Symbols / BBVA $21.82 -0.46% Banco Bilbao Vizcaya Argentaria, S.A.

Financial Services • Banks - Diversified • Spain • NYQ
BBVA Chart
About

Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides various financial services in Spain, Mexico, Turkey, South America, Europe, the United States, and Asia. The company offers traditional retail, wholesale, investment, and transaction banking. It also engages in financial, insurance, asset management, and capital markets businesses, as well as digital banking. The company was formerly known as Banco Bilbao Vizcaya, S.A. and changed its name to Banco Bilbao Vizcaya Argentaria, S.A. in January 2000. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.

Fundamentals
Scroll to Statements
Sector Financial Services Industry Banks - Diversified Market Cap 122.93B
Enterprise Value 133.44B Income 10.11B Sales 31.65B
Book/sh 11.66 Cash/sh 26.09 Dividend Yield 4.92%
Payout 41.01% Employees 123193 IPO —
P/E 10.70 Forward P/E 9.86 PEG —
P/S 3.88 P/B 1.87 P/C —
EV/EBITDA — EV/Sales 4.22 Quick Ratio —
Current Ratio — Debt/Eq — LT Debt/Eq —
EPS (ttm) 2.04 EPS next Y 2.21 EPS Growth 5.40%
Revenue Growth 0.30% Earnings 2026-04-30 ROA 1.36%
ROE 18.27% ROIC — Gross Margin 0.00%
Oper. Margin 50.90% Profit Margin 33.21% Shs Outstand 5.63B
Shs Float 5.65B Short Float 0.04% Short Ratio 0.84
Short Interest — 52W High 26.20 52W Low 11.59
Beta 0.92 Avg Volume 2.23M Volume 1.49M
Target Price $23.22 Recom Hold Prev Close $21.92
Price $21.82 Change -0.46%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$23.22
Mean price target
2. Current target
$21.82
Latest analyst target
3. DCF / Fair value
$30.60
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$21.82
Low
$20.00
High
$28.56
Mean
$23.22

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-08-07 up Barclays Equal-Weight → Overweight —
2021-08-13 up Berenberg Sell → Hold —
2021-03-04 down Barclays Overweight → Equal-Weight —
2021-02-25 up Jefferies Hold → Buy —
2016-11-09 down Jefferies Buy → Hold —
2016-10-19 up RBC Capital Sector Perform → Outperform —
2016-09-06 up Barclays Underweight → Equal-Weight —
2016-03-07 init UBS — → Sell —
2016-02-10 up Exane BNP Paribas Underperform → Outperform —
2016-01-05 up RBC Capital Underperform → Sector Perform —
2015-04-20 down Goldman Sachs Buy → Neutral —
2015-01-20 up Citigroup — → Buy —
2014-11-24 up B of A Securities Underperform → Neutral $10
2014-10-15 up Deutsche Bank Hold → Buy —
2013-11-25 down B of A Securities Neutral → Underperform —
2013-10-29 down B of A Securities Neutral → Underperform —
2013-07-22 up UBS Neutral → Buy —
2013-05-15 down HSBC Neutral → Underweight —
2013-05-09 up Societe Generale Hold → Buy —
2013-02-04 up UBS Sell → Neutral —
News
RSS: Latest BBVA news
