Banco Bilbao Viscaya Argentaria (NYSE:BBVA) Releases Earnings Results, Meets Estimates

Banco Bilbao Viscaya Argentaria (NYSE:BBVA) announced its earnings results on Thursday. The bank reported $0.50 earnings per share (EPS) for the quarter, hitting the consensus estimate of $0.50, FiscalAI reports. Banco Bilbao Viscaya Argentaria had a return on equity of 17.07% and a net margin of 28.58%.The business had revenue of $43.38 billion during the quarter, compared to analyst estimates of $10.74 billion.

Here are the key takeaways from Banco Bilbao Viscaya Argentaria’s conference call:

• BBVA reported a record net attributable profit of EUR 10.5 billion (up 4.5% y/y), supported by exceptional loan growth of 16.2% and a return on tangible equity of 19.3%, achieved despite falling interest rates.
• Management increased shareholder returns with a regular cash distribution of EUR 5.2 billion (€0.92/share) and is executing an extraordinary EUR 4 billion buyback (first €1.5bn tranche underway).
• Strategic execution accelerated—BBVA added a record 11.5 million gross new customers, prioritized growth in enterprises, sustainability and capital‑light fee businesses, and began broad AI adoption (employees granted OpenAI/Gemini access) to boost cross‑sell and efficiency.
• Rapid, profitable loan growth drove higher RWAs and year‑end operational risk (4Q op‑risk impact), reducing headroom—CET1 was 13.75% pre‑distributions and dropped to 12.70% after the €4bn buyback.
• Customer spreads compressed (around a 41 bp decline) and management guided conservatively for NII in 2026; regionally, a late Turkey tax change and elevated provisioning (e.g., Argentina retail) weighed on near‑term earnings.

Banco Bilbao Viscaya Argentaria Price Performance

BBVA stock traded up $0.73 during mid-day trading on Friday, reaching $23.93. 4,893,060 shares of the company’s stock were exchanged, compared to its average volume of 2,084,368. Banco Bilbao Viscaya Argentaria has a 12-month low of $11.59 and a 12-month high of $26.20. The company has a market cap of $137.90 billion, a price-to-earnings ratio of 12.52, a price-to-earnings-growth ratio of 0.89 and a beta of 0.80. The stock’s 50 day moving average is $23.62 and its 200 day moving average is $20.55.

Institutional Inflows and Outflows

Several institutional investors and hedge funds have recently modified their holdings of BBVA. Advisory Services Network LLC purchased a new position in Banco Bilbao Viscaya Argentaria during the third quarter worth about $51,000. Pin Oak Investment Advisors Inc. raised its position in shares of Banco Bilbao Viscaya Argentaria by 272.8% during the 3rd quarter. Pin Oak Investment Advisors Inc. now owns 4,407 shares of the bank’s stock worth $85,000 after acquiring an additional 3,225 shares in the last quarter. Brown Brothers Harriman & Co. lifted its position in shares of Banco Bilbao Viscaya Argentaria by 170.8% during the 3rd quarter. Brown Brothers Harriman & Co. now owns 4,737 shares of the bank’s stock worth $91,000 after buying an additional 2,988 shares during the last quarter. Geneos Wealth Management Inc. increased its position in shares of Banco Bilbao Viscaya Argentaria by 21.3% during the second quarter. Geneos Wealth Management Inc. now owns 8,060 shares of the bank’s stock worth $124,000 after purchasing an additional 1,416 shares in the last quarter. Finally, Snowden Capital Advisors LLC purchased a new stake in Banco Bilbao Viscaya Argentaria in the second quarter valued at approximately $163,000. Institutional investors and hedge funds own 2.96% of the company’s stock.

Analyst Ratings Changes

A number of analysts have issued reports on BBVA shares. Wall Street Zen downgraded Banco Bilbao Viscaya Argentaria from a “buy” rating to a “hold” rating in a research report on Saturday, January 17th. Weiss Ratings reiterated a “buy (b+)” rating on shares of Banco Bilbao Viscaya Argentaria in a research note on Monday, December 29th. Royal Bank Of Canada cut shares of Banco Bilbao Viscaya Argentaria from an “outperform” rating to a “sector perform” rating in a report on Wednesday, January 28th. Zacks Research raised Banco Bilbao Viscaya Argentaria from a “hold” rating to a “strong-buy” rating in a report on Wednesday, January 21st. Finally, Morgan Stanley started coverage on Banco Bilbao Viscaya Argentaria in a research note on Tuesday, October 21st. They issued an “equal weight” rating on the stock. One research analyst has rated the stock with a Strong Buy rating, two have assigned a Buy rating and three have issued a Hold rating to the company’s stock. According to MarketBeat.com, Banco Bilbao Viscaya Argentaria presently has an average rating of “Moderate Buy”.

Banco Bilbao Viscaya Argentaria Company Profile

Banco Bilbao Vizcaya Argentaria (NYSE:BBVA) is a Spanish multinational financial services group headquartered in Bilbao, Spain. The bank traces its roots to several historic regional banks and was formed through a series of mergers that consolidated its position as one of Spain’s largest banking groups. BBVA operates as a universal bank offering a broad range of financial services to retail, corporate and institutional clients.

BBVA’s core businesses include retail and commercial banking, corporate and investment banking, private banking and wealth management, asset management, and insurance.