-1.11%
17.35%
21.20%
14.33%
27.76%
96.98%
137.47%
AI Spotlight on BBVA
Company Description
Banco 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.
Market Data
| Last Price | 11.09 |
| Change Percentage | -1.11% |
| Open | 11.23 |
| Previous Close | 11.21 |
| Market Cap ( Millions) | 63793 |
| Volume | 2821868 |
| Year High | 11.3 |
| Year Low | 8.46 |
| M A 50 | 9.7 |
| M A 200 | 9.56 |
Financial Ratios
| FCF Yield | 97.41% |
| Dividend Yield | 6.12% |
| ROE | 18.45% |
| Debt / Equity | 127.29% |
| Net Debt / EBIDTA | -305.20% |
| Price To Book | 1.25 |
| Price Earnings Ratio | 6.85 |
| Price To FCF | 1.03 |
| Price To sales | 1.41 |
| EV / EBITDA | 5.47 |
News
- Jan -30 - Banco Bilbao: Q4 Earnings Snapshot
- Jan -27 - Is Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) the Best European Bank Stock to Buy According to Analysts?
- Jan -16 - Top Dividend Stocks To Consider For Steady Income
- Jan -02 - Despite Fast-paced Momentum, Banco BBVA (BBAR) Is Still a Bargain Stock
- Jan -02 - Garanti BBVA’s to Provide Crypto Trading Services in Hint of Things to Come
- Dec -24 - BBVA takeover of Banco Sabadell clears ECB hurdle
- Dec -24 - Cofece approves BBVA’s acquisition of Sabadell’s Mexican units
- Dec -23 - BBVA gets approval to take over Sabadell's Mexican businesses
- Dec -18 - Discover Banco Bilbao Vizcaya Argentaria And 2 More Leading Dividend Stocks
- Dec -17 - Banco BBVA (BBAR) Is Attractively Priced Despite Fast-paced Momentum
- Nov -26 - How M&A is reshaping competition in European banking
- Nov -25 - Is Banco Bilbao Vizcaya Argentaria (BBVA) the Most Profitable European Stock?
- Nov -22 - Banco BBVA Argentina SA (BBAR) Q3 2024 Earnings Call Highlights: Navigating Challenges with ...
- Nov -21 - Six Months, Thousands of GPTs and Some Big Unknowns: Inside OpenAI’s Deal With BBVA
- Nov -21 - BBVA Proposes Measures to Get Sabadell Deal Approved
- Nov -19 - Discover Banco Bilbao Vizcaya Argentaria And 2 Leading Dividend Stocks
- Nov -15 - Heard on the Street: Europe’s Banking Consolidation Falters Before Getting Started
- Nov -13 - BBVA Could Walk Away From Sabadell Deal if Harsh Remedies Are Imposed, CEO Says
- Nov -12 - Analysis-BBVA's Sabadell bid mired in concerns over competition and Mexico
- Nov -12 - BBVA’s Bid for Sabadell Faces More In-Depth Review by Spanish Regulator
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banking and Insurance
Expected Growth : 6.4 %
What the company do ?
Banco Bilbao Vizcaya Argentaria, S.A. offers a range of banking and insurance products and services, including retail, corporate, and investment banking, as well as life and non-life insurance.
Why we expect these perspectives ?
BBVA's 6.4% growth in Banking and Insurance is driven by strong loan growth in Spain and Latin America, coupled with a significant increase in fee income from insurance and investment products. Additionally, the bank's digital transformation efforts have improved operational efficiency, contributing to the growth.
Segment n°2 -> Banking
Expected Growth : 4.55 %
What the company do ?
Banco Bilbao Vizcaya Argentaria, S.A. is a multinational Spanish banking group that provides a range of financial services, including retail, corporate, and investment banking.
Why we expect these perspectives ?
BBVA's 4.55% growth driven by strong loan growth in Mexico and South America, coupled with cost savings from digital transformation initiatives. Additionally, the bank's focus on customer experience and mobile banking has led to increased customer acquisition and retention, further boosting growth.