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
39,415.00
+0.46%
39,235.00
+17.38%
33,427.00
+19.11%
28,065.00
Operating Revenue
39,415.00
+0.46%
39,235.00
+17.38%
33,427.00
+19.11%
28,065.00
Selling General And Administration
12,587.00
+2.83%
12,240.00
+11.46%
10,982.00
+15.94%
9,472.00
Selling And Marketing Expense
564.00
+27.89%
441.00
+26.36%
349.00
+31.20%
266.00
General And Administrative Expense
12,023.00
+1.90%
11,799.00
+10.97%
10,633.00
+15.50%
9,206.00
Salaries And Wages
7,775.00
+1.47%
7,662.00
+16.78%
6,561.00
+19.03%
5,512.00
Other Gand A
3,592.00
+2.60%
3,501.00
+14.60%
3,055.00
+13.27%
2,697.00
Reconciled Depreciation
1,521.00
-0.78%
1,533.00
+9.27%
1,403.00
+5.65%
1,328.00
Total Unusual Items
-1,030.00
+50.24%
-2,070.00
+11.61%
-2,342.00
-9.13%
-2,146.00
Total Unusual Items Excluding Goodwill
-1,030.00
+50.24%
-2,070.00
+11.61%
-2,342.00
-9.13%
-2,146.00
Special Income Charges
-935.00
+52.56%
-1,971.00
+12.59%
-2,255.00
-6.67%
-2,114.00
Other Special Charges
955.00
-51.42%
1,966.00
-9.73%
2,178.00
+14.81%
1,897.00
Impairment Of Capital Assets
9.00
+164.29%
-14.00
-133.33%
42.00
+250.00%
-28.00
Restructuring And Mergern Acquisition
0.00
0.00
0.00
0.00
Write Off
7.00
-78.79%
33.00
-47.62%
63.00
-73.08%
234.00
Net Income
10,511.00
+4.55%
10,054.00
+25.38%
8,019.00
+26.12%
6,358.00
Pretax Income
16,227.00
+5.34%
15,405.00
+24.04%
12,419.00
+20.95%
10,268.00
Net Interest Income
26,280.00
+4.01%
25,267.00
+9.43%
23,089.00
+20.73%
19,124.00
Interest Expense
32,065.00
-11.89%
36,393.00
+46.98%
24,761.00
+101.18%
12,308.00
Interest Income
58,346.00
-5.37%
61,659.00
+28.86%
47,850.00
+52.23%
31,432.00
Gain On Sale Of Security
714.00
+1.71%
702.00
+56.00%
450.00
+1116.22%
37.00
Gain On Sale Of Business
36.00
+157.14%
14.00
-50.00%
28.00
+354.55%
-11.00
Tax Provision
5,100.00
+5.59%
4,830.00
+20.66%
4,003.00
+14.21%
3,505.00
Tax Rate For Calcs
0.00
+0.00%
0.00
-2.48%
0.00
-5.67%
0.00
Tax Effect Of Unusual Items
-323.42
+50.24%
-649.98
+13.81%
-754.12
-2.95%
-732.54
Net Income Including Noncontrolling Interests
11,126.00
+5.21%
10,575.00
+25.65%
8,416.00
+24.44%
6,763.00
Net Income From Continuing Operation Net Minority Interest
10,511.00
+4.55%
10,054.00
+25.38%
8,019.00
+26.12%
6,358.00
Net Income From Continuing And Discontinued Operation
10,511.00
+4.55%
10,054.00
+25.38%
8,019.00
+26.12%
6,358.00
Net Income Continuous Operations
11,126.00
+5.21%
10,575.00
+25.65%
8,416.00
+24.44%
6,763.00
Net Income Discontinuous Operations
0.00
0.00
0.00
0.00
Minority Interests
-615.00
-18.04%
-521.00
-31.23%
-397.00
+1.98%
-405.00
Normalized Income
11,217.58
-2.23%
11,474.02
+19.44%
9,606.88
+23.62%
7,771.46
Net Income Common Stockholders
10,114.00
+4.63%
9,666.00
+25.94%
7,675.00
+26.96%
6,045.00
