Bbva.Mc
BBVA is a financial institution operating in the banking sector, generating revenue through interest income and fees on a balance sheet of EUR 859.6 billion.
Business. Banco Bilbao Vizcaya Argentaria SA (BBVA.K) is a bank operating within the Banking & Investment Services industry. The company generates revenue primarily through interest income. It is listed on the NYSE under the ticker symbol BBVA.K. Specific details regarding operating segments and geographic presence are not provided.
Analyst recommendations
25 analysts · consensus BuyAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
- Congressional trades
- CongressJosh Gottheimer — Banco Bilbao Vizcaya Argentaria S.A.2025-03-13 · Democrat · NJ · Sale · $1,001 - $15,000
- CongressJosh Gottheimer — Banco Bilbao Vizcaya Argentaria S.A.2024-06-21 · Democrat · NJ · Sale · $1,001 - $15,000
Pre-earnings brief
Banco Bilbao Vizcaya Argentaria SA (BBVA.K) has undergone significant shifts in its shareholder base, marked by major modifications to existing holdings and the addition of new investors. These changes, detected between June and July 2026, reflect a dynamic realignment of capital interest in the bank, with several institutional investors adjusting their positions substantially. One notable change involves investor ID 587, who reduced their stake from 212,341 shares, valued at approximately $4.6 million, to just 11,390 shares, worth around $0.25 million, as of March 31, 2026. This sharp decrease suggests a potential loss of confidence or a strategic rebalancing by this particular holder, impacting the overall distribution of ownership. Conversely, investor ID 931 initially increased their position dramatically from 299 shares to 4,775,775 shares, valued at nearly $97.5 million, before subsequently reducing it back to 299 shares. This volatile activity indicates either a short-term trading strategy or a correction in reporting, highlighting the fluid nature of institutional interest in BBVA.K. Additionally, new investors have entered the picture, with investor ID 478 adding 386,841 shares and investor ID 475 acquiring a substantial 6,551,216 shares, valued at over $133 million. These additions suggest renewed interest from certain market participants, potentially signaling positive sentiment or strategic accumulation within the bank's shareholder structure. The bank currently has 28 top holders, reflecting a diverse ownership base.
Signals & dispatch
Composite-score breakdown
Synthesis
Banco Bilbao Vizcaya Argentaria SA (BBVA.K) is a bank operating within the Banking & Investment Services industry. The company generates revenue primarily through interest income. It is listed on the NYSE under the ticker symbol BBVA.K. Specific details regarding operating segments and geographic presence are not provided.
BBVA maintains a capital structure characterized by high leverage typical of the banking industry, with total liabilities of EUR 802.2 billion against total equity of EUR 57.4 billion. The debt-to-equity ratio stands at 2.04, reflecting the asset-liability management model inherent to banking operations. Liquidity is assessed as medium risk, with a key flag noting that net cash is negative after subtracting total debt. The company generates substantial operating cash flow of EUR 14.97 billion, which supports a free cash flow of EUR 6.64 billion after capital expenditures of EUR 1.81 billion.
Profitability metrics indicate strong returns on capital, with a return on equity (ROE) of 18.83% and a return on assets (ROA) of 1.26%. The company trades at a price-to-earnings ratio of 11.88 and a price-to-book ratio of 2.24, suggesting the market values its earnings power above book value. With net income of EUR 10.51 billion on revenue of EUR 26.28 billion, the net margin is approximately 40%, demonstrating efficient cost management and revenue generation.
Banco Bilbao Vizcaya Argentaria SA (BBVA.K) has undergone significant shifts in its shareholder base, marked by major modifications to existing holdings and the addition of new investors. These changes, detected between June and July 2026, reflect a dynamic realignment of capital interest in the bank, with several institutional investors adjusting their positions substantially. One notable change involves investor ID 587, who reduced their stake from 212,341 shares, valued at approximately $4.6 million, to just 11,390 shares, worth around $0.25 million, as of March 31, 2026. This sharp decrease suggests a potential loss of confidence or a strategic rebalancing by this particular holder, impacting the overall distribution of ownership. Conversely, investor ID 931 initially increased their position dramatically from 299 shares to 4,775,775 shares, valued at nearly $97.5 million, before subsequently reducing it back to 299 shares. This volatile activity indicates either a short-term trading strategy or a correction in reporting, highlighting the fluid nature of institutional interest in BBVA.K. Additionally, new investors have entered the picture, with investor ID 478 adding 386,841 shares and investor ID 475 acquiring a substantial 6,551,216 shares, valued at over $133 million. These additions suggest renewed interest from certain market participants, potentially signaling positive sentiment or strategic accumulation within the bank's shareholder structure. The bank currently has 28 top holders, reflecting a diverse ownership base.
