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Banco Bilbao Viscaya Argentaria SA ADR (BBVA) — Quality & forensics

As of 2026-11-10 — refreshed nightly. Closelooknet readings from an investment research diary, not ratings or advice.

The Closelooknet module scores

51 /100 composite · 7 modules · general weight set

Scores are computed nightly across the coverage universe and read relative to it — the methodology lives in the company-scoring explainer.

Financial forensics — the academic screens

-0.19 Altman Z-Score

Sits in the distress zone (below 1.81). The Z-Score estimates financial-distress risk from five balance-sheet and earnings ratios.

5/9 Piotroski F-Score

Nine binary fundamental-strength checks across profitability, leverage and operating efficiency.

8.81 Beneish M-Score

Screens reported earnings for statistical manipulation patterns — above the −1.78 threshold the literature flags for earnings-manipulation risk. A screen, not an accusation.

Continue: the BBVA chart & overview · the earnings record

FAQ · from the current data · as of 2026-11-10

Quick answers

What is Banco Bilbao Viscaya Argentaria SA ADR's Closelooknet quality reading?

The composite reads 51/100 across 7 modules, as of 2026-11-10: valuation 59, quality 69, growth 45, balance sheet 30, cash quality 32, capital allocation 54, momentum 67. Closelooknet scores are research diary readings, not ratings or investment advice.

What is Banco Bilbao Viscaya Argentaria SA ADR's Altman Z-Score?

-0.19, which sits in the distress zone (below 1.81) as of 2026-11-10. The Altman Z-Score estimates financial distress risk from five balance-sheet and earnings ratios.

What is Banco Bilbao Viscaya Argentaria SA ADR's Piotroski F-Score?

5 of 9, as of 2026-11-10. The F-Score counts nine binary fundamental-strength signals across profitability, leverage and operating efficiency.

What does Banco Bilbao Viscaya Argentaria SA ADR's Beneish M-Score indicate?

8.81 — above the −1.78 threshold the literature flags for earnings-manipulation risk, as of 2026-11-10. The M-Score screens reported earnings for statistical manipulation patterns; it is a screen, not an accusation.

Related in the Closelooknet universe

then Banks - Diversified. Scored names rank on their Closelooknet score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.