Otherunder Preferred Stock Dividend
397.00
+2.32%
388.00
+12.79%
344.00
+9.90%
313.00
Diluted EPS
1.76
+4.76%
1.68
+30.23%
1.29
+31.63%
0.98
Basic EPS
1.76
+4.76%
1.68
+30.23%
1.29
+31.63%
0.98
Basic Average Shares
5,748.00
-0.36%
5,769.00
-3.11%
5,954.00
-3.80%
6,189.00
Diluted Average Shares
5,748.00
-0.36%
5,769.00
-3.11%
5,954.00
-3.80%
6,189.00
Diluted NI Availto Com Stockholders
10,114.00
+4.63%
9,666.00
+25.94%
7,675.00
+26.96%
6,045.00
Amortization
575.00
+2.50%
561.00
+4.66%
536.00
+5.10%
510.00
Amortization Of Intangibles Income Statement
575.00
+2.50%
561.00
+4.66%
536.00
+5.10%
510.00
Depreciation Amortization Depletion Income Statement
1,521.00
-0.78%
1,533.00
+9.27%
1,403.00
+5.65%
1,328.00
Depreciation And Amortization In Income Statement
1,521.00
-0.78%
1,533.00
+9.27%
1,403.00
+5.65%
1,328.00
Depreciation Income Statement
946.00
-2.67%
972.00
+12.11%
867.00
+5.99%
818.00
Insurance And Claims
656.00
+3.14%
636.00
-37.46%
1,017.00
+2.01%
997.00
Occupancy And Equipment
561.00
-2.77%
577.00
+10.96%
520.00
+18.18%
440.00
Other Non Interest Expense
1,434.00
-26.20%
1,943.00
+37.51%
1,413.00
+31.56%
1,074.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
859,576.00
+11.29%
772,402.00
-0.41%
775,558.00
+8.91%
712,092.00
Cash And Cash Equivalents
69,887.00
+16.71%
59,881.00
-26.31%
81,263.00
-3.55%
84,250.00
Cash Financial
8,050.00
-6.79%
8,636.00
+11.42%
7,751.00
+18.64%
6,533.00
Other Short Term Investments
58,361.00
-1.04%
58,977.00
-5.15%
62,180.00
-4.85%
65,348.00
Receivables
16,709.00
+2.62%
16,282.00
+18.92%
13,691.00
+14.00%
12,010.00
Accounts Receivable
—
31,693.00
+26.29%
25,096.00
-3.43%
25,987.00
Other Receivables
16,709.00
+2.62%
16,282.00
+18.92%
13,691.00
+14.00%
12,010.00
Prepaid Assets
—
—
—
—
Net PPE
9,246.00
-2.74%
9,506.00
+5.07%
9,047.00
+7.17%
8,442.00
Gross PPE
17,257.00
+1.07%
17,075.00
+6.45%
16,040.00
+9.61%
14,634.00
Accumulated Depreciation
-8,011.00
-5.84%
-7,569.00
-8.24%
-6,993.00
-12.94%
-6,192.00
Properties
6,377.00
-1.51%
6,475.00
+1.09%
6,405.00
+2.40%
6,255.00
Machinery Furniture Equipment
7,029.00
+2.64%
6,848.00
+6.60%
6,424.00
+10.13%
5,833.00
Construction In Progress
83.00
-46.45%
155.00
-22.11%
199.00
+113.98%
93.00
Other Properties
3,768.00
+4.75%
3,597.00
+19.42%
3,012.00
+22.79%
2,453.00
Goodwill And Other Intangible Assets
2,855.00
+14.66%
2,490.00
+5.37%
2,363.00
+9.60%
2,156.00
Goodwill
715.00
+2.14%
700.00
-11.95%
795.00
+12.45%
707.00
Other Intangible Assets
2,140.00
+19.55%
1,790.00
+14.16%
1,568.00
+8.21%
1,449.00
Investments And Advances
185,218.00
+12.44%
164,720.00
+6.15%
155,178.00
+11.46%
139,227.00
Long Term Equity Investment
994.00
+0.51%
989.00
+1.33%
976.00
+6.55%
916.00
Total Liabilities Net Minority Interest
797,780.00
+11.99%
712,389.00
