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Banco Bilbao Vizcaya Argentaria BBVA

US equityMarket cap rank #101Banks - Diversified
$28.52
+$0.43 (+1.51%)
Market open · Sep 24, 1:10 pm ET
After hours $28.09 0.00%
Open$28.38
Prev close$28.09
Day range$28.23 – $28.59
Volume981.6K
Market cap$157.35B
P/E (TTM)13.3
Dividend yield3.71%

Fundamentals

Latest reported quarter: Q2, ended Jun 2026 · reported in EUR

Revenue€10.51B+20.6% YoY
Net profit€3.28B+12.5% YoY
Diluted EPS€0.53+15.2% YoY
Free cash flow€3.31B+145.0% YoY
Operating cash flow€4.01B

Revenue, last 8 quarters

€9.3BSep '24€9.3BDec '24€9.3BMar '25€8.7BJun '25€9.8BSep '25€9.8BDec '25€10.7BMar '26€10.5BJun '26

Net profit, last 8 quarters

€2.7BSep '24€2.6BDec '24€2.9BMar '25€2.9BJun '25€2.7BSep '25€2.7BDec '25€3.2BMar '26€3.3BJun '26

Diluted EPS by quarter

0.44Sep '240.40Dec '240.45Mar '250.46Jun '250.42Sep '250.42Dec '250.51Mar '260.53Jun '26

Free cash flow by quarter

€3.3BMar '23€-11.6BJun '23€-5.0BSep '23€10.7BDec '23€15.1BSep '24€-7.3BDec '24€16.8BSep '25€3.3BDec '25

Annual revenue

€22.3BFY20€23.0BFY21€28.1BFY22€33.4BFY23€39.2BFY24€39.4BFY25

Profitability & balance sheet

Net margin25.2%
Return on equity18.5%
Return on assets1.2%
Liabilities / assets93.4%
Cash & investments€108.52B
Total debt€106.16B
Net cash (debt)€2.36B

This company reports in its own local currency, not U.S. dollars. Every figure below is labeled with its real currency, not automatically converted.

Income statement

Line item 2026 Q2
(EUR)
2026 Q1
(EUR)
2025 ANNUAL
(EUR)
2025 Q4
(EUR)
2025 Q3
(EUR)
Total Operating Revenue €10.51B €10.65B €39.42B €9.80B €9.78B
Net Interest Income €7.63B €7.54B €26.28B €7.03B €6.64B
-Interest Income €7.63B €7.54B €58.35B €7.03B €14.76B
Non-Interest Income €2.88B €3.12B €13.14B €2.76B €3.14B
-Fees and Commissions €2.32B €2.26B €8.21B €2.15B €2.06B
-Trading Gain Loss €582.00M €915.00M €2.26B €694.00M €568.00M
-Other Non-Interest Income -€19.00M -€56.00M €689.00M -€78.00M €146.00M
-Gain Loss on Sale of Assets €0.00 €0.00 €619.00M €0.00 €85.00M
Credit Losses Provision -€1.68B -€1.82B -€6.21B -€1.75B -€1.57B
Non-Interest Expense €3.98B €4.11B €16.10B €4.11B €4.35B
Selling and Admin Expenses €3.54B €3.63B €12.59B €3.58B €3.19B
-General & Admin Expense €3.54B €3.63B €12.02B €3.58B €3.19B
Depreciation & Amortization & Depletion €416.00M €418.00M €1.52B €393.00M €379.00M
-Depreciation & Amortization €416.00M €418.00M €1.52B €393.00M €379.00M
Other Non-Interest Expenses €31.00M €64.00M €1.43B €140.00M €777.00M
Other Income (Expense) €12.00M €2.00M -€873.00M -€4.00M €10.00M
Special Income (Charges) €12.00M €2.00M -€935.00M -€4.00M -€2.00M
-Less:Other Special Charges -€12.00M -€2.00M €955.00M €4.00M
Pretax Profit €4.86B €4.72B €16.23B €3.93B €3.87B
Tax €1.58B €1.53B €5.10B €1.27B €1.21B
Net Profit €3.28B €3.19B €11.13B €2.67B €2.66B
Profit from Continuing Operations €3.28B €3.19B €11.13B €2.67B €2.66B
Minority Interests €219.00M €199.00M €615.00M €132.00M €132.00M
Net Income to Parent Company €3.06B €2.99B €10.51B €2.53B €2.53B
Net Income to Common Stockholders €3.06B €2.88B €10.11B €2.53B €2.53B
Basic EPS €0.53 €0.51 €1.76 €0.42 €0.42
Diluted EPS €0.53 €0.51 €1.76 €0.42 €0.42
Dividend Per Share €0.61 €0.00 €0.72 €0.32 €0.00
Other Preferred Stock Dividends €113.00M €397.00M
-Interest Expense €32.07B €8.12B
-Total Premiums Earned €1.52B €389.00M
-Dividend Income €123.00M €4.00M
-Foreign Exchange Trading Gains -€285.00M -€114.00M
Occupancy and Equipment €561.00M
-Selling & Marketing Expense €564.00M
Income from Associates & Other Participating Interests €62.00M €12.00M
-Less:Restructuring and Mergern & Acquisition €0.00
-Less:Impairment of Capital Assets €9.00M
-Less:Write Off €7.00M €0.00
-Gain on Sale of Business €36.00M -€2.00M
Net Income from Discontinuous Operations €0.00 €0.00

