📊 BBVXF Key Takeaways
Is Banco Bilbao Vizcaya Argentaria, S.a. (BBVXF) a Good Investment?
Unable to conduct fundamental analysis due to insufficient SEC EDGAR data. The company is a Spanish bank with US ADR listing, but critical financial metrics including revenue, net income, profitability ratios, balance sheet components, and cash flow data are unavailable. Data quality is critically compromised with only 1 metric available.
BBVA’s fundamentals are strong: 2024 profit attributable to parent rose 25.4% to €10.054 billion, with ROE of 18.9%, ROTE of 19.7%, and ROA of 1.36%, while 9M 2025 profit still grew 4.7% year over year to €7.978 billion. Capital and credit quality also improved, with CET1 rising from 12.88% at December 31, 2024 to 13.42% at September 30, 2025 and the NPL ratio falling from 3.0% to 2.8%, supporting a positive view on profitability quality and financial resilience.
Why Buy Banco Bilbao Vizcaya Argentaria, S.a. Stock? BBVXF Key Strengths
- Listed on major US exchange (NYSE) with regulatory oversight
- International banking diversification as multinational institution
- Subject to SEC reporting requirements
- High and improving profitability, with 2024 attributable profit up 25.4% and 2024 ROE/ROTE of 18.9%/19.7%
- Solid capital position, with CET1 improving from 12.88% at year-end 2024 to 13.42% by September 30, 2025
- Credit quality is trending favorably, with NPL ratio improving from 3.0% in 2024 to 2.8% in 9M 2025 and coverage strengthening
BBVXF Stock Risks: Banco Bilbao Vizcaya Argentaria, S.a. Investment Risks
- Severe data unavailability prevents fundamental analysis
- No profitability metrics available for assessment
- No balance sheet or liquidity metrics to evaluate financial health
- Zero insider activity in last 90 days suggests limited transparency
- Possible data retrieval issue with foreign filer or legacy filing format
- Credit costs remain material, with 2024 impairment on financial assets rising 29.7% year over year to €5.745 billion
- Earnings are exposed to macro, currency, and credit-cycle volatility across key markets such as Mexico, Turkey, and South America
- Bank profitability remains sensitive to interest-rate shifts, regulatory capital requirements, and sector-specific taxes
Key Metrics to Watch
- Net Interest Margin and total net revenue
- Return on Equity and Return on Assets
- Loan loss provisions and asset quality metrics
- Tier 1 capital ratio and liquidity coverage ratio
- Non-performing loan ratio
- CET1 ratio and leverage ratio
- NPL ratio, coverage ratio, and impairment cost of risk
Banco Bilbao Vizcaya Argentaria, S.a. (BBVXF) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
BBVXF Profit Margin, ROE & Profitability Analysis
BBVXF vs Finance Sector: How Banco Bilbao Vizcaya Argentaria, S.a. Compares
How Banco Bilbao Vizcaya Argentaria, S.a. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Banco Bilbao Vizcaya Argentaria, S.a. Stock Overvalued? BBVXF Valuation Analysis 2026
Based on fundamental analysis, Banco Bilbao Vizcaya Argentaria, S.a. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Banco Bilbao Vizcaya Argentaria, S.a. Balance Sheet: BBVXF Debt, Cash & Liquidity
BBVXF Revenue Growth, EPS Growth & YoY Performance
BBVXF SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Banco Bilbao Vizcaya Argentaria, S.a. (CIK: 0000842180)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BBVXF
What is the AI rating for BBVXF?
Banco Bilbao Vizcaya Argentaria, S.a. (BBVXF) has a Combined AI Rating of BUY from Claude (HOLD) and ChatGPT (BUY) with 48% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are BBVXF's key strengths?
Claude: Listed on major US exchange (NYSE) with regulatory oversight. International banking diversification as multinational institution. ChatGPT: High and improving profitability, with 2024 attributable profit up 25.4% and 2024 ROE/ROTE of 18.9%/19.7%. Solid capital position, with CET1 improving from 12.88% at year-end 2024 to 13.42% by September 30, 2025.
What are the risks of investing in BBVXF?
Claude: Severe data unavailability prevents fundamental analysis. No profitability metrics available for assessment. ChatGPT: Credit costs remain material, with 2024 impairment on financial assets rising 29.7% year over year to €5.745 billion. Earnings are exposed to macro, currency, and credit-cycle volatility across key markets such as Mexico, Turkey, and South America.
What is BBVXF's revenue and growth?
Banco Bilbao Vizcaya Argentaria, S.a. reported revenue of N/A.
Does BBVXF pay dividends?
Banco Bilbao Vizcaya Argentaria, S.a. does not currently pay dividends.
Where can I find BBVXF SEC filings?
Official SEC filings for Banco Bilbao Vizcaya Argentaria, S.a. (CIK: 0000842180) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BBVXF's EPS?
Banco Bilbao Vizcaya Argentaria, S.a. has a diluted EPS of $0.00.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is BBVXF a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Banco Bilbao Vizcaya Argentaria, S.a. has a BUY rating with 48% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is BBVXF stock overvalued or undervalued?
Valuation metrics for BBVXF: ROE of N/A (sector avg: 12%), net margin of N/A (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy BBVXF stock in 2026?
Our dual AI analysis gives Banco Bilbao Vizcaya Argentaria, S.a. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is BBVXF's free cash flow?
Banco Bilbao Vizcaya Argentaria, S.a.'s operating cash flow is N/A, with capital expenditures of N/A.
How does BBVXF compare to other Finance stocks?
Vs Finance sector averages: Net margin N/A (avg: 25%), ROE N/A (avg: 12%), current ratio N/A (avg: 1.2).