BBVA vs COF
Banco Bilbao Vizcaya Argentaria, S.A. vs Capital One — AI-powered side-by-side comparison
BBVA
Banco Bilbao Vizcaya Argentaria, S.A.
63
Buy
VS
| Metric | BBVA | COF |
|---|
| AI Score |
63
|
73
|
| Price |
$28.50
|
$219.04
|
| P/E Ratio |
12.85×
|
13.56×
|
| ROE |
18.3%
|
2.2%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
83.3%
|
66.2%
|
| Debt / Equity |
1.80×
|
0.40×
|
| Dividend Yield |
3.2%
|
1.4%
|
| RSI (14) |
72.8
|
64.0
|
| Beta |
0.89
|
1.016
|
| Expected Upside |
—
|
+4.2%
|
AI Committee View
Current Innellis committee reasoning for BBVA versus COF.
COF leads by 10 points.
COF scores 73/100 (Buy) versus BBVA at 63/100 (Buy).
BBVA Committee View
83% agreement
6 analysts
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 72.4% yoy -- genuine top-line momentum. Risk Analyst remains cautious — high leverage (debt-to-equity 2.04) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- P/E of 12.3 is inexpensive for the broad market — Value
- ROE of 19.3% shows genuine earnings power backing the valuation — Value
- Dividend yield of 3.0% pays you to wait — Value
Bear Case
- Debt-to-equity of 2.04 adds balance-sheet risk to the value case — Value
- RSI at 73 is in overbought territory — Technical
- Weekly RSI at 80 -- overbought on the larger timeframe too — Technical
COF Committee View
80% agreement
5 analysts
The primary driver is revenue growing 38.2% yoy -- genuine top-line momentum. Most analysts agree, and no major concerns are blocking a stronger rating.
Bull Case
- P/E of 12.8 is inexpensive for the broad market — Value
- Price-to-book of 1.4x is a discount to asset value — Value
- Revenue growing 38.2% YoY -- genuine top-line momentum — Growth
Bear Case
- Risk/reward is unfavorable: 7.0% downside vs 4.2% upside.