Banco Bilbao Vizcaya Argentaria, S.A.
NYSE:BBVA · New York Stock Exchange
+$0.05 today
Vol 2.25M · Avg 1.83M
Income Statement
Follow revenue through to earnings
Review sales, margins, expenses, and profit trends to see what is actually driving reported earnings over time.
Stock Ticker Earnings Waterfall
NYSE:BBVA · Revenue to Net Income
Key Ratios
Analysis
$47.1B of revenue converted into $10.8B of net income for the selected period. Gross margin is 73.8% and net margin is 24.9%, showing how much revenue survives after costs and taxes. EPS is $1.83, tying the income statement back to per-share earnings.
Income Statement
Annual data · 5 periods
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $36.9B +4.1% | $35.5B -39.0% | $58.2B +44.1% | $40.4B +28.9% | $31.3B | $809.6M | $921.6M | $731.2M |
| Cost of Revenue | $6.1B -85.6% | $42.1B +44.2% | $29.2B +86.2% | $15.7B +38.3% | $11.4B | $725.6M | $804.0M | $882.4M |
| Gross Profit | $30.9B +563.5% | -$6.7B -123.0% | $29.0B +17.4% | $24.7B +23.6% | $20.0B | $8.9B | $7.6B | $6.2B |
| Gross Margin | 83.6% +102.3pp | -18.8% -68.5pp | 49.8% -11.3pp | 61.1% -2.6pp | 63.8% | 9.8% | 28.9% | 38.3% |
| Research & Development | $0 | $0 | $0 | $0 | $0 | $983.2M | $1.3B | $490.4M |
| Selling, General & Admin | $12.8B +1.2% | $12.7B +15.3% | $11.0B +15.9% | $9.5B +12.0% | $8.5B | $620.6M | $923.0M | -$1.5B |
| Operating Expenses | $14.6B +166.3% | -$22.1B -233.3% | $16.5B +14.9% | $14.4B +13.2% | $12.7B | $5.3B | $7.0B | $8.7B |
| Depreciation & Amortization | $1.5B -0.8% | $1.5B +9.3% | $1.4B +5.6% | $1.3B +7.6% | $1.2B | $374.2M | $1.2B | $631.8M |
| EBITDA | $17.7B +4.8% | $16.9B +22.5% | $13.8B +19.2% | $11.6B +36.7% | $8.5B | -$15.2B | $6.8B | $9.3B |
| EBITDA Margin | 48.1% +0.3pp | 47.7% +24.0pp | 23.8% -5.0pp | 28.7% +1.6pp | 27.1% | 5.6% | 46.3% | 42.0% |
| Operating Income | $16.2B +5.3% | $15.4B +24.0% | $12.4B +20.9% | $10.3B +41.7% | $7.2B | $12.3B | $14.0B | -$15.7B |
| Operating Margin | 43.9% +0.5pp | 43.4% +22.1pp | 21.3% -4.1pp | 25.4% +2.3pp | 23.1% | 16.6% | 24.1% | 22.0% |
| Interest Income | $26.3B +4.0% | $25.3B -47.2% | $47.9B +52.2% | $31.4B +36.6% | $23.0B | -$1.5B | -$1.6B | $405.0M |
| Interest Expense | $0 -100.0% | $36.4B +47.0% | $24.8B +101.2% | $12.3B +47.8% | $8.3B | $1.1B | $1.0B | $1.2B |
| Other Income / Expenses | $0 | $0 | $0 | $0 | $0 | -$1.5B | $1.4B | $1.2B |
| Income Before Tax | $16.2B +5.3% | $15.4B +24.0% | $12.4B +20.9% | $10.3B +41.7% | $7.2B | $3.3B | $4.9B | $3.6B |
| Pre-Tax Margin | 43.9% +0.5pp | 43.4% +22.1pp | 21.3% -4.1pp | 25.4% +2.3pp | 23.1% | 20.8% | 18.7% | 26.2% |
| Income Tax Expense | $5.1B +5.6% | $4.8B +20.7% | $4.0B +14.2% | $3.5B +83.6% | $1.9B | $1.3B | -$1.6B | $745.2M |
| Net Income | $10.5B +4.5% | $10.1B +25.4% | $8.0B +26.1% | $6.4B +36.6% | $4.7B | $4.9B | $4.8B | $4.7B |
| Net Margin | 28.5% +0.1pp | 28.3% +14.6pp | 13.8% -2.0pp | 15.7% +0.9pp | 14.9% | 12.4% | 17.5% | 22.5% |
| EPS (Basic) | $2 +0.6% | $2 +30.2% | $1 +31.6% | $1 +46.3% | $1 | $400.8M | $703.2M | $1.3B |
| EPS (Diluted) | $2 +0.6% | $2 +30.2% | $1 +31.6% | $1 +46.3% | $1 | $766.2M | $609.4M | $452.6M |
| Weighted Avg Shares | $6.0B +3.5% | $5.8B -7.3% | $6.2B -4.4% | $6.5B +1.7% | $6.4B | $757.8M | $925.8M | $1.1B |
| Weighted Avg Shares (Diluted) | $6.0B +3.5% | $5.8B -3.1% | $6.0B -3.8% | $6.2B -3.3% | $6.4B | $1.2B | $924.4M | $678.0M |
Older periods hidden.
Sign in to unlockCompetitors
Peer companies in the same sector
HSBC Holdings plc
NYSE:HSBC
$327.64B
Royal Bank of Canada
NYSE:RY
$281.95B
Citigroup Inc.
NYSE:C
$245.38B
Mitsubishi UFJ Financial Group, Inc.
NYSE:MUFG
$237.66B
Banco Santander, S.A.
NYSE:SAN
$198.67B
Banco Santander, S.A.
BCDRF
$196.69B
UBS Group AG
NYSE:UBS
$166.55B
Sumitomo Mitsui Financial Group, Inc.
NYSE:SMFG
$97.61B
ING Groep N.V.
NYSE:ING
$90.52B
Barclays PLC
NYSE:BCS
$89.47B
NatWest Group plc
NYSE:NWG
$33.52B
SEC Filings
Recent regulatory filings
No filings found.
How much revenue does BBVA generate?
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) reported $36.93B of revenue in fiscal 2025.
Is BBVA profitable?
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) reported $10.51B of net income, with a net margin of 28.5%.
Explore More
Continue the stock analysis
Jump to another research area for this company.