Banco Bilbao stock analysis
Banco Bilbao (0A2B) Share Price & Analysis
0A2B Stock Chart & Stats
- Day’s Range
- $25.99 - $26.19
- 52-Week Range
- $20.01 - $29.65
- Previous Close
- $26.37
- Volume
- N/A
- Average Volume (3M)
- 4,847
- Market Cap
- $144.13B
- Enterprise Value
- $332.25B
- Total Cash (Recent Filing)
- $322.23B
- Total Debt (Recent Filing)
- $117.76B
- Price to Earnings (P/E)
- 11.6
- Beta
- 0.98
- Next Earnings
- Feb 04, 2027 (Est.)
- EPS Estimate
- 0.58
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 4.25%
Bulls Say, Bears Say
Bulls Say
Strong, Broad-based Earnings Growth
Record profit growth, supported by higher earnings per share and recurring operating performance, indicates strong earnings power across the franchise. Sustained profitability gives BBVA greater capacity to invest, absorb credit costs, build capital, and support shareholder distributions over coming quarters.
Diversified Lending And Revenue Franchises
BBVA is converting its diversified geographic presence and leading franchises into loan growth and expanding core revenue. Exposure to Spain, Mexico, South America, Turkey and CIB can broaden growth opportunities, while payments and asset management add fee-based revenue beyond lending.
Efficient Operations And Stable Group Asset Quality
Positive jaws and a 37.9% efficiency ratio show that revenue growth is broadly keeping pace with costs, supporting margin sustainability. Stable group asset quality and substantial coverage provide an operating cushion as BBVA expands lending and manages a diverse credit portfolio.
Bears Say
Volatile And Weak Cash Conversion
Repeated reversals in operating and free cash flow make reported earnings less dependable as a source of cash-based funding. Persistent volatility can reduce flexibility for capital allocation, investment and obligation coverage, especially if lending growth or credit costs require additional resources.
Elevated And Unstable Leverage
High and fluctuating leverage limits financial flexibility relative to stronger-capitalized peers and increases sensitivity to changes in funding conditions or asset quality. Although profitability is strong, a less stable capital structure can constrain growth and shareholder distributions during stress.
Emerging-market Credit-risk Pressure
Elevated Turkish retail provisioning shows that high interest rates can pressure borrower performance and weaken regional earnings quality. Further deterioration would require additional loss absorption, potentially offsetting growth elsewhere and making group profitability more dependent on macroeconomic stabilization.
Banco Bilbao News
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Banco Bilbao Stock Smart Score
Company Description
Banco Bilbao
Banco Bilbao Vizcaya Argentaria, S.A., established in Bilbao, Spain, in 1857, operates as a comprehensive global financial services provider through its various subsidiaries. The institution specializes in retail banking, wholesale banking, and asset management. Its extensive product offerings include everyday current accounts, a variety of deposit options such as demand, savings, overnight, time, term, and subordinated deposits, along with numerous loan products. BBVA also trades in securities and manages both pension and investment funds. Additional services encompass credit cards, corporate and investment banking solutions, insurance products, and real estate services. The bank delivers these offerings through both online and mobile digital channels. As of December 31, 2021, its physical presence was robust, featuring 6,083 branches and 29,148 ATMs. Geographically, BBVA maintains operations across Spain, Mexico, South America, the United States, Turkey, Asia, and the wider European region.
- 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 (0A2B) Earnings & Revenues
0A2B Company Deck
0A2B Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall. BBVA reported record nine-month earnings, robust loan and core-revenue growth, high profitability, positive jaws, stable group asset quality, strong performance in Mexico, South America and CIB, early AI benefits, and confidence in raising or exceeding medium-term targets. The main challenges were the decline in CET1 during the quarter, higher wholesale deposit costs in Spain, weaker Spain trading income and mortgage market share, and elevated credit-risk trends in Turkey and Argentina. These negatives were explicitly acknowledged but were outweighed by the breadth and strength of the reported operating performance.
View all GB:0A2B earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 12 | 3 | 7 |
| Technical Analysis | 2 | 3 | 5 |
| Moving Averages | 10 | 0 | 2 |











