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

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

Valuation and Earnings

This table compares Royal Financial and Banco Bilbao Viscaya Argentaria”s gross revenue, earnings per share (EPS) and valuation.

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

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

Profitability

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

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

Analyst Recommendations

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

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

Insider & Institutional 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 large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Summary

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

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.

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.