Banco Bilbao Vizcaya Argentaria, S.A.
Banco Bilbao Vizcaya Argentaria, S.A. Fundamental Analysis
Banco Bilbao Vizcaya Argentaria, S.A. (BOY.DE) shows strong financial fundamentals with a PE ratio of 10.42, profit margin of 23.61%, and ROE of 18.53%. The company generates $42.0B in annual revenue with strong year-over-year growth of 29.97%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 75.5/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze BOY.DE's fundamental strength across five key dimensions:
Efficiency Score
WeakBOY.DE struggles to generate sufficient returns from assets.
Valuation Score
ModerateBOY.DE shows balanced valuation metrics.
Growth Score
ExcellentBOY.DE delivers strong and consistent growth momentum.
Financial Health Score
WeakBOY.DE carries high financial risk with limited liquidity.
Profitability Score
ExcellentBOY.DE achieves industry-leading margins.
Key Financial Metrics
Is BOY.DE Expensive or Cheap?
P/E Ratio
BOY.DE trades at 10.42 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BOY.DE's PEG of 9.22 indicates potential overvaluation.
Price to Book
The market values Banco Bilbao Vizcaya Argentaria, S.A. at 1.91 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 5.97 times EBITDA. This is generally considered low.
How Well Does BOY.DE Make Money?
Net Profit Margin
For every $100 in sales, Banco Bilbao Vizcaya Argentaria, S.A. keeps $23.61 as profit after all expenses.
Operating Margin
Core operations generate 44.02 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $18.53 in profit for every $100 of shareholder equity.
ROA
Banco Bilbao Vizcaya Argentaria, S.A. generates $1.22 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 strong operating cash flow of $103.90B, reflecting robust business health.
Free Cash Flow
Banco Bilbao Vizcaya Argentaria, S.A. generates strong free cash flow of $102.95B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $18.09 in free cash annually.
FCF Yield
BOY.DE converts 1.06% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.42
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
9.22
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.91
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.32
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.43
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.24
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.19
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.09
vs 25 benchmark
How BOY.DE Stacks Against Its Sector Peers
| Metric | BOY.DE Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.42 | 18.66 | Better (Cheaper) |
| ROE | 18.53% | 804.00% | Weak |
| Net Margin | 23.61% | 2258.00% | Weak |
| Debt/Equity | 1.43 | 1.03 | Weak (High Leverage) |
| Current Ratio | 0.24 | 662.03 | Weak Liquidity |
| ROA | 1.22% | -24049.00% (disorted) | Weak |
BOY.DE outperforms its industry in 1 out of 6 key metrics, 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
258.52%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
215.80%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
555.74%
Industry Style: Value, Dividend, Cyclical
High Growth