BBVA · NYSE · STOCK
Banco Bilbao Vizcaya Argentaria, S.A.
$28.50
52W $17.77 – $28.73
63/100
$157.47B
12.8
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 63/100
, based on 6 analysts with 83% agreement.
Last updated August 11, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +11.59 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 — -8.41 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 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 & Bear Case
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
- Revenue growing 72.4% YoY -- genuine top-line momentum — Growth
- Price structure making higher highs and higher lows — Technical
- MACD histogram positive -- bullish momentum — Technical
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
- High leverage (debt-to-equity 2.04) amplifies downside in a stress scenario — Risk
- Bollinger bandwidth of 19.3% signals elevated volatility — Risk
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 August 11, 2026
Overall Committee Score
63/100
Agreement
83%
Analysts
6
Conviction
Contested
Sector Rank
Top 50%
of 209 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 12.3 is inexpensive for the broad market
− Debt-to-equity of 2.04 adds balance-sheet risk to the value case
Growth Analyst
bullish
85
/ 100 · Low 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
− RSI at 73 is in overbought territory
Risk Analyst
bearish
32
/ 100 · Moderate confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 2.04) amplifies downside in a stress scenario
Macro Analyst
bullish
78
/ 100 · Moderate 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
63
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.17 across 6 articles, 14d)
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 2 existing position pair(s) are highly correlated already
Technical Analysis
RSI (14)
72.8
Overbought
MACD Histogram
0.102
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.82
Inside Bands
Price vs Moving Averages
EMA 9
$27.95
Above
EMA 21
$27.06
Above
EMA 50
$25.67
Above
EMA 200
$22.78
Above
Fundamental Analysis
Valuation
89
Profitability
76
Financial Health
17
Cash Flow
70
Valuation
P/E Ratio
12.8×
P/B Ratio
2.32×
PEG Ratio
1.42
Dividend Yield
3.25%
52W High
$28.73
52W Low
$17.77
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
[reduced confidence: limited earnings history] P/E ratio of 12.8 (inexpensive relative to a 15-40x range); Price-to-book of 2.3x; PEG ratio of 1.4 (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 (20.10); Earnings-history trend unavailable; growth based on TTM year-over-year only.
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