Banco Bilbao Viscaya Argentaria SA ADR (BBVA)vsGoldman Sachs Group Inc (GS)
BBVA
Banco Bilbao Viscaya Argentaria SA ADR
$21.35
-0.42%
FINANCIAL SERVICES · Cap: $116.64B
GS
Goldman Sachs Group Inc
$841.84
+0.73%
FINANCIAL SERVICES · Cap: $250.66B
Smart Verdict
WallStSmart Research — data-driven comparison
Goldman Sachs Group Inc generates 88% more annual revenue ($59.40B vs $31.65B). BBVA leads profitability with a 33.2% profit margin vs 28.9%. GS appears more attractively valued with a PEG of 1.43. GS earns a higher WallStSmart Score of 73/100 (B).
BBVA
Buy65
out of 100
Grade: C+
GS
Strong Buy73
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
+52.4%
Fair Value
$1768.48
Current Price
$841.84
$926.64 discount
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
Strong operational efficiency at 38.3%
Keeps 29 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
15.2% revenue growth
Areas to Watch
Expensive relative to growth rate
0.3% revenue growth
Elevated debt levels
Weak financial health signals
Negative free cash flow — burning cash
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 : GS
The strongest argument for GS centers on Market Cap, Operating Margin, Profit Margin. Profitability is solid with margins at 28.9% and operating margin at 38.3%. Revenue growth of 15.2% demonstrates continued momentum.
Bear Case : BBVA
The primary concerns for BBVA are PEG Ratio, Revenue Growth, Debt/Equity.
Bear Case : GS
The primary concerns for GS are Free Cash Flow.
Key Dynamics to Monitor
BBVA profiles as a value stock while GS is a growth play — different risk/reward profiles.
GS carries more volatility with a beta of 1.34 — expect wider price swings.
GS is growing revenue faster at 15.2% — sustainability is the question.
BBVA generates stronger free cash flow (3.6B), providing more financial flexibility.
Bottom Line
GS scores higher overall (73/100 vs 65/100), backed by strong 28.9% margins and 15.2% 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.
Goldman Sachs Group Inc
FINANCIAL SERVICES · CAPITAL MARKETS · USA
The Goldman Sachs Group, Inc., is an American multinational investment bank and financial services company headquartered in New York City. It offers services in investment management, securities, asset management, prime brokerage, and securities underwriting. It also provides investment banking to institutional investors.
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