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

3/10

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

6/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	57.11
	9-Day RSI	53.61
	14-Day RSI	53.45
	6-1 Month Momentum %	50.7
	12-1 Month Momentum %	62.12

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	5.3
	Dividend Payout Ratio	0.32
	3-Year Dividend Growth Rate	43.2
	Forward Dividend Yield %	5.3
	5-Year Yield-on-Cost %	9.26
	3-Year Average Share Buyback Ratio	4.3
	Shareholder Yield %	-5.34

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	8.52
	Forward PE Ratio	8.02
	PE Ratio without NRI	7.41
	Shiller PE Ratio	16.33
	PEG Ratio	2
	PS Ratio	2.09
	PB Ratio	1.24
	Price-to-Tangible-Book	1.3
	EV-to-Forward-EBIT	3.36
	EV-to-Revenue	1.76
	EV-to-Forward-Revenue	1.91
	EV-to-FCF	-22.71
	Price-to-Projected-FCF	0.69
	Price-to-Median-PS-Value	1.31
	Price-to-Graham-Number	0.64
	FCF Yield %	-4.01
	Forward Rate of Return (Yacktman) %	13.43

GF Value: €7.89

STU:BBVA

Warning Signs

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