Tearsheet

Banco Bilbao Vizcaya Argentaria (BBVA)

Market Price (9/4/2025): $18.005 | Market Cap: $107.6 Bil
Sector: Financials | Industry: Diversified Banks

Banco Bilbao Vizcaya Argentaria (BBVA)

Market Price (9/4/2025): $18.005
Market Cap: $107.6 Bil
Sector: Financials
Industry: Diversified Banks

Market Valuation

	9/4/25	2024	2023	2022	2021
Share Price CYE	$18.00	$9.36	$8.21	$5.05	$4.59
Market Cap CYE ($ Bil)	107.6	56.9	51.2	32.9	30.8
Total Debt ($ Bil)	71.8	75.9	74.2	60.1	61.7
Total Cash ($ Bil)	73.1	59.9	82.6	84.3	74.6
Enterprise Value ($ Bil)	106.3	132.8	125.4	93.0	92.5
Valuation Ratios
P/S TTM	3.0	1.4	1.6	1.3	1.6
P/EBIT TTM	0.0	0.0	0.0	0.0	0.0
P/E TTM	10.2	5.6	6.8	5.8	8.1
Sector Ratios
P/S TTM (Sector)	3.6	3.4	2.9	3.0	3.7
P/EBIT TTM (Sector)	11.8	10.9	11.5	9.9	8.3
P/E TTM (Sector)	14.5	13.1	11.7	11.0	11.0

	9/4/25	2024	2023
Share Price CYE	$18.00	$9.36	$8.21
Market Cap CYE ($ Bil)	107.6	56.9	51.2
Total Debt ($ Bil)	71.8	75.9	74.2
Total Cash ($ Bil)	73.1	59.9	82.6
Enterprise Value ($ Bil)	106.3	132.8	125.4
Valuation Ratios
P/S TTM	3.0	1.4	1.6
P/EBIT TTM	0.0	0.0	0.0
P/E TTM	10.2	5.6	6.8
Sector Ratios
P/S TTM (Sector)	3.6	3.4	2.9
P/EBIT TTM (Sector)	11.8	10.9	11.5
P/E TTM (Sector)	14.5	13.1	11.7

Stock Price
Market Cap

Stock Price Chart

Return (1Y):

Market Cap Chart

Business Description

Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides retail banking, wholesale banking, and asset management services. It offers current accounts; and demand, savings, overnight, time, term, and subordinated deposits. The company also provides loan products; deals in securities; and manages pension and investment funds. Show more

Price Returns Compared

Expand for Detailed View

	2020	2021	2022	2023	2024	2025	Total [1]
Returns
BBVA Return	-6%	22%	10%	63%	14%	92%	169%
Peers Return	-16%	36%	-18%	16%	39%	21%	83%
S&P 500 Return	16%	27%	-19%	24%	23%	10%	100%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: C, JPM, BAC, WFC, PNC.
[3] 2025 data is for the year up to 9/3/2025 (YTD)

Recent Active Movers

1 Day Top Gainers

#	Ticker	Company	1D Rtn	YTD Rtn
1	XELA	Exela Technologies	212.4%	-95.5%
2	TKCM	Token Communities	82.8%	-64.7%
3	ANGGF	Angang Steel	61.2%	25.0%
4	BATMF	British American Tobacco Malaysia	43.4%	59.2%
5	KYSEF	Kyushu Electric Power	32.1%	32.1%
6	STTK	Shattuck Labs	26.7%	5.8%
7	KTHAF	Krung Thai Bank	24.0%	24.0%
8	SFOSF	Shanghai Fosun Pharmaceutical	23.7%	61.7%
9	INDOY	Indorama Ventures	20.9%	-5.5%
10	M	Macy's	20.7%	-1.0%

1 Day Top Losers

#	Ticker	Company	1D Rtn	YTD Rtn
1	PTLKF	PT Lippo Karawaci	-95.2%	-94.7%
2	MGAWF	Megaworld	-71.0%	-71.0%
3	PTTMF	PT Timah	-62.8%	-83.1%
4	PTJSF	PT Jasa Marga	-50.9%	-50.9%
5	UNLRF	PT Unilever Indonesia	-41.3%	-17.6%
6	DLNDY	D&L Industries	-37.5%	-30.7%
7	SUCEF	Sumitomo Osaka Cement	-37.4%	-37.4%
8	PTKFF	PT Kalbe Farma	-34.7%	-32.1%
9	SMTGF	SMA Solar Technology	-30.1%	28.4%
10	PMDKF	PT Mitra Adiperkasa	-28.6%	-48.9%

