Banco Bilbao Vizcaya Argentaria, S.A. logo
Banco Bilbao Vizcaya Argentaria, S.A. BBVA
$ 29.0 0.94%
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Quarterly report 2025-Q4
added 05-08-2026

Banco Bilbao Vizcaya Argentaria, S.A. Financial Ratios 2025-2011 | BBVA

Brief overview of Banco Bilbao Vizcaya Argentaria, S.A.'s financial ratios

The comparison uses the five latest available annual observations between 2019 and 2025.

The current valuation set is P/E 11.97x (median 12.67x), P/B 2.16x (median 2.16x), P/CF 8.9x (median 2.81x). The combined ratio level is close to the company's five-year norm at a 0% deviation. No clear premium or discount is visible.

At the current P/E, inverse earnings yield is 8.4%, a useful bridge between price and business earnings.

The latest available business-quality ratios are ROE 18%, ROA 1.3%, ROCE 26.1%. Fundamental efficiency is balanced: profitability supports valuation but does not remove the need for future growth.

Current PEG is 0.12x; the market pays comparatively little per unit of expected growth.

Banks and insurers require sector-specific reading: the value and return on capital matter more than standard industrial multiples.

Valuation takeaway

Banco Bilbao Vizcaya Argentaria, S.A.'s multiples form a balanced picture without a clear discount or premium. Future appeal depends on earnings and return trends.

Annual Financial Ratios Banco Bilbao Vizcaya Argentaria, S.A.

2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011

P/E

12.0 12.7 16.4 - - 31.0 9.3 7.1 - 11.5 14.1 16.5 25.6 27.2 11.6

P/S

- - - - - 1.8 1.4 1.6 - 1.6 1.6 2.0 2.8 2.5 1.4

EPS

1.8 1.7 1.3 1.0 0.7 0.1 0.5 0.8 0.5 0.5 0.4 - - - -

EV (Enterprise Value)

872 B 795 B 783 B 582 B - 661 B 632 B 603 B 594 B 636 B 695 B 580 B 538 B 648 B 599 B

EBITDA per Share

2.8 2.65 2.08 - - 0.69 0.96 0.97 - - - - - - -

EV/EBITDA

54.0 51.8 63.0 56.1 - - - - - - - - - - -

PEG

- - - - - -0.35 -0.25 0.12 -4.16 0.41 -1.24 1.65 1.03 -0.54 -0.25

P/B

2.2 2.2 2.5 - - 0.8 0.6 0.7 - 0.7 0.7 0.8 1.3 1.0 0.9

P/CF

8.9 -7.4 -192.0 - - 1.0 -3.1 2.8 - 10.1 2.2 -6.3 -29.5 6.6 2.3

ROE %

18.00 17.62 15.23 13.39 - 2.61 6.39 10.07 6.60 6.27 4.77 5.07 4.97 3.83 7.50

ROA %

1.29 1.37 1.09 0.95 - 0.18 0.50 0.79 0.51 0.47 0.35 0.41 0.38 0.26 0.50

ROCE %

26.14 25.57 22.50 20.53 - 10.30 13.11 12.87 13.54 - - - - - -

Current Ratio

1.1 1.1 1.1 1.1 - 1.1 1.1 1.1 1.1 - - - - - -

DSO

- - - - - - - - - 26.5 29.3 34.6 45.3 39.0 23.1

All numbers in EUR currency

Quarterly Financial Ratios Banco Bilbao Vizcaya Argentaria, S.A.

2025-Q4 2025-Q2 2024-Q4 2024-Q2 2023-Q4 2023-Q2 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

EPS

1.76 0.91 1.68 0.83 1.29 0.62 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

EBITDA per Share

2.8 - 2.65 - 2.08 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROE %

54.35 51.58 49.94 9.20 15.23 7.88 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROA %

4.10 3.89 3.69 0.69 1.09 0.54 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROCE %

78.93 75.28 73.15 13.50 22.50 11.58 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Current Ratio

1.1 1.1 1.1 1.1 1.1 1.1 - - - - 1.1 - 1.1 - 1.1 - 1.1 - 1.1 - 1.1 - 1.1 - 1.1 - 1.1 - - - 1.1 - - - 1.1 - - - - - - - - - - - - - - - - - - -

All numbers in EUR currency

Multiples are an important financial analysis tool for the company Banco Bilbao Vizcaya Argentaria, S.A., allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios
  • Simplified Data Analysis
    Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
  • Comparability Between Companies
    Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
  • Identification of Trends and Issues
    Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
  • Decision Support
    Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
  • Accelerated Assessment of Investment Attractiveness
    Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

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