Contrasting Banco Bilbao Viscaya Argentaria (NYSE:BBVA) & Royal Financial (OTCMKTS:RYFL)

Banco Bilbao Viscaya Argentaria (NYSE:BBVA) and Royal Financial (OTCMKTS:RYFL) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their earnings, risk, valuation, dividends, profitability, analyst recommendations and institutional ownership.

Analyst Recommendations

This is a breakdown of current ratings and price targets for Banco Bilbao Viscaya Argentaria and Royal Financial, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Banco Bilbao Viscaya Argentaria	0	7	1	0	2.12
Royal Financial	0	0	0	0	0.00

Profitability

This table compares Banco Bilbao Viscaya Argentaria and Royal Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Banco Bilbao Viscaya Argentaria	27.75%	18.05%	1.27%
Royal Financial	N/A	N/A	N/A

Valuation & Earnings

This table compares Banco Bilbao Viscaya Argentaria and Royal Financial”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Banco Bilbao Viscaya Argentaria	$42.54 billion	3.85	$11.89 billion	$2.20	13.04
Royal Financial	N/A	N/A	N/A	N/A	N/A

Banco Bilbao Viscaya Argentaria has higher revenue and earnings than Royal Financial.

Institutional & Insider Ownership

3.0% of Banco Bilbao Viscaya Argentaria shares are owned by institutional investors. 0.0% of Banco Bilbao Viscaya Argentaria shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Summary

Banco Bilbao Viscaya Argentaria beats Royal Financial on 8 of the 8 factors compared between the two stocks.

About Banco Bilbao Viscaya Argentaria

Banco Bilbao Vizcaya Argentaria, S.A. provides retail banking, wholesale banking, and asset management services in the United States, Spain, Mexico, Turkey, South America, and internationally. The company offers savings account, demand deposits, and time deposits; and loan products, such as residential mortgages, other households, credit card loans, loans to enterprises and public sector, as well as consumer finance. It provides insurance and asset management business, including corporate, commercial, SME, payment systems, retail, private and investment banking, pension and life insurance, leasing, factoring, and brokerage. The company provides its products through online and mobile channels. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.

About Royal Financial

Royal Financial, Inc. is a bank holding company, which engages in the provision of checking and savings products, and a full line of home and commercial lending solutions through Royal Savings Bank. The company was founded on September 15, 2004 and is headquartered in Chicago, IL.