US · BBVA
Banco Bilbao Vizcaya Argentaria, S.A.
- Sector
- Financial Services · Banks - Diversified
- Headquarters
- Bilbao 48005
- Website
- bbva.com
Price · as of 2025-12-31
$22.00
Market cap 132.44B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $107.00 | +386.36% |
| Intrinsic Value(DCF) | $14.89 | -32.32% |
| Graham-Dodd Method(GD) | $9.10 | -58.64% |
| Graham Formula(GF) | $24.60 | +11.82% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $4.07 | $24.27 | $5.24 | $8.10 | $10.70 |
| 2012 | $5.15 | $20.98 | $4.74 | $5.60 | $3.90 |
| 2013 | $6.79 | $27.63 | $6.01 | $6.00 | $4.10 |
| 2014 | $5.45 | $20.90 | $10.16 | $8.70 | $2.10 |
| 2015 | $4.34 | $21.94 | $7.37 | $6.90 | $8.40 |
| 2016 | $4.66 | $21.91 | $6.91 | $6.00 | $8.70 |
| 2017 | $5.35 | $22.31 | $6.71 | $5.70 | $5.70 |
| 2018 | $3.88 | $24.08 | $7.09 | $6.40 | $2.80 |
| 2019 | $3.18 | $17.75 | $7.33 | $5.10 | $5.00 |
| 2020 | $4.29 | $32.32 | $5.66 | $6.00 | $0.00 |
| 2021 | $4.13 | $22.09 | $5.69 | $9.60 | $10.30 |
| 2022 | $6.02 | $32.25 | $7.22 | $8.10 | $40.80 |
| 2023 | $9.53 | $21.41 | $151.23 | $9.20 | $76.00 |
| 2024 | $13.36 | $13.07 | $10.94 | $9.40 | $0.00 |
| 2025 | $22.24 | $91.41 | $9.98 | $9.10 | $24.60 |
AI valuation
Our deep-learning model estimates Banco Bilbao Vizcaya Argentaria, S.A.'s (BBVA) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $107.00
- Current price
- $22.00
- AI upside
- +386.36%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$14.89
-32.32% upside
Graham-Dodd
$9.10
-58.64% upside
Graham Formula
$24.60
+11.82% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| BBVA | Banco Bilbao Vizcaya Arge… | $22.00 | 132.44B | +316% | -32% | -59% | +12% | 11.68 | 1.98 | 3.07 | -4.54 | 1962.60 | 2.08 | 83.56% | 43.94% | 28.46% | 17.19% | -24.66% | 1.19% | 1.43 | — | 0.44 | 0.44 | -0.68 | 60.00% | 408.00% | -68124.00% | 99.28% | 0.18 | -249.73% | 3.55% | 41.50% | 90.40% | -4.97 | -0.72 | -2.18 | -0.31 |
| BCS | Barclays PLC | $24.28 | 84.05B | +59% | -29% | +19% | — | 8.71 | 0.80 | 2.33 | -16.00 | 43.53 | 0.90 | 108.66% | 37.28% | 26.74% | 9.59% | -3.84% | 0.47% | 2.20 | 0.47 | 0.58 | 0.58 | -5.41 | 2000.00% | -4805.00% | -24569.00% | -12.93% | -0.01 | 3.93% | 3.54% | 30.80% | 68.70% | -17.44 | 21.61 | -6.50 | -0.11 |
| C | Citigroup Inc. | $110.22 | 197.21B | +15% | -11% | -8% | -52% | 14.35 | 0.96 | 1.21 | 10.53 | 82.10 | 1.07 | 44.55% | 11.78% | 8.48% | 6.72% | 5.22% | 0.56% | 3.37 | 0.24 | 0.48 | 0.48 | 15.86 | 1748.00% | -141.00% | -18515.00% | 10.98% | 0.02 | 8.05% | 2.65% | 38.00% | 11.64% | 12.27 | 10.92 | 1.45 | -0.11 |
