Banco Bilbao Vizcaya Argentaria (BOY) Stock Price & Analysis
BOY Stock Chart & Stats
- Day’s Range
- EUR 21.03 - EUR 21.50
- 52-Week Range
- EUR 17.15 - EUR 25.51
- Previous Close
- EUR 21.90
- Volume
- N/A
- Average Volume (3M)
- 7,651
- Market Cap
- EUR 115.76B
- Enterprise Value
- EUR 294.00B
- Total Cash (Recent Filing)
- EUR 325.42B
- Total Debt (Recent Filing)
- EUR 106.16B
- Price to Earnings (P/E)
- 10.3
- Beta
- 0.90
- Next Earnings
- Feb 04, 2027 (Est.)
- EPS Estimate
- 0.51
- Last Dividend Ex-Date
- Oct 13, 2026
- Dividend Yield
- 4.61%
Bulls Say, Bears Say
Bulls Say
High Profitability
BBVA is producing strong returns on its equity base, indicating effective use of its diversified banking franchise. High profitability improves internal capital generation, supports investment in growth and technology, and strengthens the bank’s ability to sustain shareholder distributions.
Broad-based Revenue And Loan Growth
Strong lending growth combined with gains in net interest income and fees shows that expansion is translating into broader revenue momentum. Growth across multiple banking activities and geographies can support earnings resilience and reduce reliance on a single income stream.
Digital And AI Operating Advantage
BBVA is applying AI to customer service and internal risk processes with measurable early benefits. Scaling these capabilities could improve service quality, employee productivity and operating efficiency, reinforcing the bank’s digital competitiveness over the medium term.
Bears Say
Elevated Leverage
Higher leverage makes BBVA’s results more sensitive to credit conditions, funding costs and balance-sheet shocks. Although equity has grown, the increased debt burden can constrain financial flexibility and make it harder to absorb deterioration across lending markets.
Capital Pressure From Growth
Rapid lending growth is consuming capital faster than earnings and other mitigants are replenishing it. A lower CET1 ratio reduces room for unexpected losses or further expansion, while the upcoming higher SREP requirement could intensify capital-allocation constraints.
Regional Credit-risk Exposure
Elevated provisioning in Turkey demonstrates that BBVA’s international footprint can expose earnings to deteriorating borrower conditions and prolonged high rates. If credit costs remain elevated, they could offset strong revenue growth and reduce the durability of group profitability.
Banco Bilbao Vizcaya Argentaria News
BOY FAQ
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What is the TipRanks Smart Score and how is it calculated?
Banco Bilbao Vizcaya Argentaria Stock Smart Score
Company Description
Banco Bilbao Vizcaya Argentaria
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA), founded in Bilbao, Spain, in 1857, operates as a global financial services group offering a comprehensive range of retail, wholesale, and asset management solutions. The bank's diverse offerings include a wide array of deposit accounts, such as checking, savings, demand, time, and subordinated options, along with various credit facilities and credit card products. Additionally, BBVA provides insurance and real estate services, manages investment and pension funds, and actively trades in securities. Its wholesale division encompasses robust corporate and investment banking services. Customers can conveniently access these services via advanced online and mobile channels. As of December 31, 2021, the company's extensive physical network included 6,083 branches and 29,148 ATMs. BBVA maintains a significant international presence, conducting operations across Spain, Mexico, the United States, Turkey, numerous South American countries, Asia, and other European regions.
- Sector
- Financial
- Industry
- Banks - Diversified
- CEO
- Onur Genc
- Employees
- 127,174
- Website
- www.bbva.com
- Address
- Plaza San NicolAs, 4, Bilbao, MA, 48005, ES
Banco Bilbao Vizcaya Argentaria (BOY) Earnings & Revenues
BOY Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall. BBVA reported record nine-month profit, robust core revenue and loan growth, leading profitability and efficiency metrics, stable group asset quality, and an improved group-level ROTE outlook. The main challenges were the 20-basis-point CET1 decline, higher Turkey and potentially South America cost of risk, Spain trading-income pressure, mortgage market-share losses, and a higher SREP requirement, but management maintained its key guidance and expressed confidence in future growth and capital generation.
View all DE:BOY earnings summariesBOY Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 4 | 4 | 14 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 0 | 0 | 12 |
