Banco Bilbao Vizcaya Argentaria, S.a. (BBVA) Financial Statements

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Banco Bilbao Vizcaya Argentaria financial statements at a glance

Banco Bilbao Vizcaya Argentaria reported revenue of 39.42 billion EUR for fiscal year 2025 (ended December 31, 2025), up 0.5% from fiscal year 2024. Net income was 10.11 billion EUR, a net margin of 25.7%, and diluted earnings per share were 1.76 EUR.

At the end of fiscal year 2025 it had total assets of 859.58 billion EUR, total liabilities of 797.78 billion EUR and shareholders' equity of 57.36 billion EUR, with cash of 69.89 billion EUR and total debt of 89.30 billion EUR.

Its operations brought in 14.97 billion EUR of cash; capital spending was 1.81 billion EUR, leaving free cash flow of 13.16 billion EUR.

The tables below show the income statement, balance sheet and cash flow statement; the key figures of the last 5 fiscal years are at the bottom of the page.

Figures from company filings, in EUR; latest fiscal year ended December 31, 2025.

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Banco Bilbao Vizcaya Argentaria, S.a.

BBVASpain
Financial Services
EUR (Local)

Income Statement

Annual • EUR

Total Revenue
39.41B
Prev Year: 39.23B
YoY: +0.5%
Net Interest Income
26.28B
Prev Year: 25.27B
YoY: +4.0%
Interest Income
58.35B
Prev Year: 61.66B
YoY: -5.4%
Interest Expense
32.06B
Prev Year: 36.39B
YoY: -11.9%
Non Interest Income
-
Prev Year: 13.97B
Total Premiums Earned
-
Prev Year: 1.48B
Gain on Sale of Securities
714.00M
Prev Year: 702.00M
YoY: +1.7%
Depreciation and amortization
1.52B
Prev Year: 1.53B
YoY: -0.8%
Amortization
575.00M
Prev Year: 561.00M
YoY: +2.5%
Amortization of Intangibles
575.00M
Prev Year: 561.00M
YoY: +2.5%
Depreciation
946.00M
Prev Year: 972.00M
YoY: -2.7%
Other General and Administrative
3.59B
Prev Year: 3.50B
YoY: +2.6%
Insurance and Claims
656.00M
Prev Year: 636.00M
YoY: +3.1%
Operating Revenue
39.41B
Provision for Credit Losses
-
Prev Year: -5.60B
Occupancy And Equipment
561.00M
Prev Year: 577.00M
YoY: -2.8%
Selling General and Administrative
12.59B
Prev Year: 12.24B
YoY: +2.8%
General and Administrative Expense
12.02B
Prev Year: 11.80B
YoY: +1.9%
Salaries and Wages
7.78B
Prev Year: 7.66B
YoY: +1.5%
Selling and Marketing Expense
564.00M
Prev Year: 441.00M
YoY: +27.9%
Other Noninterest Expense
1.43B
Prev Year: 1.94B
YoY: -26.2%
Special Income Charges
-935.00M
Prev Year: -1.97B
YoY: +52.6%
Non Interest Expense
-
Prev Year: 16.29B
Other Special Charges
955.00M
Prev Year: 1.97B
YoY: -51.4%
Pre-tax Income
16.23B
Prev Year: 15.40B
YoY: +5.3%
Income from Associates and Other Participating Interests
-
Prev Year: 40.00M
Provision for Income Taxes
5.10B
Prev Year: 4.83B
YoY: +5.6%
Net Income Common Stockholders
10.11B
Prev Year: 9.67B
YoY: +4.6%
Other Non-operating Income (expense)
-
Net Income
10.51B
Prev Year: 10.05B
YoY: +4.5%
Net Income Including Non-Controlling Interests
11.13B
Prev Year: 10.57B
YoY: +5.2%
Net Income from Continuing Operations
11.13B
Prev Year: 10.57B
YoY: +5.2%
Diluted NI Available to Com Stockholders
10.11B
Prev Year: 9.67B
YoY: +4.6%
Basic EPS
1.76
Prev Year: 1.68
YoY: +4.8%
Diluted EPS
1.76
Prev Year: 1.68
YoY: +4.8%
Weighted Average Shares (basic)
5.75B
Prev Year: 5.77B
YoY: -0.4%
Weighted Average Shares (diluted)
5.75B
Prev Year: 5.77B
YoY: -0.4%
Net Income from Continuing and Discontinued Operation
10.51B
Prev Year: 10.05B
YoY: +4.5%
Normalized Income
11.22B
Prev Year: 11.60B
YoY: -3.3%
Reconciled Depreciation
1.52B
Prev Year: 1.53B
YoY: -0.8%
Interest Income After Provision for Loan Loss
-
Prev Year: 19.66B
Net Income from Continuing Operation Net Minority Interest
10.51B
Prev Year: 10.05B
YoY: +4.5%
Rent Expense (supplemental)
-
Total Unusual Items Excluding Goodwill
-1.03B
Prev Year: -2.07B
YoY: +50.2%
Total Unusual Items
-1.03B
Prev Year: -2.07B
YoY: +50.2%
Tax Rate for Calcs
0.314
Prev Year: 0
Tax Effect of Unusual Items
-323.42M
Prev Year: -527.02M
YoY: +38.6%
Total Money Market Investments
-
Otherunder Preferred Stock Dividend
397.00M
Noncontrolling Interests
-615.00M
Prev Year: -521.00M
YoY: -18.0%
Gain on Sale of Business
36.00M
Prev Year: 14.00M
YoY: +157.1%
Write-offs
7.00M
Prev Year: 33.00M
YoY: -78.8%
Impairment of Capital Assets
9.00M
Prev Year: -14.00M
YoY: +164.3%
Depreciation Amortization Depletion
1.52B
Prev Year: 1.53B
YoY: -0.8%
Values in EUR

