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BBVA's earnings combine net interest income from lending with fees and markets activity across multiple geographies, supported by a large deposit base. Its multi-year record shows earnings growth alongside dividends and repeated share repurchases, while operating costs and credit provisions remain meaningful charges.
The latest results continue the pattern of rising net interest income, but quarterly net income edged down as provisions and operating costs increased. That points to cost and credit charges tempering current earnings momentum, rather than a demonstrated change in the underlying banking model.
Whether recurring revenue growth continues to outpace operating expenses and loan-loss provisions.
| Metric | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 17.1B | 17.8B | 17.6B | 15.8B | 14.6B | 14.7B | 19.1B | 23.1B | 25.3B | 26.3B | |
| 27.7B | 29.3B | 29.8B | 27.8B | 22.4B | 23B | 31.4B | 47.9B | 61.7B | 58.3B | |
| 10.6B | 11.5B | 12.2B | 12B | 7.8B | 8.3B | 12.3B | 24.8B | 36.4B | 32.1B | |
| 14.4B | 14.5B | 12.4B | 11.9B | 10.7B | 12.6B | 13.6B | 15.9B | 21.5B | 21.4B | |
| 31.5B | 32.3B | 30B | 27.6B | 25.2B | 27.2B | 32.7B | 39B | 46.7B | 47.7B | |
| (3.6B) | (3.7B) | (4B) | (3.5B) | (5.2B) | (3B) | (3.3B) | (4.4B) | (5.7B) | (6.1B) | |
| (21.5B) | (21.7B) | (17.6B) | (17.1B) | (14.8B) | (17B) | (19.2B) | (22.2B) | (25.6B) | (25.4B) | |
| 6.4B | 6.9B | 8.4B | 7B | 5.2B | 7.2B | 10.3B | 12.4B | 15.4B | 16.2B | |
| (1.7B) | (2.2B) | (2.2B) | (1.9B) | (1.5B) | (1.9B) | (3.5B) | (4B) | (4.8B) | (5.1B) | |
| 4.7B | 4.8B | 6.2B | 5.1B | 3.8B | 5.3B | 6.8B | 8.4B | 10.6B | 11.1B | |
| (1.2B) | (1.2B) | (827m) | (833m) | (755m) | (965m) | (405m) | (397m) | (521m) | (615m) | |
| 3.2B | 3.2B | 5.4B | 3.5B | 1.3B | 4.3B | 6B | 7.7B | 9.7B | 10.1B | |
| 0.49 | 0.48 | 0.81 | 0.52 | 0.19 | 0.67 | 0.98 | 1.29 | 1.68 | 1.76 |
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Stock intrinsic value is the real worth of a company's stock, based on its financial health and performance.
Instead of looking at the stock's current market price, which can change due to people's opinions and emotions, intrinsic value helps us understand if a stock is truly a good deal or not.
By focusing on the company's actual financial strength, like its earnings and debts, we can make better decisions about which stocks to buy and when.
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