Banco Bilbao Vizcaya Argentaria, S.A.

Banco Bilbao Vizcaya Argentaria, S.A.

BVA.L
Banco Bilbao Vizcaya Argentaria, S.A.GB flagLondon Stock Exchange
22.75
EUR
+0.65
- -
126.76BMarket Cap
Banco Bilbao Vizcaya Argentaria, S.A.
BVA.L
(London Stock Exchange)

Recent

price

22.75

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
5.17
4.57
4.22
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
6.61
Revenue per Share
1.08
0.65
0.32
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
1.83
Basic EPS, GAAP
1.64
3.29
1.39
-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
3.6
Free Cash Flow per Basic Share
0.29
0.22
0.24
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
Dividend per Share
1.6
1.17
0.83
0.88
0.95
4.18
4.11
4.6
4.96
4.84
5.27
6.21
6.79
7.91
9.29
10.38
12.7
Book Value per Share
6.91
7.16
6.97
6.79
7.44
6.68
6.57
6.75
6.36
6.42
7.17
7.27
7.81
8.89
9.97
10.25
9.83
Tangible Book Value per Share
4,264
4,635
5,238
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
5,889
Basic Weighted Avg Shares
22,032
21,166
22,078
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
38,935
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
761
810
978
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
1,560
Depreciation Expense
4,606
3,004
1,676
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
10,802
Net Income, GAAP
22.2
4.65
- -
- -
22.56
27.68
26.58
31.37
26.99
27.58
27.8
26.34
34.14
32.23
31.35
31.43
31.14
Effective Tax Rate (%)
20.91
14.19
7.59
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
27.74
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
102,599
96,427
98,070
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
87,564
LT Debt
37,475
40,058
43,661
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
60,804
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
71.67
49.19
34.37
44.99
49.58
15.54
12.22
11.9
16.55
9.91
3.66
12.43
15.55
17.99
19.97
18.57
10.96
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
227
- -
LT Borrowings
82,667
87,839
87,564
LT Finance Leases
1,430
1,236
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5,755
5,691
5,634
Market Capitalization
99,146
118,394
110,118

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
125,115
128,248
142,055
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
23,110
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
- -
- -
- -
- -

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
1.83
2026
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
- -
- -
- -
- -
- -
Business
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) operates as a multinational financial services group providing retail banking, wholesale banking, corporate and investment banking, asset management, and insurance products and services; core offerings include savings accounts, demand deposits, time deposits, residential mortgages, consumer loans, credit cards, enterprise and public sector loans, payment systems, pension and life insurance, leasing, factoring, brokerage, global markets, corporate finance, transaction banking, project finance, M&A advisory, investment funds, pension plans, discretionary portfolio management, and wealth planning services, delivered primarily through digital channels including mobile banking apps. Founded in 1857 as Banco de Bilbao in Bilbao, Spain, where it maintains its registered headquarters, BBVA conducts operations across more than 25 countries with a strong presence in Spain (its second-largest bank), Mexico (its largest financial institution), Turkey, South America, the United States, continental Europe, and Asia; the group serves individuals, SMEs, self-employed professionals, large corporations, multinational companies, high-net-worth individuals, and institutional investors, emphasizing digital transformation with over 70% of active customers (totaling 77.2 million) engaging via mobile platforms and more than 55 million digital customers. Recent developments include the launch of its 2025-2029 strategic plan under the purpose "Support your drive to go further," prioritizing client-centric hyper-personalization via AI, sustainability as a growth engine with €300 billion in sustainable business mobilized ahead of schedule, scaling enterprise segments including SMEs and corporates through integrated Corporate & Investment Banking (CIB) and Business & Enterprise Banking (BEI), value creation via balance sheet optimization and high-margin businesses like insurance and payments, AI and next-gen tech adoption including 3,000 ChatGPT Enterprise licenses, and team empowerment; BBVA reported record 2024 net attributable profit of €10.05 billion (up 25% year-over-year) with RO TE of 20%, proposes a €0.70 per share cash dividend (up 27%) plus €993 million share buyback, advanced its proposed merger with Banco Sabadell for enhanced scale amid European banking consolidation, expanded BBVA Spark venture debt financing with deals like €50 million to Sesame (HR software), €25 million to Exoticca (travel tech), €25 million to roadsurfer (Germany), first growth capital in Finland with Bob W, and €15 million to Plum (UK fintech), strengthened CIB with 28% revenue growth to €3.194 billion in H1 2025 driven by global markets, transaction banking, and investment banking, and pursued digital banking growth including appointing leadership in Italy and core system modernization for Garanti BBVA International.