WallStSmart

Banco Bilbao Viscaya Argentaria SA ADR (BBVA)vsHowmet Aerospace Inc (HWM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Banco Bilbao Viscaya Argentaria SA ADR generates 284% more annual revenue ($31.65B vs $8.25B). BBVA leads profitability with a 33.2% profit margin vs 18.3%. HWM appears more attractively valued with a PEG of 0.80. HWM earns a higher WallStSmart Score of 69/100 (B-).

BBVA

Buy

65

out of 100

Grade: C+

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

HWM

Strong Buy

69

out of 100

Grade: B-

Growth: 7.3Profit: 9.0Value: 4.7Quality: 5.0
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
HWMSignificantly Overvalued (-58.8%)

Margin of Safety

-58.8%

Fair Value

$145.34

Current Price

$241.58

$96.24 premium

UndervaluedFair: $145.34Overvalued

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

HWM5 strengths · Avg: 8.6/10
Return on EquityProfitability
30.4%10/10

Every $100 of equity generates 30 in profit

Market CapQuality
$93.06B9/10

Large-cap with strong market position

PEG RatioValuation
0.808/10

Growing faster than its price suggests

Operating MarginProfitability
26.3%8/10

Strong operational efficiency at 26.3%

EPS GrowthGrowth
20.3%8/10

Earnings expanding 20.3% YoY

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

HWM2 concerns · Avg: 3.0/10
Price/BookValuation
18.1x4/10

Trading at 18.1x book value

P/E RatioValuation
62.5x2/10

Premium valuation, high expectations priced in

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 : HWM

The strongest argument for HWM centers on Return on Equity, Market Cap, PEG Ratio. Profitability is solid with margins at 18.3% and operating margin at 26.3%. Revenue growth of 14.6% demonstrates continued momentum.

Bear Case : BBVA

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

Bear Case : HWM

The primary concerns for HWM are Price/Book, P/E Ratio. A P/E of 62.5x leaves little room for execution misses.

Key Dynamics to Monitor

BBVA profiles as a value stock while HWM is a mature play — different risk/reward profiles.

HWM carries more volatility with a beta of 1.19 — expect wider price swings.

HWM is growing revenue faster at 14.6% — sustainability is the question.

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

Bottom Line

HWM scores higher overall (69/100 vs 65/100), backed by strong 18.3% margins and 14.6% 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.

Howmet Aerospace Inc

INDUSTRIALS · AEROSPACE & DEFENSE · USA

Howmet Aerospace Inc. is an American aerospace company based in Pittsburgh, Pennsylvania. The company manufactures components for jet engines, fasteners and titanium structures for aerospace applications, and forged aluminum wheels for heavy trucks.

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