Banco Bilbao Vizcaya Argentaria SA (BBVA) - Net Assets

Latest as of September 2025: €61.81 Billion EUR

Based on the latest financial reports, Banco Bilbao Vizcaya Argentaria SA (BBVA) has net assets worth €61.81 Billion EUR as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€813.06 Billion) and total liabilities (€751.25 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.

Key Net Assets Metrics

Metric Value
Current Net Assets €61.81 Billion
% of Total Assets 7.6%
Annual Growth Rate 9.7%
5-Year Change 19.98%
10-Year Change 8.56%
Growth Volatility 23.36

Banco Bilbao Vizcaya Argentaria SA - Net Assets Trend (1991–2024)

This chart illustrates how Banco Bilbao Vizcaya Argentaria SA's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.

Annual Net Assets for Banco Bilbao Vizcaya Argentaria SA (1991–2024)

The table below shows the annual net assets of Banco Bilbao Vizcaya Argentaria SA from 1991 to 2024.

Year Net Assets Change
2024-12-31 €60.01 Billion +8.59%
2023-12-31 €55.27 Billion +9.40%
2022-12-31 €50.52 Billion +3.61%
2021-12-31 €48.76 Billion -2.52%
2020-12-31 €50.02 Billion -8.93%
2019-12-31 €54.93 Billion +3.89%
2018-12-31 €52.87 Billion -0.85%
2017-12-31 €53.32 Billion -3.80%
2016-12-31 €55.43 Billion +0.26%
2015-12-31 €55.28 Billion +7.12%
2014-12-31 €51.61 Billion +15.81%
2013-12-31 €44.56 Billion +2.07%
2012-12-31 €43.66 Billion +8.99%
2011-12-31 €40.06 Billion +6.89%
2010-12-31 €37.48 Billion +21.82%
2009-12-31 €30.76 Billion +15.20%
2008-12-31 €26.70 Billion -4.43%
2007-12-31 €27.94 Billion +25.20%
2006-12-31 €22.32 Billion +28.99%
2005-12-31 €17.30 Billion +25.33%
2004-12-31 €13.81 Billion -32.57%
2003-12-31 €20.47 Billion -3.35%
2002-12-31 €21.19 Billion -13.81%
2001-12-31 €24.58 Billion +2.83%
2000-12-31 €23.90 Billion +34.46%
1999-12-31 €17.78 Billion +103.66%
1998-12-31 €8.73 Billion +12.68%
1997-12-31 €7.75 Billion +24.32%
1996-12-31 €6.23 Billion +22.79%
1995-12-31 €5.07 Billion +6.76%
1994-12-31 €4.75 Billion +0.49%
1993-12-31 €4.73 Billion +0.10%
1992-12-31 €4.72 Billion +66.89%
1991-12-31 €2.83 Billion --

Equity Component Analysis

This analysis shows how different components contribute to Banco Bilbao Vizcaya Argentaria SA's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

  • Retained earnings have grown by 2785.2% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2024)

Component Amount Percentage
Retained Earnings €50.75 Billion 91.18%
Common Stock €2.82 Billion 5.07%
Other Comprehensive Income €-17.07 Billion -30.68%
Other Components €19.16 Billion 34.42%
Total Equity €55.65 Billion 100.00%

Banco Bilbao Vizcaya Argentaria SA Competitors by Market Cap

The table below lists competitors of Banco Bilbao Vizcaya Argentaria SA ranked by their market capitalization.

Company Market Cap
EssilorLuxottica S. A.
PA:EL
 		$116.77 Billion
The Progressive Corporation
SA:P1GR34
 		$117.26 Billion
Progressive Corp
NYSE:PGR
 		$118.73 Billion
Newmont Corporation
AU:NEM
 		$119.46 Billion
Capital One Financial Corporation
NYSE:COF
 		$114.98 Billion
Enbridge Inc
NYSE:ENB
 		$114.92 Billion
China Life Insurance Co Ltd A
SHG:601628
 		$114.33 Billion
GSK plc
SA:G1SK34
 		$114.11 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Banco Bilbao Vizcaya Argentaria SA's equity between the two most recent reporting periods.

