Banco Bilbao Vizcaya Argentaria, S.A.

Banco Bilbao Vizcaya Argentaria, S.A.

BBVA
Banco Bilbao Vizcaya Argentaria, S.A.US flagNew York Stock Exchange
29.51
USD
-0.13
- -
163.05BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
4.17
3.87
3.82
3.76
3.87
3.36
3.11
3.35
3.59
4.53
5.61
6.8
6.86
6.93
Basic EPS, GAAP
0.37
0.44
0.39
0.5
0.53
0.77
0.47
0.2
0.73
1.03
1.35
1.74
1.83
1.89
Free Cash Flow per Basic Share
-0.41
-1.36
3.01
0.67
0.06
1.7
-1.61
5.75
-0.34
3.44
-0.43
-3.5
2.29
3.61
Dividend per Share
0.32
0.14
0.13
0.23
0.26
0.3
0.29
0.16
0.14
0.35
0.47
0.68
0.73
0.31
Book Value per Share
7.3
8.01
7.47
7.22
6.96
7.12
7.32
6.7
6.71
7.78
8.86
9.67
10.08
10.63
Tangible Book Value per Share
6.13
6.81
5.89
5.73
5.69
5.86
6.27
6.34
6.38
7.43
8.45
9.24
9.58
10.07
Basic Weighted Avg Shares
5,570
5,950
6,774
6,950
6,642
7,005
7,472
6,654
6,401
6,189
5,954
5,769
5,748
5,873
Sales/Revenue/Turnover
23,228
23,004
25,875
26,147
25,730
23,571
23,270
22,271
22,996
28,065
33,427
39,235
39,415
40,731
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1,099
1,145
1,272
1,426
1,387
1,034
1,386
1,288
1,234
1,328
1,403
1,533
1,521
1,606
Net Income, GAAP
2,084
2,618
2,642
3,475
3,514
5,400
3,512
1,305
4,653
6,358
8,019
10,054
10,511
11,115
Effective Tax Rate (%)
- -
22.56
27.68
26.58
31.37
26.99
27.58
27.8
26.34
34.14
32.23
31.35
31.43
32.14
Profit Margin (%)
8.97
11.38
10.21
13.29
13.66
22.91
15.09
5.86
20.23
22.65
23.99
25.63
26.67
27.29
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
74,676
72,191
82,268
76,609
63,916
63,972
71,953
68,985
61,719
60,116
74,192
75,930
89,075
106,155
Total Equity
44,565
51,610
55,283
55,428
53,322
52,871
54,926
50,018
48,760
50,518
55,265
60,013
61,796
63,792
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
4.99
5.74
5.48
7.34
7.5
11.56
7.33
2.8
10.52
14
16.27
18.73
18.6
19.2

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
227
- -
- -
LT Borrowings
87,839
87,564
106,155
LT Finance Leases
1,236
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5,691
5,634
5,544
Market Capitalization
112,946
105,627
121,607

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
128,248
142,055
170,720
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
23,738
- -
- -
ST Debt
227
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
1.26%
4.41%
2.97%
Free Cash Flow
148.69%
-151.98%
-165.16%
Net Income, GAAP
33.78%
69.85%
4.55%
Sales/Revenue/Turnover
4.77%
12.45%
0.46%
Total Cash Common Dividend
26.17%
39.6%
7.23%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
8,219
9,226
9,320
9,320
39,235
2025
9,324
8,710
9,778
9,795
39,415
2026
10,652
10,506
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.38
0.47
0.44
0.4
1.74
2025
0.47
0.46
0.42
0.42
1.83
2026
0.53
0.53
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
0.38
- -
- -
0.68
2025
- -
- -
- -
0.3
0.73
2026
- -
- -
- -
- -
- -

Company Description

CEO
Onur Genc
Full Time Employees
127,174
Sector
Financial Services
Industry
Banks - Diversified
Address
Plaza San NicolAs, 4 Bilbao MA Spain 48005
IPO Date
Dec 15, 1988
Website
bbva.com
Business
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is a leading global financial group headquartered in Madrid, Spain, primarily engaged in retail banking, corporate and investment banking, asset management, and insurance services. Its main products and services include commercial banking for individuals and businesses; mortgages; consumer loans; credit and debit cards; payment services; wealth management and private banking; investment products; insurance; and global transaction banking including treasury and cash management services. BBVA also offers specialized financing solutions in project finance, real estate finance, structured finance, and fund finance, serving diverse sectors and client segments across Europe, Latin America, and the United States. Founded in 1999 through the merger of Banco Bilbao Vizcaya and Argentaria, BBVA operates with a significant presence in Spain and Mexico, where it holds strong market positions. It has expanded its footprint across South America and the United States, supported by a robust digital transformation strategy aimed at innovative banking services and sustainability initiatives. In the last 1-2 years, BBVA has strategically raised its sustainable finance commitment, launching a new target to channel €700 billion into sustainable business activities from 2025 to 2029, more than doubling its previous €300 billion target for the 2018-2025 period, emphasizing climate change mitigation, social inclusion, and natural capital preservation. The bank also reported record financial results in 2025, driven by growth in net interest income and fees, and reached its highest net profit ever of €10.05 billion, marking a 25% increase year-on-year. BBVA continues to advance its digital banking services, sustainable finance focus, and expanded corporate banking offerings, reinforcing its position as a leading banking institution with a clear emphasis on growth, efficiency, and sustainability leadership. BBVA’s 2025-2029 strategic cycle prioritizes customer-centricity, long-term value creation, broad business segment growth, and sustainability as fundamental pillars, alongside enhanced capital and risk management. The bank supports enterprises across all developmental stages, reinforcing its global treasury and cash management leadership, while fostering innovation in digital tools for retail and corporate clients across its main markets in Spain, Mexico, South America, and the U.S. This profile captures BBVA’s comprehensive banking solutions, its sustained financial performance, and its significant strategic shifts towards sustainable finance and digital transformation aimed at consolidating its competitive advantage in the evolving global financial landscape.

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