BBVA
Financial ServicesBanco Bilbao Vizcaya Argentaria, S.A. · Banks - Diversified · $125B
What is Banco Bilbao Vizcaya Argentaria, S.A.?
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is a large international bank headquartered in Bilbao, Spain, serving millions of customers across Europe, Latin America, and beyond.
BBVA generates revenue through retail banking, wholesale banking, and asset management. It collects deposits, extends loans, issues credit cards, and distributes insurance and investment products. The bank operates thousands of branches and ATMs while expanding its digital and mobile banking channels across Spain, Mexico, South America, Turkey, and the United States.
Founded in 1857, BBVA is headquartered in Bilbao, Spain.
- Retail and corporate lending
- Credit cards and deposit accounts
- Asset management and pension funds
- Corporate and investment banking
Is BBVA a Good Stock to Buy?
UQS Score rates BBVA as Good overall.
BBVA's strongest dimension is Quality, which stands out relative to many sector peers. Valuation is rated Attractive, suggesting the market may not be fully pricing in the bank's fundamentals.
The Moat and Risk pillars are both rated Weak, reflecting the competitive pressures and macro sensitivities common to large international banks.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does BBVA pay dividends?
Yes — Banco Bilbao Vizcaya Argentaria, S.A. pays a dividend.
BBVA pays a regular dividend, consistent with its profile as a large, established European bank. Income-oriented investors often look to banks like BBVA for recurring distributions. The dividend reflects the bank's capacity to return capital while maintaining its broad international operations.
When does BBVA report earnings?
Banco Bilbao Vizcaya Argentaria reports earnings on a quarterly cadence, typical for internationally listed banking groups.
BBVA's Quality pillar rating suggests the bank has maintained relatively sound fundamentals across its diverse geographic footprint. Growth is rated Neutral, pointing to a steady rather than rapidly expanding earnings trajectory.
For the most recent quarter's results, visit BBVA's official investor relations page.
BBVA Price History
+387.2% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Banco Bilbao Vizcaya Argentaria, S.A.?
Based on Banco Bilbao Vizcaya Argentaria, S.A.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does BBVA do?
BBVA provides retail banking, wholesale banking, and asset management services across Spain, Mexico, South America, Turkey, and the United States. It offers loans, deposits, credit cards, insurance, and investment products through both physical branches and digital channels.
Does BBVA pay dividends?
Yes, BBVA pays a regular dividend. As a large, established European bank, it has a history of returning capital to shareholders. For current dividend details and payment schedules, check BBVA's investor relations page.
When does BBVA report earnings?
BBVA reports on a quarterly cadence, in line with major international banking groups. For exact upcoming dates, refer to the investor relations section of BBVA's official website.
Is BBVA a good stock to buy?
UQS Score rates BBVA as Good overall. Its Quality pillar is Strong and Valuation is Attractive, but Moat and Risk are both Weak. Whether it fits your portfolio depends on your risk tolerance and investment goals — view the full breakdown on UQS Score.
Is BBVA overvalued?
UQS Score's Valuation pillar rates BBVA as Attractive, suggesting the stock may be reasonably priced relative to its fundamentals. The complete valuation metrics are available to Pro members on UQS Score.
What is BBVA's market cap bracket?
BBVA is classified as a large-cap bank, reflecting its scale as one of the major financial institutions in Europe and Latin America.
Who founded BBVA?
BBVA traces its origins to 1857. The modern entity emerged from the merger of Banco Bilbao Vizcaya and Argentaria. Full founding history is publicly available through BBVA's corporate website.
Is BBVA a long-term quality investment?
From a long-term quality perspective, BBVA's Strong Quality pillar and Attractive Valuation are positive indicators. However, the Weak Moat and Risk ratings highlight structural challenges. Pro members can access the complete UQS analysis to assess long-term fundamentals.
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Pro Analysis
BBVA — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 57.5 | 98.7 | 32.0 | 41.7 | 11.4 | 98.3 | +0.1 |
| May 21, 2026 | 57.4 | 98.7 | 32.0 | 41.7 | 11.4 | 98.1 | -0.1 |
| May 19, 2026 | 57.5 | 98.7 | 32.0 | 41.7 | 11.4 | 98.4 | 0.0 |
| May 18, 2026 | 57.5 | 98.7 | 32.0 | 41.7 | 11.4 | 98.3 | +0.1 |
| May 17, 2026 | 57.4 | 98.7 | 32.0 | 41.6 | 11.4 | 98.3 | -0.1 |
| May 16, 2026 | 57.5 | 98.7 | 32.0 | 41.6 | 11.4 | 98.5 | +0.1 |
| May 14, 2026 | 57.4 | 98.7 | 32.0 | 41.4 | 11.4 | 98.3 | 0.0 |
| May 12, 2026 | 57.4 | 98.7 | 32.0 | 41.3 | 11.4 | 98.0 | +0.1 |
| May 11, 2026 | 57.3 | 98.7 | 32.0 | 41.2 | 11.4 | 98.0 | +0.1 |
| May 10, 2026 | 57.2 | 98.7 | 32.0 | 41.2 | 11.4 | 97.1 | +4.7 |
BBVA — Pillar Breakdown
Quality
— 98.7/100 (25%)Banco Bilbao Vizcaya Argentaria, S.A. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 41.7/100 (20%)Banco Bilbao Vizcaya Argentaria, S.A. shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 11.4/100 (15%)Banco Bilbao Vizcaya Argentaria, S.A. presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 99.2/100 (15%)Banco Bilbao Vizcaya Argentaria, S.A. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 32/100 (25%)Banco Bilbao Vizcaya Argentaria, S.A. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for BBVA.
Score Composition
Financial Data
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How is the BBVA UQS Score Calculated?
The UQS (Unified Quality Score) for Banco Bilbao Vizcaya Argentaria, S.A. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Banco Bilbao Vizcaya Argentaria, S.A.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Banco Bilbao Vizcaya Argentaria, S.A. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.