Banco Bilbao Vizcaya Argentaria stock
BBVA.MCBMEBanco Bilbao Vizcaya Argentaria, S.A., Financial ServicesISIN ES0113211835
84Score 84 out of 100, Strong
Price and trend
70 / 100
Price history
+24% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 9.2% above it.
Since January 2025 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 62).
The price is 7.4% below its 52-week high. Largest decline in 20 years: 88% (May 2007 to September 2020).
Chart figures for advanced users
- SMA 50$26.41
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$23.98
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)62
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$19.58
- The lowest closing price of the last twelve months.
- Resistance$28.27
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Banco Bilbao Vizcaya Argentaria, S.A. belongs to the Banks (Diversified) industry (Spain) and, with a market value of $142.72B, is number 16 of 33 companies in its industry on MEQIRI.
- In fiscal 2025 it earned $11.7B (up 4.5% year on year).
- For fiscal 2026, analysts expect on average adjusted earnings per share of $2.33 (up 19.4%).
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- MEQIRI Score 84 out of 100 (Strong): rank 25 of 976 in Financial Services, median 68.
- The P/E is 11.3 (Banks (Diversified) median 11.8, own median of recent years 9.2).
- Our model puts fair value at $37.87, with the price 31% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High return on equityReturn on equity 20.2% over the last 12 months.Profitability 79
- Earnings per share growingUp 27.3% a year since 2021.Growth 100
- Share buybacksShare count down 14% since 2020.Capital allocation 93
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are growth and fundamentals.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among stocks ranked 101 to 1,000.
From 2016 to 2025, 9 in 100 such stocks fell 30% or more within a year, against a group average of 15 in 100.
What drives the risk
- high growth grade (crashed more often in the backtest)
What lowers it
- solid fundamentals
Valuation
Valuation signal
Significantly undervaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $29.13 and expensive above $54.10 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $48.43 (excess return model) and $27.31 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 8%. At 9% the fair value would be $33.83, at 7% it would be $43.92.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (11.8).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the quarter to 30 Sep 2026, revenue rose 12.6% on the same quarter a year earlier. Revenue has grown solidly since 2006, at about 4% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 44%, net 28%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 4 Feb 2027in 84 days
- Last reported
- 29 Oct 2026EPS reported $0.60 (expected $0.60)in line with expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $2.33+0.2%
- Revenue
- $47.78B+0.7%
- Earnings per share
- $2.650.0%
- Revenue
- $51.1B+1.1%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: −6.2%BBVA raised its group return on tangible equity (ROTE) target to above 20%, up from a prior expectation of improvement only, and expects to beat its roughly 10% lending growth guidance in Spain. This is partly offset by slightly higher than planned cost of risk in Turkey and South America, which …
“And at the group level, we see upside potential for the ROTE return on tangible equity guidance at the group level, which we now improved to be above 20%, above 20%.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 29 Oct 2026 (fiscal Q3 2026), read by AI.
What happened at Banco Bilbao Vizcaya Argentaria
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 84
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Diversified)
The next larger and next smaller companies by market value
- CitigroupC $208.35B65
- Banco SantanderSAN.MC $182.73B67
- Sumitomo Mitsui Financial GroupSMFG $155.18B68
- UBS GroupUBSG.SW $150.44B68
- Bank of MontrealBMO $120.84B66
- Bank of Nova ScotiaBNS $113.74B68
- Bank of Communications601328.SS $111.54B63
- Canadian Imperial Bank of CommerceCM $105.81B73
ETFs that hold Banco Bilbao Vizcaya Argentaria
Held by 156 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Xtrackers Spain UCITS ETF 1CXESP | 15.22% | 0.30% | €509.27M |
| Amundi IBEX 35 UCITS ETF AccAMES | 12.48% | 0.30% | €929.16M |
| Amundi Euro Stoxx Banks UCITS ETF AccLYBK | 10.15% | 0.30% | €6.12B |
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| iShares EURO STOXX Banks 30-15 UCITS ETF (DE)EXX1 | 10.09% | 0.51% | €2.5B |
| iShares STOXX Europe 600 Banks UCITS ETF (DE)EXV1 | 6.36% | 0.46% | €2.97B |
| iShares Dow Jones Eurozone Leaders Screened UCITS ETF (DE)EXXV | 5.17% | 0.41% | €213.43M |
| WisdomTree Europe Equity UCITS ETF USD HedgedWTDH | 4.58% | 0.58% | €117.51M |
| Deka Euro Prime ESG UCITS ETFELFB | 4.54% | 0.40% | €670.04M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 11 Nov 2026 ($1 = €0.8987)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 18 Oct 2026)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.