1 Week Top Gainers

#	Ticker	Company	1W Rtn	YTD Rtn
1	EAF	GrafTech International	804.0%	-47.2%
2	RLMD	Relmada Therapeutics	122.3%	182.7%
3	XELA	Exela Technologies	109.6%	-95.5%
4	PSNYW	Polestar Automotive UK	96.2%	141.5%
5	TKCM	Token Communities	82.8%	-64.7%
6	PHJMF	PT Hanjaya Mandala Sampoerna	66.7%	34.8%
7	ANGGF	Angang Steel	61.2%	25.0%
8	DTNOF	DNO	49.5%	141.9%
9	BW	Babcock & Wilcox Enterprises	48.5%	54.9%
10	MDB	MongoDB	46.0%	34.4%

1 Week Top Losers

#	Ticker	Company	1W Rtn	YTD Rtn
1	COSG	Grand Gallery	-100.0%	�
2	PTLKF	PT Lippo Karawaci	-95.2%	-94.7%
3	NXTT	Next Technology	-74.5%	-89.4%
4	SCGY	Scientific Energy	-72.7%	-26.9%
5	MGAWF	Megaworld	-71.0%	-71.0%
6	TTOO	T2 Biosystems	-67.7%	-99.0%
7	PTTMF	PT Timah	-62.8%	-83.1%
8	PIGEF	Pigeon	-62.4%	-62.4%
9	NEGG	Newegg Commerce	-53.8%	290.6%
10	PTJSF	PT Jasa Marga	-50.9%	-50.9%

1 Month Top Gainers

#	Ticker	Company	1M Rtn	YTD Rtn
1	MMEX	MMEX Resources	∞%	-50.0%
2	TAWNF	Thai Airways International	3674.5%	3400.0%
3	NOKPF	Nok Airlines	2400.0%	81.8%
4	AYRWF	Ayr Wellness	509.5%	-94.6%
5	XELA	Exela Technologies	379.0%	-95.5%
6	SRNE	Sorrento Therapeutics	233.3%	900.0%
7	PGEN	Precigen	169.9%	324.1%
8	TLS	Telos	154.7%	89.2%
9	SATS	EchoStar	142.7%	179.1%
10	RLMD	Relmada Therapeutics	139.0%	182.7%

1 Month Top Losers

#	Ticker	Company	1M Rtn	YTD Rtn
1	COSG	Grand Gallery	-100.0%	�
2	PTLKF	PT Lippo Karawaci	-95.2%	-94.7%
3	TTOO	T2 Biosystems	-94.8%	-99.0%
4	NXTT	Next Technology	-86.5%	-89.4%
5	OTRK	Ontrak	-78.2%	-96.6%
6	SCGY	Scientific Energy	-72.7%	-26.9%
7	PPCB	Propanc Biopharma	-72.1%	-79.1%
8	MGAWF	Megaworld	-71.0%	-71.0%
9	PTTMF	PT Timah	-62.8%	-83.1%
10	PIGEF	Pigeon	-62.4%	-62.4%

Recent Active Movers

1 Day Top Gainers

#	Ticker	Company	1D Rtn	YTD Rtn
1	XELA	Exela Technologies	212.4%	-95.5%
2	TKCM	Token Communities	82.8%	-64.7%
3	ANGGF	Angang Steel	61.2%	25.0%
4	BATMF	British American Tobacco Malaysia	43.4%	59.2%
5	KYSEF	Kyushu Electric Power	32.1%	32.1%
6	STTK	Shattuck Labs	26.7%	5.8%
7	KTHAF	Krung Thai Bank	24.0%	24.0%
8	SFOSF	Shanghai Fosun Pharmaceutical	23.7%	61.7%
9	INDOY	Indorama Ventures	20.9%	-5.5%
10	M	Macy's	20.7%	-1.0%

1 Day Top Losers

#	Ticker	Company	1D Rtn	YTD Rtn
1	PTLKF	PT Lippo Karawaci	-95.2%	-94.7%
2	MGAWF	Megaworld	-71.0%	-71.0%
3	PTTMF	PT Timah	-62.8%	-83.1%
4	PTJSF	PT Jasa Marga	-50.9%	-50.9%
5	UNLRF	PT Unilever Indonesia	-41.3%	-17.6%
6	DLNDY	D&L Industries	-37.5%	-30.7%
7	SUCEF	Sumitomo Osaka Cement	-37.4%	-37.4%
8	PTKFF	PT Kalbe Farma	-34.7%	-32.1%
9	SMTGF	SMA Solar Technology	-30.1%	28.4%
10	PMDKF	PT Mitra Adiperkasa	-28.6%	-48.9%