Equity Growth Insights

  • From 2023 to 2024, total equity changed from 51,701,000,000 to 55,654,000,000, a change of 3,953,000,000 (7.6%).
  • Net income of 10,054,000,000 contributed positively to equity growth.
  • Dividend payments of 3,913,000,000 reduced retained earnings.
  • Share repurchases of 1,529,000,000 reduced equity.
  • New share issuances of 691,000,000 increased equity.
  • Other comprehensive income decreased equity by 821,000,000.

Equity Change Factors (2023 to 2024)

Factor Impact Contribution
Net Income €10.05 Billion +18.07%
Dividends Paid €3.91 Billion -7.03%
Share Repurchases €1.53 Billion -2.75%
Share Issuances €691.00 Million +1.24%
Other Comprehensive Income €-821.00 Million -1.48%
Other Changes €-529.00 Million -0.95%
Total Change €- 7.65%

Book Value vs Market Value Analysis

This analysis compares Banco Bilbao Vizcaya Argentaria SA's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

  • Current price-to-book ratio: 2.11x
  • The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
  • The price-to-book ratio has decreased from 15.19x to 2.11x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date Book Value per Share Market Price P/B Ratio
1991-12-31 €1.34 €20.31 x
1992-12-31 €1.97 €20.31 x
1993-12-31 €1.83 €20.31 x
1994-12-31 €1.85 €20.31 x
1995-12-31 €2.03 €20.31 x
1996-12-31 €2.20 €20.31 x
1997-12-31 €2.40 €20.31 x
1998-12-31 €2.70 €20.31 x
1999-12-31 €4.18 €20.31 x
2000-12-31 €5.42 €20.31 x
2001-12-31 €5.60 €20.31 x
2002-12-31 €4.77 €20.31 x
2003-12-31 €4.64 €20.31 x
2004-12-31 €3.82 €20.31 x
2005-12-31 €4.74 €20.31 x
2006-12-31 €6.23 €20.31 x
2007-12-31 €7.41 €20.31 x
2008-12-31 €6.55 €20.31 x
2009-12-31 €7.39 €20.31 x
2010-12-31 €8.42 €20.31 x
2011-12-31 €8.00 €20.31 x
2012-12-31 €7.88 €20.31 x
2013-12-31 €7.39 €20.31 x
2014-12-31 €8.25 €20.31 x
2015-12-31 €7.26 €20.31 x
2016-12-31 €7.19 €20.31 x
2017-12-31 €6.32 €20.31 x
2018-12-31 €7.10 €20.31 x
2019-12-31 €7.33 €20.31 x
2020-12-31 €6.69 €20.31 x
2021-12-31 €6.86 €20.31 x
2022-12-31 €7.58 €20.31 x
2023-12-31 €8.86 €20.31 x
2024-12-31 €9.65 €20.31 x

Capital Efficiency Dashboard

This dashboard shows how efficiently Banco Bilbao Vizcaya Argentaria SA utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

  • Current Return on Equity (ROE): 18.07%
  • The company demonstrates strong efficiency in generating profits from shareholder equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: 13.29%
  • • Asset Turnover: 0.10x
  • • Equity Multiplier: 13.88x
  • Recent ROE (18.07%) is above the historical average (13.16%), indicating improving capital efficiency.

