Banco Bilbao Viscaya Argentaria SA ADR (BBVA)vsBlackRock Inc (BLK)
BBVA
Banco Bilbao Viscaya Argentaria SA ADR
$21.35
-0.42%
FINANCIAL SERVICES · Cap: $116.64B
BLK
BlackRock Inc
$981.35
+0.54%
FINANCIAL SERVICES · Cap: $151.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Banco Bilbao Viscaya Argentaria SA ADR generates 31% more annual revenue ($31.65B vs $24.22B). BBVA leads profitability with a 33.2% profit margin vs 22.9%. BLK appears more attractively valued with a PEG of 0.99. BLK earns a higher WallStSmart Score of 70/100 (B-).
BBVA
Buy65
out of 100
Grade: C+
BLK
Strong Buy70
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+22.8%
Fair Value
$31.19
Current Price
$21.35
$9.84 discount
Margin of Safety
-308.5%
Fair Value
$240.24
Current Price
$981.35
$741.11 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Keeps 33 of every $100 in revenue as profit
Strong operational efficiency at 50.9%
Large-cap with strong market position
Reasonable price relative to book value
Generating 3.6B in free cash flow
Strong operational efficiency at 36.7%
Large-cap with strong market position
Keeps 23 of every $100 in revenue as profit
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 23.4% year-over-year
Areas to Watch
Expensive relative to growth rate
0.3% revenue growth
Elevated debt levels
Weak financial health signals
Moderate valuation
Weak financial health signals
Earnings declined 31.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : BBVA
The strongest argument for BBVA centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 33.2% and operating margin at 50.9%.
Bull Case : BLK
The strongest argument for BLK centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 22.9% and operating margin at 36.7%. Revenue growth of 23.4% demonstrates continued momentum.
Bear Case : BBVA
The primary concerns for BBVA are PEG Ratio, Revenue Growth, Debt/Equity.
Bear Case : BLK
The primary concerns for BLK are P/E Ratio, Piotroski F-Score, EPS Growth.
Key Dynamics to Monitor
BBVA profiles as a value stock while BLK is a growth play — different risk/reward profiles.
BLK carries more volatility with a beta of 1.49 — expect wider price swings.
BLK is growing revenue faster at 23.4% — sustainability is the question.
BBVA generates stronger free cash flow (3.6B), providing more financial flexibility.
Bottom Line
BLK scores higher overall (70/100 vs 65/100), backed by strong 22.9% margins and 23.4% revenue growth. BBVA offers better value entry with a 22.8% margin of safety. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Banco Bilbao Viscaya Argentaria SA ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Banco Bilbao Vizcaya Argentaria, SA provides retail banking, wholesale banking, asset management and private banking services. The company is headquartered in Bilbao, Spain.
BlackRock Inc
FINANCIAL SERVICES · ASSET MANAGEMENT · USA
BlackRock, Inc. is an American multinational investment management corporation based in New York City.
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