Segment n°3 -> Corporate Center
Expected Growth : 6.4 %
What the company do ?
The Corporate Center from Banco Bilbao Vizcaya Argentaria, S.A. is the central governing body that oversees and manages the overall strategy and operations of the bank.
Why we expect these perspectives ?
BBVA's Corporate Center growth of 6.4% is driven by strategic cost management, digital transformation, and revenue diversification. The center's focus on innovation, process efficiency, and risk management has led to improved profitability. Additionally, the bank's expansion into new markets, particularly in Latin America, has contributed to the growth.
Banco Bilbao Vizcaya Argentaria, S.A. Products
| Product Range | What is it ? |
|---|---|
| Retail Banking | Provides personal banking services to individuals and small businesses, including current and savings accounts, credit cards, personal loans, mortgages, and investment products. |
| Wholesale Banking | Offers corporate banking services to large corporations, including cash management, trade finance, and risk management solutions. |
| Asset Management | Provides investment management services to individuals, companies, and institutions, including mutual funds, pension plans, and wealth management. |
| Markets and Treasury | Offers market-making, sales, and trading services in fixed income, currencies, commodities, and equities, as well as treasury services. |
| BBVA Compass | Provides retail and commercial banking services in the United States, including consumer and business banking, credit cards, and wealth management. |
| Digital Banking | Offers online and mobile banking services, including digital wallets, payment systems, and fintech partnerships. |
Banco Bilbao Vizcaya Argentaria, S.A.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Banco Bilbao Vizcaya Argentaria, S.A. is medium due to the presence of alternative financial institutions and digital payment systems.
Bargaining Power Of Customers
The bargaining power of customers is low due to the lack of negotiating power of individual customers and the high switching costs.
Bargaining Power Of Suppliers
The bargaining power of suppliers is medium due to the presence of multiple suppliers and the bank's ability to negotiate prices.
Threat Of New Entrants
The threat of new entrants is low due to the high barriers to entry, including regulatory requirements and capital requirements.
Intensity Of Rivalry
The intensity of rivalry is high due to the presence of multiple competitors in the banking industry and the need to differentiate through innovative products and services.
Strength
Weaknesses
Opportunities
Threats
Capital Structure
| Value | |
|---|---|
| Debt Weight | 76.23% |
| Debt Cost | 11.40% |
| Equity Weight | 23.77% |
| Equity Cost | 11.40% |
| WACC | 11.40% |
| Leverage | 320.72% |
Banco Bilbao Vizcaya Argentaria, S.A. : Quality Control
Banco Bilbao Vizcaya Argentaria, S.A. passed 6 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| INGA.AS | ING Groep N.V., a financial institution, provides various banking products and services in the Netherlands, Belgium, Germany, Poland, Rest of Europe, North America, Latin America, Asia, and Australia. It operates … |
| UBSG.SW | UBS Group AG provides financial advice and solutions to private, institutional, and corporate clients worldwide. It operates through four divisions: Global Wealth Management, Personal & Corporate Banking, Asset Management, and … |
| NWG.L | NatWest Group plc, together with its subsidiaries, provides banking and financial products and services to personal, commercial, corporate, and institutional customers in the United Kingdom and internationally. It operates through … |
| HSBA.L | HSBC Holdings plc provides banking and financial services worldwide. The company operates through Wealth and Personal Banking, Commercial Banking, and Global Banking and Markets segments. The Wealth and Personal Banking … |
| BARC.L | Barclays PLC, through its subsidiaries, provides various financial products and services in the United Kingdom, Europe, the Americas, Africa, the Middle East, and Asia. The company operates through Barclays UK … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Barclays
A-Score
1-Year Total Return ->
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BBVA
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1-Year Total Return ->
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HSBC
A-Score
1-Year Total Return ->
4
NatWest
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1-Year Total Return ->
5
ING
A-Score
1-Year Total Return ->
6
