BBVA
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Price to Earnings | 5.79 | 7.06 | 6.13 | 8.76 |
| Price to Sales | 1.43 | 1.62 | 1.33 | 1.63 |
| Book Value Per Common Share | 9.67 | 8.86 | 7.78 | 6.71 |
| Price to Book | 1.01 | 1.03 | 0.77 | 0.87 |
| Price to Operating Cash Flow | -3.08 | -75.23 | 1.57 | -30.26 |
| Price to Free Cash Flow | -2.78 | -21.35 | 1.75 | -17.17 |
| Enterprise Value to EBITDA |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Price to Earnings | 45.83 | 33.41 | 30.27 | 24.30 | 24.64 |
| Price to Sales | 11.86 | 10.55 | 8.40 | 6.34 | 6.94 |
| Book Value Per Common Share | 10.02 | 9.87 | 9.57 | 9.67 | 9.19 |
| Price to Book | 1.92 | 1.56 | 1.42 | 1.01 | 1.18 |
| Price to Operating Cash Flow | 6.76 | 498.90 | |||
| Price to Free Cash Flow | 6.93 | -517.87 | |||
| Enterprise Value to EBITDA |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Earning YoY | 30.23 | 31.63 | 46.27 | |
| Revenue YoY | 17.38 | 19.11 | 22.04 | |
| EBITDA YoY | ||||
| Net Profit YoY | 25.94 | 26.96 | 40.81 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Earning YoY | -8.70 | 2.22 | 12.50 | -9.09 | |
| Revenue YoY | 12.26 | -6.59 | 0.04 | 0.00 | |
| EBITDA YoY | |||||
| Net Profit YoY | -7.93 | 5.81 | 6.78 | -7.38 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Cash Per Common Share | ||||
| Quick Ratio | ||||
| Current Ratio | ||||
| Debt to Equity | 11.87 | 13.03 | 13.10 | 12.59 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Cash Per Common Share | |||||
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 12.15 | 11.76 | 12.04 | 11.87 | 12.55 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| ROA | 1.25 | 0.99 | 0.85 | 0.65 |
| ROE | 16.11 | 13.89 | 11.97 | 8.80 |
| Gross Margin | ||||
| Operating Margin | ||||
| EBITDA Margin | ||||
| Net Profit Margin | 24.64 | 22.96 | 21.54 | 18.67 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| ROA | 0.31 | 0.35 | 0.34 | 0.32 | 0.34 |
| ROE | 4.09 | 4.51 | 4.38 | 4.05 | 4.63 |
| Gross Margin | |||||
| Operating Margin | |||||
| EBITDA Margin | |||||
| Net Profit Margin | 25.88 | 31.56 | 27.86 | 26.11 | 28.19 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Dividend Yield | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Payout Ratio | 40.48 | 36.59 | 36.15 | 21.57 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Dividend Yield | |||||
| Dividend Payout Ratio |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | 772,402,000.00 | 775,558,000.00 | 712,092,000.00 | 662,885,000.00 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 59,881,000.00 | 82,609,000.00 | 84,250,000.00 | 74,562,000.00 |
| Short-Term Investments | 58,977,000.00 | 62,180,000.00 | 65,348,000.00 | 60,394,000.00 |
| Net Receivables | 47,975,000.00 | 38,787,000.00 | 37,997,000.00 | 29,097,000.00 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 9,506,000.00 | 9,047,000.00 | 8,442,000.00 | 7,108,000.00 |
| Goodwill | 700,000.00 | 795,000.00 | 707,000.00 | 818,000.00 |
| Intangible Assets | 1,790,000.00 | 1,568,000.00 | 1,449,000.00 | 1,379,000.00 |
| Long-Term Investments | 164,720,000.00 | 155,178,000.00 | 139,227,000.00 | 143,400,000.00 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 |
| Liabilities | 712,389,000.00 | 720,293,000.00 | 661,574,000.00 | 614,125,000.00 |
| Payables and Expenses | 19,927,000.00 | 17,295,000.00 | 16,693,000.00 | 15,404,000.00 |
