Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is a publicly traded company in the Financial Services — Banks - Diversified industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
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.
Is Banco Bilbao Vizcaya Argentaria, S.A. stock overvalued or undervalued in 2026?
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) trades at 11.6× earnings (P/E), against a median of 13.0× across the 324 financial services companies above $2bn in Kaplio's universe. At a P/B justified by its ROTCE del 17,8 % (2.0×) $24 (-5 %); at its peers' median (1.6×) $19 (-23 %).
Kaplio overview: Banco Bilbao Vizcaya Argentaria, S.A.
Market cap $139B · 52 weeks $20 – $30 (16 % below the high) · P/E 11.6× · 2027 expected P/E 9.3× · Dividend 4.3 % · 4 years rising · Next earnings October 29, 2026 · expected EPS $0.62 · Closing price, Oct 28 · accounts published Jul 30.
- Valuation: P/B 2.1× (fairly priced).
- Business: ROTCE 17.8 % (excellent).
- Balance sheet: Capital/assets 6.7 % (fragile).
- Earnings: 6 of 8 (on track).
What would it be worth at its usual multiples?
At a P/B justified by its ROTCE del 17,8 % (2.0×) $24 (-5 %); at its peers' median (1.6×) $19 (-23 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
What matters in banking: 3 of 5 pass
- Equity / Assets (Tier 1 proxy) 6.7 %, fails.
- P/B (Price / Book) 2.1×, borderline.
- ROA 1.2 %, passes.
- ROTCE 17.8 %, passes.
- Sustainable dividend yield 4.3 %, passes.
Against its peers (reference peers) — Banco Bilbao Vizcaya Argentaria, S.A.: P/E 11.6×; P/B 2.1×; ROE 19.3 %; $139B. UBS Group AG (P/E 16.5×; P/B 1.6×; ROE 10.3 %; $143B), Banco Santander, S.A. (P/E 10.2×; P/B 1.5×; ROE 15.5 %; $170B), ING Groep N.V. (P/E 12.8×; P/B 1.7×; ROE 13.4 %; $93.4B).
Expensive or cheap against its last ten fiscal years?
Precio / valor contable at each close: today 2.1× · median 0.9× · minimum 0.3× · maximum 2.5× · cheap below 0.7× · expensive above 1.2×. It has been cheaper than today 94% of the time over its last ten fiscal years.
Dividend
solid · Yield 4.3 % ($0.78 per ADS in 2025) · Years raising it 4 · 5-year growth +34 % a year · Free cash flow coverage payout 40 % · With $1,000 invested today you'd collect $43.20 a year ($3.60 a month).
Investor methods verdict
Would Peter Lynch approve Banco Bilbao Vizcaya Argentaria today?
The Lynch Method would not approve Banco Bilbao Vizcaya Argentaria today: it fails its quality rules. Business quality: 54 out of 100 (price not included). Lynch classifies it as an asset play. Kaplio assessment with data from the week of 2026-10-26; not investment advice.
Profitability
| Return on Equity | 19.31% |
| Return on Invested Capital | 4.38% |
| Return on Assets | 1.15% |
| Gross Margin | 83.29% |
| Operating Margin | 42.66% |
| Net Margin | 27.28% |
Financial Health
| Debt / Equity | 1.80 |
| Current Ratio | 0.47 |
| Piotroski F-Score | 6 |
| Altman Z-Score | -0.30 |
Compare it with
Price Performance
| 1 month | -12.67% |
| 3 months | -10.52% |
| Year-to-date | +7.29% |
| 1 year | +23.20% |
| 3 years | +216.18% |
| 5 years | +258.82% |
| 10 years | +246.88% |
Dividend History
Paid in the last 12 months: $1.4946 per share in 3 payments.
| Date | Amount |
|---|---|
| 2026-10-14 | $0.4168 |
| 2026-04-09 | $0.7084 |
| 2025-11-06 | $0.3695 |
| 2025-04-09 | $0.4584 |
| 2024-10-09 | $0.3244 |
| 2024-04-08 | $0.4253 |
| 2023-10-06 | $0.1695 |
| 2023-04-03 | $0.3333 |
| 2022-10-07 | $0.1168 |
| 2022-04-06 | $0.2611 |
Amounts adjusted for stock splits.
Related companies: JPM · BAC · HSBC · C · MUFG · SAN · UBS · ING
Explore sector: Financial Services · Banks - Diversified
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