profit from every $100 of sales.
$0$100
Banco Bilbao Vizcaya Argentaria
$25.92+0.00% today
+19.9% in 1 year
1-year low $20.231-year high $29.64
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $12.23 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Banco Bilbao Vizcaya Argentaria sold, what it kept, and what it did with the cash.
Sales went from €28.1 billion in 2022 to €39.4 billion in 2025, with €10.5 billion of profit last year.
SalesProfit
Banco Bilbao Vizcaya Argentaria handed back 47% of the cash it generated last year.
Buybacks €2.0B€4.2B
Free cash flow 2025€13.2B
Bought back its own shares€2.0B
Paid as dividends€4.2B
Cash vs. debt€69.9B vs. €89.3B
Banco Bilbao Vizcaya Argentaria vs. similar companies
Banco Bilbao Vizcaya Argentaria grows the fastest of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Banco Bilbao Vizcaya Argentaria | 12.2× · Cheap | ||
 JPMorgan Chase | 16.1× · Fair price | ||
 China Construction Bank | 9.3× · Cheap | ||
 Industrial and Commercial Bank of China | 8.6× · Cheap | ||
 Agricultural Bank of China | 8.9× · Cheap |
Compare Banco Bilbao Vizcaya Argentaria with i BBCA ID SDR 1to2 · JPMorgan Chase · Mastercard · Moody's · S&P Global · Visa
AI analysis
An AI analyst reads Banco Bilbao Vizcaya Argentaria's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 28,065 | 33,427 | 39,235 | 39,415 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 6,358 | 8,019 | 10,054 | 10,511 | |
| 0.98 | 1.29 | 1.68 | 1.76 | |
| – | – | – | – | |
| – | – | – | – | |
| 22.7% | 24.0% | 25.6% | 26.7% |
Balance sheet
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 712,092 | 775,558 | 772,402 | 859,576 |
| Cash | 84,250 | 81,263 | 59,881 | 69,887 |
| Total debt | 60,116 | 74,192 | 75,930 | 89,302 |
| Total liabilities | 661,574 | 720,293 | 712,389 | 797,780 |
| 46,895 | 51,701 | 55,654 | 57,355 | |
| 6,189 | 5,954 | 5,769 | 5,748 | |
| – | – | – | – | |
| 13.6% | 15.5% | 18.1% | 18.3% |
Cash flow
| In millions of EUR | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 23,718 | -721 | -18,190 | 14,968 | |
| 2,442 | 1,819 | 2,011 | 1,806 | |
| 21,276 | -2,540 | -20,201 | 13,162 | |
| Dividends paid | 2,185 | 2,808 | 3,913 | 4,196 |
| 2,983 | 2,166 | 1,529 | 1,995 | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 12.2×
- 12.7×
- 0.57
- 2.1×
- 3.3×
- 8.2%
- 3.3%
Profitability
- 26.7%
- 4.8%
- 4.6%
- 18.9%
- 1.2%
Growth
- +12.0%
- +21.6%
- +36.8%
- −2.4%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 50%of 754
Top 20%of 605
Top 42%of 883
Top 42%of 880
Top 22%of 929
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 30, 2026 | 0.60 | 0.57 | +5.3% |
| Feb 5, 2026 | 0.50 | 0.50 | +0.0% |
| Oct 30, 2025 | 0.49 | 0.48 | +2.1% |
| Jul 31, 2025 | 0.52 | 0.47 | +10.6% |
| Apr 29, 2025 | 0.47 | 0.47 | +0.0% |
| Mar 14, 2025 | 0.41 | – | – |
| Oct 31, 2024 | 0.52 | 0.48 | +9.0% |
| Jul 31, 2024 | 0.56 | 0.52 | +6.3% |
3.3%of the share price, paid each year
On $1,000 invested$33a year at today's yield, before tax
+36.8%2020 to 2025
Raised4 yearsin a row, in our data
Paid per share, each year
$0.31 in 2015 → $0.83 in 2025
How safe it looks
39.9% of its profit
Room to growStretchedMore than it earns: 31.9%
News
Banco Bradesco declares $0.0038 dividendSeeking Alpha · Oct 15, 2026Banco Bradesco S.A. declares $0.0035 dividendSeeking Alpha · Oct 15, 2026Quant snapshot: Okta and Citi Trends lead top-rated names, as Banco BBVA Argentina and Prudential lagSeeking Alpha · Aug 24, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
5/7Passes 5 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
67Pass
Benjamin Graham
57No pass
Philip Fisher
85Pass
Peter Lynch
78Pass
Joel Greenblatt
18No pass
Charlie Munger
63Pass
Terry Smith
66Pass
Questions about Banco Bilbao Vizcaya Argentaria
Is Banco Bilbao Vizcaya Argentaria a good stock to buy?
A strong, very profitable business, and the price looks low. 5 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Banco Bilbao Vizcaya Argentaria AI analysis
What does Banco Bilbao Vizcaya Argentaria do?
Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides various financial services in Spain, Mexico, Turkey, South America, Europe, the United States, and Asia. The company offers traditional retail, wholesale, investment, and transaction banking. It is in Banks - Diversified, based in Bilbao, Spain, with 123,193 employees.
Does Banco Bilbao Vizcaya Argentaria pay a dividend?
Yes. At today's price the dividend is 3.3% a year, about 40% of its yearly profit. In 2025 it paid out $4.20 billion in dividends.
Is Banco Bilbao Vizcaya Argentaria stock halal?
No. Banco Bilbao Vizcaya Argentaria does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Banco Bilbao Vizcaya Argentaria stock done over the past year?
Up 19.9% over the past twelve months, to $25.92. It traded between $20.23 and $29.64 and is 12.6% below its high.
Who are Banco Bilbao Vizcaya Argentaria's competitors?
The largest listed companies in the same industry are JPMorgan Chase, China Construction Bank, Industrial and Commercial Bank of China and Agricultural Bank of China. The peers table on this page compares their profit, growth and price with Banco Bilbao Vizcaya Argentaria's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.