Banco Bilbao Vizcaya Argentaria SA (BBVA) - Cash Flow Conversion Efficiency

Latest as of September 2025: 0.278x

Based on the latest financial reports, Banco Bilbao Vizcaya Argentaria SA (BBVA) has a cash flow conversion efficiency ratio of 0.278x as of September 2025. Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow (€17.17 Billion ≈ $20.07 Billion USD) by net assets (€61.81 Billion ≈ $72.26 Billion USD). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations. See BBVA days of operational coverage to measure how many days the company can operate on defensive assets alone.

Banco Bilbao Vizcaya Argentaria SA - Cash Flow Conversion Efficiency Trend (1991–2024)

This chart illustrates how Banco Bilbao Vizcaya Argentaria SA's cash flow conversion efficiency has evolved over time, based on yearly financial data.

Banco Bilbao Vizcaya Argentaria SA Competitors by Cash Flow Conversion Efficiency

The table below lists competitors of Banco Bilbao Vizcaya Argentaria SA ranked by their cash flow conversion efficiency.

Company	Cash Flow Conversion Efficiency
China Merchants Bank Co Ltd SHG:600036	0.030x
Lowe's Companies Inc NYSE:LOW	-0.158x
Safran SA PA:SAF	0.200x
Newmont Goldcorp Corp NYSE:NEM	0.069x
Bank of Montreal TO:BMO	-0.016x
Newmont Corporation AU:NEM	0.108x
Eoptolink Technology Inc Ltd SHE:300502	0.180x
Progressive Corp NYSE:PGR	1.138x

Annual Cash Flow Conversion Efficiency for Banco Bilbao Vizcaya Argentaria SA (1991–2024)

The table below shows the annual cash flow conversion efficiency of Banco Bilbao Vizcaya Argentaria SA from 1991 to 2024. For the full company profile with market capitalisation and key ratios, see BBVA market cap overview.

Year	Net Assets	Operating Cash Flow	Cash Flow Conversion Efficiency	Change
2024-12-31	€60.01 Billion ≈ $70.16 Billion	€33.94 Billion ≈ $39.67 Billion	0.565x	+4434.28%
2023-12-31	€55.27 Billion ≈ $64.61 Billion	€-721.00 Million ≈ $-842.92 Million	-0.013x	-102.78%
2022-12-31	€50.52 Billion ≈ $59.06 Billion	€23.72 Billion ≈ $27.73 Billion	0.469x	+1943.21%
2021-12-31	€48.76 Billion ≈ $57.01 Billion	€-1.24 Billion ≈ $-1.45 Billion	-0.025x	-103.24%
2020-12-31	€50.02 Billion ≈ $58.48 Billion	€39.35 Billion ≈ $46.00 Billion	0.787x	+626.04%
2019-12-31	€54.93 Billion ≈ $64.21 Billion	€-8.21 Billion ≈ $-9.60 Billion	-0.150x	-191.26%
2018-12-31	€52.87 Billion ≈ $61.81 Billion	€8.66 Billion ≈ $10.13 Billion	0.164x	+407.43%
2017-12-31	€53.32 Billion ≈ $62.34 Billion	€1.72 Billion ≈ $2.01 Billion	0.032x	-72.97%
2016-12-31	€55.43 Billion ≈ $64.80 Billion	€6.62 Billion ≈ $7.74 Billion	0.119x	-71.41%
2015-12-31	€55.28 Billion ≈ $64.63 Billion	€23.10 Billion ≈ $27.01 Billion	0.418x	+448.52%
2014-12-31	€51.61 Billion ≈ $60.34 Billion	€-6.19 Billion ≈ $-7.23 Billion	-0.120x	-968.66%
2013-12-31	€44.56 Billion ≈ $52.10 Billion	€-500.00 Million ≈ $-584.55 Million	-0.011x	-104.62%
2012-12-31	€43.66 Billion ≈ $51.04 Billion	€10.60 Billion ≈ $12.39 Billion	0.243x	-50.93%
2011-12-31	€40.06 Billion ≈ $46.83 Billion	€19.81 Billion ≈ $23.16 Billion	0.495x	+117.96%
2010-12-31	€37.48 Billion ≈ $43.81 Billion	€8.50 Billion ≈ $9.94 Billion	0.227x	+171.92%
2009-12-31	€30.76 Billion ≈ $35.97 Billion	€2.57 Billion ≈ $3.00 Billion	0.083x	+211.87%
2008-12-31	€26.70 Billion ≈ $31.22 Billion	€-1.99 Billion ≈ $-2.33 Billion	-0.075x	-112.16%
2007-12-31	€27.94 Billion ≈ $32.67 Billion	€17.14 Billion ≈ $20.04 Billion	0.613x	+385.88%
2006-12-31	€22.32 Billion ≈ $26.09 Billion	€2.82 Billion ≈ $3.29 Billion	0.126x	-63.63%
2005-12-31	€17.30 Billion ≈ $20.23 Billion	€6.01 Billion ≈ $7.02 Billion	0.347x	+353.38%
2004-12-31	€13.81 Billion ≈ $16.14 Billion	€1.06 Billion ≈ $1.24 Billion	0.077x	-61.34%
1998-12-31	€8.73 Billion ≈ $10.20 Billion	€1.73 Billion ≈ $2.02 Billion	0.198x	-34.55%
1997-12-31	€7.75 Billion ≈ $9.06 Billion	€2.34 Billion ≈ $2.74 Billion	0.303x	+26.37%
1996-12-31	€6.23 Billion ≈ $7.28 Billion	€1.49 Billion ≈ $1.74 Billion	0.239x	-18.40%
1995-12-31	€5.07 Billion ≈ $5.93 Billion	€1.49 Billion ≈ $1.74 Billion	0.293x	+174.20%
1994-12-31	€4.75 Billion ≈ $5.56 Billion	€508.68 Million ≈ $594.70 Million	0.107x	-59.58%
1993-12-31	€4.73 Billion ≈ $5.53 Billion	€1.25 Billion ≈ $1.46 Billion	0.265x	-13.33%
1992-12-31	€4.72 Billion ≈ $5.52 Billion	€1.44 Billion ≈ $1.69 Billion	0.305x	-82.79%
1991-12-31	€2.83 Billion ≈ $3.31 Billion	€5.02 Billion ≈ $5.87 Billion	1.775x	--

About Banco Bilbao Vizcaya Argentaria SA

MC:BBVA Spain Banks - Diversified

Market Cap

$129.40 Billion

€110.69 Billion EUR

Market Cap Rank

#210 Global

#4 in Spain

Share Price

€19.53

Change (1 day)

-2.25%

52-Week Range

€12.63 - €22.03

All Time High

€22.03