Banco Bilbao Viscaya Argentaria SA ADR (BBVA)vsUnilever PLC ADR (UL)
BBVA
Banco Bilbao Viscaya Argentaria SA ADR
$22.28
+1.87%
FINANCIAL SERVICES · Cap: $123.68B
UL
Unilever PLC ADR
$58.40
-0.56%
CONSUMER DEFENSIVE · Cap: $130.20B
Smart Verdict
WallStSmart Research — data-driven comparison
Unilever PLC ADR generates 55% more annual revenue ($50.50B vs $32.61B). BBVA leads profitability with a 33.1% profit margin vs 18.8%. BBVA appears more attractively valued with a PEG of 1.83. BBVA earns a higher WallStSmart Score of 71/100 (B).
BBVA
Strong Buy71
out of 100
Grade: B
UL
Hold46
out of 100
Grade: D+
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 54.9%
Large-cap with strong market position
Reasonable price relative to book value
Every $100 of equity generates 31 in profit
Large-cap with strong market position
Strong operational efficiency at 20.1%
Generating 5.5B in free cash flow
Areas to Watch
Expensive relative to growth rate
Elevated debt levels
Weak financial health signals
Expensive relative to growth rate
Revenue declined 3.2%
Earnings declined 3.4%
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 33.1% and operating margin at 54.9%. Revenue growth of 11.9% demonstrates continued momentum.
Bull Case : UL
The strongest argument for UL centers on Return on Equity, Market Cap, Operating Margin. Profitability is solid with margins at 18.8% and operating margin at 20.1%.
Bear Case : BBVA
The primary concerns for BBVA are PEG Ratio, Debt/Equity, Piotroski F-Score.
Bear Case : UL
The primary concerns for UL are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
BBVA profiles as a mature stock while UL is a declining play — different risk/reward profiles.
BBVA carries more volatility with a beta of 0.89 — expect wider price swings.
BBVA is growing revenue faster at 11.9% — sustainability is the question.
Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BBVA scores higher overall (71/100 vs 46/100), backed by strong 33.1% margins and 11.9% revenue growth. Both earn "Strong 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.
Unilever PLC ADR
CONSUMER DEFENSIVE · HOUSEHOLD & PERSONAL PRODUCTS · USA
Unilever PLC is a fast moving consumer goods company in Asia, Africa, the Middle East, Turkey, Russia, Ukraine, Belarus, America and Europe. The company is headquartered in London, the United Kingdom.
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