Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) AI Stock Analysis

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) was founded in 1857 and is headquartered in Bilbao, Spain. It provides a wide range of retail and wholesale banking, asset management, securities trading, pension and investment fund management, insurance, and real estate services. The bank maintains extensive operations across Spain, Mexico, South America, the United States, Turkey, Asia, and other parts of Europe. BBVA serves customers through online and mobile banking platforms and has explored applications of cryptocurrency and blockchain technology to support digital transformation, operational efficiency, and financial inclusion.

BBVA produced annual revenue of $36.93B in FY2025, up 4.1% from $35.48B in FY2024, after recording $58.19B in FY2023. Net income expanded from $4.65B in FY2021 to $10.05B in FY2024 and $10.51B in FY2025, lifting diluted earnings per share to $2.03. Operating margin rose to 43.9% in FY2025 and reached 56.4% over the trailing twelve months. Trailing twelve month revenue stood at $34.13B with a net profit margin of 32.6%. For the latest quarter ended June 30, 2026, quarterly revenue grew 20.2% year-over-year while quarterly earnings expanded 15.2%.

As of June 30, 2026, BBVA held $325.42B in cash and short-term investments against $106.16B in total debt, resulting in net cash of $219.26B. Shareholders' equity was $58.95B out of $965.43B in total assets, with a debt-to-equity ratio of 1.80 and a current ratio of 0.47. Operating cash flow rebounded to $14.97B in FY2025, generating $13.16B in free cash flow after capital expenditures of $1.81B. During FY2025, the company deployed $4.20B to dividends and $2.00B to share buybacks, which contributed to an 11.7% reduction in share count over 5 years.

BBVA trades at a trailing price-to-earnings multiple of 11.7x and a forward P/E of 11.9x, compared to medians of 12.1x and 10.8x, respectively, for US-listed Financial Services peers. Its price-to-sales ratio of 4.1x sits above the peer median of 3.2x, while its price-to-book ratio is 2.3x. Over the past year, BBVA returned 40.9% versus 16.8% for the S&P 500 (SPY). Over a 5-year period, the stock gained 424.7% compared to 83.0% for the benchmark index.

BBVA pays a semiannual dividend with a forward annual payout of $1.08 per share, representing a dividend yield of 4.19%. The company has paid dividends for 38 consecutive years and has an annualized 5-year dividend growth rate of 36.7%. Its payout ratio stands at 67.3%, and its most recent ex-dividend date was October 14, 2026.

Wall Street coverage includes 2 Hold ratings and 1 Sell rating, with no Buy or Strong Buy recommendations. The mean price target of $27.53 implies a 7.0% premium over the last close of $25.72. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $42.67B and EPS of $2.40, reflecting 15.6% earnings growth. BBVA has beaten EPS estimates in 2 of its last 4 quarters, and its next earnings release is scheduled for October 28, 2026.

This page is an AI-written research summary of Banco Bilbao Vizcaya Argentaria, S.A. (BBVA). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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