Banco Bilbao Vizcaya Argentaria, S.A. BBVA NYSE

Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) generated $14.97B in operating cash flow for fiscal year 2025. After capital expenditures of $827M, free cash flow was $14.14B.

Free cash flow margin was 38.3% of revenue. Cash conversion ratio was 1.54x, indicating earnings are backed by cash.

The company returned $4.03B in dividends and $1.92B in share buybacks to shareholders during the period.

Criteria supported by this page:

• HEALTH (50/100, Partial) — cash generation is adequate but may not fully cover debt in stressed conditions
• MOAT (75/100, Pass) — $14.14B (38.3% FCF margin) supports a durable competitive advantage
• INCOME (85/100) — Cash conversion ratio was 1.54x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 72/100 with 5/7 criteria passed.