Banco Bilbao Vizcaya Argentaria, S.a.
BBVA NYSE· Commercial Banks, Nec
Last close · Oct 30, 2026
$23.44
KIRA · Stoqly’s AI analyst, in plain words
- Banco Bilbao Vizcaya Argentaria, S.a. had $356M of revenue in fiscal 2025, up 22.5% on the year before. Over five years, revenue changed −53.6% a year on average.
- Banco Bilbao Vizcaya Argentaria, S.a. made $11.9B of net profit in fiscal 2025.
- Banco Bilbao Vizcaya Argentaria, S.a. returned $4.7B to shareholders in fiscal 2025, 30% of free cash flow. The diluted share count fell 0.5%.
- It earned 17.6% on shareholders’ money.
Market cap
—
P/E
—
Revenue
$356M
Net income
$11.9B
Return on equity
17.6%
Efficiency ratio
—
Banco Bilbao Vizcaya Argentaria, S.a. in 30 seconds · fiscal 2025
Are sales growing?
+22.5%
Yes. Sales grew 22.5% last year.
Does it make a profit?
3,326.3%
Yes. It keeps 3,326.3% of every sale as profit.
How much does it earn on its capital?
17.6%
Good. It earns 17.6% a year on shareholders’ money.
What Banco Bilbao Vizcaya Argentaria, S.a. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 20-F · Feb 20, 2026
- Legal name
- BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
- CIK
- 0000842180
Banco Bilbao Vizcaya Argentaria, S.a. · BBVA · stoqly.net
Results and finances
The last 5 fiscal years. Amounts in USD. Compiled by stoqly.net.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $17.4B | $256M | $294M | $291M | $356M |
| Revenue growth | 4.4% | −98.5% | 14.7% | −1.1% | 22.5% |
| Net interest income | $17.4B | $20.1B | $25.0B | $27.3B | $29.6B |
| Gross margin | 143.4% | 10,140.6% | 10,861.0% | 13,190.0% | 11,687.0% |
| Operating margin | 51.0% | 4,250.8% | 4,570.6% | 5,704.5% | 5,111.7% |
| Net income | $5.5B | $6.7B | $8.7B | $10.9B | $11.9B |
| Net margin | 31.7% | 2,605.7% | 2,948.2% | 3,737.5% | 3,326.3% |
| Cash | |||||
| Cash from operations | −$1.5B | $24.9B | −$780M | −$19.7B | $16.9B |
| Capital expenditure | $468M | $1.9B | $1.2B | $1.3B | $933M |
| Free cash flow | −$1.9B | $23.0B | −$2.0B | −$21.0B | $15.9B |
| FCF margin | −11.2% | 8,977.9% | −680.1% | −7,206.3% | 4,475.0% |
| Dividends paid | $1.1B | $2.3B | $3.0B | $4.2B | $4.7B |
| Share count change | — | — | — | −3.3% | −0.5% |
| Debt and strength | |||||
| Cash and short-term investments | $76.8B | $85.1B | $83.3B | $53.1B | $69.1B |
| Loans, net | $361.2B | $381.2B | $417.3B | — | — |
| Deposits | $396.1B | $420.7B | $456.9B | — | — |
| Shareholders' equity | $55.2B | $53.9B | $61.1B | $62.3B | $72.6B |
| Interest coverage | 0.9x | 0.8x | 0.5x | 0.4x | 0.5x |
| Returns and quality | |||||
| Return on equity | 9.4% | 12.3% | 15.1% | 17.6% | 17.6% |
| Return on tangible equity | 10.4% | 13.0% | 14.8% | 18.2% | 17.1% |
| Piotroski F-score | — | — | — | 5 | 4 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Banco Bilbao Vizcaya Argentaria, S.a. · BBVA · stoqly.net
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $23.44 a share, the company is worth —.
Compiled and analysed by stoqly.net from SEC EDGAR XBRL filings (CIK 0000842180). Latest version: stoqly.net/companies/bbva. Data updated November 1, 2026. Filed in EUR under IFRS and converted to US$: income and cash-flow lines at each period's average exchange rate, balance-sheet lines at the period-end rate. For information only — not investment advice. Check the original filings before relying on any figure.