{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "a717fa69-b961-444a-8511-1f6db9e633a2",
    "symbol": "BVA",
    "name": "Banco Bilbao Vizcaya Argentaria, S.A.",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Banks - Diversified",
    "chart_url": "https://sharemaestro.com/terminal/a717fa69-b961-444a-8511-1f6db9e633a2/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "a717fa69-b961-444a-8511-1f6db9e633a2",
      "symbol": "BVA",
      "name": "Banco Bilbao Vizcaya Argentaria, S.A.",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Banks - Diversified",
      "chart_url": "https://sharemaestro.com/terminal/a717fa69-b961-444a-8511-1f6db9e633a2/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "BVA.L",
    "market_cap": 108369928192.0,
    "market_cap_usd": 108369928192.0,
    "price": 19.5,
    "currency": "EUR",
    "dividend_yield": 0.0478,
    "dividend_years": 18,
    "dividend_growth_5y": 0.35469203,
    "dividend_cut_5y": true,
    "payout_ratio": 0.4011,
    "net_income": 10511000000.0,
    "free_cash_flow": 13162000000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 1.55700462,
    "revenue_growth_5y": 0.11986454,
    "net_margin": 0.33124,
    "roe": 0.19042999,
    "pe_ratio": 10.714286,
    "price_vs_ma": 0.02556937,
    "return_3y": 2.51304797,
    "return_5y": 3.95717392,
    "max_drawdown": -0.29578061,
    "scores": {
      "dividend_reliability": 16.5,
      "dividend_sustainability": 18.5,
      "business_quality": 25.0,
      "valuation": 15.0,
      "trend": 15.0,
      "total": 90.0,
      "confidence": 100.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/a717fa69-b961-444a-8511-1f6db9e633a2/",
      "chart": "https://sharemaestro.com/terminal/a717fa69-b961-444a-8511-1f6db9e633a2/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 16.5,
    "dividend_sustainability": 18.5,
    "business_quality": 25.0,
    "valuation": 15.0,
    "trend": 15.0,
    "total": 90.0,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "BVA",
      "exchange": "LSE",
      "headline": "BVA dividend review warning",
      "detail": "Dividend cut or material annual decrease detected in the last five completed years.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a717fa69-b961-444a-8511-1f6db9e633a2/"
    },
    {
      "event_date": "2026-04-08",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BVA",
      "exchange": "LSE",
      "headline": "Dividend increased 87.5%",
      "detail": "Payment changed from 0.32 to 0.6.",
      "amount": 0.6,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a717fa69-b961-444a-8511-1f6db9e633a2/"
    },
    {
      "event_date": "2026-04-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BVA",
      "exchange": "LSE",
      "headline": "BVA dividend payment 0.6 EUR",
      "detail": "Recorded dividend payment for Banco Bilbao Vizcaya Argentaria, S.A..",
      "amount": 0.6,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a717fa69-b961-444a-8511-1f6db9e633a2/"
    },
    {
      "event_date": "2025-11-05",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "BVA",
      "exchange": "LSE",
      "headline": "Dividend decreased -22.0%",
      "detail": "Payment changed from 0.41 to 0.32.",
      "amount": 0.32,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a717fa69-b961-444a-8511-1f6db9e633a2/"
    },
    {
      "event_date": "2025-11-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BVA",
      "exchange": "LSE",
      "headline": "BVA dividend payment 0.32 EUR",
      "detail": "Recorded dividend payment for Banco Bilbao Vizcaya Argentaria, S.A..",
      "amount": 0.32,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a717fa69-b961-444a-8511-1f6db9e633a2/"
    },
    {
      "event_date": "2025-04-08",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BVA",
      "exchange": "LSE",
      "headline": "Dividend increased 41.4%",
      "detail": "Payment changed from 0.29 to 0.41.",
      "amount": 0.41,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a717fa69-b961-444a-8511-1f6db9e633a2/"
    },
    {
      "event_date": "2025-04-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BVA",
      "exchange": "LSE",
      "headline": "BVA dividend payment 0.41 EUR",
      "detail": "Recorded dividend payment for Banco Bilbao Vizcaya Argentaria, S.A..",
      "amount": 0.41,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a717fa69-b961-444a-8511-1f6db9e633a2/"
    },
    {
