Bull Rankings model

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) stock analysis

Banks - Diversified. Scored on the same transparent model behind the daily rankings.

★
BBVA
Banco Bilbao Vizcaya Argentaria, S.A. · Banks - Diversified
72.0Financial strength
$26.43Oct 13 close$145.4B
1Y Target$27.53Analyst consensus · 3 analysts
5Y Target$34.75Compound horizon
10Y Target$44.57Long-dated conviction
Rev+0.5%
C
Revenue +0.5% — flat, mature phase or headwinds present
P/E12.1x
B
P/E 12.1 — near the Financial Services median (≈60th pctile)
ROE18.9%
B+
ROE 18.9% — above long-run market (~13%)
P/B2.29
C+
P/B 2.29 — richly valued vs book
Yield4.1%
B+
Yield 4.1% — healthy income

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 72.0 / 100
Profitability86.8
Value (P/B)42.2
Income81.3

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeNear 52-week high
11% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Banks - Diversified · market cap $145.4b. 11% off the 52-week high of $29.64. 3 sell-side analysts rate this a Hold with a mean 1-yr target of $27.53 (implying +4% upside).
Moat
Net margin 33% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 19% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. $145.4b market cap gives the company enough scale to absorb fixed costs that subscale competitors can't, without yet being so large that growth has to come from acquisition.
Risk
Duration mismatch — the asset and liability books reprice on different schedules; a rapid move in rates either direction can compress net interest margin before management can reposition.
Horizon
1-3 yr $27.53 (3-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $34.75 at ~6% CAGR — dividend compounding plus earnings growth. 10 yr $44.57 if the moat survives secular pressure.

Not enough history yet — the model records BBVA's score after each daily run, and the chart appears once a few days have accumulated.

BBVA at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY87VALUE42COVERED INCOME8172/100 on our peer scale — not the quality-growth score.
ONE-YEAR MOVE VS ITS BETAFLATThis stock+42%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.
PRICE IN ITS 52-WEEK RANGE$26.4LOW $17.9HIGH $29.6Trading at the 73rd percentile of its 52-week range ($17.9–$29.6).

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change+9.8%
90-day change+15.6%
Forward EPS estimate$2.72

Over the last 90 days, what analysts expect BBVA to earn is materially higher (+15.6%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Shares to buy
75
Position size
$1,982
4.0% of portfolio
Stop price
$19.82
25% below $26.43
$ at risk if stopped
$495.56
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA): score, valuation & FAQ

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is a Banks - Diversified company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are ROE (B+) and Yield (B+).

Is BBVA a good stock to buy?

Bull Rankings grades BBVA on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by ROE (B+) and Yield (B+). A score is a quantitative screen of Banco Bilbao Vizcaya Argentaria, S.A.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade BBVA?

As a bank, insurer or REIT, BBVA isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on ROE (B+) and Yield (B+).

Is BBVA overvalued or undervalued?

We don't publish a discounted-cash-flow value for BBVA, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. BBVA is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in BBVA?

Duration mismatch — the asset and liability books reprice on different schedules; a rapid move in rates either direction can compress net interest margin before management can reposition.

New to these metrics? See the guides and the methodology.

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