Banco Bilbao Vizcaya Argentaria, S.A.
BBVA · Price history
Price at last available close
$25.01
−$3.63 (-12.67%) 1M
2026-10-28
Tap or drag sideways to inspect a price. Use two fingers to compare automatically. Release to scroll. Use Shift + arrow keys to compare with a keyboard.
Company & revenue
About Banco Bilbao Vizcaya Argentaria, S.A.
Primary reporting period: 2025-12-31 · Research updated Oct 5, 2026. A research update is not a new financial filing.
Who they are
Banco Bilbao Vizcaya Argentaria, S.A., established in Bilbao, Spain, in 1857, operates as a comprehensive global financial services provider through its various subsidiaries. The institution specializes in retail banking, wholesale banking, and asset management. Its extensive product offerings include everyday current accounts, a variety of deposit options such as demand, savings, overnight, time, term, and subordinated deposits, along with numerous loan products.
How they make money
BBVA is a global financial group that generates revenue primarily through net interest income from lending activities and net fees and commissions from financial services. The bank operates a diversified business model across retail, wholesale, and private banking, supported by digital banking platforms and asset management services.
Products & services
Retail banking, wholesale banking, asset management, private banking, and digital financial services including loans, deposits, and payment processing.
Brands & revenue mix
Primary global brand for the banking group.
Separate brand revenue is not available in this research.Source
Subsidiary brand operating primarily in Turkey.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
The company does not disclose specific customer concentration, serving over 81.2 million active customers globally as of 2025-12-31.
Suppliers, materials & equipment
No supplier relationships were confirmed in the sources reviewed. This does not mean the company has no suppliers.
Competitors
Strengths
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Total debt increased 47.8% versus the same quarter last year.
Compare the added borrowing with available cash, cash generation and maturities. A percentage increase from a small starting balance can look large without measuring the full debt burden.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
44
Weak
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
70
Strong
Financial Strength
66
Business Quality / Moat
41
Management
85
Growth Quality
90
Risk / Durability
92
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
28
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
34/100
Building Historical Record
Model Score 34/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as less attractive based on the available valuation and market data.
The model outlook is currently cautious.
- •Recent buyback activity is present
- •Valuation is a weaker part of the current profile
- •Revenue fundamentals are weak
Company-specific research
Questions worth answering for BBVA
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can BBVA maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is BBVA's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Does BBVA's balance between cash and debt leave enough flexibility if business conditions weaken?
- •What future growth or profitability would be needed to justify BBVA's current valuation?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of BBVA's score?
Essential Investment Snapshot
Wall Street Score
44
Opportunity Score
28
Market Cap
$139.17B
P/E Ratio
13.1
EPS
$2.13
52-Week High
$29.64
52-Week Low
$17.90
Beta
0.89
Intrinsic Value
$18.12
Shares Outstanding
5.97B
Total Revenue
$55.40B
Total Debt
$120.38B
Dividend Yield (TTM)
4.31%
Liquidation Value / Share
$12.11
Dividend / Share (TTM)
$1.08
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Strong downward momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for BBVA
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Community Sentiment
0 active · 0 total callsNo personal call yet on BBVA.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Leading position in Spain and Mexico.
- +Pioneering strategy in digitalization and innovation.
- +High efficiency ratio.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Diversified industry.
- −Economic and financial market volatility.
- −Operational risks related to digital transformation and AI integration.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
5 historical score records availablePrevious Score
44
Sep 9, 2026
Change
+0.1
points
Current Score
44
Oct 1, 2026
Category Changes
BBVA increased 0.1 points because overall fundamentals improved.
Projected Score
Projected Score
44
Projected Change
-0.6 points
Preliminary comparable-period financial changes suggest decline of approximately 0.6 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
OvervaluedCurrent Price
$25.01
Model Intrinsic Value
$18.12
Difference
+$6.89
+38.0% vs IV
Margin of Safety
-38.0%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $55.40B | $41.88B | $40.24B | $65.99B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $16.93B | $6.89B | $47.79B | $33.14B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $38.47B | $34.99B | -$7.55B | $32.85B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $15.81B | $14.53B | $14.36B | $12.45B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $18.76B | $16.59B | -$25.02B | $18.76B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $21.53B | $20.13B | $19.21B | $15.67B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $19.71B | $18.40B | $17.47B | $14.08B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $9.21B | $0.00 | $41.27B | $28.08B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $19.71B | $18.40B | $17.47B | $14.08B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $6.34B | $5.78B | $5.48B | $4.54B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $12.60B | $11.92B | $11.40B | $9.09B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $2.13 | $1.92 | $1.91 | $1.46 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 5.78B | 5.97B | 5.77B | 5.95B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 5.78B | 5.97B | 5.77B | 5.95B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$11.91B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.60
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+47.8%
Cash Change
+48.5%
Margin Change
-2.4 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Cash position grew
What Weakened
- Margins contracted
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, EPS growth, cash levels. Pressure indicators included debt levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 20.6%. EPS increased 10.4%. Cash increased 48.5%. Total debt increased 47.8%. Net income margin declined by 2.4 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
5 historical recordsHistorical Score Chart
3 of 5 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Banks - DiversifiedNews
Implied Volatility Surging for BBVA Argentina Bank Stock Options
Banco Bilbao (BBVA) Loses 12.7% in 4 Weeks, Here's Why a Trend Reversal May be Around the Corner
Why Banco Bilbao (BBVA) is a Great Dividend Stock Right Now
Should Value Investors Buy Banco Bilbao Viscaya Argentaria (BBVA) Stock?
Rumor Mill · BBVA
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
Related Stock Research
Continue researching this company with related Wall Street Score rankings and investing guides.
Score Alerts
Premium unlocks alerts when a score rises, falls, or reaches your target price.
Start 7-Day Free TrialPortfolio Score
Premium unlocks portfolio scoring, strongest and weakest holdings, and overall margin of safety.
Start 7-Day Free Trial