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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 demonstrates superior profitability with a return on equity (ROE) of 18.27% compared to SAN's 12.69%.
- BBVA offers a higher dividend yield at 4.93% versus SAN's 2.34%, appealing to income-focused investors.
- Both banks reported robust Q1 2025 profits: BBVA at €2.7 billion (up 23% YoY) and SAN at €3.4 billion (up 19% YoY).
- BBVA trades at a lower price-to-earnings (P/E) ratio of 10.62 versus SAN's 12.22, suggesting better relative valuation.
- SAN holds a larger market capitalization of $172 billion compared to BBVA's $122 billion, reflecting greater scale.
- Year-to-date performance favors BBVA slightly at 2.63% over SAN's 1.35%, amid resilient banking sector trends.
Introduction
Banco Bilbao Vizcaya Argentaria (BBVA) and Banco Santander (SAN) are two of Spain's largest banks, dominating the European banking landscape with extensive international footprints. This comparison is particularly relevant for investors seeking exposure to the financial sector amid fluctuating interest rates and economic recovery signals. Traders monitoring relative performance may find value in their contrasting growth drivers, valuation metrics, and market sentiment shifts in recent market activity. Both stocks have shown resilience, offering insights into sector trends and potential portfolio diversification opportunities.
BBVA Overview and Recent Performance
Banco Bilbao Vizcaya Argentaria (BBVA) is a multinational bank with core operations in Spain, Mexico, and Turkey, emphasizing retail banking, corporate services, and digital innovation. In recent weeks, BBVA shares have traded around $22, reflecting steady momentum with a year-to-date gain of 2.63%. The bank's Q1 2025 net attributable profit surged 23% year-over-year to €2.7 billion, driven by robust net interest income (NII) and controlled credit provisions. Positive sentiment stems from strong performances in high-growth markets like Mexico and resilient domestic activity in Spain, bolstering investor confidence despite broader sector volatility.
SAN Overview and Recent Performance
Banco Santander (SAN) operates as a global universal bank with significant presence in Europe, Latin America, and the UK, focusing on consumer finance, commercial banking, and wealth management. Recently, SAN shares have hovered near $12, posting a year-to-date return of 1.35%. Q1 2025 attributable profit rose 19% to €3.4 billion, supported by diversified revenue streams and efficiency gains, though offset by provisions for legacy issues like mis-sold car loans. Market sentiment reflects caution on regulatory risks but optimism from record revenues and geographic diversity.
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Head-to-Head Comparison
Both BBVA and SAN operate universal banking models, but BBVA leans on emerging markets like Mexico for growth, while SAN benefits from broader diversification across Brazil and the UK. Recent momentum is comparable, with one-year returns around 60-64%, though BBVA edges in ROE and dividend appeal. Risk factors include interest rate sensitivity and geopolitical exposures, with SAN facing higher regulatory scrutiny. Sector exposure favors Latin America for both, but market sentiment tilts toward BBVA's valuation discipline over SAN's scale advantages.
Tickeron AI Verdict
Tickeron’s AI currently favors BBVA over SAN, based on stronger trend consistency via higher ROE, attractive dividend yield, and lower P/E ratio amid stable catalysts like Q1 earnings beats. While SAN offers scale, BBVA's relative positioning suggests higher probability of outperformance in the near term.
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. Disclaimers and Limitations
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 Hold 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 4 FA rating(s) are green whileSAN’s FA Score has 3 green FA rating(s).
- BBVA’s FA Score: 4 green, 1 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 3 TA indicator(s) are bullish while SAN’s TA Score has 3 bullish TA indicator(s).
- BBVA’s TA Score: 3 bullish, 5 bearish.
- SAN’s TA Score: 3 bullish, 4 bearish.
Price Growth
BBVA (@Major Banks) experienced а -5.00% price change this week, while SAN (@Major Banks) price change was -2.64% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +1.30%. For the same industry, the average monthly price growth was +2.62%, and the average quarterly price growth was +16.04%.
Reported Earning Dates
BBVA is expected to report earnings on Jul 30, 2026.
SAN is expected to report earnings on Jul 22, 2026.
Industries' Descriptions
@Major Banks (+1.30% 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 | 125B | 178B | 70% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -1.699 | 4.848 | -35% |
| P/E Ratio | 10.52 | 11.84 | 89% |
| Revenue | 40.7B | 60.5B | 67% |
| Total Cash | N/A | N/A | - |
| Total Debt | 87.6B | N/A | - |
BBVA | SAN | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 12 | 12 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 24 Undervalued | 68 Overvalued | |
PROFIT vs RISK RATING 1..100 | 9 | 8 | |
SMR RATING 1..100 | 4 | 4 | |
PRICE GROWTH RATING 1..100 | 43 | 43 | |
P/E GROWTH RATING 1..100 | 22 | 23 | |
SEASONALITY SCORE 1..100 | 65 | 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 (24) in the Major Banks industry is somewhat better than the same rating for SAN (68). This means that BBVA’s stock grew somewhat faster than SAN’s over the last 12 months.
SAN's Profit vs Risk Rating (8) in the Major Banks industry is in the same range as BBVA (9). This means that SAN’s stock grew similarly to BBVA’s over the last 12 months.
SAN's SMR Rating (4) in the Major Banks industry is in the same range as BBVA (4). This means that SAN’s stock grew similarly to BBVA’s over the last 12 months.
SAN's Price Growth Rating (43) in the Major Banks industry is in the same range as BBVA (43). This means that SAN’s stock grew similarly to BBVA’s over the last 12 months.
BBVA's P/E Growth Rating (22) in the Major Banks industry is in the same range as SAN (23). This means that BBVA’s stock grew similarly to SAN’s over the last 12 months.
| BBVA | SAN | |
|---|---|---|
| RSI ODDS (%) | N/A | N/A |
| Stochastic ODDS (%) | 2 days ago 58% | 2 days ago 45% |
| Momentum ODDS (%) | 2 days ago 62% | 2 days ago 51% |
| MACD ODDS (%) | 2 days ago 58% | 2 days ago 56% |
| TrendWeek ODDS (%) | 2 days ago 52% | 2 days ago 54% |
| TrendMonth ODDS (%) | 2 days ago 73% | 2 days ago 71% |
| Advances ODDS (%) | 11 days ago 72% | 11 days ago 72% |
| Declines ODDS (%) | 16 days ago 52% | 16 days ago 56% |
| BollingerBands ODDS (%) | 2 days ago 45% | N/A |
| Aroon ODDS (%) | 2 days ago 69% | 2 days ago 71% |
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BBVA and
Correlation & Price change
A.I.dvisor indicates that over the last year, BBVA has been closely correlated with SAN. These tickers have moved in lockstep 78% of the time. This A.I.-generated data suggests there is a high statistical probability that if BBVA jumps, then SAN could also see price increases.
| Ticker / NAME | Correlation To BBVA | 1D Price Change % | ||
|---|---|---|---|---|
| BBVA | 100% | -2.67% | ||
| SAN - BBVA | 78% Closely correlated | -2.57% | ||
| ING - BBVA | 69% Closely correlated | -3.20% | ||
| BCS - BBVA | 66% Closely correlated | -2.96% | ||
| HSBC - BBVA | 61% Loosely correlated | -1.97% | ||
| NWG - BBVA | 58% Loosely correlated | -2.47% | ||
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