Banco Bilbao Vizcaya Argentaria, S.A.

Real companies with freely usable public data: official annual reports of European listed companies (ESEF), SEC accounts and ECB exchange rates. No share prices, so there is no market capitalisation, P/E or EV/EBITDA.

Shareholder score without valuation

Not available

Coverage 50 % · Coverage of 50 %, below the minimum of 60 %; only 1 factor with data (minimum 3)

Credit score

Not available

Coverage 0 % · No factor applies to this company

Alerts

Screens passed: 0 of 1

Shareholder view

Factor	Value	Compared with	Percentile	Weight	Contribution
ROE	No data	—	—	17 %	—
Attributable equity: missing “Attributable equity” for FY 31/12/2025
ROIC	Not applicable	—	—	17 %	—
Not applicable to banks and insurers: their EBITDA, debt and enterprise value are not comparable with those of a non-financial company.
Gross margin	Not applicable	—	—	17 %	—
Not applicable to banks and insurers: their EBITDA, debt and enterprise value are not comparable with those of a non-financial company.
EBITDA margin	Not applicable	—	—	17 %	—
Not applicable to banks and insurers: their EBITDA, debt and enterprise value are not comparable with those of a non-financial company.
Cash conversion	Not applicable	—	—	17 %	—
Not applicable to banks and insurers: their EBITDA, debt and enterprise value are not comparable with those of a non-financial company.
Revenue growth	4.1 %	Sector (8 companies)	44	17 %	—

Formulas and inputs

ROE: LTM attributable net income / Attributable equity at period end

ROIC: LTM EBIT × (1 − notional tax rate) / (Total equity + Financial debt − Cash)

Gross margin: LTM gross profit / LTM revenue

EBITDA margin: LTM EBITDA / LTM revenue

Cash conversion: (LTM operating cash flow − LTM capex) / LTM net income attributable

Revenue growth: LTM revenue / LTM revenue a year earlier − 1

LTM revenue: 36,931.0
Prior-year LTM revenue: 35,481.0

Amounts in euros

Market capitalisation	No data
Enterprise value (EV)	Not applicable
LTM revenue	36,931 M EUR
LTM EBITDA	Not applicable
Net debt	Not applicable

Creditor view

Factor	Value	Compared with	Percentile	Weight	Contribution
Net debt/EBITDA	Not applicable	—	—	33 %	—
Not applicable to banks and insurers: their EBITDA, debt and enterprise value are not comparable with those of a non-financial company.
Interest coverage	Not applicable	—	—	33 %	—
Not applicable to banks and insurers: their EBITDA, debt and enterprise value are not comparable with those of a non-financial company.
Debt/equity	Not applicable	—	—	33 %	—
Not applicable to banks and insurers: their debt includes deposits and the funding of their business, and their solvency is measured with capital ratios.

Formulas and inputs

Net debt/EBITDA: (Financial debt − Cash) / LTM EBITDA

Interest coverage: LTM EBITDA / LTM interest expense

Debt/equity: Financial debt / Total equity

Outstanding bonds

The loaded data contain no outstanding bonds of this company.

Alerts

No alerts in this run.

Screens

Screen	Result	Conditions
Moderate leverage	Undetermined	Net debt/EBITDA ≤ 2.5x: Not applicable: Not applicable to banks and insurers: their EBITDA, debt and enterprise value are not comparable with those of a non-financial company. Interest coverage ≥ 5.0x: Not applicable: Not applicable to banks and insurers: their EBITDA, debt and enterprise value are not comparable with those of a non-financial company.

Annual history (millions of EUR)

	2023 FY 31/12/2023	2024 FY 31/12/2024	2025 FY 31/12/2025
Revenue	29,542	35,481	36,931
EBITDA	—	—	—
Attributable net income	8,019	10,054	10,511
Free cash flow	-1,850	-19,385	14,141
Net debt	-2,732	23,319	29,002

Each fiscal year is labelled with the calendar year in which most of its months fall.

The scores summarise metrics compared with similar companies, and the alerts point to specific facts. Nothing shown here is a recommendation to buy or sell.