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BBVA vs SAN
Which Stock Would AI Choose? Banco Bilbao Vizcaya Argentaria (BBVA) vs. Banco Santander (SAN) Stock Comparison
Key Takeaways
- BBVA and SAN are both leading Spanish diversified banks with significant exposure to Europe and Latin America.
- Over the past year, BBVA has delivered stronger total returns compared to SAN, though SAN shows higher year-to-date gains in recent market activity.
- SAN has actively pursued share buyback programs and is scheduled to report first-half 2026 results on July 22, 2026, drawing analyst attention.
- Both stocks operate in the same sector and face similar macroeconomic influences, including interest rate trends and regional economic conditions.
- Longer-term annualized returns favor BBVA over a 10-year horizon relative to SAN.
- Analyst sentiment remains predominantly positive for both, with multiple buy ratings and upward price target revisions in recent weeks.
Introduction
Banco Bilbao Vizcaya Argentaria (BBVA) and Banco Santander (SAN) are two prominent European banking institutions headquartered in Spain. Investors and traders often compare these stocks due to their overlapping geographic footprints, similar business models, and sensitivity to broader financial sector dynamics. This analysis appeals to those evaluating relative positioning within the banking industry, assessing momentum shifts, or constructing diversified portfolios focused on international financial services exposure.
BBVA Overview and Recent Performance
Banco Bilbao Vizcaya Argentaria (BBVA) operates as a diversified financial services group with core activities in retail and wholesale banking, asset management, and insurance across Spain, Mexico, Turkey, and other markets. In recent market activity, the stock has exhibited resilience amid sector-wide movements, contributing to year-to-date returns around 11% and one-year gains exceeding 70% in available data. Performance has been supported by steady operational execution and favorable positioning in key growth regions, though it has trailed some peers in shorter-term momentum measures.
SAN Overview and Recent Performance
Banco Santander (SAN) functions as a global diversified bank with a broad retail and commercial banking presence, particularly in Spain, Brazil, the United Kingdom, and other Latin American countries. Recent market activity shows the stock achieving year-to-date returns near 17% and one-year returns around 63%, bolstered by ongoing share repurchase initiatives and anticipation surrounding its first-half 2026 earnings release scheduled for July 22, 2026. Multiple analyst firms have maintained buy ratings with several price target increases noted in recent weeks.
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Head-to-Head Comparison
Both BBVA and SAN maintain diversified banking models with substantial retail operations and international diversification, exposing them to comparable regulatory, interest rate, and geopolitical risks. SAN has emphasized capital return programs through buybacks in recent periods, while BBVA has shown relatively stronger cumulative returns over extended timeframes such as three- and ten-year horizons. Short-term momentum favors SAN on a year-to-date basis amid earnings anticipation, whereas longer-term stability metrics tilt toward BBVA. Sector sentiment remains constructive for both, supported by analyst coverage, though trade-offs exist between SAN’s near-term catalysts and BBVA’s historical outperformance profile.
Tickeron AI Verdict
Based on observable factors including trend consistency over multiple periods, relative positioning in longer-term returns, and sector catalysts, Tickeron’s AI would currently assign a probabilistic preference toward BBVA for investors prioritizing sustained performance metrics, while noting SAN’s potential edge in nearer-term momentum and capital distribution activity. Outcomes remain subject to evolving market conditions and earnings developments.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BBVA is a StrongBuy and SAN is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BBVA’s FA Score shows that 3 FA rating(s) are green whileSAN’s FA Score has 3 green FA rating(s).
- BBVA’s FA Score: 3 green, 2 red.
- SAN’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BBVA’s TA Score shows that 4 TA indicator(s) are bullish while SAN’s TA Score has 4 bullish TA indicator(s).
- BBVA’s TA Score: 4 bullish, 4 bearish.
- SAN’s TA Score: 4 bullish, 4 bearish.
Price Growth
BBVA (@Major Banks) experienced а +1.96% price change this week, while SAN (@Major Banks) price change was +3.83% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +0.70%. For the same industry, the average monthly price growth was +4.80%, and the average quarterly price growth was +17.46%.