Balance sheet

Line item 2026 Q2
(EUR)
2026 Q1
(EUR)
2025 ANNUAL
(EUR)
2025 Q4
(EUR)
2025 Q3
(EUR)
Total Assets €965.43B €894.27B €859.58B €859.58B €813.06B
Cash, Cash Equivalents & Federal Funds Sold €108.52B €80.12B €125.96B €125.96B €66.00B
-Cash and Cash Equivalents €108.52B €80.12B €69.89B €69.89B €66.00B
Securities Investment €304.78B €293.51B €184.22B €184.22B €175.78B
-Trading Securities €154.70B €144.30B €40.75B €40.75B €38.31B
-Available for Sale Securities €87.88B €87.27B €85.12B €85.12B €78.36B
-Short Term Investments €62.21B €61.94B €58.36B €58.36B €59.11B
Long Term Equity Investment €997.00M €1.02B €994.00M €994.00M €1.01B
Net Loan €509.42B €478.95B €468.84B €468.84B €500.89B
-Gross Loan €522.54B €491.62B €481.13B €481.13B €512.63B
-Allowance for Loans and Lease Losses €13.12B €12.67B €12.30B €12.30B €11.74B
Net PPE €9.77B €9.67B €9.25B €9.25B €9.02B
Goodwill and Other Intangible Assets €3.12B €2.94B €2.86B €2.86B €2.67B
Other Assets €28.82B €28.07B €3.14B €3.14B €3.73B
Total Liabilities €901.63B €833.46B €797.78B €797.78B €751.26B
Total Deposits €532.98B €505.06B €513.01B €513.01B €527.05B
Trading Liabilities €163.18B €151.20B €24.62B €24.62B €24.47B
Long Term Debt and Capital Lease Obligation €106.16B €87.56B €89.08B €89.08B €84.10B
-Long Term Debt €106.16B €87.56B €87.84B €87.84B €82.67B
Other Liabilities €99.32B €89.64B €29.60B €29.60B €27.18B
Total Equity €63.79B €60.80B €61.80B €61.80B €61.81B
Stockholders' Equity €58.95B €56.27B €57.36B €57.36B €57.64B
Capital Stock €75.61B €74.80B €2.80B €2.80B €2.82B
-Common Stock €75.61B €74.80B €2.80B €2.80B €2.82B
Gains/Losses Not Affecting Retained Earnings -€16.66B -€18.53B -€20.51B -€20.51B -€18.71B
Other Equity Interests €75.61B €40.00M €40.00M €34.00M
Minority Interests €4.84B €4.53B €4.44B €4.44B €4.17B
-Money Market Investments €56.08B €56.08B
Derivative Assets €33.03B €33.03B €33.59B
Receivables €16.71B €16.71B €5.67B
-Other Receivables €16.71B €16.71B €5.67B
-Gross PPE €17.26B €17.26B €16.87B
-Accumulated Depreciation -€8.01B -€8.01B -€7.85B
-Goodwill €715.00M €715.00M €699.00M
-Other Intangible Assets €2.14B €2.14B €1.97B
Deferred Assets €13.87B €13.87B €13.98B
Assets Held for Sale €709.00M €709.00M €738.00M
Federal Funds Purchased and Securities Sold Under Agreement to Repurchase €79.08B €79.08B €26.04B
Derivative Product Liabilities €32.28B €32.28B €33.10B
Short-Term Debt and Capital Lease Obligation €227.00M €227.00M
-Current Capital Lease Obligation €227.00M €227.00M
Payables €20.28B €20.28B €19.61B
-Total Tax Payable €1.48B €1.48B €1.36B
-Other Payable €18.80B €18.80B €18.25B
Current Accrued Expenses €3.46B €3.46B €3.50B
-Long Term Capital Lease Obligation €1.24B €1.24B €1.43B
Non-Current Liabilities €1.02B €1.02B €1.02B
Employee Benefits €2.60B €2.60B €2.66B
Non-Current Deferred Liabilities €2.54B €2.54B €2.54B
Liabilities of Discontinued Operations €0.00 €0.00 €0.00
Additional Paid-In Capital €18.47B €18.47B €19.18B
Retained Earnings €56.86B €56.86B €54.41B
Less: Treasury Stock €299.00M €299.00M €93.00M

Cash flow

Line item 2025 ANNUAL
(EUR)
2025 Q4
(EUR)
2025 Q3
(EUR)
2024 ANNUAL
(EUR)
2024 Q4
(EUR)
Operating Cash Flow €14.97B €4.01B €17.17B -€18.19B -€6.70B
Net cash flow from continuing operations €14.97B €4.01B €17.17B -€18.19B -€6.70B
Net Income from Continuing Operations €11.13B €2.67B €2.66B €10.58B €2.59B
Depreciation & Depletion & Amortization €1.52B €393.00M €379.00M €1.53B €408.00M
Other Non-Cash Items €12.85B €5.05B €1.56B €13.28B €12.84B
Change in Working Capital -€7.21B -€2.60B €13.48B -€37.95B -€20.62B
-Change in Other Current Assets €672.00M -€2.14B
-Change in Other Current Liabilities -€1.35B €392.00M
-Change in Other Working Capital -€6.53B -€1.92B €14.82B -€36.20B -€18.87B
Net cash flow from investing -€1.40B -€478.00M -€379.00M -€1.42B -€257.00M
Net Cash Flow from Continuing Investing Activities -€1.40B -€478.00M -€379.00M -€1.42B -€257.00M
Net PPE Purchase and Sale -€744.00M -€321.00M -€191.00M -€1.09B -€246.00M
Net Intangibles Purchase and Sale -€979.00M -€297.00M -€245.00M -€816.00M -€293.00M
Net Business Purchase and Sale €50.00M €50.00M €0.00 €45.00M €68.00M
Net Investment Purchase and Sale €82.00M €38.00M €3.00M €31.00M €10.00M
Net Other Investing Changes €188.00M €52.00M €54.00M €408.00M €204.00M
Financing Cash Flow -€3.67B -€1.79B €278.00M -€2.57B -€1.13B
Net Cash Flow from Continuing Financing Activities -€3.67B -€1.79B €277.00M -€2.57B -€1.13B
Net Issuance Payments of Debt €2.34B €1.33B €335.00M €2.92B €601.00M
Net Common Stock Issuance -€1.24B -€1.18B €2.00M -€838.00M €41.00M
Cash Dividends Paid -€4.20B -€1.84B €0.00 -€3.91B -€1.67B
Net Other Financing Activities -€579.00M -€104.00M -€59.00M -€731.00M -€105.00M
Ending Cash Balance €58.84B €58.84B €57.13B €51.15B €51.15B
Net Change in Cash €9.89B €1.74B €17.07B -€22.18B -€8.09B
Beginning Cash Balance €51.15B €57.13B €40.02B €75.42B €58.59B
Effect of Exchange Rate Changes -€2.20B -€25.00M €40.00M -€2.09B €645.00M
Free Cash Flow €13.16B €3.31B €16.75B -€20.20B -€7.34B
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