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Financial statements

BANCO BILBAO VIZCAYA ARGENTARIA, S.A. financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data BANCO BILBAO VIZCAYA ARGENTARIA, S.A. files with the SEC in its annual reports.

In EUR millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

FY2017FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Gross profit24,65325,27020,93621,52220,16621,06624,74329,54235,48136,931
General and administrative-4,6444,541-3,8168,7697,7998,2969,37310,90512,66012,811
Operating income6,8747,2226,8077,2025,1537,48410,37212,43215,34516,153
Interest expense112
Interest income262655
Pre-tax income6,3926,9317,5657,0465,2487,24710,26812,41915,40516,227
Income tax-1,699-2,174-2,0421,9431,4591,9093,5054,0034,8305,100
Income from continuing operations4,6934,7575,5235,1033,7895,3386,7638,41610,57511,126
Net income to minority interests3,4753,5145,400833756-965-405-397-521-615
Net income3,4753,5145,4003,5121,3054,6536,3588,01910,05410,511
EBITDA5,4485,8355,7738,5886,4418,71811,70013,83516,87817,674
EPS, basic0.470.460.750.470.140.670.981.291.681.76
EPS, diluted0.470.460.750.470.140.670.981.291.681.76

Balance sheet

FY2017FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash and equivalents40,03942,68058,19644,30376,88867,79979,75675,41651,14558,837
Inventory3,298229635581572
Property, plant and equipment8,2506,9967,0669,8167,6017,1078,4419,0469,5069,247
Goodwill6,9376,0626,1804,955910818707795700715
Intangible assets2,8492,4022,1342,0101,4351,3791,4491,5681,7902,140
Total assets731,856690,059675,675695,471733,797662,885712,092775,558772,402859,576
Total liabilities676,428636,736622,801640,546683,777614,125661,575720,293712,388797,778
Paid-in capital23,99223,99223,99223,99223,99223,59920,85619,76919,18418,469
Retained earnings21,84423,74626,06329,38830,50831,84132,71136,23740,69346,346
Minority interests8,0646,9795,7646,2015,4714,8533,6233,5644,3594,441
Total equity55,42853,32352,87454,92550,02048,74850,51755,26560,01461,798
Total liabilities and equity731,856690,059675,675695,471733,797662,885712,092775,558772,402859,576

Cash flow statement

FY2017FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income4,6934,7576,2274,3452,0605,6186,7638,41610,57511,126
Depreciation and amortization-1,426-1,387-1,0341,3861,2881,2341,3281,4031,5331,521
Cash from operations6,6231,72213,436-10,65439,349-1,24223,718-721-18,19014,968
Capital expenditures-852-632-396-1,812-1,129-1,195-827
Cash from investing-5602,9027,51697-37-1,634-3,911
Stock issued0000000
Dividends paid1,5991,6982,107-2,147-1,065-926-2,185-2,808-3,913-4,196
Cash from financing-1,113-98-5,092-2,703-2,069-4,349-7,563
Exchange rate effect-3,463-4,266-344-634-4,658-1,864-288-357-2,091-2,201
Net change in cash1,48926115,516-13,89232,58511,957-4,339-24,2717,692
Free cash flow-11,50638,717-1,63821,906-1,850-19,38514,141
Income taxes paid-1,699-2,423-2,7891,6021,9551,5463,2345,3535,6313,328

Key metrics

Worked out from the statements above. Latest values use fiscal 2025. No valuation: the share price is quoted in a different currency than the statements.

Profitability

MetricValueHow it is calculated
Effective tax rate31.4%Income tax / pre-tax income, when pre-tax income is positive.
Return on assets (ROA)1.3%Net income / average total assets.

Growth

MetricValueHow it is calculated
Gross profit growth, 1y4.1%Gross profit vs the same period a year earlier. Only from a positive base.
Gross profit CAGR, 3y14.3%Compound annual growth of gross profit over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Gross profit CAGR, 5y12.9%Compound annual growth of gross profit over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating income growth, 1y5.3%Operating income vs the same period a year earlier. Only from a positive base.
Operating income CAGR, 3y15.9%Compound annual growth of operating income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating income CAGR, 5y25.7%Compound annual growth of operating income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EBITDA growth, 1y4.7%EBITDA vs the same period a year earlier. Only from a positive base.
EBITDA CAGR, 3y14.7%Compound annual growth of ebitda over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EBITDA CAGR, 5y22.4%Compound annual growth of ebitda over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Net income growth, 1y4.5%Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y18.2%Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y51.8%Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y4.8%EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y21.6%Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y65.9%Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow CAGR, 3y-14.2%Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y-17.6%Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Free cash flow CAGR, 3y-13.6%Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 5y-18.2%Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y11.3%Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y6.5%Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y3.2%Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.

Balance sheet health

MetricValueHow it is calculated
Liabilities / assets92.8%Total liabilities / total assets.
Goodwill and intangibles / assets0.3%(Goodwill + intangible assets) / total assets.

Efficiency

MetricValueHow it is calculated
FCF conversion134.5%Free cash flow / net income, when net income is positive.
Capex / operating cash flow5.5%Capital expenditures / cash from operations, when that is positive.

Per share

MetricValueHow it is calculated
EPS, diluted€1.76Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
EPS, basic€1.76Net income per basic share, as reported (split-adjusted).
Payout ratio39.9%Dividends paid / net income, when net income is positive.
Dividends / FCF29.7%Dividends paid / free cash flow, when free cash flow is positive.
Was BANCO BILBAO VIZCAYA ARGENTARIA, S.A. profitable in fiscal 2025?

Yes. Net income was €10.51B, a net margin of -.

How much free cash flow did BANCO BILBAO VIZCAYA ARGENTARIA, S.A. generate in fiscal 2025?

Cash from operations of €14.97B minus capital expenditures of €827.0M left free cash flow of €14.14B.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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