Banco Bilbao Vizcaya Argentaria key figures by fiscal year

FY2025FY2024FY2023FY2022FY2021
Revenue39.4B EUR39.2B EUR33.4B EUR28.1B EUR23.0B EUR
Net income10.1B EUR9.7B EUR7.7B EUR6.0B EUR4.3B EUR
Diluted EPS1.76 EUR1.68 EUR1.29 EUR0.98 EUR0.67 EUR
Total assets859.6B EUR772.4B EUR775.6B EUR712.1B EUR662.9B EUR
Total liabilities797.8B EUR712.4B EUR720.3B EUR661.6B EUR614.1B EUR
Shareholders' equity57.4B EUR55.7B EUR51.7B EUR46.9B EUR43.9B EUR
Cash69.9B EUR59.9B EUR82.6B EUR84.3B EUR74.6B EUR
Total debt89.3B EUR75.9B EUR74.2B EUR60.1B EUR61.7B EUR
Operating cash flow15.0B EUR-18.2B EUR-721.0M EUR23.7B EUR-1.2B EUR
Capital spending1.8B EUR2.0B EUR1.8B EUR2.4B EUR946.0M EUR
Free cash flow13.2B EUR-20.2B EUR-2.5B EUR21.3B EUR-2.2B EUR

In EUR. Fiscal years as reported by the company; statements on this page go back to fiscal year 2014.

Questions and answers

What was Banco Bilbao Vizcaya Argentaria's revenue in fiscal year 2025?

39.42 billion EUR, up 0.5% from 39.24 billion EUR in fiscal year 2024.

How much profit does Banco Bilbao Vizcaya Argentaria make?

Banco Bilbao Vizcaya Argentaria reported net income of 10.11 billion EUR for fiscal year 2025 (25.7% of revenue).

How much cash and debt does Banco Bilbao Vizcaya Argentaria have?

At the end of fiscal year 2025: cash of 69.89 billion EUR and total debt of 89.30 billion EUR.

What is Banco Bilbao Vizcaya Argentaria's free cash flow?

13.16 billion EUR in fiscal year 2025 (operating cash flow of 14.97 billion EUR minus capital spending of 1.81 billion EUR).

Disclaimer: This analysis is for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. Data may be incomplete, delayed, or contain inaccuracies. Consult with a qualified financial advisor before making any investment decisions.
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