# Banco Bilbao Vizcaya Argentaria S.A. (BBVA) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $29.51, market value $162.8 billion.

## Valuation
- **P/E (trailing): 13.5×** (5-yr avg 7.1×, 3-yr avg 8.1×). Banco Bilbao Vizcaya Argentaria S.A. trades at 13.5× trailing earnings, well above its own five-year average of 7.1×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.9×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 2.50**. A PEG of 2.50 means the P/E is high relative to expected earnings growth; the price already assumes a lot.
- **Price / sales: 3.4×**. Each dollar of revenue is priced at 3.4×.
- **Price / book: 2.5×**. The shares trade at 2.5× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 10.1%** (5-yr avg -10.2%). Free cash flow equals 10.1% of the market value, above its five-year average of -10.2%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 7.4%**. The inverse of the P/E: 7.4% of the price is earned each year.

## Profitability
- **Return on equity: 18.0%**. 18.0% on shareholders' equity is solid.
- **Return on assets: 1.3%**. Each dollar of assets produces 1.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **EPS growth (1 yr): 4.8%** (3-yr 21.6%/yr, 5-yr 65.9%/yr). Earnings per share rose 4.8%.
- **Free-cash-flow growth (3 yr): -13.6%/yr**. Free cash flow has compounded at -13.6% a year over three years, lagging earnings: check whether profits are turning into cash.

## Dividends
- **Dividend yield: 3.65%** ($1.08 per share, trailing). Banco Bilbao Vizcaya Argentaria S.A. yields 3.65%, an income-level yield.
- **Payout ratio: 38%** (30% of free cash flow). 38% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 4**. 4 straight years of increases.
- **Dividend growth (5 yr): 36.7%/yr** (1-yr 10.4%). The dividend has compounded at 36.7% a year over five years, doubling roughly every 2 years at that pace.

## Analyst view
- **Analyst consensus: underperform** (3 analysts). 3 analysts cover Banco Bilbao Vizcaya Argentaria S.A.; the consensus is underperform, with an average price target of $24.53 (-17% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 67.9%** (YTD 30.5%, 3-mo 32.8%). The shares are up 67.9% over twelve months including dividends.
- **From 52-week high: -0.4%** (64.9% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 66**. An RSI of 66 is neutral.
- **Beta (1 yr): 1.44** (volatility 33%). Beta of 1.44 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=BBVA · Page: https://foliofundamentals.com/stocks/bbva

Not investment advice.