Banco Bilbao Vizcaya Argentaria, S.A.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Banco Bilbao Vizcaya Argentaria, S.A.'s yearly results (2022–2025), compared with companies in Spain. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Growth Efficiency Ratio
€37Sales grew 40% in 3 years; of every extra €100 of sales, €37 became extra profit.
Asset Productivity Ratio
+40% / +21%In 3 years sales changed by +40% while total assets changed by +21%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every €100 the company owns, €100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Tangible Net Worth Ratio
95%Of every €100 of net worth, €95 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Banco Bilbao Vizcaya Argentaria, S.A. owes €0.93 for every €1 it owns. Net profit rose 5% in the year to Dec 2025, and grew 18% a year on average over 3 years.
Compared with companies in Spain · latest annual results Dec 2025.
P/E ratio
11.8Investors pay €11.8 for every €1 of Banco Bilbao Vizcaya Argentaria, S.A.'s yearly profit.
P/B ratio
2.07The share price is 2.07 times Banco Bilbao Vizcaya Argentaria, S.A.'s book value per share.
Market cap
€122.0 BThe total market value of all of Banco Bilbao Vizcaya Argentaria, S.A.'s shares at today's price (share price × number of shares). PosiCap size class: Tito Cap.
Net worth (book value)
€59.0 BWhat Banco Bilbao Vizcaya Argentaria, S.A. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
€10.72Net worth divided by the number of shares. The share price of €22.19 is 2.1 times this, which is the P/B above.
Return on equity (ROE)
18.9%Banco Bilbao Vizcaya Argentaria, S.A. earned 18.9% on its shareholders' money over the last year.
Owes vs Owns
0.93×Banco Bilbao Vizcaya Argentaria, S.A. owes €0.93 for every €1 it owns (high). Banks and lenders usually show higher figures.
Dividend yield
4.21%Banco Bilbao Vizcaya Argentaria, S.A. pays 4.21% of its share price as dividends a year.
Revenue growth
+0%Revenue rose 0% in the year to Dec 2025, and grew 12% a year on average over 3 years.
Profit growth
+5%Net profit rose 5% in the year to Dec 2025, and grew 18% a year on average over 3 years.
Profit margin
26.7%Banco Bilbao Vizcaya Argentaria, S.A. keeps €27 of every €100 of revenue as net profit.
Questions
What is Banco Bilbao Vizcaya Argentaria, S.A.'s P/E ratio?
Investors pay €11.8 for every €1 of Banco Bilbao Vizcaya Argentaria, S.A.'s yearly profit.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Banco Bilbao Vizcaya Argentaria, S.A.: €122.0 B ÷ €59.0 B (30 Jun 2026) = 2.1.
What is Banco Bilbao Vizcaya Argentaria, S.A.'s return on equity?
Banco Bilbao Vizcaya Argentaria, S.A. earned 18.9% on its shareholders' money over the last year.
How much does Banco Bilbao Vizcaya Argentaria, S.A. owe compared with what it owns?
Banco Bilbao Vizcaya Argentaria, S.A. owes €0.93 for every €1 it owns (high). Banks and lenders usually show higher figures.
Does Banco Bilbao Vizcaya Argentaria, S.A. pay a dividend?
Yes. Banco Bilbao Vizcaya Argentaria, S.A. pays 4.21% of its share price as dividends a year.
Is Banco Bilbao Vizcaya Argentaria, S.A.'s revenue growing?
Revenue rose 0% in the year to Dec 2025, and grew 12% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.