Banco Bilbao Vizcaya Argentaria, S.A.

BBVA

$29.64

+1.65%

2026-09-03 16:00:02 EDT+$0.48

Financial Services

Banks - Diversified

NYSE

Active Trading

Banco Bilbao Vizcaya Argentaria, S.A., established in Bilbao, Spain, in 1857, operates as a comprehensive global financial services provider through its various ...

Price Action of BBVA

$29.64

+1.65%+$0.48

High—

Low—

52W High1.1%

Rel. vol—

Interval

Range6.5h

Volume—SMA5SMA10

—

BBVA (Banco Bilbao Vizcaya Argentaria, S.A.) is one of Europe’s major financial institutions, established in Bilbao in 1857. The group operates as a comprehensive banking and financial services provider with activities spanning retail banking, wholesale/commercial banking, and asset management. Its proposition combines traditional banking infrastructure with large-scale digital delivery—customers can ...BBVA (Banco Bilbao Vizcaya Argentaria, S.A.) is one of Europe’s major financial institutions, established in Bilbao in 1857. The group operates as a comprehensive banking and financial services provider with activities spanning retail banking, wholesale/commercial banking, and asset management. Its proposition combines traditional banking infrastructure with large-scale digital delivery—customers can access many services through online and mobile channels in addition to physical branches. From a business perspective, BBVA earns revenue across core banking products such as deposit accounts and lending. The company offers everyday current accounts and a variety of deposit types (including demand, savings, overnight, time, term, and subordinated deposits), supported by credit and loan solutions for individuals and businesses. BBVA also participates in securities activities and provides services related to pension and investment funds, aligning with its asset-management and investment offering. In addition, the group provides financial products commonly associated with a universal bank: credit cards, corporate and investment banking solutions, insurance products, and real-estate-related services. Product and service delivery is multi-channel. The company serves customers through a broad physical footprint (the provided dataset references 6,083 branches and 29,148 ATMs as of December 31, 2021) and also through digital platforms, which supports scalability and customer access across regions. In terms of scale, BBVA employs over 127,000 people worldwide (127,174 cited in the provided information), placing it in the highest employment band. Financial-market information from the dataset indicates BBVA trades on the New York Stock Exchange as an ADR under the symbol BBVA, with a market capitalization on the order of hundreds of billions of USD (marketCap provided) and various valuation and profitability ratios typical of a large, diversified banking institution. The provided figures also reflect the bank’s profitability and returns profile (e.g., ROE and ROA metrics) and broader leverage and liquidity indicators commonly monitored by investors for banks. Leadership and governance include CEO Onur Genç, with the group operating under a global structure supported by regional operations. Overall, BBVA’s strategy centers on providing a diversified suite of financial services—combining lending, deposits, investments, and related financial products—delivered at scale through both branch networks and digital channels, while operating across multiple countries and market segments.ExpandCollapse

Founded

1857

Employees

127174

CEO

Onur Genc

Full Name

Banco Bilbao Vizcaya Argentaria, S.A.