1 Week Top Gainers

#	Ticker	Company	1W Rtn	YTD Rtn
1	EAF	GrafTech International	804.0%	-47.2%
2	RLMD	Relmada Therapeutics	122.3%	182.7%
3	XELA	Exela Technologies	109.6%	-95.5%
4	PSNYW	Polestar Automotive UK	96.2%	141.5%
5	TKCM	Token Communities	82.8%	-64.7%
6	PHJMF	PT Hanjaya Mandala Sampoerna	66.7%	34.8%
7	ANGGF	Angang Steel	61.2%	25.0%
8	DTNOF	DNO	49.5%	141.9%
9	BW	Babcock & Wilcox Enterprises	48.5%	54.9%
10	MDB	MongoDB	46.0%	34.4%

1 Week Top Losers

#	Ticker	Company	1W Rtn	YTD Rtn
1	COSG	Grand Gallery	-100.0%	�
2	PTLKF	PT Lippo Karawaci	-95.2%	-94.7%
3	NXTT	Next Technology	-74.5%	-89.4%
4	SCGY	Scientific Energy	-72.7%	-26.9%
5	MGAWF	Megaworld	-71.0%	-71.0%
6	TTOO	T2 Biosystems	-67.7%	-99.0%
7	PTTMF	PT Timah	-62.8%	-83.1%
8	PIGEF	Pigeon	-62.4%	-62.4%
9	NEGG	Newegg Commerce	-53.8%	290.6%
10	PTJSF	PT Jasa Marga	-50.9%	-50.9%

Peer Comparisons for Banco Bilbao Vizcaya Argentaria

Financials

	BBVA	C	JPM	BAC	WFC	PNC	Median
Name	Banco Bi.	Citigroup	JPMorgan.	Bank of .	Wells Fa.	PNC Fina.
Mkt Price	-	94.78	299.70	50.42	81.78	205.42	94.78
Mkt Cap	-	175.9	835.8	387.1	264.4	81.6	264.4
Rev LTM	-	83,113	175,656	103,435	81,462	22,101	83,113
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	-	-93,686	-148,615	4,550	-9,143	6,058	-9,143
FCF 3Y Avg	-	-65,690	-56,104	24,365	13,467	8,801	8,801
CFO LTM	-	-87,165	-148,615	4,550	-9,143	6,058	-9,143
CFO 3Y Avg	-	-59,182	-56,104	24,365	13,467	8,801	8,801

Growth & Margins

	BBVA	C	JPM	BAC	WFC	PNC	Median
Name	Banco Bi.	Citigroup	JPMorgan.	Bank of .	Wells Fa.	PNC Fina.
Rev Chg LTM	-	6.3%	8.2%	5.4%	-1.7%	8.2%	6.3%
Rev Chg 3Y Avg	-	4.3%	13.5%	5.0%	2.8%	3.4%	4.3%
Rev Chg Q	-	8.1%	6.7%	6.0%	-0.6%	21.2%	6.7%
QoQ Delta Rev Chg LTM	-	2.0%	1.6%	1.5%	-0.1%	4.7%	1.6%
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	-	-104.9%	-84.6%	4.4%	-11.2%	27.4%	-11.2%
CFO/Rev 3Y Avg	-	-74.6%	-32.5%	24.8%	16.4%	40.7%	16.4%
FCF/Rev LTM	-	-112.7%	-84.6%	4.4%	-11.2%	27.4%	-11.2%
FCF/Rev 3Y Avg	-	-82.8%	-32.5%	24.8%	16.4%	40.7%	16.4%

Valuation

	BBVA	C	JPM	BAC	WFC	PNC	Median
Name	Banco Bi.	Citigroup	JPMorgan.	Bank of .	Wells Fa.	PNC Fina.
Mkt Cap	-	175.9	835.8	387.1	264.4	81.6	264.4
P/S	-	2.1	4.8	3.7	3.2	3.7	3.7
P/EBIT	-	-	-	-	-	-	-
P/E	-	12.4	14.8	13.9	12.8	13.1	13.1
P/CFO	-	-2.0	-5.6	85.1	-28.9	13.5	-2.0
Total Yield	-	8.1%	6.8%	7.2%	9.8%	10.8%	8.1%
Dividend Yield	-	0.0%	0.0%	0.0%	2.0%	3.2%	0.0%
FCF Yield 3Y Avg	-	-56.0%	-7.4%	8.7%	8.1%	15.2%	8.1%
D/E	-	2.1	0.6	0.9	0.8	0.7	0.8
Net D/E	-	-1.1	-0.5	-0.8	-0.6	0.3	-0.6

