GROWTH
Top line accelerating.
+18.1% YoY versus −42.8% prior. 3y CAGR +0.1%.
+18.1%
Banco Bilbao Vizcaya Argentaria, S.A. BBVA
Financial Services · Market Cap: $130.1B
$24.48▲ 0.01 (0.04%)
Fundamentals as of 2025-12-31
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Financial Services · Market Cap: $130.1B
Fundamentals as of 2025-12-31
All analysis on this page is for educational purposes only and does not constitute financial advice. Fair values are model-based estimates. Always do your own research.
Bottom line: BBVA is rated BUY by 1 of 2 legendary models, with 1 holding and 0 flagging it overvalued, but earns a B sector grade (65/100) in Financial Services. Whether the premium is justified depends on which lens you trust. Drill into the valuation breakdown and sector ranking for the full picture.
The Question
1 of 2 legendary models say BUY BBVA — but Warren Buffett disagrees.
What would legendary investors pay for BBVA?
These figures are not quotes or opinions from Buffett, Graham, Lynch or the other investors. They are our own estimates, computed by applying the intrinsic-value formulas each investor is known for to this company’s financials.
For educational purposes only. Not a recommendation to buy or sell securities.
Mixed — Banco Bilbao Vizcaya Argentaria, S.A. has 18.3% ROE but D/E 13.91.
Financial story
Mixed — Banco Bilbao Vizcaya Argentaria, S.A.'s 18.3% ROE is strong, but its 13.91 debt-to-equity is elevated.
+18.1% YoY versus −42.8% prior. 3y CAGR +0.1%.
+18.1%Net margin 28.5% versus 28.3% prior (+0.1pp). Operating 43.9%.
28.5%P/E 10.8x — 51% above the 5y median of 7.1x. Forward 12.0x signals EPS contraction next year.
10.8xAverage fair value across qualifying models: $37. See the per-investor fair-value table in the valuation tab.
BBVA trades at 10.6x earnings. Sector context and per-investor signals are in the valuation tab.
BBVA and SPGI differ on P/E, ROE, and revenue growth. See the full BBVA vs SPGI compare matrix.
Buffett and Lynch evaluate BBVA against their respective frameworks. Per-model fair value and reasoning are in the valuation tab.
BBVA's P/E ratio is 10.6x. 5-year P/E history is in the financials tab.
1 of 2 legendary models say BUY. Full breakdown by investor and signal is in the valuation tab
How does BBVA compare?
See exactly where BBVA ranks
Sign in to unlock the full sector ranking — free.
Sign in to see the rankingBBVA sits at #5 in Financial Services with a B grade (65/100).