Sector

Financial Services

Industry

Banks - Diversified

ROE

19.31%

Market Cap

$163.77B

Current Ratio

0.47

WACC

6.68%

ROIC

-3.30%

Contact Information

https://www.bbva.com

+34 91 537 7000

Plaza San NicolAs, 4, Bilbao, MA 48005

Key Metrics of BBVA

Snapshot

Latest / TTM · 6 periods

Market Cap

$163.77B

ROCE

6.5%

EV / EBITDA

7.27x

-0.7% YoY

FCF Yield

94.9%

+83.8% YoY

Cash Conversion Cycle

0.0d

Current Ratio

0.47

Quick take

TTM —

Current ratio below 1.0

Negative working capital

Financial Highlights of BBVA

Profitability trend

Latest / TTM · 6 periods

Gross Margin

83.3%

Net Margin

27.3%

P/E Ratio

13.16x

n/a

Debt / Equity

1.80

n/a

Current Ratio

0.47

Dividend Yield

3.6%

Understanding

TTM —

Current ratio below 1.0

Calendar of BBVA

Upcoming

Sep 30, 2026In 26 days
Q3 FY2026 · Estimated results
Est. EPS $0.53 · Revenue $10.92B · 1 analysts
Dec 30, 2026
Q4 FY2026 · Estimated results
Est. EPS $0.54 · Revenue $11.28B · 1 analysts
Dec 31, 2026
FY2026 · Estimated annual results
Est. EPS $2.08 · Revenue $42.44B · 4 analysts
Mar 30, 2027
Q1 FY2027 · Estimated results
Est. EPS $0.61 · Revenue $11.50B · 1 analysts

Recent history

Jun 30, 2026
Q2 FY2026 · Results reported
EPS €0.53 · Revenue €10.51B
Apr 27, 2026
Dividend payment
$0.60 per share
Apr 9, 2026
Ex-dividend date
$0.60 per share
Mar 31, 2026
Q1 FY2026 · Results reported
EPS €0.51 · Revenue €10.65B
Dec 31, 2025
FY2025 · Annual results
EPS €1.69 · Revenue €36.93B
Sep 30, 2025
Q3 FY2025 · Results reported
EPS €0.42 · Revenue €17.90B

Financial Statements of BBVA

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$36.9B	+4.1%	-1.4%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$10.5B	+4.5%	+2.4%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+83.6%	+545.4%	+1.4%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	+43.9%	+1.2%	+4.3%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	+28.5%	+0.4%	+3.9%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$13.2B	+167.9%	+100.1%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	+35.6%	+165.2%	+100.1%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	142.7%	-45.0%	+15.7%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	0.44x	+35.0%	+7.1%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$859.6B	+11.3%	+8.0%

Actual vs Estimate

A Dec 31Q Jun 30

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	1.69 vs 1.79	-5.7%	0.53 vs 0.52	+1.0%
Revenue Surprise	$36.9B vs $36.6B	+1.0%	$10.5B vs $10.4B	+0.6%

Earnings Call Transcript of BBVA

1 transcript segments

Q2 2026

Unknown Speaker

Patricia Bueno: Good morning, everyone, and welcome to BBVA's second quarter results presentation. Joining me today are our CEO, Onur Genc; and the Group CFO, Luisa Gomez Bravo. As in previous quarters, Onur and Luisa will begin by reviewing the quarterly figures. After which, we will open the line for the live Q&A session. With that, I turn it over to Onur. Onur Genç: Thank you, Patricia. Good morning to everyone. Welcome, and thank you for joining BBVA's Second Quarter 2026 Earnings Webcast. Before we begin, I would like to say a few words about Luisa as this is her last results presentation as the CFO of BBVA. And in very short few sentences, we are a 169-year-old bank, built by generations of exceptional professionals in my view, exceptional professionals like you, Luisa. And over the past few years, we have delivered some of the best results in our history. And I would like to recognize the fact that you have been one of the architects of that success. So I'm very pleased that you will continue to be connected to the bank as a Board member of some of our most important subsidiaries so that we can continue to benefit from your experience and judgment. So in short, Luisa, thank you for your leadership, your professionalism, everything you have done for this institution. It has been a true privilege to work with you. Now let me start with the quarterly results. In short, once again, we have demonstrated in my view, the strength of BBVA's business model. We have delivered record earnings, industry-leading profitability, strong activity growth, exceptional activity growth. and capital generation while reinforcing our competitive position across different geographies. So let me start with Slide #3. One of the most important messages for the quarter. As always, we continue to deliver outstanding value creation for our shareholders. On the left-hand side of the page, you can see the strong evolution of tangible book value per share plus dividends, which increased by 17.3% year-over-year and 5.4% in the quarter. Very strong figures, which are even better if you exclude the impact of the share buybacks, then the growth goes up to 21.8% year-over-year, an outstanding figure. This strong value creation was mainly supported by the record earnings, obviously, together with a positive contribution from the exchange rates in the quarter, particularly the appreciation of the Mexican peso. On the right-hand side of the page, our profitability ratios, they have further improved, reaching a return on tangible equity of 22.2% and a return on equity of 21.1% for the first half of the year, placing BBVA as one of the most profitable large bank in Europe. On Page #4, on the left-hand side, another record quarter, as we discussed in net attributable profit, reaching EUR 3.062 billion, 11.4% increase year-over-year and 2.4% growth versus the previous quarter. Earnings per share at the bottom, it grew even better at 15.2% year-over-year, thanks to the share buyback …

