Banco Bilbao Vizcaya Argentaria, S.A. BBVXF OTC

Banco Bilbao Vizcaya Argentaria, S.A. (BBVXF) reported exceptional year-over-year revenue growth of +29.2% through 2025-12 (TTM revenue vs prior-year TTM). Net income showed solid earnings growth of +4.5% YoY, reaching $2.5B in the latest quarter. The net profit margin is 25.9%, which is exceptional. The company has maintained profitability in all 4 quarters. The gross margin is 78.1% (high), down 9.7pp vs the prior year. With a $131B market cap, MOAT composite score of 75/100 (strong competitive position).

Criteria proven by this page:

• GROWTH (63/100, Partial) — growth is present but not consistently above 5% across both metrics
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 37-year annual history, the company was profitable in 37 of 37 years — a perfect long-term track record
• INCOME (100/100, Pass) — proves strong profitability and pricing power
• MOAT (75/100, Pass) — strong gross margins and market scale prove a durable competitive advantage

Overall SharesGrow Score: 75/100 with 5/7 criteria passed.