/BBVA
Banco Bilbao Vizcaya Argentaria, S.A.
BBVA • NYSEBBVA • NYSE • Financial Services
$22.05+5.60%+1.17
$22.05+5.60%(+1.17)Financial Services
GoAI Score
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Valuation
50Fair Value
Sentiment
70Bullish
Risk
83Low Risk
Momentum
56Neutral
Institutional-Grade Intelligence
🏆PRO
Actionable Intelligence
AI-driven stance, execution logic & risk thresholds
Catalyst Roadmap
Event timeline with expected impact & market context
Deep Insights
Fact-checked analysis & score logic breakdown
Financial Statements
Margin Trends
Gross
83.6%▲102.3pp
Revenue after COGS
Operating
43.9%▲0.5pp
After operating expenses
Net
28.5%▲0.1pp
Bottom-line profitability
Gross Margin
Operating Margin
Net Margin
Valuation Snapshot
P/E Ratio
11.3
Price vs earnings
EV/EBITDA
6.0
Enterprise value
FCF Yield
95.1%
Cash generation
Earnings Yield
8.9%
Inverse of P/E
Capital Efficiency
8
GoAI Quality ScoreFair
ROEReturn on Equity
18.3%Strong
ROAReturn on Assets
1.2%Fair
ROICReturn on Invested Capital
4.9%Fair
Financial Health
Current RatioWeak
0.44
Short-term solvency (>1.5)
Net Debt / EBITDANet Cash
-0.68x
Debt repayment capacity (<3x)
Income QualityStrong
11.68
Cash backs earnings (>1)
Revenue & Profitability
Revenue
Net Income
Net Loss
Income Statement
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $36.93B | $35.48B | $58.19B | $40.37B | $31.32B |
| Gross Profit | $30.86B | -$6.66B | $28.97B | $24.68B | $19.97B |
| Gross Margin | 83.6% | -18.8% | 49.8% | 61.1% | 63.8% |
| Operating Income | $16.23B | $15.40B | $12.42B | $10.27B | $7.25B |
| Net Income | $10.51B | $10.05B | $8.02B | $6.36B | $4.65B |
| Net Margin | 28.5% | 28.3% | 13.8% | 15.7% | 14.9% |
| EPS | $1.69 | $1.68 | $1.29 | $0.98 | $0.67 |
Rating Distribution
Strong Buy
0
0%
Buy
7
54%
Hold
4
31%
Sell
2
15%
Strong Sell
0
0%
Recent Analyst Ratings
FirmActionRatingDate
Barclays▲ Upgrade
Equal Weight→Overweight
2025-08-07Berenberg▲ Upgrade
Sell→Hold
2021-08-13Berenberg▲ Upgrade
Sell→Hold
2021-08-12Barclays▼ Downgrade
Overweight→Equal Weight
2021-03-04Barclays▼ Downgrade
Overweight→Equal Weight
2021-03-03Jefferies▲ Upgrade
Hold→Buy
2021-02-25Jefferies▲ Upgrade
Hold→Buy
2021-02-24Jefferies▼ Downgrade
Buy→Hold
2016-11-09Jefferies▼ Downgrade
Buy→Hold
2016-11-08RBC Capital▲ Upgrade
Sector Perform→Outperform
2016-10-19Earnings History & Surprises
BEAT RATE
71%
Last 17 quarters
AVG SURPRISE
+18.5%
EPS vs Estimate
BEATS / MISSES
12/2
3 met exactly
LATEST EPS
$0.50
Q1 '26
QUARTERLY EPS TREND
Estimated
Beat
Miss
QUARTERLY DETAIL
Q1 '26
$0.50 vs $0.50
Q4 '25
+2.1%
$0.49 vs $0.48
Q3 '25
+10.6%
$0.52 vs $0.47
Q2 '25
$0.47 vs $0.47
Q1 '25
No data
Q4 '24
+9.0%
$0.52 vs $0.48
Q3 '24
+6.3%
$0.56 vs $0.52
Q2 '24
+2.8%
$0.39 vs $0.38
Q1 '24
-2.7%
$0.39 vs $0.40
Q4 '23
$0.38 vs $0.38
Q3 '23
+5.9%
$0.36 vs $0.34
Q2 '23
+0.7%
$0.31 vs $0.31
No investor questions available.
Latest News
No news available