WallStSmart

Banco Bilbao Viscaya Argentaria SA ADR (BBVA)vsEnbridge Inc (ENB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Enbridge Inc generates 106% more annual revenue ($65.19B vs $31.65B). BBVA leads profitability with a 33.2% profit margin vs 11.5%. BBVA appears more attractively valued with a PEG of 1.78. ENB earns a higher WallStSmart Score of 67/100 (B-).

BBVA

Buy

65

out of 100

Grade: C+

Growth: 4.0Profit: 8.0Value: 9.3Quality: 5.3
Piotroski: 3/9

ENB

Strong Buy

67

out of 100

Grade: B-

Growth: 5.3Profit: 6.5Value: 10.0Quality: 4.5
Piotroski: 3/9Altman Z: 0.61
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

BBVAUndervalued (+22.8%)

Margin of Safety

+22.8%

Fair Value

$31.19

Current Price

$21.35

$9.84 discount

UndervaluedFair: $31.19Overvalued
ENBUndervalued (+53.1%)

Margin of Safety

+53.1%

Fair Value

$109.98

Current Price

$54.44

$55.54 discount

UndervaluedFair: $109.98Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BBVA6 strengths · Avg: 9.2/10
P/E RatioValuation
10.2x10/10

Attractively priced relative to earnings

Profit MarginProfitability
33.2%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
50.9%10/10

Strong operational efficiency at 50.9%

Market CapQuality
$116.64B9/10

Large-cap with strong market position

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$3.60B8/10

Generating 3.6B in free cash flow

ENB3 strengths · Avg: 9.0/10
Debt/EquityHealth
0.1010/10

Conservative balance sheet, low leverage

Market CapQuality
$116.68B9/10

Large-cap with strong market position

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Areas to Watch

BBVA4 concerns · Avg: 3.5/10
PEG RatioValuation
1.784/10

Expensive relative to growth rate

Revenue GrowthGrowth
0.3%4/10

0.3% revenue growth

Debt/EquityHealth
1.433/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

ENB4 concerns · Avg: 3.3/10
PEG RatioValuation
1.824/10

Expensive relative to growth rate

EPS GrowthGrowth
2.9%4/10

2.9% earnings growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.612/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull 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 : ENB

The strongest argument for ENB centers on Debt/Equity, Market Cap, Price/Book.

Bear Case : BBVA

The primary concerns for BBVA are PEG Ratio, Revenue Growth, Debt/Equity.

Bear Case : ENB

The primary concerns for ENB are PEG Ratio, EPS Growth, Piotroski F-Score.

Key Dynamics to Monitor

BBVA carries more volatility with a beta of 0.92 — expect wider price swings.

ENB is growing revenue faster at 5.9% — sustainability is the question.

BBVA generates stronger free cash flow (3.6B), providing more financial flexibility.

Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

ENB scores higher overall (67/100 vs 65/100). 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.

Enbridge Inc

ENERGY · OIL & GAS MIDSTREAM · USA

Enbridge Inc. is an energy infrastructure company. The company is headquartered in Calgary, Canada.

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