| Account Payables | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 3,066,000.00 | 2,878,000.00 | 2,595,000.00 | 2,137,000.00 |
| Short-Term Debt | 175,000.00 | 236,000.00 | 142,000.00 | 218,000.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 |
| Long-Term Debt | 75,755,000.00 | 74,192,000.00 | 60,116,000.00 | 61,719,000.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 |
| Equity | 60,013,000.00 | 55,265,000.00 | 50,518,000.00 | 48,760,000.00 |
| Shareholders Equity | 55,654,000.00 | 51,701,000.00 | 46,895,000.00 | 43,907,000.00 |
| Capital Stock | 2,824,000.00 | 2,861,000.00 | 2,955,000.00 | 3,267,000.00 |
| Share Premium | 19,184,000.00 | 19,769,000.00 | 20,856,000.00 | 23,599,000.00 |
| Retained Earnings | 50,747,000.00 | 44,256,000.00 | 39,069,000.00 | 36,494,000.00 |
| Treasury Shares | 66,000.00 | 34,000.00 | 29,000.00 | 647,000.00 |
| Accumulated Other Comprehensive Income | -17,075,000.00 | -15,191,000.00 | -16,019,000.00 | -18,866,000.00 |
| Minority Interest | 4,359,000.00 | 3,564,000.00 | 3,623,000.00 | 4,853,000.00 |
| Debt | 75,930,000.00 | 74,192,000.00 | 60,116,000.00 | 61,719,000.00 |
| Net Debt | 14,582,000.00 | 0 | 0 | 0 |
| Common Shares Outstanding | 5,756,618.61 | 5,837,940.38 | 6,024,631.15 | 6,540,253.18 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenues | 39,235,000.00 | 33,427,000.00 | 28,065,000.00 | 22,996,000.00 |
| Interest Income | 61,660,000.00 | 47,850,000.00 | 31,432,000.00 | 23,014,000.00 |
| Interest Expense | 36,394,000.00 | 24,760,000.00 | 12,308,000.00 | 8,328,000.00 |
| Non-Interest Expense | 14,760,000.00 | 12,915,000.00 | 10,986,000.00 | 10,475,000.00 |
| Selling, General and Administrative Expenses | 12,240,000.00 | 10,982,000.00 | 9,472,000.00 | 8,459,000.00 |
| EBT | 15,405,000.00 | 12,419,000.00 | 10,268,000.00 | 7,247,000.00 |
| Income Tax | 4,830,000.00 | 4,003,000.00 | 3,505,000.00 | 1,909,000.00 |
| Net Income Including Non-Controlling Interests | 10,575,000.00 | 8,416,000.00 | 6,763,000.00 | 5,618,000.00 |
| Net Income Non-Controlling Interests | -521,000.00 | -397,000.00 | -405,000.00 | -965,000.00 |
| Net Income | 9,666,000.00 | 7,675,000.00 | 6,045,000.00 | 4,293,000.00 |
| Deprecation and Amortization | 1,533,000.00 | 1,403,000.00 | 1,328,000.00 | 1,234,000.00 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 5,769,000.00 | 5,954,000.00 | 6,189,000.00 | 6,401,000.00 |
| Average Shares Outstanding Diluted | 5,769,000.00 | 5,954,000.00 | 6,189,000.00 | 6,401,000.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | -18,190,000.00 | -721,000.00 | 23,718,000.00 | -1,242,000.00 |
| Operating Net Income | 10,575,000.00 | 8,416,000.00 | 6,763,000.00 | 5,618,000.00 |
| Deprecation and Amortization | 1,533,000.00 | 1,403,000.00 | 1,328,000.00 | 1,234,000.00 |
| Deferred Income Tax | 0 | 0 | 0 | 0 |
| Share Based Compensation | 0 | 0 | 0 | 0 |
| Change in Working Capital | -37,951,000.00 | -15,935,000.00 | 8,444,000.00 | -13,002,000.00 |
| Other Operating Activities | 7,653,000.00 | 5,395,000.00 | 7,183,000.00 | 4,908,000.00 |
| Investing Cash Flow | -1,423,000.00 | -1,419,000.00 | -3,911,000.00 | -1,634,000.00 |
| Capital Expenditure | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | -1,091,000.00 | -1,037,000.00 | -1,783,000.00 | -318,000.00 |
| Net Purchase/Sale of Investments Net | 31,000.00 | -35,000.00 | 46,000.00 | 30,000.00 |
