The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 54%. Our forward projection puts the odds of a 10% gain over the next month near 34%. The street (3 analysts) rates it hold, with a mean price target of $23. It reported earnings in this window, a natural checkpoint for the thesis.
Banco Bilbao Vizcaya Argentaria SA ADR BBVA
Outside both standards
An entry written while the outcome is still unknown. It will be scored by what the market does next, and it will never be edited to look cleverer than it was.
In plain words · Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides various financial services in Spain, Mexico, Turkey, South America, Europe, the United States, and Asia.
read at $25.95
Banco Bilbao Vizcaya Argentaria SA ADR holds its Markup at $25.95.
- PHPhase · the trend structure carries the Markup label
- INInsiders · no filings inside 60 days, left as found
- POPositioning · no disclosures inside 60 days, left as found
- OPOptions · no verdict drawn today, left as found
- SCScreen · does not pass the values gate
- edge confirmed
- edge broken
- edge forming
Each arm is one independent read. Conviction is not a single call, it is how many edges converge.
The investor read · the season, not the day
| Phase | Markup |
| Quantitative state | The statistical read favours the buyers, held for 4 days |
| Price | $25.95 |
| Valuation | 12.48 trailing · 11.01 forward price to earnings |
| Values screen | FAIL · score 30.0 |
| Beta | 0.88 |
The opportunity · what the numbers say it is worth
Price history & projections · where it has been, where the models see it going
The valuation journey · where the price sits against fair value and the Street
Green marks levels above today's price, red below; the shaded band is the gap between the price and our fair value.
Reading the gap · Our model sees value the Street hasn't fully caught up to yet.
| Revenue growth | 11.90% |
| Profit margin | 33.12% |
| Analyst consensus | Underperform · 3 covering |
Fair value and rating are our own model estimates; target range reflects third-party analyst estimates. Analysis, not advice.
The values screen, explained · five checks, plain English
This company is excluded by both standards. There are two widely recognised ways to check whether a company is suitable for a Muslim investor. It fails on both:
Used by most halal investing apps ✗ DOES NOT PASS
The one Titan applies ✗ DOES NOT PASS
Why it fails. The problem is its excluded industry: banks - diversified. Because both standards agree on this, it is a clear exclusion, not a borderline case.
What these two standards are, and how they differ →
- Business activity Excluded industry: Banks - Diversified Fail
- Debt load Interest-bearing debt is of its assets, above the one-third ceiling the screen allows. Fail
- Interest-bearing cash Interest-bearing cash and securities are of assets, above the one-third limit. Fail
- Receivables Money owed to the company is of assets, above the 49% limit. Fail
- Revenue purity of revenue comes from non-compliant sources, over the 5% line. Fail
Every security is read against two recognised standards: our stricter asset-based screen (ratios measured against total assets) and the more widely used market-value standard (measured against market capitalisation). Where they agree we say so plainly; where they part ways — almost always on the debt check — we show both readings and mark it, because that disagreement is the finding, not a fault. We report the score; you and your scholar make the call.
The business, in plain words · what the numbers mean
Ethics Wall Off This Spanish Bank
Picture a worker in Mexico wiring wages home or a Turkish shop taking card payments. BBVA sits in the middle of those flows across Spain, Mexico and Turkey. The business clears solid numbers with 12% revenue growth, 33% profit margins and 19% ROE, yet it fails our ethical screen outright because diversified banks sit on the excluded list.
That leaves a narrow moat, a forward P/E of 10.7 times and a fair value just 8% above the current $25.14 share price. Three analysts rate the stock underperform with a median target of $22, so the cheap multiple reflects limited conviction rather than hidden value.
