BBVA vs PNC (BBVA vs PNC)
BBVA (BBVA) vs PNC (PNC) in plain English: P/E, growth, margins, debt and dividend side by side, key differences and which fits each investor profile.
BBVA (BBVA) and PNC (PNC) compete in banking. Here are BBVA and PNC side by side with their real figures as of November 4, 2026: what sets them apart, which fits each kind of investor and the most common questions, without telling you whether to buy BBVA or PNC.
BBVA vs PNC: the figures
| Figure | BBVA | PNC |
|---|---|---|
| Share price | €22.44 (November 4, 2026) | $233.45 (November 4, 2026) |
| Market cap | €123.4 billion | $92.7 billion |
| P/E (TTM) | 11.4x | 12.4x |
| Forward P/E | 9.6x | 10.9x |
| Revenue growth (quarter) | +18.4% | +10.9% |
| Net margin (TTM) | 32.6% | 31.7% |
| ROE | 19.8% | 13.1% |
| Dividend yield | 4.51% | 3.49% |
| Beta | 0.82 | 0.91 |
BBVA and PNC figures from Yahoo Finance, the same source the Fintols analysis uses, retrieved on November 4, 2026; N/A means that BBVA or PNC figure is not available, and we never estimate it.
3 key differences between BBVA and PNC
- Growth: BBVA grew sales +18.4% year on year in its latest quarter, against +10.9% for PNC.
- Dividend: BBVA yields 4.51% at today's price and PNC yields 3.49%.
- Valuation: PNC trades at 12.4x its annual earnings and BBVA at 11.4x; the market pays more for each dollar of PNC profit, usually because it expects more growth.
BBVA or PNC: which fits your profile
- If you want growth: BBVA is growing faster today, so it fits better with investors who put business growth first, usually accepting a higher P/E and a bumpier ride.
- If you want income (dividends): BBVA pays the higher dividend relative to its price.
- If you prefer caution: BBVA has a less volatile share price, which usually gives more room in a bad year.
- If price is what matters most to you: BBVA trades on the lower P/E; check first whether that is an opportunity or a sign of a business that grows less.
Neither BBVA nor PNC wins on everything, and owning both is also an option: spreading money across several companies or an index fund reduces what rides on each one.
How BBVA and PNC make money
BBVA (BBVA)
BBVA breaks its results down by geography: Spain, Mexico, Turkey through Garanti BBVA, South America, and Rest of Business, which covers wholesale banking in Europe, the US and Asia. Mexico contributes the most profit. The bank earns mainly net interest on mortgages, business loans and credit cards, plus fees. Full BBVA analysis.
PNC (PNC)
PNC Financial Services is a U.S. commercial bank. Retail Banking offers deposit accounts, mortgages and credit cards to consumers, Corporate and Institutional Banking provides loans and treasury management to businesses, and the Asset Management Group handles wealth management. It earns net interest income plus fees. Full PNC analysis.
Frequently asked questions: BBVA vs PNC
Is BBVA or PNC the better stock?
Choosing between BBVA and PNC depends on what you are looking for. BBVA is growing faster right now, and BBVA trades on the lower P/E. Fintols does not tell you whether to buy BBVA or PNC: it shows you the differences so you can decide.
Which pays a higher dividend, BBVA or PNC?
As of November 4, 2026, BBVA yields 4.51% and PNC yields 3.49%. Also check how much of their profit BBVA and PNC pay out: if it is more than they earn, it cannot last.
Which is more expensive, BBVA or PNC?
On P/E, PNC (12.4x) is more expensive than BBVA (11.4x) as of November 4, 2026. A higher P/E can be justified if earnings grow faster, so compare it with each company's growth in the table.
Can I own both BBVA and PNC?
Yes. Many people spread their money across several companies, such as BBVA and PNC, or use index funds so they do not depend on just one. If you are starting out, decide how much you want to invest and for how long before buying BBVA or PNC.
More comparisons with BBVA or PNC
More companies like BBVA and PNC: banking stocks. Educational content about BBVA and PNC, not investment advice.