B 
Banco Bilbao Vizcaya Argentaria BBVA.MC · EUR
Financials · Banks · BME · 🇪🇸 Spain
Euro Stoxx 50
23.29
+2.46%
Close of 9 Nov 2026, in EUR
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Reference data, closing prices and charts across 45,000 companies, plus crypto, commodities and currencies.
At a glance
Figures in EUR, from our data supplier.
Net income
€10.51bn
FY2016FY2025
Total assets
€859.58bn
FY2016FY2025
Shareholders' equity
€57.35bn
FY2016FY2025
Income statement
Fiscal years
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating income | €16.23bn | €15.40bn | €12.42bn | €9.95bn | €7.25bn | €5.25bn | €7.05bn | €7.57bn | €6.93bn | €6.39bn |
| Net income | €10.51bn | €10.05bn | €8.02bn | €6.42bn | €4.65bn | €1.30bn | €3.51bn | €5.40bn | €3.51bn | €3.48bn |
| Diluted earnings per share | 1.85 | 1.75 | 1.37 | 0.99 | 0.71 | 0.18 | 0.53 | 0.76 | 0.53 | 0.53 |
Balance sheet
At each fiscal year end
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | €859.58bn | €772.40bn | €775.56bn | €712.09bn | €662.88bn | €736.26bn | €695.47bn | €675.67bn | €690.06bn | €731.86bn |
| Cash and short-term investments | €169.00bn | €118.86bn | €162.25bn | €225.41bn | €134.96bn | €172.54bn | €178.59bn | €177.56bn | €174.40bn | €183.09bn |
| Total liabilities | €797.78bn | €712.39bn | €720.29bn | €661.57bn | €614.13bn | €686.24bn | €640.54bn | €622.80bn | €636.74bn | €676.43bn |
| Debt | €168.38bn | €144.43bn | €68.71bn | €114.64bn | €61.94bn | €69.23bn | €115.91bn | €106.97bn | €103.99bn | €118.54bn |
| Shareholders' equity | €57.35bn | €55.65bn | €51.70bn | €46.90bn | €43.91bn | €44.55bn | €48.73bn | €47.11bn | €46.34bn | €47.36bn |
| Shares outstanding | 5,691m | 5,757m | 5,838m | 6,513m | 6,540m | 7,333m | 6,655m | 7,150m | 6,655m | 6,559m |
Latest quarters
By quarter end
| Jun 2026 | Mar 2026 | Dec 2025 | Sept 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sept 2024 | |
|---|---|---|---|---|---|---|---|---|
| Operating income | €4.86bn | €4.72bn | €3.93bn | €3.87bn | €4.08bn | €4.35bn | €3.76bn | €3.87bn |
| Net income | €3.06bn | €2.99bn | €2.53bn | €2.53bn | €2.75bn | €2.70bn | €2.43bn | €2.63bn |
| Diluted earnings per share | 0.56 | 0.54 | 0.45 | 0.44 | 0.48 | 0.47 | 0.42 | 0.46 |
| Total assets | €965.43bn | €894.27bn | €859.58bn | €813.06bn | €776.97bn | €772.86bn | €772.40bn | €769.34bn |
| Cash and short-term investments | €325.42bn | €286.36bn | €169.00bn | €125.11bn | €131.27bn | €142.32bn | €118.86bn | €150.16bn |
| Debt | €160.52bn | €87.56bn | €161.15bn | €108.71bn | €110.39bn | €106.27bn | €138.54bn | €169.52bn |
| Shareholders' equity | €58.95bn | €56.27bn | €57.35bn | €57.64bn | €56.83bn | €55.08bn | €55.65bn | €52.89bn |
Financial ratios
Data as of 9 Sept 2026
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Operating margin | 43.9% | 43.4% | 21.3% | 40.2% | 23.1% | 23.6% |
| Net margin | 28.5% | 28.3% | 13.8% | 25.9% | 14.9% | 5.9% |
| Return on equity | 18.3% | 18.1% | 15.5% | 13.7% | 10.6% | 2.9% |
| Return on assets | 1.2% | 1.3% | 1.0% | 0.9% | 0.7% | 0.2% |
| Revenue growth | 4.1% | -39.0% | 135.2% | -21.0% | 40.6% | -4.3% |
| Earnings growth | 4.5% | 25.4% | 24.9% | 38.0% | 256.6% | -62.8% |
| Current ratio | 0.26x | 0.30x | 0.37x | 0.48x | 752.54x | 810.20x |
| Debt to equity | 2.81x | 2.49x | 3.21x | 2.34x | 1.27x | 1.46x |
| Equity ratio | 6.7% | 7.2% | 6.7% | 6.6% | 6.6% | 6.1% |
| Interest coverage | 0.51x | 0.42x | 0.50x | 0.81x | 0.87x | 0.67x |
| Buybacks as a share of market value | 1.1% | 1.4% | 10.4% | 0.4% | 10.8% | -10.2% |
Growth per year
Compound annual rate
| 3 years | 5 years | 10 years | |
|---|---|---|---|
| Revenue | 14.3% | 10.6% | 3.6% |
| Operating income | 17.7% | 25.3% | 13.4% |
| Net income | 17.9% | 51.8% | 14.8% |
Average margins
Over each period
| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Operating margin | 43.7% | 34.8% | 31.8% | 29.7% |
| Net margin | 28.4% | 22.5% | 19.6% | 17.8% |
Valuation history
At each fiscal year end
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Price to earnings | 10.9 | 5.4 | 6.0 | 5.7 | 7.4 | 22.7 | 9.4 | 6.1 | 13.5 | 12.1 |
| Price to sales | 3.1 | 1.5 | 0.8 | 1.5 | 1.1 | 1.3 | 1.4 | 1.4 | 1.8 | 1.6 |
Dividends and splits
Per share, in the currency the company pays
Paid for 36 years. Last went ex-dividend on 13 Oct 2026.
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | |
|---|---|---|---|---|---|---|---|---|
| Paid in the year | 0.97 | 0.73 | 0.68 | 0.47 | 0.35 | 0.139 | 0.16 | 0.26 |
- 1-to-1 reverse split · 14 Apr 2009
- 1-to-1 reverse split · 20 Jan 1999
- 3-for-1 split · 11 Jul 1998
- 3-for-1 split · 19 Jul 1997
- 13-for-12 split · 22 Mar 1989
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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