Returns

	BBVA	C	JPM	BAC	WFC	PNC	Median
Name	Banco Bi.	Citigroup	JPMorgan.	Bank of .	Wells Fa.	PNC Fina.
1M Rtn	-	3.2%	3.6%	10.4%	5.1%	10.5%	5.1%
3M Rtn	-	24.7%	12.6%	12.9%	8.7%	17.5%	12.9%
6M Rtn	-	32.9%	20.5%	19.6%	12.8%	16.0%	19.6%
12M Rtn	-	56.0%	35.7%	26.8%	43.0%	15.0%	35.7%
3Y Rtn	-	117.6%	183.6%	62.4%	104.1%	47.6%	104.1%
1M Excs Rtn	-	0.4%	0.7%	7.6%	2.3%	7.7%	2.3%
3M Excs Rtn	-	17.8%	5.2%	6.3%	2.0%	11.0%	6.3%
6M Excs Rtn	-	14.9%	6.0%	2.3%	-2.3%	0.8%	2.3%
12M Excs Rtn	-	43.9%	23.1%	14.6%	31.8%	2.4%	23.1%
3Y Excs Rtn	-	51.4%	119.2%	2.7%	42.3%	-15.4%	42.3%

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2024	2023	2022	2021	2020	2019
Period End		12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Filing Date		3/4/2025	3/1/2024	3/6/2023	3/9/2022	2/19/2021	2/28/2020
Key Financials
Total Revenue	36,071	39,235	33,427	28,065	22,996	22,271	23,270
Net Income	10,507	10,054	8,019	6,358	4,653	1,305	3,512
EPS	1.75	1.68	1.29	0.98	0.67	0.14	0.47
Growth Rates
Total Revenue Growth	5.3%	17.4%	19.1%	22.0%	3.3%	-4.3%	-1.3%
Net Income Growth	15.0%	25.4%	26.1%	36.6%	256.6%	-62.8%	-35.0%
Margins
Net Income Margin	29.1%	25.6%	24.0%	22.7%	20.2%	5.9%	15.1%
Cash & Debt
Total Cash	131,274	118,858	144,789	149,598	134,956	142,308	110,707
Total Debt	71,802	75,930	74,192	60,116	61,719	68,985	71,953
Net Debt / (Cash)	-59,472	-42,928	-70,597	-89,482	-73,237	-73,323	-38,754
Cash Flows
Net Cash from Operations	-	-18,190	-721	23,718	-1,242	39,349	-10,654
Free Cash from Operations	-	-20,201	-2,540	21,276	-2,188	38,226	-12,034
Returns to Shareholders
Dividends	0	3,913	2,808	2,185	926	1,065	2,147
Share Repurchases	-0	1,529	2,166	2,983	1,022	807	1,088

$ Mil \| FY: 12/31	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3
Period End	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Filing Date	7/31/2025	4/29/2025	1/30/2025	10/31/2024	7/31/2024	4/26/2024	1/30/2024	10/31/2023	7/28/2023	4/27/2023	2/1/2023	10/28/2022
Key Financials Quarterly
Total Revenue	8,710	9,324	9,320	8,717	9,226	9,644	7,438	7,957	8,019	6,958	6,488	7,638
Net Income	2,749	2,698	2,433	2,627	2,794	2,200	2,058	2,083	2,032	1,846	1,563	1,838
EPS	0.46	0.45	0.40	0.44	0.47	0.36	0.33	0.33	0.33	0.29	0.24	0.29
Key Financials TTM
Total Revenue TTM	36,071	36,587	36,907	35,025	34,265	33,058	30,372	29,422	29,103	28,128	27,318	26,306
Net Income TTM	10,507	10,552	10,054	9,679	9,135	8,373	8,019	7,524	7,279	6,879	6,358	6,136
Growth Rates Quarterly
Total Revenue Growth	-5.6%	-3.3%	25.3%	9.6%	15.1%	38.6%	14.6%	4.2%	13.8%	13.2%	18.5%	33.5%
Net Income Growth	-1.6%	22.6%	18.2%	26.1%	37.5%	19.2%	31.7%	13.3%	24.5%	39.3%	16.6%	31.3%
Margins Quarterly
Net Income Margin	31.6%	28.9%	26.1%	30.1%	30.3%	22.8%	27.7%	26.2%	25.3%	26.5%	24.1%	24.1%
Cash & Debt
Total Cash	131,274	142,321	118,858	150,164	113,920	168,383	144,789	136,144	144,779	154,430	149,598	157,685
Total Debt	71,802	71,987	75,930	67,325	74,972	73,627	74,192	70,425	68,207	57,853	60,116	59,238
Net Debt / (Cash)	-59,472	-70,334	-42,928	-82,839	-38,948	-94,756	-70,597	-65,719	-76,572	-96,577	-89,482	-98,447
Cash Flows Quarterly
FCF from Operations	-	-	-	-	-26,905	-193	11,088	-4,306	-11,215	3,712	-4,961	8,198
Cash Flows TTM
FCF from Operations TTM	-	-	-	-	-20,316	-4,626	-721	-16,770	-4,266	23,867	23,718	35,729
Returns to Shareholders Quarterly
Dividends	0	0	0	0	2,245	0	951	0	1,857	0	722	0
Share Repurchases	-0	-0	-0	-0	627	705	1,690	-447	689	234	414	146
Return on Invested Capital (ROIC) Quarterly
ROIC	-	-	-	-	-	-	-	-	-	-	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	-	-	-	-	-	-	-	-	-	-	-	-