-1.10%
720,293.00
+8.88%
661,574.00
Payables And Accrued Expenses
23,738.00
+19.12%
19,927.00
+15.22%
17,295.00
+3.61%
16,693.00
Payables
20,275.00
+20.25%
16,861.00
+16.95%
14,417.00
+2.26%
14,098.00
Other Payable
18,795.00
+15.41%
16,286.00
+20.29%
13,539.00
+6.75%
12,683.00
Current Accrued Expenses
3,463.00
+12.95%
3,066.00
+6.53%
2,878.00
+10.91%
2,595.00
Employee Benefits
2,599.00
-4.87%
2,732.00
-9.12%
3,006.00
-2.97%
3,098.00
Total Tax Payable
1,480.00
+157.39%
575.00
-34.51%
878.00
-37.95%
1,415.00
Income Tax Payable
1,480.00
+157.39%
575.00
-34.51%
878.00
-37.95%
1,415.00
Current Debt And Capital Lease Obligation
227.00
+29.71%
175.00
-25.85%
236.00
+66.20%
142.00
Current Capital Lease Obligation
227.00
+29.71%
175.00
-25.85%
236.00
+66.20%
142.00
Long Term Debt And Capital Lease Obligation
89,075.00
+17.31%
75,930.00
+2.34%
74,192.00
+23.41%
60,116.00
Long Term Debt
87,839.00
+17.96%
74,463.00
+2.45%
72,685.00
+23.79%
58,718.00
Long Term Capital Lease Obligation
1,236.00
-15.75%
1,467.00
-2.65%
1,507.00
+7.80%
1,398.00
Long Term Provisions
1,018.00
-7.12%
1,096.00
-10.31%
1,222.00
+6.26%
1,150.00
Non Current Pension And Other Postretirement Benefit Plans
2,267.00
-3.45%
2,348.00
-8.67%
2,571.00
-2.32%
2,632.00
Non Current Deferred Liabilities
2,540.00
+3.34%
2,458.00
+46.57%
1,677.00
+10.33%
1,520.00
Non Current Deferred Taxes Liabilities
2,540.00
+3.34%
2,458.00
+46.57%
1,677.00
+10.33%
1,520.00
Stockholders Equity
57,355.00
+3.06%
55,654.00
+7.65%
51,701.00
+10.25%
46,895.00
Common Stock Equity
57,355.00
+3.06%
55,654.00
+7.65%
51,701.00
+10.25%
46,895.00
Capital Stock
2,797.00
-0.96%
2,824.00
-1.29%
2,861.00
-3.18%
2,955.00
Common Stock
2,797.00
-0.96%
2,824.00
-1.29%
2,861.00
-3.18%
2,955.00
Share Issued
5,708.97
-0.94%
5,763.29
-1.35%
5,842.33
-3.11%
6,030.12
Ordinary Shares Number
5,691.36
-1.13%
5,756.62
-1.39%
5,837.94
-3.10%
6,024.63
Treasury Shares Number
17.61
+164.12%
6.67
+51.98%
4.39
-20.03%
5.49
Additional Paid In Capital
18,469.00
-3.73%
19,184.00
-2.96%
19,769.00
-5.21%
20,856.00
Retained Earnings
56,857.00
+12.04%
50,747.00
+14.67%
44,256.00
+13.28%
39,069.00
Gains Losses Not Affecting Retained Earnings
-20,509.00
-20.11%
-17,075.00
-12.40%
-15,191.00
+5.17%
-16,019.00
Treasury Stock
299.00
+353.03%
66.00
+94.12%
34.00
+17.24%
29.00
Minority Interest
4,441.00
+1.88%
4,359.00
+22.31%
3,564.00
-1.63%
3,623.00
Other Equity Adjustments
-4,581.00
-151.01%
-1,825.00
-45.53%
-1,254.00
-604.49%
-178.00
Total Equity Gross Minority Interest
61,796.00
+2.97%
60,013.00
+8.59%
55,265.00
+9.40%
50,518.00
Total Capitalization
145,194.00
+11.59%
130,117.00
+4.61%
124,386.00
+17.78%
105,613.00
Invested Capital
145,194.00
+11.59%
130,117.00
+4.61%
124,386.00
+17.78%
105,613.00
Total Debt
