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Profile & Fundamentals

BBVA Profile & Fundamentals

Name: BBVA financial chart data preview
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Examine company identity, ownership, reported performance, valuation, balance-sheet resilience, dividends, buybacks, and material corporate events.

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Company and Market Context

Company Profile & Ownership

Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides various financial services in Spain, Mexico, Turkey, South America, Europe, the United States, and Asia. The company offers traditional retail, wholesale, investment, and transaction banking. It also engages in financial, insurance, asset management, and capital markets businesses, as well as digital banking. The company was formerly known as Banco Bilbao Vizcaya, S.A. and changed its name to Banco Bilbao Vizcaya Argentaria, S.A. in January 2000. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.

Company profile record

Banco Bilbao Vizcaya Argentaria SA

Common Stock · Financials · Diversified Banks

Official website

Company

Company / asset: Banco Bilbao Vizcaya Argentaria SA
Security type: Common Stock
Sector: Financials
Industry: Diversified Banks
HQ: 🇪🇸 Spain
Head office: Plaza San Nicolás, 4, Bilbao, Spain, 48005

Leadership & scale

Chief executive: Mr. Onur Genc
CEO year born: 1974
Full-time employees: 127K
Fiscal year end: December

Fundamentals snapshot

Updated 2026-09-16

Market Cap: EUR 135.7B
P/E: 12.2x
Revenue (Q2 26): EUR 10.5B
Profit (Q2 26): EUR 3.1B
Dividend Yield: 3.7%
Revenue (FY 25): EUR 36.9B
Shares in public float: 5.7B
Insider ownership: 0.1%

Reporting & identifiers

Symbol: BBVA.BME
Listing: 🇪🇸 Spain | Dividend Tax: 0%
Ticker Currency: EUR
Income Statement Currency: EUR
Balance Sheet Currency: EUR
Cash Flow Currency: EUR
EPS Currency: EUR
Contract Type: SPOT
ISIN: ES0113211835
Asset ID: equity_bd8204d4-2b02-5aa5-9bd9-6cf1bf2406cd

Ownership

Shares Outstanding

Shares outstanding

Annual reported shares outstanding. Values in shares.

Earnings, Profitability & Valuation

Earnings & Revenue

AI Review

The bank reported record financial performance in the first half of 2026, generating 6.05 billion euros in net profit, an eleven percent increase over the prior year. Strong lending activity in Mexico and healthy domestic customer margins drove this momentum, while expanding fee income from corporate and investment banking provided valuable balance-sheet diversification. However, these headline profits reflect conditions near the peak of the interest rate cycle. As central banks begin easing monetary policy and loan loss provisions gently normalize from unusually low levels, future profit growth will depend more on disciplined cost control and volume growth than expanding lending margins.

Revenue, Net Income, and Free Cash Flow

Revenue
Free cash flow
Net income

Annual reported financial results, converted using the statement's recorded USD conversion. Missing values are omitted. Values in USD.

Valuation

Historical P/E Ratio

Published P/E

Published valuation snapshots. Trailing four-quarter earnings where available; annual earnings otherwise. Non-positive earnings are omitted. Values in times earnings.

Profitability & Margins

AI Review

Profitability has reached historic peaks, highlighted by a return on tangible equity of 22.2 percent in the first half of 2026 and an operating margin near forty-four percent. Wide lending spreads in Mexico and an industry-leading digital cost-to-income ratio below thirty-eight percent explain this exceptional efficiency. Yet these stellar margins represent a cyclical ceiling rather than a permanent new normal. As deposit competition in Spain increases and benchmark interest rates plateau, net interest spreads will narrow. Combined with normalizing credit provisions, group profitability is expected to settle into a more sustainable mid-cycle range.

Profitability Margins

Gross margin
Operating margin
Net margin
Free cash flow margin

Annual gross, operating, net income and free cash flow divided by revenue for matching reporting dates. Values in percent.

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Reported Data Tables — chart preview

The following tables contain the same values as the financial charts above. Monetary values are USD; margins are percentages. Missing inputs are not estimated. Use is subject to the iPulse AI Terms of Service and applicable source rights.

Source: eodhd. Statement snapshots with chart transformations and ratios calculated by iPulse AI. Snapshot retrieved 2026-09-17.

Annual earnings and profitability
Period end	Revenue	Free cash flow	Net income	Gross margin	Operating margin	Net margin	Free cash flow margin
2016-12-31	27,715,820,000	4,945,960,000	3,683,500,000	100	24.45	13.29	17.85
2017-12-31	30,618,700,000	849,660,000	4,181,660,000	100	26.94	13.66	2.77
2018-12-31	26,870,940,000	8,172,660,000	6,156,000,000	100	32.09	22.91	30.41
2019-12-31	26,062,400,000	-10,745,280,000	3,933,440,000	100	30.28	15.09	-41.23
2020-12-31	27,170,620,000	46,635,720,000	1,592,100,000	100	23.56	5.86	171.64
2021-12-31	35,709,360,000	-2,494,320,000	5,304,420,000	63.76	23.14	14.85	-6.99
2022-12-31	26,475,010,000	22,765,320,000	6,869,400,000	0.04	40.21	25.95	85.99
2023-12-31	64,006,800,000	-2,794,000,000	8,820,900,000	49.78	21.34	13.78	-4.37
2024-12-31	36,901,280,000	34,049,600,000	10,456,160,000	-18.76	43.42	28.34	92.27
2025-12-31	43,208,100,000	137,245,680,000	12,297,870,000	83.56	43.94	28.46	317.64

Published valuation snapshots
Period end	P/E (times earnings)	Earnings basis
2025-12-31	10.86	Trailing four quarters
2024-12-31	5.41	Trailing four quarters
2023-12-31	5.99	Trailing four quarters
2022-12-31	5.71	Annual net income
2021-12-31	7.38	Annual net income

Shares outstanding — chart values
Reporting date	Shares outstanding
2017-01-01	6,654,547,000
2018-01-01	7,150,000,000
2019-01-01	6,655,269,000
2020-01-01	7,333,333,000
2021-01-01	6,540,253,000
2022-01-01	6,512,500,000
2023-01-01	5,837,940,400
2024-01-01	5,756,619,000
2025-01-01	5,691,360,000
2026-01-01	5,504,224,000

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Earnings, Profitability & Valuation
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- Balance sheet AI review
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Dividends & Actions
- Cash dividends paid
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- Buybacks and issuance
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