Banco Bilbao Vizcaya Argentaria S.A. Common Stock (BBVA)

FairStock Score: 67/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Graham-style investor, I start with what a bank is: a leveraged pool of deposits and loans, so underwriting and capital quality matter more than any single quarter. BBVA is a diversified lender across Spain, Mexico, Turkey, South America, Europe, the United States, and Asia, which offers growth but also political and currency risk. In the second quarter of 2026 (2026-Q2), the supplied figures show revenue of $10.5 billion, net income of $3.1 billion, and a 29.15% margin—strong current profitability. FairStock calculations show an 18.92% return on equity, a 12.07 price-to-earnings ratio at the 2026-10-13 close, a 2.31 price-to-book, a 4.08% dividend yield, and a 1.06 PEG. A 0.90 beta is calm, but a Piotroski score of 4/9 is not impressive. The key issue is price versus book: I like buying banks near or below book when returns are durable, but at 2.31 times book the market already credits BBVA with sustained high profitability. The 18.92% ROE supports that to a degree, yet bank-specific measures—CET1, net interest margin, non-performing loans, leverage—are absent from this data, and D/E is N/A. Without them, I cannot judge credit or capital risk. The business looks above average, but the price looks full-to-fair, and I would want a larger margin of safety unless returns and asset quality prove durable.

In plain English: BBVA is a large international bank that takes deposits, makes loans, and sells financial services across Spain, Mexico, Turkey, South America, Europe, the U.S., and Asia. The business looks strong on current profits and returns, but the stock trades well above the bank's net worth. At today's price, it looks fair compared with earnings and not obviously cheap for a bank.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer