Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Banco Bilbao Vizcaya Argentaria, S.A. is a multinational financial services company headquartered in Bilbao, Spain, with operational offices in Madrid. Founded in 1857 as Banco de Bilbao, it emerged from mergers including Banco de Vizcaya in 1988 and Argentaria in 1999, forming one of Europe's largest banks by asset size, with €772 billion in assets as of December 2024. The institution provides a broad range of services, including retail and corporate banking, consumer finance, asset management, insurance, pensions, leasing, factoring, and brokerage, delivered through digital platforms and over 5,900 branches worldwide. BBVA maintains strong leadership in Spain, dominates the Mexican market as the largest bank, and holds significant positions in South America, Turkey via Garanti BBVA, Portugal, Italy, Romania, Germany, and the U.S. Sunbelt region. Emphasizing customer-centric innovation, it pursues digital transformation, cryptocurrency services under EU MiCA regulations, and sustainable finance aligned with ESG principles to foster inclusive growth. In 2025, BBVA achieved a record €10.5 billion net profit, serving 77.2 million customers across more than 25 countries with 125,916 employees. As Spain's second-largest bank, it plays a pivotal role in global finance, blending traditional banking with emerging opportunities.
€21.47
€0.22 (-1.01%)
EOD Jun 26, 2026 · Twelve Data
28.23% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue growth slowed to 0.5%, essentially flat. This is a business that needs a catalyst.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
11.7x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
€38.94B
▲ +0.5% YoY
Net Income (TTM)
€11.43B
▲ +5.2% YoY
Net Margin
29.36%
P/E
11.7x
Balance Sheet
Total Assets
€859.58B
Equity
€61.80B
Total Debt
€89.30B
Cash & Equiv.
€128.25B
3Y CAGR: +12.0%
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At a P/E of 11.7 and a price-to-free-cash-flow of 9.2, Banco Bilbao Vizcaya Argentaria SA (BBVA.XMAD) trades below a two-stage DCF intrinsic value of about €47.19 per share, so at €21.47 the stock looks undervalued (119.8% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Banco Bilbao Vizcaya Argentaria SA scores 89/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 3.5%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about €47.19 per share for BBVA.XMAD, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around €35.39. At today's €21.47, that puts the stock about 119.8% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Banco Bilbao Vizcaya Argentaria SA scores 89 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Banco Bilbao Vizcaya Argentaria SA pays a regular dividend of about €0.74 per share per year (typically in quarterly installments), a yield of roughly 3.5% at the current price. That is a payout ratio of about 36.7% of earnings, so the dividend is amply covered by earnings. Banco Bilbao Vizcaya Argentaria SA has grown the dividend at roughly 45.9% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For BBVA.XMAD's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. BBVA.XMAD currently trades below its estimated intrinsic value and scores 89/100 on quality (high-quality). It also yields about 3.5%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.