Also trades as: BBVA.MC (BME) · $vol 188M · BVA.L (LSE) · $vol 76M · BBVXF (OTC) · $vol 0M · BOY.DE (XETRA) · $vol 0M · BBVA.DE (XETRA) · $vol 0M · BBV.BR (BRU) · $vol 0M

$25.24

-0.10 (-0.39%)

Weekly Expected Move ±3.4%

$23 $24 $25 $26 $27

NYSE · Financial Services · Banks - Diversified · Tech Score Sell · Power 37 · $138.8B mcap · 5.43B float · 0.027% daily turnover · Short 49% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $790.9M held by 377 funds, 120 bp over Treasuries → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

Overview Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest

Income Trends

Revenue

$36.9B +4.1% ▲

5Y CAGR: +4.2%

Gross Profit

$30.9B +563.5% ▲

5Y CAGR: +12.8%

Operating Income

$16.2B +5.3% ▲

5Y CAGR: +25.3%

Net Income

$10.5B +4.5% ▲

5Y CAGR: +51.8%

EPS (Diluted)

$1.69 +0.6% ▲

5Y CAGR: +64.6%

EBITDA

$17.7B +4.8% ▲

5Y CAGR: +22.1%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$18.6B	$23.0B	$27.2B	$31.6B	$36.9B
YoY Growth	-38.1%	+23.5%	+18.2%	+16.2%	+4.1%
Cost of Revenue	$11.4B	$0	$0	$0	$6.1B
Gross Profit	$20.0B	$23.0B	$27.2B	$31.6B	$30.9B
Gross Margin	107.4%	100.0%	100.0%	100.0%	83.6%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$8.5B	$9.5B	$11.0B	$12.2B	$12.8B
Operating Expenses	$12.7B	$10.3B	$11.9B	$13.7B	$14.6B
Operating Income	$9.4B	$12.6B	$15.3B	$17.9B	$16.2B
Operating Margin	50.6%	55.0%	56.3%	56.6%	43.9%
Interest Expense	$8.3B	$12.3B	$24.8B	$36.4B	$0
Income Before Tax	$7.2B	$10.3B	$12.4B	$15.4B	$16.2B
Tax Expense	$1.9B	$3.5B	$4.0B	$4.8B	$5.1B
Net Income	$4.7B	$6.4B	$8.0B	$10.1B	$10.5B
Net Margin	25.0%	27.7%	29.5%	31.8%	28.5%
EPS (Diluted)	$0.67	$0.98	$1.29	$1.68	$1.69
EBITDA	$8.5B	$11.6B	$13.8B	$16.9B	$17.7B
Shares Outstanding	6.40B	6.19B	5.95B	5.77B	5.97B

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$7.5B	$8.2B	$18.3B	$8.7B	$17.9B	$9.8B	$10.7B	$10.5B
Cost of Revenue	$1.4B	$1.5B	$9.7B	$1.4B	$9.7B	$1.7B	$1.8B	$1.7B
Gross Profit	$7.3B	$7.9B	$8.6B	$7.3B	$8.2B	$8.1B	$8.8B	$8.8B
Gross Margin	97.0%	95.7%	47.1%	84.2%	45.9%	82.2%	82.9%	84.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$3.0B	$3.6B	$3.1B	$2.9B	$3.2B	$3.6B	$3.6B	$3.5B
Operating Expenses	$3.4B	$4.1B	$4.3B	$3.3B	$4.3B	$4.1B	$4.1B	$4.0B
Operating Income	$4.3B	$4.3B	$4.3B	$4.1B	$3.9B	$3.9B	$4.7B	$4.9B
Operating Margin	56.9%	52.7%	23.8%	46.8%	21.6%	40.2%	44.3%	46.2%
Interest Expense	$0	$0	$8.3B	$0	$8.1B	$0	$0	$0
Income Before Tax	$3.9B	$3.8B	$4.3B	$4.1B	$3.9B	$3.9B	$4.7B	$4.9B
Tax Expense	$1.1B	$1.2B	$1.5B	$1.2B	$1.2B	$1.3B	$1.5B	$1.6B
Net Income	$2.6B	$2.4B	$2.7B	$2.7B	$2.5B	$2.5B	$3.0B	$3.1B
Net Margin	35.0%	29.7%	14.8%	31.6%	14.1%	25.9%	28.1%	29.1%
EPS (Diluted)	$0.44	$0.40	$0.45	$0.48	$0.42	$0.42	$0.51	$0.53
EBITDA	$4.2B	$4.2B	$4.7B	$4.4B	$4.2B	$4.3B	$5.1B	$4.9B
Shares Outstanding	5.97B	6.08B	5.77B	5.77B	6.03B	5.97B	5.66B	5.78B

BBVA NYSE

Income Trends

Profit Margins

Year-over-Year Growth

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