Banco Bilbao Vizcaya Argentaria (BOY) AI Stock Analysis

Banco Bilbao Vizcaya Argentaria

(XETRA:BOY)

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Positive Factors

High profitabilityBBVA 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.

Negative Factors

Elevated leverageHigher 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.

Banco Bilbao Vizcaya Argentaria (BOY) vs. iShares MSCI Germany ETF (EWG)

Market Cap: EUR 116.05B
Dividend Yield: 4.61%
Average Volume (3M): 6,857
Price to Earnings (P/E): 10.3
Beta (1Y): 0.90
Revenue Growth: 8.92%
EPS Growth: 12.99%
Country: Germany
Employees: 127,174
Sector: Financial
Sector Strength: 68
Industry: Banks - Diversified

Banco Bilbao Vizcaya Argentaria Business Overview & Revenue Model

Company Description

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...

Banco Bilbao Vizcaya Argentaria Earnings Call Summary

Earnings Call Date:Oct 28, 2026(Q3-2026)|% Change Since:-3.79%|Next Earnings Date:Feb 03, 2027

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.

Positive Updates

Strong Shareholder Value Creation and Profitability

Tangible book value per share plus dividends increased 14.3% year-over-year; excluding the impact of share buybacks, underlying tangible book value growth was nearly 20% year-over-year. Return on tangible equity was 22% and return on equity was 20.8% for the first nine months, positioning BBVA as the most profitable large bank in Europe.

Negative Updates

CET1 Ratio Decline

The CET1 ratio declined from 12.41% pro forma in June to 12.21% at the end of the quarter, a reduction of 20 basis points. Strong earnings generation was more than offset by capital consumption from profitable growth, lower SRT contribution due to summer seasonality, and negative market-related impacts.

Company Guidance

BBVA maintained its positive outlook and improved group ROTE guidance to above 20%, clarified as About 21, while expecting ROTE to further improve in 2027 and 2028 against a 22% average midterm commitment; Mexico lending growth guidance remains around 10%, with a positive bias, and customer spread is expected to have reached the bottom, while Turkey cost of risk could come slightly above 220 basis points and net profit guidance remains around EUR 1 billion with a downward bias, South America cost of risk could come slightly above guidance of below 250 basis points, Spain cost of risk is guided at low 30s and NII remains within low to mid-single-digit growth guidance with slight customer-spread improvement, SRT guidance is between 30 to 40 basis points for the year with 12 to 14 basis points expected in the fourth quarter, the 11.5% to 12% CET1 management target is unchanged, and BBVA still expects EUR 36 billion of distributions to shareholders or excess capital above EUR 12 billion from EUR 49 billion of capital generation between 2025 and 2028, with EUR 13 billion dedicated to growth.

Banco Bilbao Vizcaya Argentaria Risk Analysis

Banco Bilbao Vizcaya Argentaria disclosed 22 risk factors in its most recent earnings report. Banco Bilbao Vizcaya Argentaria reported the most risks in the "Finance & Corporate" category.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

0 New Risks

Banco Bilbao Vizcaya Argentaria Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

DE:BOY against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ES:SAB	82Outperform	EUR 16.38B	8.13	13.50%	6.79%	-35.28%	23.51%
ES:R4	78Outperform	EUR 885.53M	15.57	29.95%	4.35%	11.58%	44.82%
ES:SAN	76Outperform	EUR 147.13B	9.12	15.04%	2.49%	14.61%	21.71%
ES:MAP	73Outperform	EUR 12.16B	10.36	12.31%	4.53%	4.58%	10.93%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ES:UNI	61Neutral	EUR 8.15B	12.40	9.44%	6.02%	-6.69%	5.62%

* Financial Sector Average

Performance Comparison

DE:BOY and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
DE:BOY	Banco Bilbao Vizcaya Argentaria SA	21.03	4.34	25.99%
ES:SAB	Banco de Sabadell	3.44	0.58	20.23%
ES:SAN	Banco Santander SA	10.12	1.48	17.16%
ES:MAP	Mapfre, SA	3.99	0.20	5.25%
ES:UNI	Unicaja Banco	3.17	0.89	38.91%
ES:R4	Renta 4 Banco, S.A.	21.80	2.90	15.34%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Banco Bilbao Vizcaya Argentaria AI Stock Analysis