89,302.00
+17.61%
75,930.00
+2.34%
74,192.00
+23.41%
60,116.00
Net Debt
17,952.00
+23.11%
14,582.00
—
—
Capital Lease Obligations
1,463.00
-0.27%
1,467.00
-2.65%
1,507.00
+7.80%
1,398.00
Net Tangible Assets
54,500.00
+2.51%
53,164.00
+7.75%
49,338.00
+10.28%
44,739.00
Tangible Book Value
54,500.00
+2.51%
53,164.00
+7.75%
49,338.00
+10.28%
44,739.00
Available For Sale Securities
85,116.00
+21.53%
70,039.00
+18.98%
58,864.00
+33.20%
44,192.00
Cash Cash Equivalents And Federal Funds Sold
125,963.00
+18.97%
105,882.00
-34.43%
161,479.00
+23.01%
131,268.00
Derivative Product Liabilities
32,278.00
-9.23%
35,562.00
-0.30%
35,670.00
-13.45%
41,212.00
Fixed Assets Revaluation Reserve
0.00
0.00
0.00
0.00
Foreign Currency Translation Adjustments
-13,340.00
-5.02%
-12,702.00
-11.24%
-11,419.00
+12.69%
-13,078.00
Minimum Pension Liabilities
-1,396.00
-30.83%
-1,067.00
-1.72%
-1,049.00
-38.03%
-760.00
Other Equity Interest
40.00
+0.00%
40.00
+0.00%
40.00
-36.51%
63.00
Trading Securities
40,747.00
+17.38%
34,715.00
+4.70%
33,158.00
+15.25%
28,771.00
Unrealized Gain Loss
-1,192.00
+19.51%
-1,481.00
-0.82%
-1,469.00
+26.66%
-2,003.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
14,968.00
+182.29%
-18,190.00
-2422.88%
-721.00
-103.04%
23,718.00
Cash Flow From Continuing Operating Activities
14,969.00
+182.29%
-18,190.00
-2419.39%
-722.00
-103.04%
23,719.00
Net Income From Continuing Operations
11,126.00
+5.21%
10,575.00
+25.65%
8,416.00
+24.44%
6,763.00
Depreciation Amortization Depletion
1,521.00
-0.78%
1,533.00
+9.27%
1,403.00
+5.65%
1,328.00
Depreciation
946.00
-2.67%
972.00
+12.11%
867.00
+5.99%
818.00
Amortization Cash Flow
575.00
+2.50%
561.00
+4.66%
536.00
+5.10%
510.00
Depreciation And Amortization
1,521.00
-0.78%
1,533.00
+9.27%
1,403.00
+5.65%
1,328.00
Amortization Of Intangibles
575.00
+2.50%
561.00
+4.66%
536.00
+5.10%
510.00
Other Non Cash Items
12,854.00
-3.24%
13,284.00
+23.60%
10,748.00
+3.18%
10,417.00
Change In Working Capital
-7,205.00
+81.01%
-37,951.00
-138.16%
-15,935.00
-288.71%
8,444.00
Change In Other Working Capital
-6,527.00
+81.97%
-36,203.00
-136.33%
-15,319.00
-270.04%
9,009.00
Change In Other Current Assets
672.00
+131.40%
-2,140.00
-549.58%
476.00
+186.86%
-548.00
Change In Other Current Liabilities
-1,350.00
-444.39%
392.00
+135.90%
-1,092.00
-6323.53%
-17.00
Investing Cash Flow
-1,403.00
+1.41%
-1,423.00
-0.28%
-1,419.00
+63.72%
-3,911.00
Cash Flow From Continuing Investing Activities
-1,403.00
+1.41%
-1,423.00
-0.21%
-1,420.00
+63.68%
-3,910.00
Net PPE Purchase And Sale
-744.00
+31.81%
-1,091.00
-5.21%
-1,037.00
+41.84%
-1,783.00
Purchase Of PPE
-827.00
+30.79%
-1,195.00
-5.85%
-1,129.00
+37.69%
-1,812.00
Sale Of PPE
83.00
-20.19%
104.00
+13.04%
92.00
+217.24%
29.00
Capital Expenditure
