Banco Bilbao Vizcaya Argentaria (FRA:BOY) Net Loan: €509,424 Mil (As of Jun. 2026)

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FRA:BOY Banco Bilbao Vizcaya Argentaria SA FRA:BOY
72 GF Score
Price €24.39
GF Value €13.29
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Banco Bilbao Vizcaya Argentaria Net Loan?

Banco Bilbao Vizcaya Argentaria FRA:BOY -0.08% 72 Net Loan is €509,424 Mil as of Jun. 2026. GuruFocus rates FRA:BOY with a GF Score™ of 72/100 and a GF Value™ of €13.29 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Banco Bilbao Vizcaya Argentaria's quarterly net loan increased from Dec. 2025 (€468,835 Mil) to Mar. 2026 (€478,950 Mil) and increased from Mar. 2026 (€478,950 Mil) to Jun. 2026 (€509,424 Mil).

Banco Bilbao Vizcaya Argentaria's annual net loan increased from Dec. 2023 (€380,691 Mil) to Dec. 2024 (€478,950 Mil) and increased from Dec. 2024 (€478,950 Mil) to Dec. 2025 (€509,424 Mil).

Banco Bilbao Vizcaya Argentaria Net Loan Historical Data

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The historical data trend for Banco Bilbao Vizcaya Argentaria's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Banco Bilbao Vizcaya Argentaria Net Loan Chart

Banco Bilbao Vizcaya Argentaria Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 322,698.00 360,059.00 380,691.00 417,618.00 468,835.00

Banco Bilbao Vizcaya Argentaria Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 433,600.00 500,890.00 468,835.00 478,950.00 509,424.00
FRA:BOY
72GF Score
Banco Bilbao Vizcaya Argentaria SA FRA:BOY
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Bilbao Vizcaya Argentaria Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of €509,424 Mil mean?
Banco Bilbao Vizcaya Argentaria (FRA:BOY) has a Net Loan of €509,424 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Banco Bilbao Vizcaya Argentaria and its competitors.
Is Banco Bilbao Vizcaya Argentaria's Net Loan too high?
Banco Bilbao Vizcaya Argentaria's current Net Loan is €509,424 Mil. Overall, Banco Bilbao Vizcaya Argentaria has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Bilbao Vizcaya Argentaria's Net Loan compare to JPM and BAC?
Banco Bilbao Vizcaya Argentaria's Net Loan of €509,424 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Banco Bilbao Vizcaya Argentaria and its competitors. Banco Bilbao Vizcaya Argentaria's current Net Loan is €509,424 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Bilbao Vizcaya Argentaria stock overvalued right now?
Based on GuruFocus' analysis, Banco Bilbao Vizcaya Argentaria (FRA:BOY) is currently considered Significantly Overvalued. The stock's GF Value™ is €13.29, compared to a current price of €24.39 — trading 83.5% above its estimated fair value. The current Net Loan is €509,424 Mil. Banco Bilbao Vizcaya Argentaria's overall GF Score™ is 72/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Banco Bilbao Vizcaya Argentaria (FRA:BOY), the current Net Loan is €509,424 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Banco Bilbao Vizcaya Argentaria (FRA:BOY) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Bilbao Vizcaya Argentaria stock appears to be overvalued. The current stock price of €24.39 is trading 83.5% above its estimated GF Value™ of €13.29. GuruFocus considers Banco Bilbao Vizcaya Argentaria to be Significantly Overvalued.

Key valuation signals for FRA:BOY:

  • Net Loan: €509,424 Mil
  • GF Value™: €13.29 vs. price of €24.39 (83.5% above fair value)
  • GF Score™: 72/100 with 7 warning signs

No single metric tells the full story. See the FRA:BOY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Banco Bilbao Vizcaya Argentaria Business Description

Address Plaza San Nicolas, 4, Bilbao, ESP, 48005
Despite its Spanish origins, Banco Bilbao Vizcaya Argentaria generates only around one-fourth of its profits in Spain. We expect that on a normalized basis, BBVA's market-leading Mexican bank should contribute half of its earnings, while its Turkish operation should account for another 15%. The balance of BBVA's earnings comes from smaller operations in South America. BBVA is overwhelmingly a retail and commercial bank, with corporate and investment banking forming a minor part of the overall business. BBVA also offers insurance and investment products through its banking networks.
72GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€24.39
Price
€13.29
GF Value