Banco Bilbao Vizcaya Argentaria, S.A.
Banco Bilbao Vizcaya Argentaria, S.A. Fundamental Analysis
Banco Bilbao Vizcaya Argentaria, S.A. (BBV.BR) shows strong financial fundamentals with a PE ratio of 6.05, profit margin of 29.52%, and ROE of 16.25%. The company generates $26.0B in annual revenue with strong year-over-year growth of 20.11%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 56.7/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze BBV.BR's fundamental strength across five key dimensions:
Efficiency Score
WeakBBV.BR struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBBV.BR trades at attractive valuation levels.
Growth Score
ExcellentBBV.BR delivers strong and consistent growth momentum.
Financial Health Score
WeakBBV.BR carries high financial risk with limited liquidity.
Profitability Score
ModerateBBV.BR maintains healthy but balanced margins.
Key Financial Metrics
Is BBV.BR Expensive or Cheap?
P/E Ratio
BBV.BR trades at 6.05 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BBV.BR's PEG of 0.21 indicates potential undervaluation.
Price to Book
The market values Banco Bilbao Vizcaya Argentaria, S.A. at 0.94 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.00 times EBITDA. This is generally considered low.
How Well Does BBV.BR Make Money?
Net Profit Margin
For every $100 in sales, Banco Bilbao Vizcaya Argentaria, S.A. keeps $29.52 as profit after all expenses.
Operating Margin
Core operations generate 56.35 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $16.25 in profit for every $100 of shareholder equity.
ROA
Banco Bilbao Vizcaya Argentaria, S.A. generates $1.03 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Banco Bilbao Vizcaya Argentaria, S.A. generates limited operating cash flow of $-691.31M, signaling weaker underlying cash strength.
Free Cash Flow
Banco Bilbao Vizcaya Argentaria, S.A. generates weak or negative free cash flow of $-1.77B, restricting financial flexibility.
FCF Per Share
Each share generates $-0.30 in free cash annually.
FCF Yield
BBV.BR converts -3.98% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
6.05
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.21
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.94
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.71
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.41
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.16
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How BBV.BR Stacks Against Its Sector Peers
| Metric | BBV.BR Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 6.05 | 18.97 | Better (Cheaper) |
| ROE | 16.25% | 804.00% | Weak |
| Net Margin | 29.52% | -7722.00% (disorted) | Strong |
| Debt/Equity | 1.41 | 2.38 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 561.06 | Weak Liquidity |
| ROA | 1.03% | -21175.00% (disorted) | Weak |
BBV.BR outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Banco Bilbao Vizcaya Argentaria, S.A.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
68.21%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
215.80%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
0.00%
Industry Style: Value, Dividend, Cyclical
Declining