Banco Bilbao Vizcaya Argentaria, S.A. (BBVXF) is set to report earnings on April 30, 2026. The Spanish banking giant operates across retail, wholesale, and asset management sectors globally. With a $131.36 billion market cap and 5.65 billion shares outstanding, BBVXF remains a major player in diversified banking. The stock currently trades at $24.05, up 2.61% today. Meyka AI rates BBVXF with a grade of B+, reflecting solid fundamentals. Investors are watching closely as the bank navigates evolving interest rates and economic conditions across its international markets.
BBVXF Stock Performance and Valuation
BBVXF has shown strong momentum recently, gaining 2.61% today and 15.90% over the past month. The stock trades at $24.05, near its 50-day average of $22.41. Year-to-date performance is slightly negative at -2.08%, but the one-year return stands impressive at 85.14%.
Price Momentum and Technical Setup
The stock’s 52-week range spans $12.99 to $26.75, showing significant volatility. Current trading volume is 7,390 shares, below the average of 12,803, suggesting lighter activity. The RSI of 56.22 indicates neutral momentum, neither overbought nor oversold. Bollinger Bands show the stock trading near the middle band at $22.12, with upper resistance at $24.39.
Valuation Metrics
BBVXF trades at a P/E ratio of 11.31, well below the S&P 500 average, suggesting relative value. The price-to-book ratio of 2.07 reflects a modest premium to tangible assets. With EPS of $2.06 and a dividend yield of 4.63%, the stock appeals to income-focused investors seeking both growth and yield.
Recent Earnings Track Record
BBVXF has delivered mixed results over the past four quarters, showing inconsistent performance against estimates. The bank’s earnings history reveals both beats and misses, reflecting operational challenges and market volatility.
Q4 2025 Results (February 2026)
In the most recent quarter, BBVXF reported EPS of $0.505 versus an estimate of $0.506, missing by just $0.001 per share. Revenue came in at $11.50 billion, beating the estimate of $11.47 billion by $37.7 million. This quarter showed the bank’s ability to drive top-line growth despite slight earnings pressure.
Q3 2025 Results (October 2025)
The prior quarter saw a more significant miss. BBVXF reported EPS of $0.4928 against an estimate of $0.514, missing by $0.0212 per share or 4.1%. Revenue of $10.68 billion beat estimates of $10.38 billion by $304 million. This pattern shows revenue strength but earnings compression.
Q2 2025 Results (July 2025)
This quarter delivered an earnings beat. BBVXF reported EPS of $0.54 versus an estimate of $0.4845, beating by $0.0555 per share or 11.5%. However, revenue of $10.26 billion missed the estimate of $10.37 billion by $113.9 million. The earnings beat offset revenue weakness.
Q1 2025 Results (April 2025)
The oldest quarter in the history showed mixed results. BBVXF reported EPS of $0.4933 against an estimate of $0.455, beating by $0.0383 per share or 8.4%. Revenue of $8.90 billion missed the estimate of $9.94 billion by $1.04 billion or 10.5%. This significant revenue miss raised concerns about operational challenges.
Financial Health and Key Metrics
BBVXF demonstrates solid financial fundamentals with strong cash generation and reasonable leverage. The bank’s balance sheet supports its dividend and growth initiatives across global markets.
Profitability and Returns
The bank generates $7.58 in revenue per share and $1.74 in net income per share on a trailing basis. Return on equity stands at 18.53%, indicating efficient use of shareholder capital. Return on assets of 1.22% reflects solid asset productivity. The net profit margin of 22.98% shows strong cost control and pricing power in the banking sector.
Cash Flow Strength
Operating cash flow per share reaches $19.10, while free cash flow per share is $18.89. This robust cash generation supports the $0.91 dividend per share and provides flexibility for capital deployment. The dividend payout ratio of 39.92% leaves room for growth or special distributions.
Balance Sheet Position
The bank maintains $25.33 in cash per share and a debt-to-equity ratio of 1.43. The current ratio of 0.24 is typical for banks with strong deposit bases. Interest coverage of 1.24x indicates manageable debt service, though not exceptionally strong. The bank’s leverage is moderate for the financial services sector.
Growth Outlook and Market Implications
BBVXF shows encouraging growth trends with strong year-over-year expansion in key metrics. The bank’s diversified geographic footprint and digital capabilities position it well for future earnings growth.
Revenue and Earnings Growth
Full-year 2024 revenue grew 29.97% year-over-year, demonstrating strong top-line momentum. Net income expanded 25.38%, showing earnings growth outpaced by revenue gains. EPS grew 30.23%, benefiting from modest share buybacks. These growth rates significantly exceed typical banking sector expansion.
Long-Term Growth Trajectory
Over five years, BBVXF has grown revenue per share at 2.59% annually, while net income per share grew 2.16% annually. Dividend per share expanded 1.01% annually, reflecting conservative capital allocation. Three-year metrics show acceleration, with revenue per share growing 1.56% annually and net income per share up 1.30% annually.
Forward Guidance and Forecasts
Analysts project monthly price targets of $23.96 and quarterly targets of $28.49. The one-year price forecast stands at $34.95, implying 45% upside from current levels. Five-year forecasts reach $84.53, suggesting strong long-term value creation potential for patient investors.
Final Thoughts
BBVXF is a quality financial institution with a $131.36 billion market cap and B+ rating. The bank shows strong revenue but inconsistent earnings, missing in Q3 2025 and Q1 2025 while beating in Q2 2025 and Q4 2025. Its 11.31 P/E ratio and 4.63% dividend yield attract value investors. With 85% one-year returns and solid cash flow, BBVXF demonstrates resilience. The main challenge is stabilizing earnings while maintaining revenue growth across global operations.
FAQs
What is BBVXF’s most recent earnings performance?
Q4 2025 results showed EPS of $0.505, slightly missing the $0.506 estimate, while revenue of $11.50 billion beat expectations by $37.7 million, demonstrating revenue strength despite modest earnings pressure.
How has BBVXF performed over the past four quarters?
BBVXF shows mixed quarterly results: Q4 2025 missed EPS slightly but beat revenue; Q3 2025 missed EPS by 4.1% but beat revenue; Q2 2025 beat EPS by 11.5% but missed revenue; Q1 2025 beat EPS by 8.4% but missed revenue by 10.5%.
What is BBVXF’s dividend yield and payout ratio?
BBVXF offers a 4.63% dividend yield with $0.91 per share. The conservative 39.92% payout ratio leaves room for growth or special distributions, supported by strong cash flow generation.
What is Meyka AI’s rating for BBVXF?
Meyka AI rates BBVXF with a B+ grade, reflecting solid fundamentals and financial health. The rating suggests a Buy recommendation based on valuation, profitability, and growth prospects.
What are the price targets for BBVXF?
Analysts project monthly target of $23.96 and quarterly target of $28.49. The one-year target is $34.95, implying 45% upside, with five-year forecasts reaching $84.53 for significant long-term value creation.
Disclaimer:
Stock markets involve risks. This content is for informational purposes only. Earnings estimates are analyst projections and not guarantees of actual results. Past performance does not guarantee future results. Meyka AI PTY LTD provides market analysis and data insights, not financial advice. Always conduct your own research and consider consulting a licensed financial advisor.
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