Banco Bilbao Viscaya Argentaria SA ADR (BBVA)vsSanofi ADR (SNY)
BBVA
Banco Bilbao Viscaya Argentaria SA ADR
$21.35
-0.42%
FINANCIAL SERVICES · Cap: $116.64B
SNY
Sanofi ADR
$46.03
+1.97%
HEALTHCARE · Cap: $109.03B
Smart Verdict
WallStSmart Research — data-driven comparison
Sanofi ADR generates 48% more annual revenue ($46.72B vs $31.65B). BBVA leads profitability with a 33.2% profit margin vs 16.7%. BBVA appears more attractively valued with a PEG of 1.78. BBVA earns a higher WallStSmart Score of 65/100 (C+).
BBVA
Buy65
out of 100
Grade: C+
SNY
Hold49
out of 100
Grade: D+
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
-89.7%
Fair Value
$24.79
Current Price
$46.03
$21.24 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%
Large-cap with strong market position
Reasonable price relative to book value
Generating 3.6B in free cash flow
Reasonable price relative to book value
Large-cap with strong market position
Generating 1.6B in free cash flow
Areas to Watch
Expensive relative to growth rate
0.3% revenue growth
Elevated debt levels
Weak financial health signals
2.4% earnings growth
ROE of 6.7% — below average capital efficiency
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%.
Bull Case : SNY
The strongest argument for SNY centers on Price/Book, Market Cap, Free Cash Flow. Profitability is solid with margins at 16.7% and operating margin at 14.3%.
Bear Case : BBVA
The primary concerns for BBVA are PEG Ratio, Revenue Growth, Debt/Equity.
Bear Case : SNY
The primary concerns for SNY are EPS Growth, Return on Equity, PEG Ratio.
Key Dynamics to Monitor
BBVA profiles as a value stock while SNY is a mature play — different risk/reward profiles.
BBVA carries more volatility with a beta of 0.92 — expect wider price swings.
SNY is growing revenue faster at 6.9% — sustainability is the question.
BBVA generates stronger free cash flow (3.6B), providing more financial flexibility.
Bottom Line
BBVA scores higher overall (65/100 vs 49/100), backed by strong 33.2% margins. Both earn "Buy" and "Hold" 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.
Sanofi ADR
HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA
Sanofi, a healthcare company, is engaged in the research, development, manufacture, and marketing of therapeutic solutions in the United States, Europe, and internationally. The company is headquartered in Paris, France.
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