Banco Bilbao Vizcaya Argentaria SA (BBVA) — Financial Flexibility Index

Latest as of September 2025: 0.02x

Banco Bilbao Vizcaya Argentaria SA (BBVA) has a Financial Flexibility Index of 0.02x as of September 2025. Free cash flow of €17.59 Billion (operating CF €17.17 Billion minus capex €419.00 Million) represents 0% of total liabilities (€751.25 Billion). Check Banco Bilbao Vizcaya Argentaria SA total reinvestment intensity to assess the company's total reinvestment commitment from operating cash flow.

Financial Flexibility Index

0.02x
Free Cash Flow / Total Liabilities

Free Cash Flow

€17.59 Billion
Operating CF − Capex

Total Liabilities

€751.25 Billion
EUR

Capital Expenditures

€419.00 Million
EUR

Banco Bilbao Vizcaya Argentaria SA Financial Flexibility Index (1991–2024)

Historical Financial Flexibility Index trend for Banco Bilbao Vizcaya Argentaria SA across 29 annual periods. For the full cash flow conversion analysis, see BBVA cash flow conversion.

Annual Financial Flexibility Index for Banco Bilbao Vizcaya Argentaria SA (1991–2024)

Year-by-year free cash flow to debt coverage for Banco Bilbao Vizcaya Argentaria SA. Explore Banco Bilbao Vizcaya Argentaria SA cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.

Year Flexibility Index Free Cash Flow (EUR) Operating CF Total Liabilities YoY Change
2024 0.05x €35.13 Billion €33.94 Billion €712.39 Billion ▲ +3135.0%
2023 0.00x €1.10 Billion €-721.00 Million €720.29 Billion ▼ -96.1%
2022 0.04x €26.16 Billion €23.72 Billion €661.57 Billion ▲ +8304.0%
2021 0.00x €-296.00 Million €-1.24 Billion €614.12 Billion ▼ -100.8%
2020 0.06x €40.47 Billion €39.35 Billion €686.24 Billion ▲ +652.8%
2019 -0.01x €-6.83 Billion €-8.21 Billion €640.54 Billion ▼ -165.4%
2018 0.02x €10.16 Billion €8.66 Billion €622.80 Billion ▲ +239.1%
2017 0.00x €3.06 Billion €1.72 Billion €636.74 Billion ▼ -62.1%
2016 0.01x €8.58 Billion €6.62 Billion €676.43 Billion ▼ -65.9%
2015 0.04x €25.84 Billion €23.10 Billion €694.57 Billion ▲ +601.9%
2014 -0.01x €-4.30 Billion €-6.19 Billion €580.33 Billion ▼ -412.1%
2013 0.00x €1.28 Billion €-500.00 Million €538.13 Billion ▼ -89.5%
2012 0.02x €13.08 Billion €10.60 Billion €577.47 Billion ▼ -43.4%
2011 0.04x €21.74 Billion €19.81 Billion €542.78 Billion ▲ +106.2%
2010 0.02x €10.01 Billion €8.50 Billion €515.26 Billion ▲ +152.6%
2009 0.01x €3.88 Billion €2.57 Billion €504.30 Billion ▲ +1114.7%
2008 0.00x €-391.00 Million €-1.99 Billion €515.95 Billion ▼ -101.8%
2007 0.04x €19.60 Billion €17.14 Billion €473.78 Billion ▲ +339.6%
2006 0.01x €3.66 Billion €2.82 Billion €389.35 Billion ▼ -57.2%
2005 0.02x €8.24 Billion €6.01 Billion €375.09 Billion ▲ +367.8%
2004 0.00x €1.48 Billion €1.06 Billion €315.64 Billion ▼ -80.8%
1998 0.02x €3.07 Billion €1.73 Billion €125.21 Billion ▼ -6.9%
1997 0.03x €3.11 Billion €2.34 Billion €118.27 Billion ▲ +37.3%
1996 0.02x €1.88 Billion €1.49 Billion €98.28 Billion ▼ -7.3%
1995 0.02x €1.75 Billion €1.49 Billion €84.71 Billion ▲ +129.1%
1994 0.01x €681.40 Million €508.68 Million €75.62 Billion ▼ -59.6%
1993 0.02x €1.51 Billion €1.25 Billion €67.59 Billion ▼ -8.8%
1992 0.02x €1.65 Billion €1.44 Billion €67.29 Billion ▼ -77.0%
1991 0.11x €5.17 Billion €5.02 Billion €48.67 Billion —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities