Banco Bilbao Vizcaya Argentaria, S.A.

Banco Bilbao Vizcaya Argentaria, S.A.

22.17
EUR
-0.88
(-3.82%)
2.03EPS
11.42P/E
121.19BMarket Cap
Oct 29Next Earn
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
7.02
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
1.91
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
- -
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
0.32
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
5,805
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 (%)
- -
1.77
1.5
1.67
1.82
3.91
2.2
0.45
3.21
5.38
6.34
7.17
6.89
6.89
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

EUR

•

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
114,055
105,750
121,191

Working Capital

EUR

•

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

EUR

•

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

EUR

•

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

EUR

•

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
0.44
0.42
1.83
2026
0.53
0.53
- -
- -
- -

Quarterly Dividends Per Share

EUR

•

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 Genç
Full Time Employees
127,174
Sector
Finance
Industry
Major banks
Address
Plaza San NicolAs, 4 Madrid MA Spain 48005
IPO Date
May 8, 2000
Website
bbva.com
Business
Banco Bilbao Vizcaya Argentaria, S.A. Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is a multinational financial services company that provides retail banking, wholesale banking, corporate and investment banking, asset management, private banking, insurance, mutual funds, consumer and mortgage loans, and securities brokerage services. Founded in 1857 through the establishment of Banco de Bilbao and headquartered in Bilbao, Spain, with operational headquarters in Madrid, BBVA operates in more than 25 countries, with leading positions in Spain, Mexico, Turkey, South America, Europe, and other regions including the United States and China; it serves individuals, SMEs, large corporations, and institutional clients through a strong digital platform emphasizing customer-centric innovation and over 70% digital sales in key markets. In recent developments, BBVA has channeled a record €97 billion in sustainable business during the first nine months of 2025 toward its €700 billion target for 2025-2029, including €11.1 billion in retail, €36.2 billion in corporate, and €49.7 billion in CIB with focuses on renewable energy, energy efficiency, and natural capital financing; the bank announced plans for a significant share buyback pending European Central Bank approval, reported record growth in customer acquisition via digital channels reaching 9.13% digital penetration, and continues strategic emphasis on sustainability-linked financing and digital transformation following robust 2024 performance across business activity, earnings, and strategy execution.

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