Leadership Team of BBVA

14 executives

Name	Title	Compensation	Gender	Year Born	Status
Carlos Torres Vila	President & Group Executive Chairman	EUR 8,254,898	Male	1966	Active
Onur Genc	Chief Executive Officer & Executive Director	EUR 7,756,405	Male	1974	Active
Francisco Javier Rodríguez Soler	Global Head of Sustainability and Corporate & Investment Banking	—	Male	1969	Active
Jacobo De Nicolas y De Benito	Global Head of Legal	—	Male	—	Active
Ricardo Marine	Executive Director of Institutional Investor Relations	—	Male	—	Active
Jorge Sicilia Serrano	Chief Economist of BBVA Group	—	Male	—	Active
Gonzalo Rodriguez Rodriguez	Global Head of Finance & Chief Financial Officer	—	Male	—	Active
Jaime Saenz de Tejada Pulido	Global Head of Commercial Client Solutions	—	Male	1968	Active
Rocio Perez	Global Head of Compliance & Internal Control	—	—	1975	Active
Paul Garcia Tobin	Global Head of Talent & Culture	—	Male	1973	Active
Maria Luisa Gomez Bravo	Global Head of Finance & Chief Financial Officer	—	Female	—	Active
Maria Jesus Arribas de Paz	Global Head of Legal	—	Female	1964	Active
Ana Fernandez Manrique	Global Head of Regulation, Internal Control & Compliance	—	Female	1965	Active
Patricia Bueno Olalla	Global Head of Shareholder & Investor Relations	—	Female	1972	Active

Recent News of BBVA

Seeking Alpha7/30/2026Neutral

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) Q2 2026 Earnings Call Transcript

MarketBeat7/30/2026Neutral

Banco Bilbao Viscaya Argentaria Q2 Earnings Call Highlights

Banco Bilbao Viscaya Argentaria NYSE: BBVA reported record second-quarter earnings, supported by loan growth, higher core revenues and improved capital generation, while announcing a new €2 billion extraordinary share repurchase program.

WSJ7/30/2026Neutral

BBVA Raises Profitability Outlook, Plans $2.3 Billion Buyback

The Spanish bank said that it now expects a return on tangible equity of around 21% this year, up from more than 20% previously.

Reuters7/30/2026Neutral

BBVA's Q2 net profit rises 11.4% from same period a year ago

Spain's BBVA on Thursday said its ‌second-quarter net profit rose 11.4% compared to the same period in ⁠2025 thanks to a solid performance in Mexico.

Reuters7/29/2026Neutral

BBVA reshuffles leadership team, names new CFO and Mexico head

Spain's Banco Bilbao Vizcaya Argentaria said on Wednesday it had reshuffled its leadership ‌team and streamlined its organisation as it seeks to drive transformation amid the growing impact of artificial intelligence on its business and customer experience.

Historical Employee Count of BBVA

Current

127,174

Change

+1.00%

Minimum

110,432

Maximum

127,174

Recent Filings

Report Date	Employees	Form Type	Filing Date	SEC Filing
Dec 31, 2025	127,174	20-F	Feb 20, 2026	View
Dec 31, 2024	125,916	20-F	Feb 21, 2025	View
Dec 31, 2023	121,486	20-F	Mar 1, 2024	View
Dec 31, 2022	115,675	20-F	Mar 6, 2023	View
Dec 31, 2021	110,432	20-F	Mar 4, 2022	View

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Banco Bilbao Vizcaya Argentaria, S.A.