| Net Purchase/Sale of Business | 45,000.00 | 21,000.00 | -1,389,000.00 | 10,000.00 |
| Other Investing Activities | -408,000.00 | -368,000.00 | -785,000.00 | -1,356,000.00 |
| Financing Cash Flow | -2,567,000.00 | -1,842,000.00 | -7,563,000.00 | -4,349,000.00 |
| Net Issuance/Repayment of Debt | 2,915,000.00 | 3,043,000.00 | -2,258,000.00 | -2,301,000.00 |
| Net Issuance/Repurchase of Equity | -838,000.00 | -1,455,000.00 | -2,549,000.00 | -584,000.00 |
| Dividends Paid | -3,913,000.00 | -2,808,000.00 | -2,185,000.00 | -926,000.00 |
| Other Financing Activities | -731,000.00 | -622,000.00 | -571,000.00 | -538,000.00 |
| Net Change in Cash | -22,180,000.00 | -3,982,000.00 | 12,244,000.00 | -7,225,000.00 |
| Cash at Beginning of Period | 75,416,000.00 | 79,756,000.00 | 67,799,000.00 | 76,888,000.00 |
| Cash at End of Period | 51,145,000.00 | 75,416,000.00 | 79,756,000.00 | 67,799,000.00 |
| Free Cash Flow | -20,201,000.00 | -2,540,000.00 | 21,276,000.00 | -2,188,000.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|---|---|
| Assets | 813,063,000.00 | 776,974,000.00 | 772,863,000.00 | 772,402,000.00 | 769,341,000.00 | 0 |
| Cash and Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash and Cash Equivalents | 66,001,000.00 | 73,092,000.00 | 82,603,000.00 | 59,881,000.00 | 90,203,000.00 | 0 |
| Short-Term Investments | 59,114,000.00 | 58,182,000.00 | 59,718,000.00 | 58,977,000.00 | 59,961,000.00 | 0 |
| Net Receivables | 5,668,000.00 | 0 | 5,239,000.00 | 47,975,000.00 | 0 | 41,162,000.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 9,015,000.00 | 9,213,000.00 | 9,530,000.00 | 9,506,000.00 | 9,351,000.00 | 0 |
| Goodwill | 699,000.00 | 0 | 689,000.00 | 700,000.00 | 0 | 760,000.00 |
| Intangible Assets | 1,968,000.00 | 0 | 1,803,000.00 | 1,790,000.00 | 0 | 1,620,000.00 |
| Long-Term Investments | 176,786,000.00 | 241,320,000.00 | 236,886,000.00 | 164,720,000.00 | 256,429,000.00 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 751,255,000.00 | 716,087,000.00 | 713,599,000.00 | 712,389,000.00 | 712,569,000.00 | 0 |
| Payables and Expenses | 23,110,000.00 | 0 | 21,720,000.00 | 19,927,000.00 | 0 | 18,374,000.00 |
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 3,503,000.00 | 0 | 2,583,000.00 | 3,066,000.00 | 0 | 2,840,000.00 |
| Short-Term Debt | 0 | 0 | 0 | 175,000.00 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 84,097,000.00 | 71,802,000.00 | 71,987,000.00 | 75,755,000.00 | 67,325,000.00 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity | 61,808,000.00 | 60,887,000.00 | 59,264,000.00 | 60,013,000.00 | 56,772,000.00 | 0 |
| Shareholders Equity | 57,643,000.00 | 56,828,000.00 | 55,077,000.00 | 55,654,000.00 | 52,889,000.00 | 0 |
| Capital Stock | 2,824,000.00 | 75,724,000.00 | 73,025,000.00 | 2,824,000.00 | 70,536,000.00 | 0 |
| Share Premium | 19,184,000.00 | 0 | 19,184,000.00 | 19,184,000.00 | 0 | 19,184,000.00 |
| Retained Earnings | 54,407,000.00 | 0 | 49,280,000.00 | 50,747,000.00 | 0 | 45,889,000.00 |
| Treasury Shares | 93,000.00 | 0 | 135,000.00 | 66,000.00 | 0 | 106,000.00 |
| Accumulated Other Comprehensive Income | -18,713,000.00 | -18,896,000.00 | -17,948,000.00 | -17,075,000.00 | -17,647,000.00 | 0 |
| Minority Interest | 4,165,000.00 | 4,059,000.00 | 4,187,000.00 | 4,359,000.00 | 3,883,000.00 | 0 |
| Debt | 84,097,000.00 | 71,802,000.00 | 71,987,000.00 | 75,930,000.00 | 67,325,000.00 | 0 |
