Banco Bilbao Vizcaya Argentaria, S.A.
Financial ratios & Valuation

Forward Multiples (2025 – 2028)

2025202620272028
Price/Earnings ratio
12.6812.3511.3512.76
Price/Sales ratio
3.763.673.042.16
Earnings per Share (EPS)
$1.49$1.53$1.66$1.48

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
18.6016.6412.1913.445.669.417.007.105.466.455.735.66
Price/Sales ratio
2.191.851.721.871.281.341.161.443.15K1.901.171.34
Price/Book Value ratio
0.990.930.891.010.640.670.600.750.731.001.040.64
Price/Cash Flow ratio
-7.871.906.3922.993.53-4.020.68-26.601.46-71.820.870.87
Price/Free Cash Flow ratio
-6.032.169.0866.174.26-3.440.70-15.101.63-20.380.850.85
Price/Earnings Growth ratio
0.01-2.210.37-2.190.07-0.220.290.450.110.25-1.67-0.22
Dividend Yield
1.69%2.33%3.77%3.59%6.88%6.49%3.95%2.80%6.29%5.42%7.42%6.88%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%111.65%100%100%100%100%108.76%100%100%
Operating Profit Margin
53.89%53.47%64.25%68.16%83.26%22.60%11.64%28.75%90445.45%56.34%27.06%22.60%
Pretax Profit Margin
18.34%24.83%25.95%27.43%31.78%25.98%22.61%31.75%94145.45%45.72%32.03%31.78%
Net Profit Margin
11.82%11.16%14.11%13.90%22.64%14.26%16.61%20.39%57800%29.52%21.28%21.28%
Effective Tax Rate
24.14%24.51%26.58%31.29%27.20%32.08%26.50%26.34%34.07%32.23%30.60%27.20%
Return on Assets
0.40%0.35%0.47%0.50%0.79%0.50%0.52%0.70%0.89%1.03%1.25%0.79%
Return On Equity
5.33%5.58%7.33%7.58%11.46%7.20%8.61%10.59%13.52%15.51%18.45%11.46%
Return on Capital Employed
1.83%1.68%2.16%5.01%5.67%0.79%0.36%0.99%1.39%1.97%1.60%1.60%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/A0.28N/AN/AN/AN/AN/A0.28
Quick Ratio
843.24N/A1.62K0.800.831.00K1.75K1.41K2.46KN/AN/A1.00K
Cash ratio
205.50N/A501.910.220.21231.32402.14342.02599.23N/AN/A231.32
Days of Sales Outstanding
150.46168.71164.09N/A441.82411.46N/AN/AN/A521.23N/A411.46
Days of Inventory outstanding
N/AN/AN/AN/A16.50KN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/A16.94KN/AN/AN/AN/A521.23N/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/A16.94KN/AN/AN/AN/A521.23N/AN/A
Debt Ratios
Debt Ratio
0.110.100.100.090.090.090.080.080.080.090.080.09
Debt Equity Ratio
1.471.731.611.371.291.401.441.351.241.401.271.40
Long-term Debt to Capitalization
0.590.630.610.570.560.580.590.570.550.580.560.58
Total Debt to Capitalization
0.590.630.610.570.560.580.590.570.550.580.560.58
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A1.33N/A
Cash Flow to Debt Ratio
-0.080.280.080.030.14-0.110.60-0.020.40-0.000.940.14
Company Equity Multiplier
13.2615.8615.4514.8814.3614.3416.5215.0915.1715.0014.5414.36
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
-0.270.970.260.080.36-0.331.70-0.052.15K-0.021.390.36
Free Cash Flow / Operating Cash Flow Ratio
1.300.880.700.340.821.160.971.760.893.520.970.82
Cash Flow Coverage Ratio
-0.080.280.080.030.14-0.110.60-0.020.40-0.000.940.14
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/A-5.69N/AN/AN/AN/A
Dividend Payout Ratio
31.55%38.79%46.01%48.32%39.01%61.13%27.73%19.90%34.36%35.01%33.01%61.13%