Historical Capital Efficiency Metrics

Year Return on Equity Net Profit Margin Asset Turnover Equity Multiplier Economic Value Added
1991 21.02% 19.45% 0.06x 18.19x €311.90 Million
1992 12.59% 15.90% 0.05x 17.26x €108.17 Million
1993 11.50% 13.95% 0.04x 18.66x €58.31 Million
1994 11.45% 15.75% 0.04x 20.54x €56.84 Million
1995 12.88% 15.89% 0.04x 21.49x €120.43 Million
1996 14.03% 15.67% 0.04x 23.08x €182.60 Million
1997 21.69% 17.83% 0.05x 25.46x €578.74 Million
1998 17.43% 13.79% 0.05x 23.75x €419.12 Million
1999 14.06% 16.99% 0.04x 19.18x €504.55 Million
2000 12.71% 16.98% 0.04x 17.10x €475.83 Million
2001 13.03% 15.19% 0.05x 17.04x €549.96 Million
2002 11.10% 12.44% 0.05x 18.04x €170.10 Million
2003 14.76% 17.50% 0.04x 19.04x €717.41 Million
2004 22.36% 21.95% 0.04x 25.21x €1.62 Billion
2005 23.31% 24.62% 0.04x 24.03x €2.17 Billion
2006 21.98% 29.40% 0.04x 19.10x €2.58 Billion
2007 22.64% 31.84% 0.04x 18.54x €3.42 Billion
2008 19.57% 24.46% 0.04x 21.15x €2.45 Billion
2009 14.37% 18.66% 0.04x 18.26x €1.28 Billion
2010 12.82% 20.91% 0.04x 15.39x €1.01 Billion
2011 7.87% 14.19% 0.04x 15.27x €-812.50 Million
2012 4.06% 7.59% 0.04x 15.04x €-2.45 Billion
2013 4.94% 8.97% 0.04x 13.81x €-2.14 Billion
2014 5.33% 11.38% 0.04x 12.87x €-2.29 Billion
2015 5.59% 10.21% 0.03x 15.86x €-2.09 Billion
2016 7.34% 13.29% 0.04x 15.45x €-1.26 Billion
2017 7.58% 13.66% 0.04x 14.89x €-1.12 Billion
2018 11.46% 22.91% 0.03x 14.34x €689.30 Million
2019 7.21% 15.09% 0.03x 14.27x €-1.36 Billion
2020 2.93% 5.86% 0.03x 16.53x €-3.15 Billion
2021 10.60% 14.85% 0.05x 15.10x €262.30 Million
2022 13.69% 25.95% 0.03x 15.18x €1.73 Billion
2023 15.51% 13.78% 0.08x 15.00x €2.85 Billion
2024 18.07% 13.29% 0.10x 13.88x €4.49 Billion

Industry Comparison

This section compares Banco Bilbao Vizcaya Argentaria SA's net assets metrics with peer companies in the Banks - Diversified industry.

Industry Context

  • Industry: Banks - Diversified
  • Average net assets among peers: $38,206,356,500
  • Average return on equity (ROE) among peers: 10.39%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
Banco Bilbao Vizcaya Argentaria SA (BBVA) €61.81 Billion 21.02% 12.15x $115.90 Billion
Banco de Sabadell S.A (SAB) $2.54 Billion 8.67% 9.71x $15.62 Billion
Banco Santander S.A. (SAN) $73.87 Billion 12.11% 14.03x $151.90 Billion

About Banco Bilbao Vizcaya Argentaria SA

MC:BBVA Spain Banks - Diversified
Market Cap
$134.57 Billion
€115.11 Billion EUR
Market Cap Rank
#178 Global
#4 in Spain
Share Price
€20.31
Change (1 day)
+3.78%
52-Week Range
€11.92 - €22.03
All Time High
€22.03
Categories
Companies in Spain Banks - Diversified Banking & Financial
About

Banco Bilbao Vizcaya Argentaria, S.A. provides retail banking, wholesale banking, and asset management services primarily in Spain, Mexico, Turkey, South America, rest of Europe, the United States, and Asia. The company offers savings accounts, demand deposits, and time deposits; and residential mortgage, other household, credit card, and enterprises and public sector loans, as well as consumer f… Read more