Reported Earning Dates
BBVA is expected to report earnings on Oct 29, 2026.
SAN is expected to report earnings on Oct 28, 2026.
Industries' Descriptions
@Major Banks (+0.70% weekly)Major banks are among the biggest companies in the world, often times with global reach and market capitalizations in the multi-billions. Large banks often have multiple arms spanning different disciplines, from deposits, to investment banking, to wealth management and insurance. The biggest banks often have key competitive advantages over smaller players in the industry in terms of brand recognition, cost of capital, and efficiency. Think J.P. Morgan, Bank of America, Wells Fargo, and Citigroup.
| BBVA | SAN | BBVA / SAN | |
| Capitalization | 156B | 212B | 74% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 24.491 | 26.422 | 93% |
| P/E Ratio | 12.91 | 14.37 | 90% |
| Revenue | 42.5B | 61.9B | 69% |
| Total Cash | N/A | N/A | - |
| Total Debt | 106B | 348B | 30% |
BBVA | SAN | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 85 | 38 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 41 Fair valued | 77 Overvalued | |
PROFIT vs RISK RATING 1..100 | 4 | 4 | |
SMR RATING 1..100 | 4 | 4 | |
PRICE GROWTH RATING 1..100 | 39 | 40 | |
P/E GROWTH RATING 1..100 | 17 | 15 | |
SEASONALITY SCORE 1..100 | 50 | 75 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
BBVA's Valuation (41) in the Major Banks industry is somewhat better than the same rating for SAN (77). This means that BBVA’s stock grew somewhat faster than SAN’s over the last 12 months.
BBVA's Profit vs Risk Rating (4) in the Major Banks industry is in the same range as SAN (4). This means that BBVA’s stock grew similarly to SAN’s over the last 12 months.
BBVA's SMR Rating (4) in the Major Banks industry is in the same range as SAN (4). This means that BBVA’s stock grew similarly to SAN’s over the last 12 months.
BBVA's Price Growth Rating (39) in the Major Banks industry is in the same range as SAN (40). This means that BBVA’s stock grew similarly to SAN’s over the last 12 months.
SAN's P/E Growth Rating (15) in the Major Banks industry is in the same range as BBVA (17). This means that SAN’s stock grew similarly to BBVA’s over the last 12 months.
| BBVA | SAN | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 55% | 1 day ago 51% |
| Stochastic ODDS (%) | 1 day ago 50% | 1 day ago 50% |
| Momentum ODDS (%) | 1 day ago 80% | 1 day ago 70% |
| MACD ODDS (%) | 1 day ago 79% | 1 day ago 71% |
| TrendWeek ODDS (%) | 1 day ago 75% | 1 day ago 74% |
| TrendMonth ODDS (%) | 1 day ago 74% | 1 day ago 73% |
| Advances ODDS (%) | 5 days ago 74% | 1 day ago 73% |
| Declines ODDS (%) | 3 days ago 50% | 10 days ago 53% |
| BollingerBands ODDS (%) | 1 day ago 55% | 1 day ago 50% |
| Aroon ODDS (%) | 1 day ago 71% | 1 day ago 74% |
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SAN and
Correlation & Price change
A.I.dvisor indicates that over the last year, SAN has been closely correlated with BBVA. These tickers have moved in lockstep 77% of the time. This A.I.-generated data suggests there is a high statistical probability that if SAN jumps, then BBVA could also see price increases.
| Ticker / NAME | Correlation To SAN | 1D Price Change % | ||
|---|---|---|---|---|
| SAN | 100% | +0.07% | ||
| BBVA - SAN | 77% Closely correlated | +0.25% | ||
| ING - SAN | 76% Closely correlated | -0.58% | ||
| HSBC - SAN | 73% Closely correlated | -0.12% | ||
| BCS - SAN | 72% Closely correlated | -0.98% | ||
| UBS - SAN | 62% Loosely correlated | -1.36% | ||
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