- BBVA generates EUR 10.51 billion in net income on EUR 26.28 billion in revenue, yielding a robust net margin.
- The company trades at a P/E of 11.88 and P/B of 2.24, with an ROE of 18.83%, indicating efficient capital utilization.
- Liquidity risk is medium, driven by a negative net cash position after debt, consistent with banking leverage profiles.
- Dilution risk is low, with no difference between basic and diluted share counts.
- Analyst sentiment is moderately positive, with a mean recommendation of 2.44 and a median price target of EUR 22.10.
Bull / Bear case
Generated · model-assistedNet income grew at an 8.1% CAGR over four years, demonstrating consistent profitability expansion.
The company trades at a 2.36 price-to-book ratio, reflecting market confidence in its asset quality.
Free cash flow reached 6.2 billion euros in 2024, supporting strong liquidity generation capabilities.
Analysts maintain a buy recommendation with a mean price target near the current market price.
Debt-to-equity ratio of 1.86 is in the bottom quartile, indicating higher leverage than peers.
Total assets declined 17.2% year-over-year, signaling a contraction in the overall balance sheet size.
The company faces a medium level of liquidity risk according to internal risk flag assessments.
In focus — financials by report
Revenue €7.54B, +17,8% YoY; Net income +10,8% YoY.
- ▍Revenue €7.54B, +17,8% YoY
- ▍Net income +10,8% YoY
- ▍Free cash flow +7,2% YoY
- ▍Net margin 39.7%
Revenue €7.03B, +9,8% YoY; Net income +4,2% YoY.
- ▍Revenue €7.03B, +9,8% YoY
- ▍Net income +4,2% YoY
- ▍Free cash flow −23,6% YoY
- ▍Net margin 36.0%
Revenue €6.64B, +13,1% YoY; Net income −3,7% YoY.
- ▍Revenue €6.64B, +13,1% YoY
- ▍Net income −3,7% YoY
- ▍Free cash flow +0,0% YoY
- ▍Net margin 38.1%
Revenue €6.21B, −4,2% YoY; Net income −1,6% YoY.
- ▍Revenue €6.21B, −4,2% YoY
- ▍Net income −1,6% YoY
- ▍Free cash flow −80,7% YoY
- ▍Net margin 44.3%
Revenue €6.40B; Net margin 42.2%.
- ▍Revenue €6.40B
- ▍Net margin 42.2%
Revenue €6.41B; Net margin 38.0%.
- ▍Revenue €6.41B
- ▍Net margin 38.0%
Revenue €5.87B; Net margin 44.8%.
- ▍Revenue €5.87B
- ▍Net margin 44.8%
Revenue €6.48B; Net margin 43.1%.
- ▍Revenue €6.48B
- ▍Net margin 43.1%
Revenue €26.28B, +4,0% YoY; Net income +4,6% YoY.
- ▍Revenue €26.28B, +4,0% YoY
- ▍Net income +4,6% YoY
- ▍Free cash flow +7,5% YoY
- ▍Net margin 40.0%
Revenue €25.27B, +9,4% YoY; Net income +25,4% YoY.
- ▍Revenue €25.27B, +9,4% YoY
- ▍Net income +25,4% YoY
- ▍Free cash flow +19,0% YoY
- ▍Net margin 39.8%
Revenue €23.09B, +20,7% YoY; Net income +26,1% YoY.
- ▍Revenue €23.09B, +20,7% YoY
- ▍Net income +26,1% YoY
- ▍Free cash flow +50,0% YoY
- ▍Net margin 34.7%
Revenue €19.12B, +30,2% YoY; Net income +36,6% YoY.
- ▍Revenue €19.12B, +30,2% YoY
- ▍Net income +36,6% YoY
- ▍Free cash flow −26,3% YoY
- ▍Net margin 33.2%
Valuation TTM
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 2,03 |
| Revenue | —no estimate | —no estimate | 41,5B EUR |
| Operating income | —no estimate | —no estimate | 23,7B EUR |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Reference data
- Cash Conversion Ratiooperating_cash_flow / net_income
- Market Priceinput from market-data provider (delayed close or quote-shim mid)
- Ev To Revenueenterprise_value / revenue
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Equitynet_income / total_equity
- Market Capmarket_price * shares_outstanding_diluted
- Banco Bilbao Vizcaya Argentaria SA Market data — financials · 2026-07-29
- Banco Bilbao Vizcaya Argentaria SA Market data — analyst estimates · 2026-07-29
- Banco Bilbao Vizcaya Argentaria SA Market data — ESG · 2026-07-29
Ownership & reference
Leadership
- Carlos Torres VilaExecutive Chairman of the Board
- Onur GencChief Executive Officer, Executive Director