Banco Bilbao Viscaya Argentaria SA ADR (BBVA)vsJPMorgan Chase & Co (JPM)
BBVA
Banco Bilbao Viscaya Argentaria SA ADR
$20.54
-1.91%
FINANCIAL SERVICES · Cap: $118.57B
JPM
JPMorgan Chase & Co
$286.56
-0.49%
FINANCIAL SERVICES · Cap: $772.86B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 432% more annual revenue ($168.24B vs $31.65B). JPM leads profitability with a 33.9% profit margin vs 33.2%. JPM appears more attractively valued with a PEG of 1.62. BBVA earns a higher WallStSmart Score of 65/100 (C+).
BBVA
Buy65
out of 100
Grade: C+
JPM
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+22.4%
Fair Value
$31.03
Current Price
$20.54
$10.49 discount
Margin of Safety
-111.5%
Fair Value
$135.46
Current Price
$286.56
$151.10 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%
Revenue surging 30.0% year-over-year
Large-cap with strong market position
Reasonable price relative to book value
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 41.1%
Generating 368.4B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
2.5% revenue growth
Elevated debt levels
Earnings declined 3.6%
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%. Revenue growth of 30.0% demonstrates continued momentum.
Bull Case : JPM
The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 41.1%.
Bear Case : BBVA
The primary concerns for BBVA are PEG Ratio, Debt/Equity, Piotroski F-Score.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
BBVA profiles as a growth stock while JPM is a value play — different risk/reward profiles.
JPM carries more volatility with a beta of 1.06 — expect wider price swings.
BBVA is growing revenue faster at 30.0% — sustainability is the question.
JPM generates stronger free cash flow (368.4B), providing more financial flexibility.
Bottom Line
BBVA scores higher overall (65/100 vs 63/100), backed by strong 33.2% margins and 30.0% revenue growth. Both earn "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.
JPMorgan Chase & Co
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
JPMorgan Chase & Co. is an American multinational investment bank and financial services holding company headquartered in New York City. JPMorgan Chase is incorporated in Delaware. As a Bulge Bracket bank, it is a major provider of various investment banking and financial services. It is one of America's Big Four banks, along with Bank of America, Citigroup, and Wells Fargo. JPMorgan Chase is considered to be a universal bank and a custodian bank. The J.P. Morgan brand is used by the investment banking, asset management, private banking, private wealth management, and treasury services divisions.
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