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 870,874M combined for tracked competitors (0.4% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+33.6% annualized vs trailing 12 months), vs decelerating (-21.6%) 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 tracked 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 $0.51M 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 34.60 %.
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.
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 an SEC filing; 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 |
| Similar Growth & Profitability (7) | $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 44.1% 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 0.30% to 0.40%, a gain of 0.10 percentage points.
Banco Bilbao Vizcaya Argentaria S A's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Banco Bilbao Vizcaya Argentaria S a | Yes | Yes | No | No |
| Competitors combined (219) | ||||
| High-Confidence Competitors (4) | ||||
| Similar Growth & Profitability (8) | 100.00 % (8 of 8) | 100.00 % (8 of 8) | 25.00 % (2 of 8) | 25.00 % (2 of 8) |
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
BBVA Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Old Point Financial Corp | 282.9% | Outperformed |
| 2 | Optimumbank Holdings Inc | 282.9% | Outperformed |
| 3 | Community Ban corp | 282.9% | Outperformed |
| 4 | Bank Of The James Financial Group Inc | 282.9% | Outperformed |
| 5 | The Bank Of New York Mellon Corporation | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Banco Bilbao Vizcaya Argentaria S A's best-performing tracked 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 | 906,840.78 | 186,328.00 |
| Bank Of America Corporation | 404,609.27 | 121,098.00 |
| Wells Fargo and Company | 248,473.80 | 83,940.00 |
| Citigroup inc | 233,259.84 | 88,262.00 |
| Capital one financial corp | 122,021.31 | 51,099.00 |
| SUBTOTAL | 2,897,035.14 | 877,287.19 |
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Sources: Bbva Usa Bancshares Inc's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
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 SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Intercorp Financial Services Inc | Named by the company | 85% |
| Credicorp Ltd | Named by the company | 85% |
| Banco Bbva Argentina S a | Named by the company | 85% |
| Grupo Aval Acciones Y Valores S a | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Banco Bilbao Vizcaya Argentaria S A's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
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 % |
| D r Horton Inc | HomeBuildingOps 94.14 % |
| First Citizens Bancshares Inc | Commercial Bank 46.42 % |
| Pultegroup Inc | Florida 26.99 % |
| Lennar Corp | Homebuilding West 34.85 % |
Source: operating segment revenue as reported in each company's SEC filings (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 | 906,841 | 584,995 | 200,752 |
| Bank Of America Corporation | 404,609 | 568,535 | 158,005 |
| Wells Fargo and Company | 248,474 | 351,213 | 95,100 |
| Citigroup inc | 233,260 | 390,540 | 72,049 |
| Capital one financial corp | 122,021 | 669,712 | 137,615 |
| PEERS TOTAL | 2,897,035 | 506,679 | 133,032 |
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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 filing. 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 SEC filings (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 1,895, indicating a moderately concentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Jpmorgan Chase and Co | 916,675 | 36.90 % |
| 2 | Bank Of America Corporation | 412,086 | 16.59 % |
| 3 | Wells Fargo and Company | 252,701 | 10.17 % |
| 4 | Citigroup inc | 236,874 | 9.53 % |
| 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 | Huntington Bancshares Incorporated | 1,234 | 5.2% |
| 10 | Mizuho Financial Group Inc | 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 (46 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 47.30 % | 65.76 % (avg) | -18.5 pp |
| Operating Margin | 27.22 % | industry median | -8.1 pp |
| EBITDA Margin | 42.90 % | 50.98 % (avg) | -8.1 pp |
| Capital Intensity (Capex / Revenue) | 4.40 % | 1.97 % (avg) | +2.4 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 SEC filings.| 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 % | 28.75 % | 8.88 % | -66.66 % |
| Return on Invested Capital | 2.67 % | - | 2.98 % | 3.56 % | 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 Strategic Group Map
Every company in Banco Bilbao Vizcaya Argentaria S A's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. Banco Bilbao Vizcaya Argentaria S A is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
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 1,895 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | High (capital intensive) | Capital intensity (capex / revenue) of 4.40 % vs industry average 1.97 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Banco Bilbao Vizcaya Argentaria S A's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Banco Bilbao Vizcaya Argentaria S A's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Banco Bilbao Vizcaya Argentaria S A's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Banco Bilbao Vizcaya Argentaria S A falls in the Medium attractiveness / Low strength cell: Harvest.
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
- Operating margin 8.1 points below the industry median.
Opportunities
- Industry revenue growing at a healthy 13.0% median pace.
Threats
- Industry dominated by Jpmorgan Chase and Co, holding 36.90 % of industry market cap.
- Tracked peer group's revenue run-rate is broadly decelerating (-21.6% annualized).
- High capital intensity requires continuous reinvestment just to keep pace with the industry.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
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 | 0.17 | 0.42 | 1.40 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.41 |
| Citigroup inc | 0.01 | 0.40 | 1.75 |
| Capital one financial corp | 0.03 | 1.03 | 0.39 |
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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 | Q2 2026 | +30.4 % | +44.0 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Wells Fargo and Company | Q2 2026 | +14.2 % | +21.6 % |
| Citigroup inc | Q1 2026 | +14.1 % | +44.6 % |
| Capital one financial corp | Q2 2026 | +1,392.5 % | - |
| PEERS TOTAL | +24.2 % | +55.1 % |
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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 | Q2 2026 | -6.4 % | - |
| Bank Of America Corporation | Q2 2026 | - | - |
| Wells Fargo and Company | Q2 2026 | -16.2 % | - |
| Citigroup inc | Q1 2026 | - | -6.7 % |
| Capital one financial corp | Q2 2026 | -73.8 % | -8.0 % |
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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 | 1.35% | 3.71% | 17.50% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Wells Fargo and Company | 1.05% | 2.94% | 12.48% |
| Citigroup inc | 0.61% | 0.63% | 7.62% |
| Capital one financial corp | 1.56% | 3.24% | 9.26% |
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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 | 14.17 | 4.87 |
| Bank Of America Corporation | 12.78 | 3.34 |
| Wells Fargo and Company | 11.82 | 2.96 |
| Citigroup inc | 16.34 | 2.64 |
| Capital one financial corp | 11.69 | 2.39 |
| PEERS AVERAGE | 12.58 | 3.30 |
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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.