Zacks Investment Research·Jun 25, 2026
Banco Bilbao (BBVA) Could Be a Great ChoiceDividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Banco Bilbao (BBVA) have what it takes?
Banco Bilbao Vizcaya Argentaria, S.A.(BBVA)Earnings, Financials & Key Ratios
BBVA•NYSE•Banking & Credit
$26.07
13.5× P/E·Price updated Jul 7, 2026
AboutBanco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides retail banking, wholesale banking, and asset management services. It offers current accounts; and demand, savings, overnight, time, term, and subordinated deposits. The company also provides loan products; deals in securities; and manages pension and investment funds. In addition, it offers credit cards; corporate and investment banking services; insurance products and services; and real estate services. The company provides its products through online and mobile channels. As of December 31, 2021, it operated through a network of 6,083 branches and 29,148 ATMs. It operates in Spain, Mexico, South America, the United States, Turkey, Asia, and rest of Europe. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.Show more
- Net Interest Income$26.28B+336.2%
- Total Revenue$36.93B+4.1%
- Net Income$10.51B+4.5%
- Return on Equity17.26%-1.1%
- Net Interest Margin3.06%+312.2%
- Efficiency Ratio39.62%+163.7%
- ROA1.29%-0.8%
- Equity / Assets7.19%-7.5%
- Book Value per Share10.35-0.5%
BBVA Price & Volume
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) stock price & volume — 10-year historical chart
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Digital Efficiency Offsets Persistent Regional Margin Volatility
Investment Thesis • Updated 2025Q4
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Geopolitical and Currency Volatility
Key Thesis Takeaways
- BBVA demonstrates a resilient earnings profile supported by a 42.0% efficiency ratio achieved through digital transformation, though this is tempered by significant geographic exposure to volatile markets like Turkey.
- While the bank maintains a stable equity-to-assets ratio of 0.07, investors should monitor the potential duration mismatch risk stemming from an investment securities portfolio that has expanded to $729.0 billion.
- The bank's commitment to shareholder returns, evidenced by a $1.9 billion share repurchase in 2025Q4, suggests confidence in capital adequacy despite ongoing credit provisioning needs of $1.7 billion.
Verdict Logic
while the bank maintains a solid 3.3% dividend yield and a low PEG ratio of 0.20, the persistent $1.7 billion quarterly provision for loan losses warrants caution regarding credit quality in emerging markets.
BBVA Growth Metrics
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years0.64%
5 Years4.2%
3 Years-2.93%
TTM-
Profit CAGR
10 Years14.81%
5 Years51.78%
3 Years18.24%
TTM4.55%
EPS CAGR
10 Years16.4%
5 Years64.57%
3 Years19.92%
TTM5.36%
Return on Capital
10 Years4.32%
5 Years5.83%
3 Years7.18%
Last Year7.63%
BBVA Recent Earnings
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (64%)●Beat Revenue 8/12 qtrs (73%)
Q2 2026Latest
Apr 30, 2026Metric
Actual
Est
EPS
$0.60+5.3%
$0.57
Rev
$12.5B+6.1%
$11.8B
Q1 2026
Feb 5, 2026Metric
Actual
Est
EPS
$0.50+0.0%
$0.50
Rev
$11.6B+2.8%
$11.2B
Q4 2025
Oct 30, 2025Metric
Actual
Est
EPS
$0.49+2.1%
$0.48
Rev
$21.0B+97.2%
$10.6B
Q3 2025
Jul 31, 2025Metric
Actual
Est
EPS
$0.52+10.6%
$0.47
Rev
$10.3B-0.6%
$10.3B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $0.60vs $0.57+5.3% | $12.5Bvs $11.8B+6.1% |
| Q1 2026 | Feb 5, 2026 | $0.50vs $0.50+0.0% | $11.6Bvs $11.2B+2.8% |
| Q4 2025 | Oct 30, 2025 | $0.49vs $0.48+2.1% | $21.0Bvs $10.6B+97.2% |
| Q3 2025 | Jul 31, 2025 | $0.52vs $0.47+10.6% | $10.3Bvs $10.3B-0.6% |
Based on last 12 quarters of dataView full earnings history →
Latest BBVA News
Recent stock market news and headlines for Banco Bilbao Vizcaya Argentaria, S.A. (BBVA)
MarketBeat·Jun 25, 2026
European Banks Are Outperforming : Can These 3 Keep It Going?European banks delivered their best performance in years in 2025, and investors have been tempted to take profits during the sector's recent pullback. But this rally is no bubble, and there's plenty of evidence international bank stocks are still undervalued compared to their domestic peers.
Zacks Investment Research·Jun 22, 2026
5 High ROE Stocks to Buy as Markets Recover After Fed-Induced Sell-OffROST, TEL, BBVA, GL and SCHW stand out as high-ROE, cash-rich stocks as markets rebound from the Fed-driven sell-off.
Reuters·Jun 16, 2026
Spain's antitrust watchdog probes banks over mortgage practicesSpain's antitrust regulator said on Tuesday it was launching disciplinary proceedings against all six listed lenders in the country, including Santander and BBVA , for possible anti-competitive practices in the mortgage market.
Peers Comparison
Key metrics vs top competitors for Banco Bilbao Vizcaya Argentaria, S.A. (BBVA)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $26.07 | $145.26B | 13.50 | 4.08% | 28.46% | 17.26% | 3.08% | |
| $14.19 | $208.28B | 14.27 | -7.71% | 18.62% | 12.76% | — | |
| $32.24 | $92.74B | 13.31 | -65.31% | 15.23% | 12.38% | — | |
| $8.23 | $90.71B | 10.76 | 18.03% | 11.91% | 20.77% | — | |
| $5.10 | $38.19B | 16.07 | 17.45% | 8.18% | 11.11% | — | |
| $51.44 | $168.61B | 21.80 | -0.51% | 10.48% | 7% | — |
Compare BBVA vs Peers
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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BBVA Frequently Asked Questions
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Banco Bilbao Vizcaya Argentaria, S.A. growing?
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) grew revenue by 4.1% over the past year. Growth has been modest.
Is BBVA profitable?
Yes, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is profitable, generating $10.51B in net income for fiscal year 2025 (28.5% net margin).
Dividend & Returns
Does BBVA pay dividends?
Yes, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) pays a dividend with a yield of 3.08%. This makes it attractive for income-focused investors.
What is BBVA's return on equity?
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) has a return on equity (ROE) of 17.3%. This is reasonable for most industries.
Industry Metrics
What is Banco Bilbao Vizcaya Argentaria, S.A.'s net interest margin?
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
What is Banco Bilbao Vizcaya Argentaria, S.A.'s efficiency ratio?
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) has an efficiency ratio of 39.6%. This is excellent, indicating strong cost control.