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Cash Generator Analysis

BOY

Banco Bilbao Vizcaya Argentaria, S.A. · GER · Germany

Elite cash generator: strong owner-cash yield with clean quality and limited trap risk.

Back to Cash Generators Full Factor Intel
Owner Yield9.6%FCF/EV, FCF/price and earnings/price blended to…
Earnings / Price8.7%Net income divided by market value. It gives th…
FCF / Price10.6%Free cash flow divided by market value. This is…
Trap Risk10Penalty score from leverage, poor conversion, n…
Piotroski4Nine-point fundamental strength check. Higher s…
Dividend Yield4.1%Income paid to shareholders. Useful only when s…
This is the kind of business-quality read Buffett and Munger would start with: cash first, accounting second, then a ruthless check for debt, deterioration and market rejection. The current snapshot looks unusually clean: owner cash is strong, quality is visible, and the trap brake is quiet.
85 Owner Cash

Does the business produce meaningful cash relative to the price paid?

79 Quality Of Earnings

Do reported profits convert into free cash flow rather than accounting smoke?

100 Durable Engine

Is the cash generation supported by growth, stability and margin resilience?

100 Balance Sheet

Can the company survive a tougher cycle without the cash story breaking?

61 Capital Allocation

Is management returning or retaining cash in a way that supports owners?

Pillar Breakdown

The final score is weighted toward cash yield and cash quality, then reduced by value-trap risk.

Cash Yield85.0
Cash Quality79.3
Durability99.8
Balance Sheet100.0
Capital Allocation61.4
Market Confirmation64.7

Score History

Weekly factor snapshots, using the same scoring logic.

Cash Quality Metrics

Income, cash flow, growth and balance sheet context behind the headline score.

FCF Yield9.6%
EV / FCF10.37
FCF Margin33.8%
Cash Conversion1.22
EPS Growth5.7%
Revenue Growth0.5%
ROIC-
Net Debt / EBITDA-
Interest Cover-
Dividend Yield4.1%
Shareholder Yield5.1%
12-1 Momentum59.2%

Value-Trap Checks

Reasons the model may distrust the headline cash yield.

financial statement cautionBanks, insurers and credit balance sheets are not directly comparable to normal operating companies on FCF metrics.

Recent Weekly Reads

The latest scoring history for this company.

WeekScoreOwner YieldTrap Risk
12 Jul 202680.69.6%10
5 Jul 202680.59.5%10
28 Jun 202681.510.0%10
21 Jun 202681.610.1%10
14 Jun 202683.411.0%10
7 Jun 202683.511.1%10
Metric