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BBVA 
Banco Bilbao Viscaya Argentaria SA ADR (BBVA)
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Upturn Advisory Summary
10/29/2025: BBVA (5-star) is a STRONG-BUY. BUY since 123 days. Simulated Profits (43.46%). 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 $19.79
1 Year Target Price $19.79
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 65.47% | Avg. Invested days 50 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/29/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 115.65B USD | Price to earnings Ratio 9.8 | 1Y Target Price 19.79 |
Price to earnings Ratio 9.8 | 1Y Target Price 19.79 | ||
Volume (30-day avg) 2 | Beta 1.46 | 52 Weeks Range 8.89 - 20.54 | Updated Date 10/29/2025 |
52 Weeks Range 8.89 - 20.54 | Updated Date 10/29/2025 | ||
Dividends yield (FY) 4.14% | Basic EPS (TTM) 2.05 |
Earnings Date
Report Date 2025-10-30 | When Before Market | Estimate 0.51 | 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 9.8 | Forward PE 8.91 | Enterprise Value 137166585856 | Price to Sales(TTM) 3.69 |
Enterprise Value 137166585856 | Price to Sales(TTM) 3.69 | ||
Enterprise Value to Revenue 4.16 | Enterprise Value to EBITDA - | Shares Outstanding 5756618609 | Shares Floating 5939094978 |
Shares Outstanding 5756618609 | Shares Floating 5939094978 | ||
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. BBV itself was a result of the 1988 merger of Banco de Bilbao and Banco de Vizcaya. Argentaria was a group of public sector banks privatized in the 1990s. The combined entity has grown through organic expansion and strategic acquisitions to become a major global financial institution.
Core Business Areas
- Retail Banking: Provides banking services to individuals and small businesses, including deposit accounts, loans, and credit cards.
- Corporate & Investment Banking: Offers financial solutions to large corporations and institutional investors, including investment banking, transaction services, and global markets products.
- Asset Management: Manages assets for individual and institutional clients through mutual funds, pension funds, and private banking services.
- Insurance: Offers insurance products to individuals and businesses.
Leadership and Structure
The current CEO is Onur Genu00e7. The organizational structure is hierarchical with regional and business unit heads reporting to the executive management team, which in turn reports to the Board of Directors.
Top Products and Market Share
Key Offerings
- Retail Loans (Mortgages, Personal Loans): Offers various loan products to retail customers. Market share varies by country but is significant in Spain and Mexico. Competitors include Santander, CaixaBank, and HSBC.
- Corporate Loans: Provides financing solutions to businesses. BBVA holds a strong position in Spain and Latin America, competing with JPMorgan Chase, Citigroup, and local banks.
- Asset Management Products: Offers mutual funds and other investment vehicles. Faces competition from BlackRock, Vanguard, and State Street.
- Credit Cards: Issues credit cards with various reward programs. Competitors include American Express, Visa, and Mastercard partners.
Market Dynamics
Industry Overview
The banking industry is undergoing significant transformation due to increased regulation, digitalization, and low-interest rate environments. Fintech companies are also disrupting traditional banking models.
Positioning
BBVA is positioned as a digitally advanced global bank with a strong presence in Spain and Latin America. Its competitive advantages include its technological capabilities and focus on customer experience.
Total Addressable Market (TAM)
The global banking market is estimated to be worth trillions of dollars. BBVA is positioned to capture a portion of this market through its digital initiatives and geographic footprint.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Significant presence in emerging markets
- Advanced digital capabilities
- Diversified revenue streams
Weaknesses
- Exposure to volatile emerging markets
- Dependence on interest rate margins
- Complex regulatory environment
- Potential for asset quality deterioration
Opportunities
- Expansion into new markets
- Increased digitalization of banking services
- Growth in wealth management
- Partnerships with fintech companies
Threats
- Increased competition from fintech companies
- Economic slowdown in key markets
- Changes in regulatory requirements
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BAC
- JPM
- C
- HSBC
- SAN
Competitive Landscape
BBVA's competitive advantages include its digital capabilities and strong presence in Latin America. Disadvantages may include exposure to economic volatility in emerging markets. Competitors like JPMorgan and Bank of America have larger market share in the USA.
Major Acquisitions
Simple
- Year: 2014
- Acquisition Price (USD millions): 117
- Strategic Rationale: Acquired for its innovative digital banking platform to enhance BBVA's digital capabilities.
Holvi
- Year: 2016
- Acquisition Price (USD millions): 0
- Strategic Rationale: Financial service for microenterprises and SMEs to further grow digitally.
Growth Trajectory and Initiatives
Historical Growth: Requires historical financial data. BBVA has grown through organic expansion and strategic acquisitions. The impact of the digital strategy on revenue growth needs to be analyzed.
Future Projections: Requires analyst estimates. Future growth projections typically include revenue growth forecasts, EPS growth forecasts, and expansion plans.
Recent Initiatives: Recent initiatives include the expansion of digital banking services, investment in fintech companies, and a focus on sustainable finance.
Summary
BBVA is a globally diversified bank with a strong presence in Spain and Latin America. Its digital transformation efforts are enhancing its competitive position. However, BBVA faces challenges related to economic volatility in emerging markets and increased competition from fintech companies. Continued investment in technology and strategic acquisitions are crucial for future growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry News
Disclaimers:
The information provided is for informational purposes only and does not constitute investment advice. Market share data is approximate and based on available estimates. Financial data requires real-time access to databases.
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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