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Upturn AI SWOT - About
BBVA 
Banco Bilbao Viscaya Argentaria SA ADR (BBVA)
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Upturn Advisory Summary
09/12/2025: BBVA (5-star) is a STRONG-BUY. BUY since 90 days. Simulated Profits (34.77%). Updated daily EoD!
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $19.33
1 Year Target Price $19.33
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 55.44% | Avg. Invested days 46 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 109.78B USD | Price to earnings Ratio 9.26 | 1Y Target Price 19.33 |
Price to earnings Ratio 9.26 | 1Y Target Price 19.33 | ||
Volume (30-day avg) 2 | Beta 1.46 | 52 Weeks Range 8.89 - 19.39 | Updated Date 09/14/2025 |
52 Weeks Range 8.89 - 19.39 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 4.10% | Basic EPS (TTM) 2.06 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 33.49% | Operating Margin (TTM) 56.74% |
Management Effectiveness
Return on Assets (TTM) 1.45% | Return on Equity (TTM) 18.85% |
Valuation
Trailing PE 9.26 | Forward PE 8.93 | Enterprise Value 131070976000 | Price to Sales(TTM) 3.5 |
Enterprise Value 131070976000 | Price to Sales(TTM) 3.5 | ||
Enterprise Value to Revenue 4.15 | Enterprise Value to EBITDA - | Shares Outstanding 5756619776 | Shares Floating 5937839999 |
Shares Outstanding 5756619776 | Shares Floating 5937839999 | ||
Percent Insiders 0.01 | Percent Institutions 3.75 |
Upturn AI SWOT
Banco Bilbao Viscaya Argentaria SA ADR
Company Overview
History and Background
Banco Bilbao Vizcaya Argentaria (BBVA) was formed in 1999 from the merger of Banco Bilbao Vizcaya (BBV) and Argentaria, Caja Postal y Banco Hipotecario. BBV was itself the result of a merger between Banco de Bilbao and Banco de Vizcaya in 1988. Argentaria was a group of state-owned banks. The combined entity became a major global financial institution.
Core Business Areas
- Retail Banking: Offers traditional banking services like current and savings accounts, loans, mortgages, credit cards, and investment products to individual customers.
- Corporate & Investment Banking (CIB): Provides financial solutions to corporations, including loans, transaction banking, capital markets services, and advisory services.
- Asset Management & Insurance: Manages investment funds and provides insurance products to individuals and institutions.
- Global Markets: Engages in trading and sales of financial instruments, including fixed income, currencies, and equities.
Leadership and Structure
The Chairman is Carlos Torres Vila. The CEO is Onur Genu00e7. BBVA has a board of directors and operates through various business units organized geographically and by product/service line.
Top Products and Market Share
Key Offerings
- Retail Banking Products (e.g., mortgages, consumer loans): BBVA provides a wide array of retail banking products tailored to individual needs. Competitors include Santander, CaixaBank, and other local banks in various geographies. Market share varies considerably by region and product type. Specific market share data is fragmented and depends on the country. Revenue generated is significant but not publicly disaggregated per product type.
- Corporate Loans: BBVA offers lending solutions to large corporations. Competitors include major international banks and regional players. Market share varies based on region and industry. Revenue is a substantial portion of BBVA's corporate banking income.
- Wealth Management: BBVA provides wealth management services to high-net-worth individuals. Competitors include UBS, Credit Suisse, and other private banks. Market share data is not readily available globally. BBVA is actively trying to expand this business unit
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, technological advancements (FinTech), and macroeconomic conditions (interest rate changes, economic growth).
Positioning
BBVA is a global bank with a strong presence in Spain, Mexico, Turkey, and South America. Its competitive advantages include its technological capabilities, international diversification, and strong brand recognition.
Total Addressable Market (TAM)
The global banking market is estimated to be in the trillions of dollars. BBVA is well-positioned to capture a significant portion of this TAM through its global presence and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- International diversification
- Technological innovation
- Solid capital position
- Experienced management team
Weaknesses
- Exposure to emerging markets risks
- Regulatory compliance costs
- Dependence on the Eurozone economy
- Digital transformation challenges
- Past reputation issues in some regions
Opportunities
- Expansion into new markets
- Growth in digital banking
- Strategic acquisitions
- Increasing demand for sustainable finance
- Leveraging data analytics for personalized services
Threats
- Increased competition from FinTech companies
- Economic slowdown in key markets
- Changes in regulatory environment
- Cybersecurity risks
- Geopolitical instability
Competitors and Market Share
Key Competitors
- SAN (Santander)
- ING
- BNPQY (BNP Paribas)
- CS (Credit Suisse)
- UBS
Competitive Landscape
BBVA competes with other major international banks on price, product offerings, and geographic reach. Its competitive advantage lies in its technological capabilities and strong presence in key markets.
Major Acquisitions
Simple
- Year: 2014
- Acquisition Price (USD millions): 117
- Strategic Rationale: Acquired Simple for its digital banking platform and customer base to accelerate BBVA's digital transformation.
Growth Trajectory and Initiatives
Historical Growth: BBVA's growth has been influenced by acquisitions, organic growth in key markets, and digital transformation initiatives.
Future Projections: Analyst estimates point to moderate revenue growth and improved profitability driven by digital banking and cost efficiencies.
Recent Initiatives: Recent initiatives include investments in digital platforms, expansion in emerging markets, and focus on sustainable finance.
Summary
BBVA is a global bank with a diversified business model and a strong presence in several key markets. Its investments in digital transformation are helping to drive growth and improve efficiency. BBVA faces risks related to economic conditions, regulatory changes, and competition from FinTech companies, but its strong capital position and experienced management team position it well for future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- BBVA Investor Relations
- Financial News Articles
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Banco Bilbao Viscaya Argentaria SA ADR
Exchange NYSE | Headquaters - | ||
IPO Launch date 1988-12-15 | CEO & Executive Director Mr. Onur Genc | ||
Sector Financial Services | Industry Banks - Diversified | Full time employees 125864 | Website https://www.bbva.com |
Full time employees 125864 | Website https://www.bbva.com | ||
Banco Bilbao Vizcaya Argentaria, S.A. provides retail banking, wholesale banking, and asset management services primarily in Spain, Mexico, Turkey, South America, rest of Europe, the United States, and Asia. The company offers savings accounts, demand deposits, and time deposits; and residential mortgage, other household, credit card, and enterprises and public sector loans, as well as consumer finance. It provides insurance and asset management business, including corporate, commercial, SME, payment systems, retail, private and investment banking, pension and life insurance, leasing, factoring, and brokerage. The company provides its products through online and mobile channels. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.
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