY2021 14.85%. Net margin FY2022 15.75%. Net margin FY2023 13.78%. Net margin FY2024 28.34%. Net margin FY2025 28.46%.

Income trends

Revenue

36.93B EUR+4.08%

Operating income

16.23B EUR+5.34%

Net income

10.51B EUR+4.55%
Income trends across reported periods63.54B EUR42.13B EUR20.71B EUR−700.5M EURRevenue, FY2021: 31.32B EURRevenue, FY2022: 40.37B EURRevenue, FY2023: 58.19B EURRevenue, FY2024: 35.48B EURRevenue, FY2025: 36.93B EUROperating income, FY2021: 7.25B EUROperating income, FY2022: 10.27B EUROperating income, FY2023: 12.42B EUROperating income, FY2024: 15.41B EUROperating income, FY2025: 16.23B EURNet income, FY2021: 4.65B EURNet income, FY2022: 6.36B EURNet income, FY2023: 8.02B EURNet income, FY2024: 10.05B EURNet income, FY2025: 10.51B EURFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 31.32B EUR. Revenue FY2022 40.37B EUR. Revenue FY2023 58.19B EUR. Revenue FY2024 35.48B EUR. Revenue FY2025 36.93B EUR. Operating income FY2021 7.25B EUR. Operating income FY2022 10.27B EUR. Operating income FY2023 12.42B EUR. Operating income FY2024 15.41B EUR. Operating income FY2025 16.23B EUR. Net income FY2021 4.65B EUR. Net income FY2022 6.36B EUR. Net income FY2023 8.02B EUR. Net income FY2024 10.05B EUR. Net income FY2025 10.51B EUR.
Metric (EUR)FY2025FY2024FY2023FY2022FY2021
Revenue36.93B EUR35.48B EUR58.19B EUR40.37B EUR31.32B EUR
Cost of goods sold6.07B EUR42.14B EUR29.22B EUR15.7B EUR11.35B EUR
Gross profit30.86B EUR−6.66B EUR28.97B EUR24.68B EUR19.97B EUR
Selling, general, and administrative12.81B EUR12.66B EUR10.98B EUR9.47B EUR8.46B EUR
Operating expenses14.63B EUR−22.06B EUR16.55B EUR14.41B EUR12.72B EUR
Interest income26.28B EUR25.27B EUR47.85B EUR31.43B EUR23.01B EUR
Interest expense—36.39B EUR24.76B EUR12.31B EUR8.33B EUR
Depreciation and amortization1.52B EUR1.53B EUR1.4B EUR1.33B EUR1.23B EUR
Operating income16.23B EUR15.41B EUR12.42B EUR10.27B EUR7.25B EUR
Net income10.51B EUR10.05B EUR8.02B EUR6.36B EUR4.65B EUR

Company facts updated Aug 24, 2026.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

13 ratings
Strong buy00%
Buy754%
Hold538%
Sell18%
Strong sell00%

Recent analyst actions

2 institutions
UBSdowngradeBuyNeutral
BarclaysupgradeEqual WeightOverweight

BBVA news

defenseworld.net

Royal Financial (OTCMKTS:RYFL) & Banco Bilbao Viscaya Argentaria (NYSE:BBVA) Financial Review

Banco Bilbao Viscaya Argentaria (NYSE: BBVA - Get Free Report) and Royal Financial (OTCMKTS:RYFL - Get Free Report) are both finance companies, but which is the superior business? We will contrast the two companies based…

Read source
zacks.com

Implied Volatility Surging for Banco Bilbao Stock Options

Investors need to pay close attention to BBVA stock based on the movements in the options market lately.

Read source
seekingalpha.com

BBVA: Good Operating Performance, But The Valuation Is Too High

Banco Bilbao Vizcaya Argentaria, S.A. delivered robust Q2 2026 results, driven by strong loan and revenue growth across key markets. BBVA's net interest income rose 23% YoY, with notable contributions from Spain and…

Read source
seekingalpha.com

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) Q2 2026 Earnings Call Transcript

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) Q2 2026 Earnings Call Transcript

Read source
marketbeat.com

Banco Bilbao Viscaya Argentaria Q2 Earnings Call Highlights

Banco Bilbao Viscaya Argentaria NYSE: BBVA reported record second-quarter earnings, supported by loan growth, higher core revenues and improved capital generation, while announcing a new €2 billion extraordinary share…

Read source
wsj.com

BBVA Raises Profitability Outlook, Plans $2.3 Billion Buyback

The Spanish bank said that it now expects a return on tangible equity of around 21% this year, up from more than 20% previously.

Read source

Corporate actions

Corporate action history

Stock split

Effective Apr 11, 2012

48:47

Stock split

Effective Mar 29, 2011

60:59

Stock split

Effective Apr 7, 2009

10,161:10,000

Stock split

Effective Jul 14, 1998

3:1

Stock split

Effective Jul 22, 1997

3:1

BBVA peers

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Bank of America Corporation logo

BAC

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$61.69

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ETFs holding BBVA

Funds reporting this stock among their holdings, ordered by reported position size.

Schwab International Equity ETF logoSchwab International Equity ETFSCHF
Market value
371.25M
Weight
0.53%
AUM
69.7B USD
Expense ratio
0.03%
Price / 1D
$28.46+0.85%
State Street SPDR Portfolio Developed World ex-US ETF logoState Street SPDR Portfolio Developed World ex-US ETFSPDW
Market value
202.58M
Weight
0.48%
AUM
41.92B USD
Expense ratio
0.03%
Price / 1D
$52.02+0.79%
Schwab Fundamental International Large Company Index ETF logoSchwab Fundamental International Large Company Index ETFFNDF
Market value
133.62M
Weight
0.51%
AUM
26.15B USD
Expense ratio
0.25%
Price / 1D
$55.84+0.83%
Avantis International Equity ETF logoAvantis International Equity ETFAVDE
Market value
116.19M
Weight
0.61%
AUM
19.1B USD
Expense ratio
0.23%
Price / 1D
$94.26+0.87%
Dimensional - International Core Equity 2 ETF logoDimensional - International Core Equity 2 ETFDFIC
Market value
72.67M
Weight
0.47%
AUM
15.43B USD
Expense ratio
0.22%
Price / 1D
$39.405+0.83%
Dimensional - International Core Equity Market ETF logoDimensional - International Core Equity Market ETFDFAI
Market value
54.43M
Weight
0.30%
AUM
18.23B USD
Expense ratio
0.18%
Price / 1D
$43.35+0.81%
Avantis International Large Cap Value ETF logoAvantis International Large Cap Value ETFAVIV
Market value
52.7M
Weight
2.54%
AUM
2.09B USD
Expense ratio
0.25%
Price / 1D
$83.50+0.81%
Amplify CWP International Enhanced Dividend Income ETF logoAmplify CWP International Enhanced Dividend Income ETFIDVO
Market value
35.92M
Weight
2.53%
AUM
1.42B USD
Expense ratio
0.65%
Price / 1D
$43.27+1.24%

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