Is BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (BBVA) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Diversified | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Diversified | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Diversified | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Diversified | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Diversified | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 50.9% | |
| Net Margin | 33.2% | |
| Return on Equity (ROE) | 18.3% | |
| Return on Assets (ROA) | 1.4% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $15.0B |
| Free Cash Flow | $13.2B |
| Total Debt | $89.3B |
| Total Assets | $859.6B |
Price & Trading
| Last Close | $20.92 |
| 50-Day MA | $23.08 |
| 200-Day MA | $20.11 |
| Avg Volume | 2.1M |
| Beta | 0.9 |
|
52-Week Range
$11.59
| |
About BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (BBVA)
Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides various financial services in Spain, Mexico, Turkey, South America, Europe, the United States, and Asia. The company offers traditional retail, wholesale, investment, and transaction banking. It also engages in financial, insurance, asset management, and capital markets businesses, as well as digital banking. The company was formerly known as Banco Bilbao Vizcaya, S.A. and changed its name to Banco Bilbao Vizcaya Argentaria, S.A. in January 2000. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.
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Frequently Asked Questions
Is BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (BBVA) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), BANCO BILBAO VIZCAYA ARGENTARIA, S.A. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is BANCO BILBAO VIZCAYA ARGENTARIA, S.A.'s debt ratio?
BANCO BILBAO VIZCAYA ARGENTARIA, S.A.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are BANCO BILBAO VIZCAYA ARGENTARIA, S.A.'s key financial metrics?
BANCO BILBAO VIZCAYA ARGENTARIA, S.A. has a market capitalization of $116.0B, trailing P/E ratio of 10.1, and revenue of $39.4B. Return on equity stands at 18.3%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.