Banco Bilbao Viscaya Argentaria SA ADR (BBVA)vsAT&T Inc (TBB)
BBVA
Banco Bilbao Viscaya Argentaria SA ADR
$21.35
-0.42%
FINANCIAL SERVICES · Cap: $116.64B
TBB
AT&T Inc
$21.58
-0.05%
· Cap: $132.50B
Smart Verdict
WallStSmart Research — data-driven comparison
BBVA leads profitability with a 33.2% profit margin vs 0.0%. TBB trades at a lower P/E of 4.2x. BBVA earns a higher WallStSmart Score of 65/100 (C+).
BBVA
Buy65
out of 100
Grade: C+
TBB
Avoid25
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 TBB.
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
Attractively priced relative to earnings
Large-cap with strong market position
Generating 4.5B in free cash flow
Areas to Watch
Expensive relative to growth rate
0.3% revenue growth
Elevated debt levels
Weak financial health signals
0.0% revenue growth
0.0% earnings growth
0.0% margin — thin
Operating margin of 0.0%
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 : TBB
The strongest argument for TBB centers on P/E Ratio, Market Cap, Free Cash Flow.
Bear Case : BBVA
The primary concerns for BBVA are PEG Ratio, Revenue Growth, Debt/Equity.
Bear Case : TBB
The primary concerns for TBB are Revenue Growth, EPS Growth, Profit Margin. Debt-to-equity of 1.57 is elevated, increasing financial risk.
Key Dynamics to Monitor
BBVA is growing revenue faster at 0.3% — sustainability is the question.
TBB generates stronger free cash flow (4.5B), providing more financial flexibility.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BBVA scores higher overall (65/100 vs 25/100), 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.
AT&T Inc
· · USA
AT&T Inc. provides digital entertainment communications and services. The company is headquartered in Dallas, Texas.
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