| HSBC | HSBC Holdings plc | $93.16 | 320.01B | -18% | +186% | -73% | -23% | 14.79 | 1.76 | 2.12 | 5.35 | — | 1.90 | 54.63% | 20.27% | 15.11% | 11.67% | 27.55% | 0.68% | 2.79 | 0.47 | 2.62 | 2.62 | 7.19 | -242.00% | 319.00% | -8471.00% | 3.00% | 0.04 | 11.52% | 4.32% | 63.90% | 5.47% | 5.19 | 16.56 | 1.05 | 0.36 |
| ING | ING Groep N.V. | $28.77 | 83.22B | +114% | -32% | +11% | — | 11.31 | 1.44 | 3.11 | 14.71 | 39.70 | 1.48 | 94.34% | 39.71% | 27.47% | 12.65% | 6.01% | 0.61% | 3.41 | — | 0.13 | 0.13 | 12.73 | 2848.00% | -6531.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 14.71 | — | 5.84 | -0.72 |
| MUFG | Mitsubishi UFJ Financial … | $18.64 | 211.28B | -44% | +27% | -35% | +24% | 9.44 | 1.17 | 1.94 | -13.69 | 33.40 | 1.29 | 56.54% | 20.52% | 14.99% | 12.72% | -5.30% | 0.62% | 4.36 | 0.46 | 0.49 | 0.49 | -6.64 | 2827.00% | 1413.00% | -9563.00% | -1.87% | 0.00 | 1.23% | 2.21% | 20.90% | 3.95% | -15.92 | 90.18 | -3.27 | -0.34 |
| NWG | NatWest Group plc | $16.60 | 33.09B | +38% | +14% | +23% | +161% | 3.17 | 0.57 | 0.83 | -0.22 | 11.59 | 0.69 | 56.34% | 26.15% | 19.78% | 18.81% | 80.29% | 1.08% | 1.69 | 0.60 | 0.20 | 0.20 | -1.53 | 2736.00% | 320.00% | 73429.00% | 23.70% | 0.01 | 79.68% | 9.73% | 30.80% | 20.20% | -0.26 | -0.34 | -0.07 | -0.51 |
| RY | Royal Bank of Canada | $167.23 | 234.95B | +114% | -45% | -73% | -37% | 16.33 | 2.39 | 2.42 | 34.89 | 64.13 | 2.96 | 45.26% | 18.67% | 14.82% | 15.30% | 2.63% | 0.91% | 6.00 | 0.36 | 0.13 | 0.13 | 26.02 | 2547.00% | 213.00% | 15398.00% | 15.92% | 0.04 | 6.84% | 2.65% | 43.20% | 6.70% | 39.08 | 18.92 | 7.30 | -0.45 |
| SAN | Banco Santander, S.A. | $12.36 | 182.47B | +169% | -61% | -1% | -94% | 11.23 | 1.54 | 1.32 | 28.35 | 86.47 | 1.85 | 40.05% | 15.58% | 11.76% | 13.98% | 3.07% | 0.76% | 4.47 | 0.31 | 2.57 | 0.00 | 21.11 | 1299.00% | -771.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 33.17 | — | 5.17 | 0.39 |
| SMFG | Sumitomo Mitsui Financial… | $22.44 | 85.9B | -22% | -73% | +8% | +61% | 7.51 | 0.60 | 0.92 | -18.49 | 28.76 | 0.65 | 48.90% | 17.60% | 12.20% | 8.02% | -2.38% | 0.39% | 3.96 | 0.37 | 0.45 | 0.45 | -8.73 | 2613.00% | 1016.00% | 173379.00% | 52.01% | 0.02 | -9.22% | 4.66% | 35.00% | 7.50% | -21.54 | -7.96 | -3.79 | -0.39 |
| UBS | UBS Group AG | $41.43 | 130.91B | +65% | -41% | -13% | — | 16.88 | 1.15 | 1.76 | 5.25 | 73.30 | 1.25 | 63.65% | 11.89% | 10.43% | 7.02% | 5.01% | 0.39% | 3.82 | 0.33 | 0.42 | 0.42 | 14.12 | 2303.00% | -2043.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 7.14 | — | 0.85 | -0.27 |
About Banco Bilbao Vizcaya Argentaria, S.A.
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.
- CEO
- Onur Genc
- Employees
- 124.74K
- Beta
- 0.97
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($14.89 ÷ $22.00) − 1 = -32.32% (DCF, example).