Banco Bilbao Vizcaya Argentaria, S.A. (BBVA)
ValueMarkers Composite Index
47% below intrinsic value ($39)
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) — VMCI valuation read
Across 120 indicators, Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) lands at VMCI 60/100. The Financial Services sector median is 50, so the 10-point above-median read is the active comparison. Pillar weighting on the score: Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%.
No material Form 4 disclosures landed on BBVA in the past 30 days. Quiet insider tape removes one signal source; the active reads stay with the trailing-twelve-month financials and the next 10-Q.
**Investor frame.** On Value, BBVA trades at 27.0x earnings, 50% above the Financial Services median of 18.0x; the EV/EBITDA delta of -2.0x reinforces that single line. On Quality, ROIC of 13.0% sits 3.0pp above the Financial Services median (10.0%). On Risk, net debt to EBITDA of 2.6x is the rate-sensitivity line to watch for BBVA on the trailing balance sheet.
BBVA fell 2.6% over the trailing 7 days, with a +1.4% read on a 30-day basis.
Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides retail banking, wholesale banking, and asset management services. It offers current accounts; and demand, savings, overnight, time, term, and subordinated deposits. The company also provides loan products; deals in securities; and manages pension and investment funds. In addition, it offers credit cards; corporate and investment banking services; insurance products and services; and real estate services. The company provides its products through online and mobile channels. As of December 31, 2021, it operated through a network of 6,083 branches and 29,148 ATMs. It operates in Spain, Mexico, South America, the United States, Turkey, Asia, and rest of Europe. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.
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