Banco Bilbao Vizcaya Argentaria, S.A. (BBVA.DE)

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA.DE) — VMCI valuation read

BBVA.DE screens at VMCI 58/100, a 8-point gap above the Financial Services sector median (50). For a mid-cap Banco Bilbao Vizcaya Argentaria, S.A. share, that placement says the multi-pillar composite is cheaper or higher quality than the typical peer on a like-for-like basis.

BBVA.DE has logged no Form 4 insider activity over the trailing 30 days. The tape reads neither bullish nor bearish on insider conviction. The next signal sits with the 10-Q schedule and the analyst calendar.

**Investor frame.** Value: BBVA.DE trades at 16.0x earnings, 11% below the Financial Services median of 18.0x, while EV/EBITDA prints 9.0x against 12.0x for the Financial Services group. Quality: ROIC of 16.0% sits 6.0pp above the Financial Services median (10.0%), the cleanest like-for-like comparison on capital efficiency. Risk: net debt to EBITDA of 0.1x leaves covenant headroom, which sets the rate-cycle exposure for Banco Bilbao Vizcaya Argentaria, S.A..

BBVA.DE fell 1.3% over the trailing 7 days, with a -10.9% read on a 30-day basis.