BBVANYSECommercial Banks, NECFiscal year ends December 31Also trades as BBVXF
BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Financials through fiscal 2025, year ended Dec 31, 2025
$25.25−0.47 (-1.83%)
Close on Oct 19, 2026
Margins need revenue and profit figures
This company does not report the lines needed to calculate margins.
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Gross profit | +4.1% | +14.3% | +12.9% | +4.7% | |
| Operating income | +5.3% | +15.9% | +25.7% | +10.0% | |
| Net income | +4.5% | +18.2% | +51.8% | +14.8% | |
| Free cash flow | – | -13.6% | -18.2% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on assets | 0.5% | 0.2% | 1.3% | |
| Interest coverage | 6874.0× | 0.7× | 0.5× | |
| Diluted shares | 6.59B | 0M | 5.76B |
Where the cash went
Fiscal 2021 to 2025, five years combined
Banco Bilbao Vizcaya Argentaria generated €58.84B from operations and spent €19.39B on capital expenditure, dividends and share buybacks. 28% of that went back into the business.
Generated
€58.84B
Used
€19.39B
Capital expenditure€5.36B28%Dividends€14.03B72%Share buybacks€00%
DuPont needs revenue, assets and equity
This company does not report all three for consecutive years.
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 5 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero€10.51B
- Cash generatingOperating cash flow above zero€14.97B
- Return on assets improvedROA up on the prior year1.3% → 1.4%
- Earnings backed by cashOperating cash flow above net income€14.97B vs €10.51B
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise5.79B → 5.76B
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose– → –