Segment Financials

Revenue by Segment

$ Mil	2024	2023	2022	2021	2020
Single Segment	33,427	28,065	22,996	22,177	27,878
Total	33,427	28,065	22,996	22,177	27,878

Price Behavior

Behavior Stats
Betas Matrix

Price Behavior

Market Price	$17.99
Market Cap ($ Bil)	107.5
First Trading Date	12/15/1988
Distance from 52W High	-6.5%
	50 Days	200 Days
DMA Price	$16.68	$13.37
DMA Trend	up	up
Distance from DMA	7.8%	34.6%
	3M	1YR
Volatility	30.4%	32.5%
Downside Capture	13.12	43.72
Upside Capture	108.38	99.77
Correlation (SPY)	34.1%	40.3%
	5D	10D
Expected Return	2.5%	6.2%
Expected Excess Return	0.2%	-0.6%
Chance of Rise	66.0%	83.3%
Std Dev of Returns	1.1%	1.7%

BBVA Betas & Captures as of 8/31/2025

	1M	2M	3M	6M	1Y	3Y
Beta	0.68	0.73	1.03	0.74	0.67	0.83
Up Beta	0.74	1.23	1.59	0.59	0.47	0.77
Down Beta	0.59	0.61	1.39	0.91	0.86	0.89
Up Capture	114%	127%	107%	109%	101%	121%
Bmk +ve Days	10	22	35	71	142	415
Stock +ve Days	12	22	33	72	138	413
Down Capture	-3%	-59%	16%	63%	58%	87%
Bmk -ve Days	11	19	27	54	106	334
Stock -ve Days	9	18	28	52	107	316

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Short Interest

Short Interest: As Of Date	8152025
Short Interest: Shares Quantity	1,159,552
Short Interest: % Change Since 7312025	-50.8%
Average Daily Volume	1,546,382
Days-to-Cover Short Interest	1
Basic Shares Quantity	5,976,086,957
Short % of Basic Shares	0.0%

SEC Filings

Expand for More

Report Date	Filing
12312023	20-F 12/31/2023
12312022	20-F 12/31/2022
3312021	6-K 3/31/2021
12312020	6-K 12/31/2020
9302020	6-K 9/30/2020
6302020	6-K 6/30/2020
3312020	6-K 3/31/2020
12312019	20-F 12/31/2019
9302019	6-K 9/30/2019
3312019	6-K 3/31/2019
12312018	20-F 12/31/2018
9302018	6-K 9/30/2018
6302018	6-K 6/30/2018
12312017	20-F 12/31/2017
9302017	6-K 9/30/2017
6302017	6-K 6/30/2017

Industry Resources

Financials Resources

Federal Reserve Economic Data

External Quote Links

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Banco Bilbao Vizcaya Argentaria (BBVA)

Market Price (9/4/2025): $18.005 | Market Cap: $107.6 BilSector: Financials | Industry: Diversified Banks

Banco Bilbao Vizcaya Argentaria (BBVA)

Market Price (9/4/2025): $18.005Market Cap: $107.6 BilSector: FinancialsIndustry: Diversified Banks

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Market Price (9/4/2025): $18.005 | Market Cap: $107.6 Bil
Sector: Financials | Industry: Diversified Banks

Market Price (9/4/2025): $18.005
Market Cap: $107.6 Bil
Sector: Financials
Industry: Diversified Banks