Banco Bilbao Vizcaya Argentaria SA

NYSE:BBVAFinancial Services

$25.03−2.95%At closeAt close · Fri 23 Oct · ≈ AED 91.92 · Market cap $142.31B · Next earnings Thu 29 Oct · Extended $24.67 −1.44%

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	56.3%	63.8%	61.1%	49.8%	−18.8%	83.6%	—	—
Operating margin	17.5%	23.1%	25.4%	21.3%	43.4%	43.9%	43.9%	+0.0 pts
Net margin	4.3%	14.9%	15.7%	13.8%	28.3%	28.5%	30.1%	+1.7 pts
EBITDA margin	21.7%	27.1%	28.7%	23.8%	47.7%	48.1%	—	—
Return on equity	2.9%	10.6%	13.6%	15.5%	18.1%	18.3%	18.0%	−0.3 pts
Return on assets	0.2%	0.7%	0.9%	1.0%	1.3%	1.2%	1.3%	+0.1 pts
Return on capital employed	1.7%	3.3%	5.0%	6.3%	7.8%	7.2%	—	—
Debt / equity	2.5×	2.6×	2.4×	3.5×	2.6×	1.4×	1.3×	−7.2%
Debt / assets	15.1%	17.5%	16.1%	23.1%	18.7%	9.5%	—	—
Interest coverage	0.7×	0.9×	0.8×	0.5×	0.4×	0.0×	—	—
Current ratio	0.5×	0.4×	0.4×	0.4×	0.3×	0.4×	0.4×	+0.0%
Quick ratio	0.5×	0.4×	0.4×	0.4×	0.3×	0.4×	—	—
Cash ratio	0.2×	0.2×	0.2×	0.1×	0.1×	0.1×	0.1×	+0.0%
Asset turnover	0.0×	0.0×	0.1×	0.1×	0.0×	0.0×	—	—
Receivables turnover	1.2×	1.1×	1.6×	2.3×	1.1×	—	—	—
Dividend payout	81.6%	19.9%	34.4%	35.0%	38.9%	39.9%	—	—