Banco Bilbao Viscaya Argentaria SA ADR (BBVA)vsRoyal Bank of Canada (RY)
BBVA
Banco Bilbao Viscaya Argentaria SA ADR
$20.54
-1.91%
FINANCIAL SERVICES · Cap: $118.57B
RY
Royal Bank of Canada
$159.20
-0.70%
FINANCIAL SERVICES · Cap: $223.81B
Smart Verdict
WallStSmart Research — data-driven comparison
Royal Bank of Canada generates 100% more annual revenue ($63.42B vs $31.65B). BBVA leads profitability with a 33.2% profit margin vs 33.1%. BBVA appears more attractively valued with a PEG of 1.82. RY earns a higher WallStSmart Score of 68/100 (B-).
BBVA
Buy65
out of 100
Grade: C+
RY
Strong Buy68
out of 100
Grade: B-
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
+44.4%
Fair Value
$306.99
Current Price
$159.20
$147.79 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%
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 33 of every $100 in revenue as profit
Strong operational efficiency at 46.2%
Generating 37.3B 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
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 : RY
The strongest argument for RY centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.1% and operating margin at 46.2%.
Bear Case : BBVA
The primary concerns for BBVA are PEG Ratio, Debt/Equity, Piotroski F-Score.
Bear Case : RY
The primary concerns for RY are PEG Ratio.
Key Dynamics to Monitor
BBVA profiles as a growth stock while RY is a mature play — different risk/reward profiles.
RY carries more volatility with a beta of 0.94 — expect wider price swings.
BBVA is growing revenue faster at 30.0% — sustainability is the question.
RY generates stronger free cash flow (37.3B), providing more financial flexibility.
Bottom Line
RY scores higher overall (68/100 vs 65/100), backed by strong 33.1% margins. BBVA offers better value entry with a 22.4% 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.
Royal Bank of Canada
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Royal Bank of Canada is a globally diversified financial services company. The company is headquartered in Toronto, Canada.
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