-1,806.00
+10.19%
-2,011.00
-10.56%
-1,819.00
+25.51%
-2,442.00
Net Investment Purchase And Sale
82.00
+164.52%
31.00
+188.57%
-35.00
-176.09%
46.00
Purchase Of Investment
-1.00
+0.00%
-1.00
+98.92%
-93.00
-14.81%
-81.00
Sale Of Investment
83.00
+159.38%
32.00
-44.83%
58.00
-54.33%
127.00
Net Business Purchase And Sale
50.00
+11.11%
45.00
+114.29%
21.00
+101.51%
-1,389.00
Purchase Of Business
0.00
+100.00%
-28.00
0.00
+100.00%
-1,389.00
Net Intangibles Purchase And Sale
-979.00
-19.98%
-816.00
-18.26%
-690.00
-9.52%
-630.00
Purchase Of Intangibles
-979.00
-19.98%
-816.00
-18.26%
-690.00
-9.52%
-630.00
Net Other Investing Changes
188.00
-53.92%
408.00
+26.71%
322.00
+307.74%
-155.00
Financing Cash Flow
-3,673.00
-43.09%
-2,567.00
-39.36%
-1,842.00
+75.64%
-7,563.00
Cash Flow From Continuing Financing Activities
-3,674.00
-43.07%
-2,568.00
-39.41%
-1,842.00
+75.64%
-7,563.00
Net Issuance Payments Of Debt
2,340.00
-19.73%
2,915.00
-4.21%
3,043.00
+234.77%
-2,258.00
Issuance Of Debt
4,987.00
-9.56%
5,514.00
+18.02%
4,672.00
0.00
Repayment Of Debt
-2,647.00
-1.85%
-2,599.00
-59.55%
-1,629.00
+27.86%
-2,258.00
Long Term Debt Issuance
4,987.00
-9.56%
5,514.00
+18.02%
4,672.00
0.00
Long Term Debt Payments
-2,647.00
-1.85%
-2,599.00
-59.55%
-1,629.00
+27.86%
-2,258.00
Net Long Term Debt Issuance
2,340.00
-19.73%
2,915.00
-4.21%
3,043.00
+234.77%
-2,258.00
Net Common Stock Issuance
-1,238.00
-47.73%
-838.00
+42.41%
-1,455.00
+42.92%
-2,549.00
Common Stock Payments
-1,995.00
-30.48%
-1,529.00
+29.41%
-2,166.00
+27.39%
-2,983.00
Common Stock Dividend Paid
-4,196.00
-7.23%
-3,913.00
-39.35%
-2,808.00
-28.51%
-2,185.00
Cash Dividends Paid
-4,196.00
-7.23%
-3,913.00
-39.35%
-2,808.00
-28.51%
-2,185.00
Repurchase Of Capital Stock
-1,995.00
-30.48%
-1,529.00
+29.41%
-2,166.00
+27.39%
-2,983.00
Net Other Financing Charges
-579.00
+20.79%
-731.00
-17.52%
-622.00
-8.93%
-571.00
Changes In Cash
9,892.00
+144.60%
-22,180.00
-457.01%
-3,982.00
-132.52%
12,244.00
Effect Of Exchange Rate Changes
-2,201.00
-5.26%
-2,091.00
-485.71%
-357.00
-23.96%
-288.00
Beginning Cash Position
51,145.00
-32.18%
75,416.00
-5.44%
79,756.00
+17.64%
67,799.00
End Cash Position
58,837.00
+15.04%
51,145.00
-32.18%
75,416.00
-5.44%
79,756.00
Free Cash Flow
13,162.00
+165.16%
-20,201.00
-695.31%
-2,540.00
-111.94%
21,276.00
Common Stock Issuance
757.00
+9.55%
691.00
-2.81%
711.00
+63.82%
434.00
Issuance Of Capital Stock
757.00
+9.55%
691.00
-2.81%
711.00
+63.82%
434.00
Sale Of Business
50.00
-31.51%
73.00
+247.62%
21.00
0.00
Sale Of Intangibles
0.00
0.00
0.00
0.00
Taxes Refund Paid
-3,328.00
+40.90%
-5,631.00
-5.19%
-5,353.00
-65.52%
-3,234.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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