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BBVA

MCE:BBVA · ES0113211835
BanksMedium

360

70
Profit price72
Cash yield65
Price/Sales72
EV / Gross Profit79
Price/Book34
Returns on capital100
Profit margins—
Cash Conversion86
Accruals87
Owner Earnings Margin67
Sales growth78
Profit Growth100
Long-Term EPS Growth39
Owner Earnings Growth56
Reinvestment79
Price momentum72
Debt load66
Debt serviceability78
Liquidity18
Analyst ratings31
Opinion Changes50
Price Target Upside51
Market mood63
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

BBVA generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountrySpain
IndustryBanks
SizeMedium
TypePublic Company
ExchangeBME
Founded1988
Employees30,767
Websitebbva.com/es
ISINES0113211835
Last UpdateApr 2, 2026
Indices
EURO STOXX 50 (European Union)IBEX 35 (Spain)Renewable Energy Users
Themes
Utility Scale SolarBankingCommercialFinancial ServicesFinTech

Description

Banco Bilbao Vizcaya Argentaria, S.A. (‘BBVA’) is a customer-centric global financial services company. Internationally diversified and with strengths in the traditional banking businesses of retail banking, asset management, and wholesale banking,…

Analysis

Quality compounder

Banco Bilbao Vizcaya Argentaria, S.A. earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is attractive. The owner-earnings multiple stands at 10.1×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around -3% a year, against analyst forecasts of 11%. The price, in other words, assumes less than the experts do.

Growth is moderate; the safety picture is stretched. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
86
2023202420252026

All-time high

96

Mar 2026

All-time low

29

Jan 2023

Average rank

55

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
72
76
64
63
Price/Earnings
76
70
54
75
Price/Book
34
46
47
52
Dividend Yield
65
51
63
71
Value (overall)
70
59
71
59

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →