Profitability
Weight: 25%
B+
80
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.9%
- Operating Margin Trend +5.96 pp/yr
BBVA
Banco Bilbao Vizcaya Argentaria, S.A.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A-
86
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 14.5%
- 5yr Share-Count CAGR -1.7%
Growth Quality
Weight: 10%
A+
100
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 26.8%
- 5yr EPS CAGR 26.0%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
C-
50
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 0.60x
Balance Sheet
Weight: 30%
B-
66
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 6.7%
- Interest Coverage (EBIT/Int) 30.00x
Stability
Weight: 10%
C
52
- EPS Volatility (σ/μ) 0.64
- Piotroski F-Score 7
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.Not enough curated-guru data to call a flow.
- Wood new