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Banco Bilbao Viscaya Argentaria SA ADR(BBVA)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BBVA
11/13/2026: BBVA (5-star) is currently NOT-A-BUY. Pass it for now.
Banco Bilbao Viscaya Argentaria (BBVA) is a prominent multinational financial group with a robust presence in Europe and Latin America, particularly Mexico. The bank is recognized for its early and effective transition toward digital-first banking, which has become a core strength in managing costs and acquiring customers. Its primary growth opportunity lies in leveraging its leading position in emerging markets and enhancing digital financial services. Investors should monitor financial risks associated with macroeconomic volatility in these regions, as well as regulatory and execution challenges. The stock may suit value and income-oriented investors seeking a dividend-paying institution with a strong digital franchise.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | BBVA offers moderate growth linked to its digital strategy but faces cyclical banking headwinds. |
| Momentum investor | Mixed fit | The stock can follow positive trends during periods of rising interest rates but requires a strong upturn signal. |
| Value investor | Strong fit | BBVA often trades at attractive multiples relative to its earnings power and book value. |
| Dividend investor | Strong fit | The bank provides a reliable and competitive dividend yield suitable for income-focused portfolios. |
| Low-risk investor | Weak fit | Emerging market exposure and banking volatility make this less suitable for highly risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Banking stocks are sensitive to interest rate changes and geopolitical news. |
| Valuation risk | Low | The stock is generally reasonably valued compared to international banking peers. |
| Competition risk (fintech disruption) | Medium | Digital-first competitors continuously challenge traditional retail banking models. |
| Business quality | Strong | The bank possesses a robust franchise with strong margins in key markets. |
| Dividend income | Medium / high | Dividends are well-supported but subject to capital allocation decisions. |
| Execution risk | Medium | Integrating digital services across diverse regulatory environments is complex. |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 141.88B USD | Price to earnings Ratio 11.38 | 1Y Target Price 28.03 |
Price to earnings Ratio 11.38 | 1Y Target Price 28.03 | ||
Volume (30-day avg) 1.8M shares | Beta 0.83 | 52 Weeks Range 19.30 - 29.18 | Updated Date 11/13/2026 |
52 Weeks Range 19.30 - 29.18 | Updated Date 11/13/2026 | ||
Dividends yield (FY) 4.34% | Basic EPS (TTM) 2.28 |
Sector & Industry Intelligence
Sector
Financial Services
Constructive- Sentiment
- Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 50.4%
- Active BUY / eligible
- 61 / 121
- 30-Day BUY Count Change
- +45
- Market state
- Bullish
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Banks - Diversified
- BUY participation
- 33.3%
- Active BUY / eligible
- 6 / 18
- 30-Day BUY Count Change
- +4
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 95.52% | Avg. Invested days 57 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 11/13/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Retail Banking | Interest income from loans and fee income from accounts. | The bank earns most of its money by lending more than it pays for deposits. |
| Geography: Mexico | High-margin banking operations and retail credit. | Mexico is a massive profit engine for the company. |
| Digital Banking | Transaction fees and high-efficiency banking delivery. | Technology lowers the cost to serve each customer. |
Earnings Date
Report Date 2026-10-29 | When - | Estimate 0.62 | Actual 0.61 |
Profitability
Profit Margin 32.62% | Operating Margin (TTM) 54.25% |
Management Effectiveness
Return on Assets (TTM) 1.37% | Return on Equity (TTM) 19.84% |
Valuation
Trailing PE 11.38 | Forward PE 9.57 | Enterprise Value 176.78B | Price to Sales(TTM) 3.99 |
Enterprise Value 176.78B | Price to Sales(TTM) 3.99 | ||
Enterprise Value to Revenue 5.41 | Enterprise Value to EBITDA - | Shares Outstanding 5.47B | Shares Floating 5.43B |
Shares Outstanding 5.47B | Shares Floating 5.43B | ||
Percent Insiders 0.02 | Percent Institutions 3.68 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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