Banks are cyclical and low multiples often mark peak earnings rather than bargains. Currency swings and emerging-market exposure add further volatility on top of the ethical block. Analysis, not advice.
| Forward P/E | 11.0x fairly priced for its growth rate |
| Trailing P/E | 12.5x reasonably valued |
| Revenue growth | 11.9% steady growth |
| Profit margin | 33.1% highly profitable on every dollar of sales |
| Return on equity | 19.0% a solid return on shareholder capital |
| Beta | 0.88 steadier than the market |
| Market cap | $143.5B |
| Employees | 123,193 |
The risks · The things to watch: its business and earnings are exposed to Spain and to currency swings.
Plain-English interpretation of our own screen data. Analysis, not advice.
Latest news · what the market is reading on BBVA
- › European Equities Traded in the US as American Depositary Receipts Track Sharply Higher in Thursday Trading MT Newswires · 2d ago
- › Banco Bilbao Vizcaya Argentaria SA (BBVA) (Q2 2026) Earnings Call Highlights: Record Profit and ... GuruFocus.com · 2d ago
- › Exchange-Traded Funds, Equity Futures Higher Pre-Bell Thursday Amid Tech Earnings MT Newswires · 2d ago
- › Banco Bilbao Viscaya Argentaria Q2 Earnings Call Highlights MarketBeat · 2d ago
- › BBVA Raises Profitability Outlook, Plans $2.3 Billion Buyback The Wall Street Journal · 2d ago
Headlines from third-party outlets, linked for reference — not our reporting, not advice.
Related securities · others in BBVA's space worth a look
Screened names in the same industry · explore each on its own page.
The trader read · the latest dated commentary
The dated journal · newest first, never edited
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 54%. Our forward projection puts the odds of a 10% gain over the next month near 34%. The street (3 analysts) rates it hold, with a mean price target of $23. It reported earnings in this window, a natural checkpoint for the thesis.
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 54%. Our forward projection puts the odds of a 10% gain over the next month near 34%. The street (3 analysts) rates it hold, with a mean price target of $23. It reported earnings in this window, a natural checkpoint for the thesis.
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 54%. Our forward projection puts the odds of a 10% gain over the next month near 34%. The street (3 analysts) rates it hold, with a mean price target of $23. It reported earnings in this window, a natural checkpoint for the thesis.
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 3.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 54%. Our forward projection puts the odds of a 10% gain over the next month near 34%. The street (3 analysts) rates it hold, with a mean price target of $23. It reported earnings in this window, a natural checkpoint for the thesis.
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 54%. Our forward projection puts the odds of a 10% gain over the next month near 34%. The street (3 analysts) rates it hold, with a mean price target of $23. It reported earnings in this window, a natural checkpoint for the thesis.
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 54%. Our forward projection puts the odds of a 10% gain over the next month near 34%. The street (3 analysts) rates it hold, with a mean price target of $23. It reported earnings in this window, a natural checkpoint for the thesis.
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 7.7% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 54%. Our forward projection puts the odds of a 10% gain over the next month near 34%. The street (3 analysts) rates it hold, with a mean price target of $23.
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it A, carrying a low risk profile. Technically it is holding around 9% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 54%. Our forward projection puts the odds of a 10% gain over the next month near 34%. The street (3 analysts) rates it hold, with a mean price target of $23.
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
What holding actually paid · price plus dividends
| Period | Price then | Price return | Divs per share | $1,000 became | Total return |
|---|---|---|---|---|---|
| 1 month | $21.94 | +0.7% | · | $1,007 | +0.7% |
| 2 months | $23.06 | -4.2% | · | $958 | -4.2% |
| 3 months | $20.19 | +9.5% | $0.71 | $1,130 | +13.0% |
| 6 months | $22.07 | +0.1% | $0.71 | $1,033 | +3.3% |
| 1 year | $14.36 | +53.9% | $1.08 | $1,614 | +61.4% |
| 2 years | $9.32 | +137.2% | $1.86 | $2,571 | +157.1% |
| 3 years | $5.92 | +273.2% | $2.45 | $4,146 | +314.6% |
| 5 years | $4.66 | +373.9% | $3.26 | $5,437 | +443.7% |
Historical returns from market close data. Past performance does not guarantee future results.