Banco Bilbao Viscaya Argentaria SA ADR (BBVA)vsQMMM Holdings Limited Ordinary Shares (QMMM)
BBVA
Banco Bilbao Viscaya Argentaria SA ADR
$21.35
-0.42%
FINANCIAL SERVICES · Cap: $116.64B
QMMM
QMMM Holdings Limited Ordinary Shares
$119.40
0.00%
COMMUNICATION SERVICES · Cap: $6.83B
Smart Verdict
WallStSmart Research — data-driven comparison
Banco Bilbao Viscaya Argentaria SA ADR generates 1686624% more annual revenue ($31.65B vs $1.88M). BBVA leads profitability with a 33.2% profit margin vs -1.5%. BBVA earns a higher WallStSmart Score of 65/100 (C+).
BBVA
Buy65
out of 100
Grade: C+
QMMM
Avoid14
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
Intrinsic value data unavailable for QMMM.
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
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Areas to Watch
Expensive relative to growth rate
0.3% revenue growth
Elevated debt levels
Weak financial health signals
0.0% earnings growth
Weak financial health signals
Trading at 519.1x book value
ROE of -2.0% — below average capital efficiency
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 : QMMM
The strongest argument for QMMM centers on Debt/Equity, Altman Z-Score.
Bear Case : BBVA
The primary concerns for BBVA are PEG Ratio, Revenue Growth, Debt/Equity.
Bear Case : QMMM
The primary concerns for QMMM are EPS Growth, Piotroski F-Score, Price/Book.
Key Dynamics to Monitor
BBVA profiles as a value stock while QMMM is a turnaround play — different risk/reward profiles.
BBVA is growing revenue faster at 0.3% — 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
BBVA scores higher overall (65/100 vs 14/100), backed by strong 33.2% margins. Both earn "Buy" and "Avoid" 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.
QMMM Holdings Limited Ordinary Shares
COMMUNICATION SERVICES · ADVERTISING AGENCIES · USA
QMMM Holdings Limited, provides digital media advertising and marketing production services primarily in Hong Kong.
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