BBVA Valuation

Banco Bilbao Vizcaya Argentaria SA

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20.400

+0.17(0.840%)1D

BBVA Relative Valuation

BBVA's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, BBVA is overvalued; if below, it's undervalued.

Historical Valuation

Banco Bilbao Vizcaya Argentaria SA (BBVA) is now in the Overvalued zone, suggesting that its current forward PS ratio of 2.70 is considered Overvalued compared with the five-year average of 6.23. The fair price of Banco Bilbao Vizcaya Argentaria SA (BBVA) is between 12.14 to 19.59 according to relative valuation methord. Compared to the current price of 20.40 USD , Banco Bilbao Vizcaya Argentaria SA is Overvalued By 4.13%.

Relative Value

Fair Zone

12.14-19.59

Current Price：20.40

4.13%

Overvalued

0.00

Trailing

Forward

0.00

EV/EBITDA

Banco Bilbao Vizcaya Argentaria SA. (BBVA) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Banco Bilbao Vizcaya Argentaria SA. (BBVA) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

2.73

Banco Bilbao Vizcaya Argentaria SA. (BBVA) has a current PS of 2.73. The 5-year average PS is 1.62. The thresholds are as follows: Strongly Undervalued below 0.93, Undervalued between 0.93 and 1.27, Fairly Valued between 1.96 and 1.27, Overvalued between 1.96 and 2.31, and Strongly Overvalued above 2.31. The current Forward PS of 2.73 falls within the Strongly Overvalued range.

0.00

P/OCF

Banco Bilbao Vizcaya Argentaria SA. (BBVA) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.09. The thresholds are as follows: Strongly Undervalued below -0.73, Undervalued between -0.73 and -0.32, Fairly Valued between 0.50 and -0.32, Overvalued between 0.50 and 0.91, and Strongly Overvalued above 0.91. The current Forward P/OCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/FCF

Banco Bilbao Vizcaya Argentaria SA. (BBVA) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Banco Bilbao Vizcaya Argentaria SA (BBVA) has a current Price-to-Book (P/B) ratio of 1.79. Compared to its 3-year average P/B ratio of 1.10 , the current P/B ratio is approximately 63.35% higher. Relative to its 5-year average P/B ratio of 0.95, the current P/B ratio is about 87.95% higher. Banco Bilbao Vizcaya Argentaria SA (BBVA) has a Forward Free Cash Flow (FCF) yield of approximately 3.41%. Compared to its 3-year average FCF yield of -4.16%, the current FCF yield is approximately -182.02% lower. Relative to its 5-year average FCF yield of 18.17% , the current FCF yield is about -81.21% lower.

1.77

P/B

Median3y

1.10

Median5y

0.95

3.38

FCF Yield

Median3y

-4.16

Median5y

18.17

Competitors Valuation Multiple

The average P/S ratio for BBVA's competitors is 2.43, providing a benchmark for relative valuation. Banco Bilbao Vizcaya Argentaria SA Corp (BBVA) exhibits a P/S ratio of 2.73, which is 12.40% above the industry average. Given its robust revenue growth of -4.23%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

BBVA.N

Banco Bilbao Vizcaya Argentaria SA

Banco Santander Brasil SA

Capital One Financial Corp

Performance Decomposition

Market capitalization of BBVA increased by 115.87% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 4.82 to 10.18.

The secondary factor is the Margin Expansion, contributed 8.73%to the performance.

Overall, the performance of BBVA in the past 1 year is driven by P/E Change. Which is more unsustainable.

-4.23%

10.86B → 10.40B

Revenue Growth

8.73%

29.21 → 31.76

Margin Expansion

111.37%

4.82 → 10.18

P/E Change

115.87%