BBVA
Strong BuyFull HouseAI neutralBanco Bilbao Vizcaya Argentaria, S.A. · Financial Services · Spain · $136.8B cap · $40.5M/day traded
$23.94 +2.1% · close 2 Nov · scored 3 Nov
StockRank up 7.3 since 31 Oct: Value up 5, Momentum up 4 after a 2% price rise.
Full House: Strong business, sensible price, and the market agrees.
Reported 29 Oct: the next-year EPS estimate fell 2.2% across the report (snapshots of 25 Oct and 1 Nov).
As of 3 Nov 2026, MoatMap's StockRank for Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is 86/100, ranked against 24,000+ stocks in 35 markets (Quality 61, Value 55, Momentum 67, each scored against its sector).
Does StockRank work? Each month we publish how each tenth of the ranking did, whichever way it went. See the record →
BBVA is a highly profitable bank with leading franchises in Spain and Mexico, strong returns on equity and an active capital return programme, including the recent cancellation of 70 million own shares. Higher-for-longer rates support net interest income, but its sizeable Turkish exposure and slowing Mexican growth add risk, and earnings estimates have edged down.
ABOUT BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Read
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) is a leading global financial services group with a dominant market position in Spain and Mexico, alongside a strong footprint across South America and Turkey. The bank is recognized as an industry leader in digital transformation, which drives high operational efficiency and customer acquisition. Its competitive moat is sustained by geographic diversification, leading market shares in high-growth emerging markets, and robust capital ratios.
FINANCIAL SUMMARY (USD)
Reported in EUR
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 29.6B | 36.2B | 42.5B | 44.5B | 14.6% | 39.8B | 51.1B | 54.6B | 11.1% |
| EPS | 1.03 | 1.40 | 1.82 | 1.99 | 24.4% | 2.28 | 2.29 | 2.54 | 13.4% |
| Shares | 6.0B | 5.8B | 5.8B | 5.7B | -5.5% | 5.5B | — | — | — |
| Debt | 64.1B | 82.1B | 79.0B | 104.9B | 17.9% | 124.0B | — | — | — |
| Equity | 50.0B | 57.2B | 57.9B | 67.4B | 10.5% | — | — | — | — |
| Op CF | 25.0B | -779.9M | -19.7B | 16.9B | -12.2% | 16.7B | — | — | — |
| Inv CF | -4.1B | -1.5B | -1.5B | -1.6B | — | — | — | — | — |
| Fin CF | -8.0B | -2.0B | -2.8B | -4.2B | — | — | — | — | — |
No clear trend: not near its 52-week low, and not in a steady uptrend.
Calmer than 67% of stocks we rank over the past year (volatility 33% a year).
How this is worked out
StockRank weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of BBVA are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| BBVA | Banco Bilbao Vizcaya Argentaria, S.A.(you) | $136.8B | 86 | Strong Buy |
| HBND.SI | Bank of China Limited | $244.6B | 89 | Strong Buy |
| 3328.HK | Bank of Communications Co., Ltd. | $91.7B | 93 | Strong Buy |
| 1288.HK | Agricultural Bank of China Limited | $293.7B | 92 | Strong Buy |
| 0939.HK | China Construction Bank Corporation | $325.8B | 93 | Strong Buy |
| 1398.HK | Industrial and Commercial Bank of China Limited | $329.1B | 94 | Strong Buy |
| BNS | The Bank of Nova Scotia | $113.2B | 62 | Hold |
| INGA.AS | ING Groep N.V. | $90.6B | 63 | Hold |
| UBSG.SW | UBS Group AG | $142.4B | 55 | Hold |
| BNY | The Bank of New York Mellon Corporation | $98.6B | 59 | Hold |
Peer medians: ROE 10.2% · P/E 12.1x · Gross margin 70.1%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.