Last results 30 Jul 2026
Banco Bilbao Viscaya Argentaria SA ADR
I · AI Analysis
The brief
BBVA provides everyday banking services like checking accounts, loans, and credit cards to retail customers while also serving corporate clients with wholesale banking and transaction services [Yahoo Finance]. The bank operates a significant digital banking platform alongside its traditional branches, competing with both legacy banks and fintech startups [Yahoo Finance]. BBVA also runs insurance, asset management, and investment banking divisions across its international footprint [Yahoo Finance].
BBVA is a major Spanish bank with over 123,000 employees operating across Spain, Mexico, Turkey, South America, Europe, the United States, and Asia [Yahoo Finance]. The bank offers traditional retail and wholesale banking alongside digital banking, insurance, and asset management services [Yahoo Finance]. Founded in 1857, BBVA generates $36.9 billion in annual revenue and maintains a market capitalization of $120.6 billion [Yahoo Finance].
BBVA shows solid profitability with strong margins, though the health score of 6.7/10 flags moderate concerns [Sentinellis calculation].
Capital & liquidity
As BANCO BILBAO VIZCAYA ARGENTARIA SOCIEDAD ANONIMA disclosed it · March 31, 2026
- CET1 ratio
- its own requirement 13.14%12.83%
- Tier 1 ratio
- 14.20%
- Total capital ratio
- 17.30%
- Liquidity coverage ratio (LCR)
- regulatory minimum 100%141.85%
- Net stable funding ratio (NSFR)
- regulatory minimum 100%124.79%
Source: EBA Pillar 3 Data Hub
Sentinellis health
6.7/10
Moderate concerns
Market capitalisation
$120.6B
Revenue (TTM)
EUR 36.9B
Explainers
How we read these numbers
Plain-English guides · no account needed
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ReadII · Recent news
What moved
2 stories · ranked by relevance
- Macro2026-05-19
Money20/20 Europe Announces Powerhouse Speaker Lineup Featuring Leaders from Klarna, BBVA, ABN AMRO, Mastercard, eToro, and Revolut
Yahoo Finance
- Macro2026-05-15
Is BBVA (BME:BBVA) Still Undervalued After Strong Multi Year Returns And Recent Share Price Easing
Simply Wall St
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BBVA's Altman Z-score of -0.2 falls into the distress zone for traditional Z-score interpretation, though this metric is less reliable for banks due to their unique capital structures [Sentinellis calculation]
Risks
5
Opportunities
5
Red flags
1
Leadership
10
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