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Upturn AI SWOT - About
BBVA 
Banco Bilbao Viscaya Argentaria SA ADR (BBVA)
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Upturn Advisory Summary
01/30/2025: BBVA (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 4.68% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/30/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 79.12B USD | Price to earnings Ratio 7.63 | 1Y Target Price 15.62 |
Price to earnings Ratio 7.63 | 1Y Target Price 15.62 | ||
Volume (30-day avg) 2010126 | Beta 1.52 | 52 Weeks Range 9.02 - 14.84 | Updated Date 03/30/2025 |
52 Weeks Range 9.02 - 14.84 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 5.60% | Basic EPS (TTM) 1.8 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.85% | Operating Margin (TTM) 50.56% |
Management Effectiveness
Return on Assets (TTM) 1.37% | Return on Equity (TTM) 18.35% |
Valuation
Trailing PE 7.63 | Forward PE 7.67 | Enterprise Value 88822374400 | Price to Sales(TTM) 2.51 |
Enterprise Value 88822374400 | Price to Sales(TTM) 2.51 | ||
Enterprise Value to Revenue 2.63 | Enterprise Value to EBITDA - | Shares Outstanding 5756619776 | Shares Floating 5746602091 |
Shares Outstanding 5756619776 | Shares Floating 5746602091 | ||
Percent Insiders 0.01 | Percent Institutions 3.79 |
Analyst Ratings
Rating 3.5 | Target Price 12.29 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Banco Bilbao Viscaya Argentaria SA ADR
Company Overview
History and Background
Banco Bilbao Vizcaya Argentaria (BBVA) was formed in 1999 from the merger of Banco Bilbao Vizcaya (BBV) and Argentaria. BBV was itself the result of the 1988 merger of Banco de Bilbao and Banco de Vizcaya. Argentaria was formed in the early 1990s, consolidating state-owned banks. The history can be traced back to the 19th century and has evolved into a global financial services group.
Core Business Areas
- Retail Banking: Provides banking services to individual customers, including deposit accounts, loans, credit cards, and investment products.
- Corporate and Investment Banking: Offers financial solutions to businesses, including lending, transaction banking, capital markets, and advisory services.
- Asset Management and Insurance: Manages assets for individuals and institutions, and provides insurance products and services.
- Global Markets: Involves trading in fixed income, currencies, commodities, and derivatives.
Leadership and Structure
BBVA is led by a Chief Executive Officer (CEO) and a Board of Directors. The organizational structure includes various divisions and departments responsible for different business areas and functions. Key leadership includes Carlos Torres Vila (Chairman) and Onur Genu00e7 (CEO).
Top Products and Market Share
Key Offerings
- Mortgages: BBVA offers a variety of mortgage products to individuals. Competitors include Santander (SAN), CaixaBank, and other Spanish banks. Market share varies by region and product type.
- Credit Cards: BBVA provides credit cards with different features and rewards programs. Competitors include Santander (SAN), American Express (AXP), and Visa (V). Market share varies by region.
- Corporate Loans: BBVA offers lending services to businesses. Competitors include Santander (SAN), JP Morgan Chase (JPM) and BNP Paribas. Market share varies by region and industry.
Market Dynamics
Industry Overview
The banking industry is undergoing digital transformation, increased regulation, and evolving customer expectations. Low interest rates and economic uncertainty pose challenges. Fintech companies are also disrupting the traditional banking landscape.
Positioning
BBVA is positioned as a global bank with a strong presence in Spain, Mexico, Turkey, and South America. Its competitive advantages include its digital banking capabilities, international diversification, and strong capital base.
Total Addressable Market (TAM)
The global banking market is estimated to be worth trillions of dollars. BBVA is positioned to capture a portion of this market through its various business segments and geographic presence.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- International diversification
- Advanced digital banking platform
- Solid capital position
- Strong presence in key markets like Spain and Mexico
Weaknesses
- Exposure to emerging markets volatility
- Operational risks
- Regulatory compliance costs
- Relatively lower profitability compared to some peers
- Dependence on European and Latin American markets
Opportunities
- Expansion in high-growth markets
- Further development of digital banking services
- Strategic acquisitions
- Increased cross-selling opportunities
- Growing demand for sustainable financing
Threats
- Increased competition from fintech companies
- Economic downturns in key markets
- Changes in regulations
- Cybersecurity threats
- Fluctuations in currency exchange rates
Competitors and Market Share
Key Competitors
- SAN
- BCS
- ING
- JPM
Competitive Landscape
BBVA faces competition from global and regional banks, as well as fintech companies. BBVA's strengths include its digital banking platform and international diversification. Weaknesses include exposure to emerging markets and regulatory compliance costs.
Major Acquisitions
Simple
- Year: 2014
- Acquisition Price (USD millions): 117
- Strategic Rationale: To acquire digital banking technology and talent to enhance BBVA's digital capabilities.
Holvi
- Year: 2016
- Acquisition Price (USD millions): 0
- Strategic Rationale: BBVA acquired Holvi to strengthen its presence in the fintech space and to offer innovative financial solutions for small businesses. Financial details not public.
Growth Trajectory and Initiatives
Historical Growth: BBVA's historical growth has been driven by organic expansion, acquisitions, and international diversification.
Future Projections: Analyst estimates suggest moderate revenue growth and improved profitability in the coming years, driven by digital banking initiatives and economic recovery.
Recent Initiatives: Recent strategic initiatives include investments in digital technology, expansion in high-growth markets, and a focus on sustainable financing.
Summary
BBVA is a global bank with a strong presence in Spain and Mexico. It has made strategic investments in digital technologies and is focusing on sustainable financing. While the bank faces competition from fintech companies and exposure to emerging market risks, its diversified business model and solid capital position provide a sound base for future growth. Key to the bank's growth is focusing on their digital technologies.
Similar Companies
- SAN
- BCS
- ING
- JPM
Sources and Disclaimers
Data Sources:
- BBVA Annual Reports
- Analyst Reports
- Market Data Providers
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Banco Bilbao Viscaya Argentaria SA ADR
Exchange NYSE | Headquaters - | ||
IPO Launch date 1988-12-15 | CEO & Executive Director Mr. Onur Genc | ||
Sector Financial Services | Industry Banks - Diversified | Full time employees 125916 | Website https://www.bbva.com |
Full time employees 125916 | Website https://www.bbva.com | ||
Banco Bilbao Vizcaya Argentaria, S.A. provides retail banking, wholesale banking, and asset management services primarily in Spain, Mexico, Turkey, South America, rest of Europe, the United States, and Asia. The company offers savings accounts, demand deposits, and time deposits; and residential mortgage, other household, credit card, and enterprises and public sector loans, as well as consumer finance. It provides insurance and asset management business, including corporate, commercial, SME, payment systems, retail, private and investment banking, pension and life insurance, leasing, factoring, and brokerage. The company provides its products through online and mobile channels. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.
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