Banco Bilbao Vizcaya Argentaria S A's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Banco Bilbao Vizcaya Argentaria S A (BBVA) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Banco Bilbao Vizcaya Argentaria S A vs Its Competitors
- TTM: Trailing 12-month revenue of 3,258M vs 888,387M combined for its competitors (0.4% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+33.6% annualized vs trailing 12 months), vs decelerating (-23.2%) for its tracked peer group.
- Growth: Banco Bilbao Vizcaya Argentaria S A generated 92.0% revenue growth year over year in Q1 2021, vs 34.6% for its competitors combined.
- Profitability: Its 35.4% net margin compares with 34.1% for the peer group.
- Peer revenue share: Banco Bilbao Vizcaya Argentaria S A accounted for 0.6% of combined revenue among its tracked peer group, up from 0.5% a year earlier.
- Peer differentiation: Revenue per employee of $0.31M compares with $0.52M for the peer group (0.6x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
BBVA Sales vs. its Competitors, Q1 2021
Banco Bilbao Vizcaya Argentaria S A reported revenue growth of 92.01 % year on year in Q1 2021, above its competitors' combined revenue growth of 34.57 %.
With a net margin of 35.42 %, Banco Bilbao Vizcaya Argentaria S A achieved higher profitability than its competitors (34.07 %).
Banco Bilbao Vizcaya Argentaria S A generated 0.63 % of the combined sales of its peer group, up from 0.45 % a year earlier.
API endpoints for this dataset
Banco Bilbao Vizcaya Argentaria S A vs. its Competitors, Q1 2021
Revenue growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Banco Bilbao Vizcaya Argentaria S A reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Banco Bilbao Vizcaya Argentaria S A and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Banco Bilbao Vizcaya Argentaria S a | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (4) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Banco Bilbao Vizcaya Argentaria S A's competitor groups requires a Commercial License.
For context: the Commercial Banks industry grew revenue -5.7% year over year, combined, vs 92.0% for Banco Bilbao Vizcaya Argentaria S A. Banco Bilbao Vizcaya Argentaria S A's share of combined industry revenue moved from 0.20% to 0.41%, a gain of 0.21 percentage points.
Banco Bilbao Vizcaya Argentaria S A's Competitor Quality Breadth
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Banco Bilbao Vizcaya Argentaria S a | Yes | Yes | No | No |
| Competitors combined (219) | ||||
| High-Confidence Competitors (4) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
BBVA Stock Performance relative to its Competitors
BBVA Stock Performance relative to High-Confidence Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Optimumbank Holdings Inc | 282.9% | Outperformed |
| 2 | Old Point Financial Corp | 282.9% | Outperformed |
| 3 | Eagle Bancorp Inc | 282.9% | Outperformed |
| 4 | Community Ban corp | 282.9% | Outperformed |
| 5 | Lionsgate Studios Corp | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Banco Bilbao Vizcaya Argentaria S A's best-performing competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Banco Bilbao Vizcaya Argentaria S A's Comment on Competition and Industry Peers
Publicly Traded Peers of Banco Bilbao Vizcaya Argentaria S a
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
 Banco Bilbao Vizcaya Argentaria S a |
- | 3,258.47 |
 Jpmorgan Chase and Co |
897,436.67 | 190,733.00 |
 Bank Of America Corporation |
356,921.12 | 122,968.00 |
 Wells Fargo and Company |
256,142.91 | 85,055.00 |
 Citigroup inc |
206,640.54 | 91,360.00 |
 Capital one financial corp |
123,039.77 | 54,798.00 |
| SUBTOTAL | 2,838,481.54 | 894,800.63 |
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Sources: see Methodology: Peer & Competitor Identification, Sourcing.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Bbva Usa Bancshares Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Banco Bilbao Vizcaya Argentaria S A's Competitors Named by the Company
Competitive relationships identified from Banco Bilbao Vizcaya Argentaria S A reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Grupo Aval Acciones Y Valores S a | Company report | 85% |
| Credicorp Ltd | Company report | 85% |
| Banco Bbva Argentina S a | Company report | 85% |
| Intercorp Financial Services Inc | Company report | 85% |
| Peoples United Financial Inc | Company report | 85% |
| Citigroup inc | Company report | 85% |
| Veritex Holdings inc | Company report | 85% |
| Capital one financial corp | Company report | 85% |
| Huntington Bancshares Incorporated | Company report | 85% |
| Bank Of America Corporation | Company report | 85% |
| Wintrust Financial Corp | Company report | 85% |
| Tcf Financial Corporation | Company report | 85% |
| Regions Financial Corporation | Company report | 85% |
| Us Bancorp De | Company report | 85% |
| Seacoast Banking Corporation Of Florida | Company report | 85% |
| First Horizon Corp | Company report | 85% |
| Pnc Financial Services Group Inc | Company report | 85% |
| Fifth Third Bancorp | Company report | 85% |
| Santander Holdings Usa Inc | Company report | 85% |
| Zions Bancorporation National Association | Company report | 85% |
| Jpmorgan Chase and Co | Company report | 85% |
| Wells Fargo and Company | Company report | 85% |
| Merchants Bancorp | Company report | 85% |
| Keycorp | Company report | 85% |
Company report basis, confidence, active dates and source counts for Banco Bilbao Vizcaya Argentaria S A's named competitors require a Commercial License.
