Banco Bilbao Vizcaya Argentaria SA vs Expensify Inc — how do they compare? Banco Bilbao Vizcaya Argentaria SA trades at $28.53 (market cap $157.51B), while Expensify Inc trades at $2.24 (market cap $209.73M). The key difference: Banco Bilbao Vizcaya Argentaria SA is far larger — about 751× Expensify Inc's market cap, and Banco Bilbao Vizcaya Argentaria SA pays a 3.8% dividend while Expensify Inc pays none. Which is the better fit depends on your goals.
| BBVA | EXFY | |
|---|---|---|
Market Cap | $157.51B | $209.73M |
Sector | Financials | Technology |
52-Week High | $28.50 | $2.69 |
52-Week Low | $17.96 | $0.75 |
Dividend Yield | 3.8% | — |
Enterprise Value | — | $149.35M |
Signals from Pluang's Aura AI — not financial advice
BBVA trades at $28.535, up 0.65% with bullish technical signals from moving averages. The bank reported strong Q2 2026 results with net profit rising 11.4% year-over-year and announced a $2.3 billion share buyback program. Revenue reached $39.42 billion in 2025 with net income margin of 26.13% and ROE of 18.5%. Analyst consensus leans bullish with 7 buy ratings among 13 analysts.
Outlook remains positive with improved profitability guidance and strategic leadership reshuffling. Key risks include ongoing antitrust investigations in Spain and potential economic divergence in core markets. The stock offers attractive valuation with P/E of 12.98x, though recent RSI levels suggest potential near-term consolidation.
EXFY trades at $2.27, down 8.1% today, with a bullish technical signal from moving averages. The company reported Q2 2026 revenue of $33.9 million with improved profitability and cash flow, beating EPS expectations. Recent news highlights expansion into Europe and AI product enhancements. Valuation ratios show a high P/E of 258.82 but reasonable P/S of 1.56, while profitability metrics remain negative.
Outlook is cautiously optimistic due to earnings beats and strategic growth initiatives, but risks include persistent net losses and competitive pressures. Analyst sentiment is mixed with a Buy consensus but requires monitoring of margin improvements.
Trailing returns across standard periods
Latest headlines on both assets
Despite its Spanish origins, BBVA generates three quarters of its profits in emerging markets, especially Mexico that contributes nearly half of BBVA's net profit. BBVA is overwhelmingly a retail and commercial bank with corporate and investment banking forming a smaller part of the overall business.
Read more on BBVA →Expensify Inc is a cloud-based expense management software platform that helps the smallest to the largest businesses simplify the way they manage money. More than 10 million people use Expensify's free features, which include corporate cards, expense tracking, next-day reimbursement, invoicing, bill pay, and travel booking in one app.
Read more on EXFY →