Banco Bilbao Vizcaya Argentaria, S.A. BBVA.MC
Financial Services · Banks - Diversified · Spain · IBEX 35
Based on the available data, Banco Bilbao Vizcaya Argentaria, S.A. gets an algorithmic score of 85/100. It trades at 25.07 €, with a bullish technical trend (RSI 52.8) and 29.4% annual volatility.
Updated: 2026-09-30
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Strengths
- High net margin (32.6%): pricing power / competitive advantage.
- Sustained revenue growth (12.0% compound annual).
- Attractive free-cash-flow yield (9.5%).
- Low valuation (P/E 10.8).
- Meaningful dividend (3.65%).
Weaknesses
- High beta (1.53): amplifies index moves.
Fundamentals
| P/E | 13.26 |
| Forward P/E | 10.83 |
| PEG | 2.23 |
| P/B | 2.46 |
| P/S | 4.04 |
| ROE % | 18.92 |
| ROA % | 1.35 |
| Gross margin % | 0.00 |
| Operating margin % | 56.41 |
| Net margin % | 32.56 |
| Revenue growth % (y/y) | 20.20 |
| Earnings growth % (y/y) | 15.20 |
| Revenue CAGR % | 11.99 |
| Earnings CAGR % | 18.24 |
| FCF yield % | 9.54 |
| Dividend yield % | 3.65 |
| Payout % | 48.68 |
Returns
| 1 month | +0.8 % |
| 3 months | +10.2 % |
| 6 months | +38.0 % |
| YTD | +27.1 % |
| 1 year | +60.6 % |
| 3 years | +275.8 % |
| 5 years | +492.8 % |
| 10 years | +616.1 % |
Risk
| 1-year volatility | 29.4 % |
| Beta | 1.53 |
| 5-year max drawdown | -33.4 % |
| Sharpe 1A | 1.63 |
Macroeconomic context
Benefits from high rates and a positive curve (net interest margin). Sensitive to credit quality and the cycle: loan-loss provisions rise in recessions. As a Spanish company, it depends on ECB policy, the Spanish risk premium, the eurozone cycle and, if it operates in Latin America, on emerging-market currencies (BRL, MXN).
How the score is calculated
The score combines profitability (ROE, ROA, net margin), growth (revenue and earnings), valuation (P/E, EV/EBITDA, free cash flow), financial strength (debt and liquidity; not applied to banks and insurers) and momentum (6 and 12-month returns and trend). It is an educational quantitative filter, not a buy or sell recommendation.