Despite its Spanish origins, BBVA generates only around a quarter of its profits in Spain. We expect that on a normalised basis, BBVA's market-leading Mexican bank should contribute half of its earnings, while its Turkish operation should account for another 15%. The balance of BBVA's earnings comes from smaller operations in South America. BBVA is overwhelmingly a retail and commercial bank, with corporate and investment banking forming a minor part of the overall business. BBVA also offers insurance and investment products through its banking networks.

Financial Strength

2/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	1.12
Equity-to-Asset	0.07
Debt-to-Equity	1.44
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.39	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

5/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	18.8
	3-Year EPS without NRI Growth Rate	45.1
	3-Year Book Growth Rate	9.8
	Future 3-5Y EPS without NRI Growth Rate	10.6
	Future 3-5Y Total Revenue Growth Rate	-0.31

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	6-1 Month Momentum %	9.57
	12-1 Month Momentum %	24.31

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	3.91
	3-Year Dividend Growth Rate	43.2
	Forward Dividend Yield %	4.95
	5-Year Yield-on-Cost %	6.83
	3-Year Average Share Buyback Ratio	4.3
	Shareholder Yield %	-5.62

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	24.48
	FCF Margin %	-7.75
	ROE %	16.35
	ROA %	1.07
	Years of Profitability over Past 10-Year	10

GF Value Rank

3/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	8.14
	Forward PE Ratio	7.7
	PE Ratio without NRI	7.08
	Shiller PE Ratio	15.62
	PEG Ratio	1.91
	PS Ratio	1.99
	PB Ratio	1.19
	Price-to-Tangible-Book	1.24
	EV-to-Revenue	1.68
	EV-to-FCF	-21.63
	Price-to-Projected-FCF	0.66
	Price-to-Median-PS-Value	1.25
	FCF Yield %	-4.2
	Forward Rate of Return (Yacktman) %	13.89

GF Value: €6.08

XAMS:BBV

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