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Financial data sourced from official regulatory filings and verified market data providers. Metrics calculated using GAAP/IFRS standards.

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Last updated: April 2026

BBVA FINANCIAL STATEMENTS

Banco Bilbao Vizcaya Argentaria SA — balance sheet, income statement and cash flow trends

BBVABanco Bilbao Vizcaya Argentaria SA

🇪🇸 Spain · MC · Financial Services · Banks - Diversified

Value itDuel
PriceFinancialsPeers

Income Statement

Quarterly progression — trailing-twelve-month values
RevenueNet Income
020 B40 B202120222023202420252026

Profit Funnel

Q1 2026 · TTM
Revenue38.9 B €Gross Profit32.4 B € · 83%Operating Income16.6 B € · 43%Pre-tax Income16.6 B € · 43%Net Income10.8 B € · 28%

Percentages are relative to revenue.

Key Figures

YoY change
Revenue38.9 B €-16.7%
Gross Profit32.4 B €+2.0%
Operating Income16.6 B €+1.9%
EBITDA18.2 B €+1.8%
Net Income10.8 B €+2.4%

Peer Comparison· Banks - Diversified

CompanyRev. GrowthGross MarginEBITDA MarginNet Margin
BBVA———27.7%
BMO———12.6%
CBA————
TD———13.2%
BNS———15.6%
CM———18.4%
Industry median———17.3%
CompanyRev. GrowthGross MarginEBITDA MarginNet Margin
BBVA———27.7%
SAN———18.3%
SAB———20.5%
Industry median———17.3%

Balance Sheet

Quarterly period-end values
Total AssetsTotal LiabilitiesEquity
0250 B500 B750 B202120222023202420252026

Capital Structure

Q1 2026
Total Assets894.3 B
  • Equity56.3 B €6%
  • Current Liabilities656.3 B €74%
  • Long-term Liabilities177.2 B €20%

Key Figures

YoY change
Total Assets894.3 B €+15.7%
Total Liabilities833.5 B €+16.8%
Total Equity56.3 B €+2.2%
Cash & ST Investments286.4 B €+101.2%
Total Debt87.6 B €-15.1%
Net Debt7.4 B €-63.8%

Peer Comparison· Banks - Diversified

CompanyCurrent RatioDebt/EquityNetDebt/EBITDAEquity/Assets
BBVA0.44155.6%-10.956.3%
BMO0.48194.7%-15.345.7%
CBA0.09268.6%—5.5%
TD0.28556.9%11.966.0%
BNS0.04328.6%20.205.7%
CM0.10276.3%12.335.7%
Industry median0.44294.1%8.475.7%
CompanyCurrent RatioDebt/EquityNetDebt/EBITDAEquity/Assets
BBVA0.44155.6%-10.956.3%
SAN0.12409.1%13.355.7%
SAB1.16336.1%13.465.6%
Industry median0.44294.1%8.475.7%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values
Operating Cash FlowCapital ExpendituresFree Cash Flow
050 B100 B202120222023202420252026

Cash Flow Bridge

Q1 2026 · TTM
050 B100 B115.1 B €Operating-101.4 B €Investing-4.2 B €Financing9.5 B €Net Change

Key Figures

YoY change
Operating Cash Flow115.1 B €+1,821.8%
Capital Expenditures941 M €-34.0%
Free Cash Flow114.1 B €+2,401.9%
Dividends Paid-4.2 B €-207.2%

Peer Comparison· Banks - Diversified

CompanyCF MarginFCF MarginCapEx RatioCF/Net Income
BBVA295.6%293.1%2.4%1,065.3%
BMO53.3%51.0%2.3%422.0%
CBA————
TD13.6%11.5%2.1%102.9%
BNS23.3%22.3%0.9%148.8%
CM29.4%27.0%2.3%159.2%
Industry median31.2%30.4%1.7%168.8%
CompanyCF MarginFCF MarginCapEx RatioCF/Net Income
BBVA295.6%293.1%2.4%1,065.3%
SAN114.9%110.5%4.4%629.2%
SAB21.1%17.4%3.8%102.9%
Industry median31.2%30.4%1.7%168.8%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.