Stock Analysis
Banco Bilbao Vizcaya Argentaria, S.A.BBVA
P/E 1,007.37×· not meaningful — TTM earnings temporarily depressed
Sector: Financial Services
AnalystsHold31 analystsPrice is 61% of the way from the year's low to its high.
Cash covers 150% of debt · Q1 2019.
PMP Verdict
Cheap for a reason — weak fundamentals
Strengths
- Profitability70
Risks
- Quality0
- Growth25
Cheap for a reason — fundamentals remain weak.
Bull Case
- ✓ROE 19.3% — efficient capital deployment
What's happening with BBVA
Profile
earnings quality, moat, growth and financial health lag behind.
How is each axis scored?
- Valuation65/100 · Moderate
- P/E vs own history (0th pct)25/25
- FCF yield (0.1%)5/25
- P/S (1.3x)25/25
- EV/EBIT (n/a)10/25
- Growth25/100 · Weak
- Revenue CAGR (n/a)0/25
- Net income CAGR (n/a)0/25
- EPS CAGR 5Y (n/a)0/25
- Fwd implied growth (9087.4%)25/25
- Profitability70/100 · Moderate
- ROIC (n/a)0/25
- ROE (19.3%)20/25
- Net margin (20.7%)25/25
- Operating margin (31.2%)25/25
- Financial Health31/100 · Weak
- Altman Z (1.05)3/25
- Current ratio (n/a)0/25
- Interest coverage (0.8x)3/25
- Net cash / debt (Net cash)25/25
- Quality0/100 · Weak
- Piotroski F (0/9)0/25
- Beneish M (n/a)0/25
- FCF conversion (n/a)0/25
- Margin stability (n/a)0/25
- Moat0/100 · Weak
- ROIC >12% years (n/a)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (n/a)0/25
- Worst-year net margin (n/a)0/25
Risk Flags
- ⚠Altman Z 1.1 — distress-zone balance sheet
- ⚠Interest coverage 0.8× — thin debt cushion
About Banco Bilbao Vizcaya Argentaria, S.A.
Despite its Spanish origins, Banco Bilbao Vizcaya Argentaria generates only around one-fourth of its profits in Spain. Show more
We expect that on a normalized basis, BBVA's market-leading Mexican bank should contribute half of its earnings, while its Turkish operation should account for another 15%. The balance of BBVA's earnings comes from smaller operations in South America. BBVA is overwhelmingly a retail and commercial bank, with corporate and investment banking forming a minor part of the overall business. BBVA also offers insurance and investment products through its banking networks.
Employees: 126,994 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
Valuation
65BP/E (TTM)1007xC
Grade C: DistortedTTM earnings are temporarily depressed — this multiple overstates expensiveness. Forward P/E is a better guide — vs own 5Y history: 1007.4x–1063.4x · lowest in history
P/FCF3.0xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield0.1%C
Grade C: LowLatest stored TTM FCF / Market Cap — vs own 5Y history: 0.1%–0.1% · 90th pct
P/S (TTM)1.30xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 772.1x–815.0x · lowest in history
EV/EBITDA—
Enterprise value / EBITDA (Finnhub) — capital-structure neutral — vs own 5Y history: 789.8x–834.3x · lowest in history
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E11.0xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio10.33xD
Grade D: Very expensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio—
Finnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield4.09%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio92.8%D
Grade D: UnsustainableDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
70B+ROIC—
NOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE19.3%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA1.3%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin20.7%A
Grade A: HighNet Income / Revenue
Operating Margin—
TTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin—
FCF / Revenue
True FCF Margin—
TTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
25ERevenue CAGR—
Compound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR—
Compound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)—
Compound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth9087.4%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)—
Share count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
31DAltman Z-Score1.05D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage0.8xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment—
Years to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.29xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt1.50xA
Grade A: CoveredCash covers how much of total debt. >1 = could repay all debt from cash
Quality
0EPiotroski F-Score0/9D
Grade D: WeakFinancial strength 0–9. >7 Strong
Beneish M-Score—
Earnings manipulation risk. < -2.22 Safe
FCF Conversion—
FCF / Net Income
Margin Stability—
EBIT margin std deviation. Lower = stable
Capex / Revenue—
TTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
0EROIC >12% Years—
Share of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years—
Share of completed fiscal years with positive free cash flow
Net Margin Floor—
Weakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$0.03
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$15.17
Cash & short-term investments per share (Finnhub)
Book Value / Share$10.57
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$4.01B
Total debt obligations (short + long term)
Cash & Equiv.$6.01B
Cash and short-term investments
Net Debt$-2.00BA
Grade A: Net CashTotal Debt minus Cash. Negative = Net Cash position
Total Equity$13.70B
Shareholders' equity (book value)
Asset / Liability1.17xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$141.46B
Current Market Capitalization
Beta1.36C
Grade C: VolatilePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Mar 2019 · Ratio snapshot Oct 17, 2026
Key Insights: Banco Bilbao Vizcaya Argentaria, S.A. (BBVA)
BBVA is down 0.89% at the last close. Banco Bilbao Vizcaya Argentaria, S.A. meets only 0 of 9 Piotroski F-Score criteria — a sign of weak underlying fundamentals. Altman Z-Score of 1.05 is below the 1.81 distress threshold — an elevated financial-risk flag.
- Interest coverage of 0.8× leaves little room for earnings shocks.
- The stock currently yields 4.1% in dividends.
See how BBVA ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all BBVA moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 1 | Regular | 26.81 | -3.82% | -2.29 |
| Sep 17 | Regular | 28.83 | +2.58% | 2.06 |
| Sep 17 | After-hours | 28.83 | +2.60% | 2.08 |
Frequently Asked Questions about BBVA
What is the current Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) stock price?
BBVA is trading at $25.72 at the last market close, down 0.89% on the session. PreMarketPrice tracks BBVA pre-market, intraday and after-hours prices.
Is BBVA stock a buy right now?
PreMarketPrice's quantitative model rates Banco Bilbao Vizcaya Argentaria, S.A.'s financial health at 31/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is BBVA stock overvalued?
Banco Bilbao Vizcaya Argentaria, S.A. trades at a trailing P/E of 1007.4 and our valuation score rates it 65/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Banco Bilbao Vizcaya Argentaria, S.A. report earnings?
No confirmed earnings date is currently scheduled for BBVA. The Earnings section lists recent reports and updates as dates are announced.
What sector does Banco Bilbao Vizcaya Argentaria, S.A. operate in?
Banco Bilbao Vizcaya Argentaria, S.A. operates in the Financial Services sector. The Related Stocks section lists sector peers for comparison.
What does Banco Bilbao Vizcaya Argentaria, S.A. do?
Despite its Spanish origins, Banco Bilbao Vizcaya Argentaria generates only around one-fourth of its profits in Spain.
About Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) Stock
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is a US-listed stock operating in the Financial Services sector. As of the latest update, Banco Bilbao Vizcaya Argentaria, S.A. is trading at $25.72, down 0.89% on the day with a market capitalization of $141.5 billion. The financial health score for BBVA is 31/100, which indicates weak financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for BBVA stock.
BBVA Stock Analysis & Key Metrics
On PreMarketPrice, you can track Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) across multiple dimensions:
- Pre-market price & movement: Real-time BBVA stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for BBVA with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Banco Bilbao Vizcaya Argentaria, S.A. across multiple reporting periods.
- Financial health score: A composite score of 31/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for BBVA.
- Sector peers: Compare BBVA against 4 other financial services stocks on key financial metrics.
Is BBVA a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) as an investment. The financial health score of 31/100 suggests weak financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.