Banco Bilbao Viscaya Argentaria SA ADR (BBVA)vsChevron Corp (CVX)
BBVA
Banco Bilbao Viscaya Argentaria SA ADR
$21.35
-0.42%
FINANCIAL SERVICES · Cap: $116.64B
CVX
Chevron Corp
$205.15
-0.79%
ENERGY · Cap: $403.33B
Smart Verdict
WallStSmart Research — data-driven comparison
Chevron Corp generates 483% more annual revenue ($184.65B vs $31.65B). BBVA leads profitability with a 33.2% profit margin vs 6.7%. BBVA appears more attractively valued with a PEG of 1.78. BBVA earns a higher WallStSmart Score of 65/100 (C+).
BBVA
Buy65
out of 100
Grade: C+
CVX
Hold40
out of 100
Grade: F
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
-358.0%
Fair Value
$45.15
Current Price
$205.15
$160.00 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
Mega-cap, among the largest globally
Reasonable price relative to book value
Generating 5.4B in free cash flow
Areas to Watch
Expensive relative to growth rate
0.3% revenue growth
Elevated debt levels
Weak financial health signals
Premium valuation, high expectations priced in
ROE of 7.2% — below average capital efficiency
6.7% margin — thin
Weak financial health signals
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 : CVX
The strongest argument for CVX centers on Market Cap, Price/Book, Free Cash Flow.
Bear Case : BBVA
The primary concerns for BBVA are PEG Ratio, Revenue Growth, Debt/Equity.
Bear Case : CVX
The primary concerns for CVX are P/E Ratio, Return on Equity, Profit Margin.
Key Dynamics to Monitor
BBVA carries more volatility with a beta of 0.92 — expect wider price swings.
BBVA is growing revenue faster at 0.3% — sustainability is the question.
CVX generates stronger free cash flow (5.4B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BBVA scores higher overall (65/100 vs 40/100), backed by strong 33.2% margins. Both earn "Buy" and "Hold" 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.
Chevron Corp
ENERGY · OIL & GAS INTEGRATED · USA
Chevron Corporation is an American multinational energy corporation. One of the successor companies of Standard Oil, it is headquartered in San Ramon, California, and active in more than 180 countries. Chevron is engaged in every aspect of the oil and natural gas industries, including hydrocarbon exploration and production; refining, marketing and transport; chemicals manufacturing and sales; and power generation.
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