Methodology: see Methodology: Peer & Competitor Identification, Sourcing.
Banco Bilbao Vizcaya Argentaria S A's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| Capital one financial corp | Credit Card 74.32 % |
| D r Horton Inc | HomeBuildingOps 94.14 % |
| Citizens Financial Group Inc | Consumer Banking 73.64 % |
| First Citizens Bancshares Inc | Commercial Bank 46.42 % |
Source: operating segment revenue as reported in each company's reports (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
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Banco Bilbao Vizcaya Argentaria S A's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Banco Bilbao Vizcaya Argentaria S a | - | 308,772 | 72,120 |
| Jpmorgan Chase and Co | 897,437 | 598,825 | 204,714 |
| Bank Of America Corporation | 356,921 | 577,315 | 150,793 |
| Wells Fargo and Company | 256,143 | 355,879 | 96,699 |
| Citigroup inc | 206,641 | 404,248 | 80,004 |
| Capital one financial corp | 123,040 | 718,191 | 142,595 |
| PEERS TOTAL | 2,838,482 | 516,832 | 134,996 |
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Banco Bilbao Vizcaya Argentaria S A's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent report. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Lionsgate Studios Corp | UNITED STATES 64.70 % |
Source: revenue geography as reported in each company's reports (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Banco Bilbao Vizcaya Argentaria S A's Position in Industry Market Structure
Market-capitalization share and concentration across all 81 companies in Banco Bilbao Vizcaya Argentaria S A's industry classification, broader than the peer set above. Market cap in millions of $.Banco Bilbao Vizcaya Argentaria S A ranks #0 of 81 companies by market capitalization in its industry, holding 0.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 1,882, indicating a moderately concentrated market structure (see Methodology: Market Structure & Concentration).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Jpmorgan Chase and Co | 901,183 | 37.41 % |
| 2 | Bank Of America Corporation | 360,479 | 14.96 % |
| 3 | Wells Fargo and Company | 258,082 | 10.71 % |
| 4 | Citigroup inc | 206,641 | 8.58 % |
| 5 | Capital one financial corp | 1,234 | 5.2% |
| 6 | Us Bancorp De | 1,234 | 5.2% |
| 7 | Pnc Financial Services Group Inc | 1,234 | 5.2% |
| 8 | Truist Financial Corporation | 1,234 | 5.2% |
| 9 | Shinhan Financial Group Co Ltd | 1,234 | 5.2% |
| 10 | Huntington Bancshares Incorporated | 1,234 | 5.2% |
| 0 | Banco Bilbao Vizcaya Argentaria S a | - | 0.00 % |
Market cap and industry share for the rest of Banco Bilbao Vizcaya Argentaria S A's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-05-28.