      "event_date": "2024-10-08",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "BVA",
      "exchange": "LSE",
      "headline": "Dividend decreased -25.6%",
      "detail": "Payment changed from 0.39 to 0.29.",
      "amount": 0.29,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a717fa69-b961-444a-8511-1f6db9e633a2/"
    },
    {
      "event_date": "2024-10-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BVA",
      "exchange": "LSE",
      "headline": "BVA dividend payment 0.29 EUR",
      "detail": "Recorded dividend payment for Banco Bilbao Vizcaya Argentaria, S.A..",
      "amount": 0.29,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a717fa69-b961-444a-8511-1f6db9e633a2/"
    },
    {
      "event_date": "2024-04-08",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BVA",
      "exchange": "LSE",
      "headline": "Dividend increased 143.8%",
      "detail": "Payment changed from 0.16 to 0.39.",
      "amount": 0.39,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a717fa69-b961-444a-8511-1f6db9e633a2/"
    },
    {
      "event_date": "2024-04-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BVA",
      "exchange": "LSE",
      "headline": "BVA dividend payment 0.39 EUR",
      "detail": "Recorded dividend payment for Banco Bilbao Vizcaya Argentaria, S.A..",
      "amount": 0.39,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a717fa69-b961-444a-8511-1f6db9e633a2/"
    },
    {
      "event_date": "2023-10-09",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "BVA",
      "exchange": "LSE",
      "headline": "Dividend decreased -48.4%",
      "detail": "Payment changed from 0.31 to 0.16.",
      "amount": 0.16,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a717fa69-b961-444a-8511-1f6db9e633a2/"
    },
    {
      "event_date": "2023-10-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BVA",
      "exchange": "LSE",
      "headline": "BVA dividend payment 0.16 EUR",
      "detail": "Recorded dividend payment for Banco Bilbao Vizcaya Argentaria, S.A..",
      "amount": 0.16,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a717fa69-b961-444a-8511-1f6db9e633a2/"
    },
    {
      "event_date": "2023-04-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BVA",
      "exchange": "LSE",
      "headline": "BVA dividend payment 0.31 EUR",
      "detail": "Recorded dividend payment for Banco Bilbao Vizcaya Argentaria, S.A..",
      "amount": 0.31,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a717fa69-b961-444a-8511-1f6db9e633a2/"
    },
    {
      "event_date": "2022-10-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BVA",
      "exchange": "LSE",
      "headline": "BVA dividend payment 0.12 EUR",
      "detail": "Recorded dividend payment for Banco Bilbao Vizcaya Argentaria, S.A..",
      "amount": 0.12,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a717fa69-b961-444a-8511-1f6db9e633a2/"
    },
    {
      "event_date": "2022-04-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BVA",
      "exchange": "LSE",
      "headline": "BVA dividend payment 0.23 EUR",
      "detail": "Recorded dividend payment for Banco Bilbao Vizcaya Argentaria, S.A..",
      "amount": 0.23,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a717fa69-b961-444a-8511-1f6db9e633a2/"
    },
    {
      "event_date": "2021-10-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BVA",
      "exchange": "LSE",
      "headline": "BVA dividend payment 0.08 EUR",
      "detail": "Recorded dividend payment for Banco Bilbao Vizcaya Argentaria, S.A..",
      "amount": 0.08,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a717fa69-b961-444a-8511-1f6db9e633a2/"
    },
    {
      "event_date": "2021-04-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BVA",
      "exchange": "LSE",
      "headline": "BVA dividend payment 0.059 EUR",
      "detail": "Recorded dividend payment for Banco Bilbao Vizcaya Argentaria, S.A..",
      "amount": 0.059,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a717fa69-b961-444a-8511-1f6db9e633a2/"
    },
    {
      "event_date": "2020-04-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BVA",
      "exchange": "LSE",
      "headline": "BVA dividend payment 0.16 EUR",
      "detail": "Recorded dividend payment for Banco Bilbao Vizcaya Argentaria, S.A..",
      "amount": 0.16,
      "currency": "EUR",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/a717fa69-b961-444a-8511-1f6db9e633a2/"
    }
  ]
}