Banco Bilbao Vizcaya Argentaria (BBVA) Reports 2025 Profits Driven by Double-Digit Loan Growth, Customer Expansion

Banco Bilbao Vizcaya Argentaria (NYSE:BBVA) is one of the most undervalued stocks under $30 to buy. On February 5, Banco Bilbao Vizcaya Argentaria announced results for the full-year 2025, reporting a record net attributable profit of €10.5 billion, which was a 4.5% increase over the previous year. This performance was underpinned by a 16.2% growth in its loan portfolio and the acquisition of 11.5 million new customers.

Regionally, Spain and Mexico remained the primary profit engines, contributing €4.1 billion and €1.4 billion in Q4, respectively. Despite high inflation and regulatory hurdles in markets like Turkey, Banco Bilbao Vizcaya Argentaria managed to improve its efficiency ratio to 38.8% and lower its overall cost of risk to 139 basis points, reflecting a disciplined approach to credit management.

Looking toward 2026, Banco Bilbao Vizcaya Argentaria (NYSE:BBVA) aims to maintain a cost-to-income ratio below 40%, even as it continues to invest in growth franchises and AI. The bank’s mid-term strategic plan remains ambitious, targeting a total of €48 billion in profits and €36 billion in capital distributions as it leverages technology to drive long-term efficiency savings.

Banco Bilbao Vizcaya Argentaria (NYSE:BBVA), together with its subsidiaries, provides various financial services in Spain, Mexico, Turkey, South America, Europe, the US, and Asia. The company offers traditional retail, wholesale, investment, and transaction banking.

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