BBVA · NYSE · STOCK
Banco Bilbao Vizcaya Argentaria (BBVA) Stock Analysis
$29.50
52W $17.90 – $29.64
66/100
$163.05B
13.2
0.89
Is BBVA Bullish or Bearish?
Bullish.
Innellis AI committee rates Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) Buy with a composite score of 66/100
, based on 6 analysts with 83% agreement.
Last updated September 06, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +9.17 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -10.83 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is revenue growing 72.4% yoy -- genuine top-line momentum. The main limiting factor is high leverage (debt-to-equity 2.04) amplifies downside in a stress scenario. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- P/E of 12.7 is inexpensive for the broad market — Value
- ROE of 19.3% shows genuine earnings power backing the valuation — Value
- Dividend yield of 5.6% pays you to wait — Value
- Revenue growing 72.4% YoY -- genuine top-line momentum — Growth
- 4 consecutive earnings beats -- consistent execution — Growth
- Price structure making higher highs and higher lows — Technical
Bear Case
- Debt-to-equity of 2.04 adds balance-sheet risk to the value case — Value
- MACD histogram negative -- bearish momentum — Technical
- Weekly RSI at 84 -- overbought on the larger timeframe too — Technical
- High leverage (debt-to-equity 2.04) amplifies downside in a stress scenario — Risk
- No news coverage in the last 14 days -- limited independent confirmation either way — News
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 06, 2026
Overall Committee Score
66/100
Agreement
83%
Analysts
6
Conviction
High
Sector Rank
Top 44%
of 211 Financial Services peers
Value Analyst
bullish
61
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 12.7 is inexpensive for the broad market
− Debt-to-equity of 2.04 adds balance-sheet risk to the value case
Growth Analyst
bullish
82
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 72.4% YoY -- genuine top-line momentum
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
neutral
50
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
− High leverage (debt-to-equity 2.04) amplifies downside in a stress scenario
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
60
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
− No news coverage in the last 14 days -- limited independent confirmation either way
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2704.43)
Investment Thesis Evolution
Committee score moved marginally from 65.8 to 65.8.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
Analyst-level changes:
- Value Analyst: +1 bullish signal(s).
Comparing 2026-09-05 to 2026-09-06 (1 day apart).
Technical Analysis
RSI (14)
66.5
Neutral
MACD Histogram
-0.057
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.98
Inside Bands
Price vs Moving Averages
EMA 9
$29.13
Above
EMA 21
$28.67
Above
EMA 50
$27.36
Above
EMA 200
$23.80
Above
Fundamental Analysis
Valuation
88
Growth
83
Profitability
76
Financial Health
17
Cash Flow
70
Valuation
P/E Ratio
13.2×
P/B Ratio
2.37×
PEG Ratio
1.46
Dividend Yield
3.62%
52W High
$29.64
52W Low
$17.90
Quality & Growth
ROE
1832.6%
ROA
122.3%
Gross Margin
8329.3%
Operating Margin
4265.8%
Revenue Growth YoY
—
Debt / Equity
1.80
AI Fundamental Assessment
P/E ratio of 13.2 (inexpensive relative to a 15-40x range); Price-to-book of 2.4x; PEG ratio of 1.5 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 18.3%; Return on assets of 1.2%; Net margin of 27.3%; Gross margin of 83.3%; Current ratio of 0.47 (tight short-term liquidity); Debt-to-equity of 1.80; Free cash flow per share is positive (24.20); Most recent quarter beat estimates by 3.4%; 4 consecutive earnings beats; EPS growth roughly steady (+4.1% -> +5.9% QoQ); Analyst estimates rising over recent quarters
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