Banco Bilbao Vizcaya Argentaria S A's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Commercial Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (2 companies). See the full Commercial Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 0.96 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 42.90 % | 0.23 % (avg) | +42.7 pp |
| Capital Intensity (Capex / Revenue) | 4.40 % | 0.98 % (avg) | +3.4 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Banco Bilbao Vizcaya Argentaria S A's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 |
|---|---|---|---|---|---|---|
| Revenue Growth | -0.03 % | 0.90 % | 9.48 % | 6.79 % | -4.62 % | -12.99 % |
| Operating Margin | 23.58 % | - | 25.15 % | - | - | - |
| Return on Invested Capital | 2.67 % | - | 2.98 % | 3.08 % | 0.89 % | -6.82 % |
| P/E | - | - | - | - | - | - |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Banco Bilbao Vizcaya Argentaria S A's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | Moderate | Industry HHI of 1,882 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | High (capital intensive) | Capital intensity (capex / revenue) of 4.40 % vs industry average 0.98 % (see Profitability & Cost Structure above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on Banco Bilbao Vizcaya Argentaria S A's dedicated Suppliers and Customers pages, not here.
Banco Bilbao Vizcaya Argentaria S A's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
Banco Bilbao Vizcaya Argentaria S A falls in the Medium attractiveness / High strength cell: Invest / Grow.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Banco Bilbao Vizcaya Argentaria S A's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+33.6% annualized vs trailing 12 months).
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
No rule matched.
Opportunities
- Industry revenue growing at a healthy 11.3% median pace.
Threats
- Industry dominated by Jpmorgan Chase and Co, holding 37.41 % of industry market cap.
- Tracked peer group's revenue run-rate is broadly decelerating (-23.2% annualized).
- High capital intensity requires continuous reinvestment just to keep pace with the industry.
Methodology: see Methodology: SWOT Analysis.
Banco Bilbao Vizcaya Argentaria S A's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Banco Bilbao Vizcaya Argentaria S a | 0.16 | 1.04 | 0.31 |
| Jpmorgan Chase and Co | 0.15 | 0.42 | 1.41 |
| Bank Of America Corporation | 0.10 | 0.52 | 1.27 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.16 |
| Citigroup inc | 0.07 | 0.40 | 1.78 |
| Capital one financial corp | 0.05 | 1.03 | 0.58 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Banco Bilbao Vizcaya Argentaria S A's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Banco Bilbao Vizcaya Argentaria S a | Q1 2021 | +92.0 % | - |
| Jpmorgan Chase and Co | Q3 2026 | +10.2 % | +9.0 % |
| Bank Of America Corporation | Q3 2026 | +3.2 % | -16.8 % |
| Wells Fargo and Company | Q3 2026 | +5.4 % | +6.9 % |
| Citigroup inc | Q2 2026 | +14.3 % | +44.6 % |
| Capital one financial corp | Q3 2026 | +29.3 % | +12.0 % |
| PEERS TOTAL | +9.9 % | +14.0 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Banco Bilbao Vizcaya Argentaria S A's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Banco Bilbao Vizcaya Argentaria S a | Q1 2021 | - | -30.0 % |
| Jpmorgan Chase and Co | Q3 2026 | -12.8 % | - |
| Bank Of America Corporation | Q3 2026 | - | - |
| Wells Fargo and Company | Q3 2026 | +31.5 % | - |
| Citigroup inc | Q2 2026 | - | -11.6 % |
| Capital one financial corp | Q3 2026 | +7.4 % | +1.3 % |
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Banco Bilbao Vizcaya Argentaria S A's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Banco Bilbao Vizcaya Argentaria S a | 0.74% | 4.89% | 6.56% |
| Jpmorgan Chase and Co | 1.34% | 1.65% | 17.70% |
| Bank Of America Corporation | 0.93% | 1.18% | 10.69% |
| Wells Fargo and Company | 1.04% | 1.23% | 12.78% |
| Citigroup inc | 0.66% | 0.69% | 8.46% |
| Capital one financial corp | 1.61% | 1.59% | 9.69% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Banco Bilbao Vizcaya Argentaria S A's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Banco Bilbao Vizcaya Argentaria S a | - | - |
| Jpmorgan Chase and Co | 14.07 | 4.71 |
| Bank Of America Corporation | 11.79 | 2.90 |
| Wells Fargo and Company | 11.91 | 3.01 |
| Citigroup inc | 12.90 | 2.26 |
| Capital one financial corp | 11.48 | 2.25 |
| PEERS AVERAGE | 12.15 | 3.17 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.