| Net Debt | 16,666,000.00 | 0 | 16,392,000.00 | 14,582,000.00 | 0 | 20,263,000.00 |
| Common Shares Outstanding | 5,755,285.46 | 5,756,618.61 | 5,756,618.61 | 5,756,618.61 | 5,752,285.46 | 0 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Revenues | 9,778,000.00 | 8,710,000.00 | 9,324,000.00 | 9,320,000.00 | 9,320,000.00 |
| Interest Income | 14,763,000.00 | 6,208,000.00 | 6,398,000.00 | 6,406,000.00 | 14,476,000.00 |
| Interest Expense | 8,123,000.00 | 0 | 8,322,000.00 | 0 | 0 |
| Non-Interest Expense | 0 | 0 | 3,377,000.00 | 0 | 0 |
| Selling, General and Administrative Expenses | 3,194,000.00 | 2,854,000.00 | 3,184,000.00 | 3,596,000.00 | 2,964,000.00 |
| EBT | 3,868,000.00 | 4,076,000.00 | 4,348,000.00 | 3,759,000.00 | 3,867,000.00 |
| Income Tax | 1,206,000.00 | 1,160,000.00 | 1,466,000.00 | 1,171,000.00 | 1,135,000.00 |
| Net Income Including Non-Controlling Interests | 2,662,000.00 | 2,916,000.00 | 2,882,000.00 | 2,588,000.00 | 2,732,000.00 |
| Net Income Non-Controlling Interests | -132,000.00 | -167,000.00 | -184,000.00 | -155,000.00 | -105,000.00 |
| Net Income | 2,531,000.00 | 2,749,000.00 | 2,598,000.00 | 2,433,000.00 | 2,627,000.00 |
| Deprecation and Amortization | 379,000.00 | 370,000.00 | 378,000.00 | 408,000.00 | 366,000.00 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Diluted EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Average Shares Outstanding Basic | 6,026,190.48 | 5,976,086.96 | 5,752,000.00 | 6,082,500.00 | 5,970,454.54 |
| Average Shares Outstanding Diluted | 6,026,190.48 | 5,976,086.96 | 5,752,000.00 | 6,082,500.00 | 5,970,454.54 |
| Breakdown | 2025-09-30 | 2025-03-31 | 2024-06-30 | 2024-03-31 |
|---|---|---|---|---|
| Operating Cash Flow | 17,170,000.00 | 157,000.00 | -26,905,000.00 | -193,000.00 |
| Operating Net Income | 2,663,000.00 | 2,882,000.00 | 2,948,000.00 | 2,307,000.00 |
| Deprecation and Amortization | 379,000.00 | 378,000.00 | 384,000.00 | 375,000.00 |
| Deferred Income Tax | 0 | 0 | 0 | 0 |
| Share Based Compensation | 0 | 0 | 0 | 0 |
| Change in Working Capital | 13,483,000.00 | -7,491,000.00 | -33,961,000.00 | -3,582,000.00 |
| Other Operating Activities | 645,000.00 | 4,388,000.00 | 3,724,000.00 | 707,000.00 |
| Investing Cash Flow | -379,000.00 | -274,000.00 | -354,000.00 | -374,000.00 |
| Capital Expenditure | 0 | 0 | 0 | 0 |
| Net Purchase/Sale of PPE | -191,000.00 | -131,000.00 | -271,000.00 | -281,000.00 |
| Net Purchase/Sale of Investments Net | 3,000.00 | 12,000.00 | 14,000.00 | 6,000.00 |
| Net Purchase/Sale of Business | 0 | 0 | -8,000.00 | 0 |
| Other Investing Activities | -191,000.00 | -155,000.00 | -89,000.00 | -99,000.00 |
| Financing Cash Flow | 278,000.00 | 491,000.00 | -3,162,000.00 | 1,139,000.00 |
| Net Issuance/Repayment of Debt | 335,000.00 | 771,000.00 | -330,000.00 | 1,965,000.00 |
| Net Issuance/Repurchase of Equity | 2,000.00 | -103,000.00 | -171,000.00 | -705,000.00 |
| Dividends Paid | 0 | 0 | -2,245,000.00 | 0 |
| Other Financing Activities | -59,000.00 | -177,000.00 | -416,000.00 | -121,000.00 |
| Net Change in Cash | 17,069,000.00 | 374,000.00 | -30,421,000.00 | 572,000.00 |
| Cash at Beginning of Period | 40,017,000.00 | 51,145,000.00 | 76,524,000.00 | 75,416,000.00 |
| Cash at End of Period | 57,125,000.00 | 50,406,000.00 | 45,055,000.00 | 76,524,000.00 |
| Free Cash Flow | 16,751,000.00 | -151,000.00 | -27,387,000.00 | -600,000.00 |