Banco Bilbao Vizcaya ArgentariaBBVA -2.03%74 Intrinsic Value: Projected FCF is $35.14 as of Jun. 24, 2026, which is 5306% above its 10-year median of 0.65. GuruFocus rates BBVA with a GF Score™ of 74/100 and a GF Value™ of $14.22 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,293 Banks companies, Banco Bilbao Vizcaya Argentaria ranks worse than 64.5% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Banco Bilbao Vizcaya Argentaria's Intrinsic Value: Projected FCF or its related term are showing as below:
BBVA'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.3 Med: 0.65 Max: 5.52
Current: 0.69
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Banco Bilbao Vizcaya Argentaria was 5.52. The lowest was 0.30. And the median was 0.65.
BBVA's Price-to-Projected-FCF is ranked worse than 64.5% of 1293
companies
in the Banks industry
Industry Median: 0.57
vs BBVA: 0.69
Banco Bilbao Vizcaya Argentaria (NYSE:BBVA) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Banco Bilbao Vizcaya Argentaria's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
24.11
/
34.417064515802
=
0.70
* 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 Intrinsic Value: Projected FCF Related Terms
Banco Bilbao Vizcaya Argentaria Intrinsic Value: Projected FCF Historical Data
* 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 Intrinsic Value: Projected FCF Chart
BBVA vs JPM, BAC, WFC: Intrinsic Value: Projected FCF Comparison
For the Banks - Diversified subindustry, Banco Bilbao Vizcaya Argentaria's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Banco Bilbao Vizcaya Argentaria Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Banco Bilbao Vizcaya Argentaria's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Banco Bilbao Vizcaya Argentaria's Price-to-Projected-FCF falls into.
Banco Bilbao Vizcaya Argentaria Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $35.14 mean?
Banco Bilbao Vizcaya Argentaria (BBVA) has a Intrinsic Value: Projected FCF of $35.14 as of Jun. 24, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Banco Bilbao Vizcaya Argentaria and its competitors. This is 5306% above median its historical median of 0.65. Over the past decade, Banco Bilbao Vizcaya Argentaria's Intrinsic Value: Projected FCF has ranged from 0.30 to 5.52. According to the industry distribution chart, Banco Bilbao Vizcaya Argentaria ranks #834 out of 1293 companies in the Banks industry, placing it in the top 64.5%.
Is Banco Bilbao Vizcaya Argentaria's Intrinsic Value: Projected FCF too high?
Banco Bilbao Vizcaya Argentaria's current Intrinsic Value: Projected FCF of $35.14 is 5306% above median its 10-year median of 0.65. Over the past 10 years, this metric has ranged from a low of 0.30 to a high of 5.52. The Banks industry median Intrinsic Value: Projected FCF is 0.57. Banco Bilbao Vizcaya Argentaria's value of $35.14 is 6064.9% above this industry median. Based on the distribution chart, Banco Bilbao Vizcaya Argentaria ranks #834 out of 1293 companies in the Banks industry, which is below the industry midpoint. Overall, Banco Bilbao Vizcaya Argentaria has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Bilbao Vizcaya Argentaria's Intrinsic Value: Projected FCF compare to JPM and BAC?
According to the Banks industry distribution chart, Banco Bilbao Vizcaya Argentaria ranks #834 out of 1293 companies for Intrinsic Value: Projected FCF. This places Banco Bilbao Vizcaya Argentaria in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.57. Banco Bilbao Vizcaya Argentaria's value of $35.14 is 6064.9% above this benchmark. Historically, Banco Bilbao Vizcaya Argentaria's own Intrinsic Value: Projected FCF has ranged from 0.30 to 5.52 over the past decade. While the company's 10-year median is 0.65 vs. the industry median of 0.57, Banco Bilbao Vizcaya Argentaria has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.57, based on 1,293 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Bilbao Vizcaya Argentaria's current Intrinsic Value: Projected FCF of $35.14 is 6064.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Banco Bilbao Vizcaya Argentaria and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Bilbao Vizcaya Argentaria's current Intrinsic Value: Projected FCF is $35.14, which is 5306% above median its own 10-year median of 0.65. 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 (BBVA) is currently considered Significantly Overvalued. The stock's GF Value™ is $14.22, compared to a current price of $24.11 — trading 69.5% above its estimated fair value. The current Intrinsic Value: Projected FCF is $35.14, which is 5306% above median its 10-year median of 0.65 and 6064.9% above the Banks industry median of 0.57. Banco Bilbao Vizcaya Argentaria's overall GF Score™ is 74/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Banco Bilbao Vizcaya Argentaria (BBVA), the current Intrinsic Value: Projected FCF is $35.14 as of Jun. 24, 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 (BBVA) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Bilbao Vizcaya Argentaria stock appears to be overvalued.
The current stock price of $24.11 is trading 69.5% above its estimated GF Value™ of $14.22.
GuruFocus considers Banco Bilbao Vizcaya Argentaria to be Significantly Overvalued.
Key valuation signals for BBVA:
Intrinsic Value: Projected FCF: $35.14 (5306% above median its 10-year median of 0.65)
GF Value™: $14.22 vs. price of $24.11 (69.5% above fair value)
Industry Position: 6064.9% above the Banks median (#834 of 1293)
No single metric tells the full story. See the BBVA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Bilbao Vizcaya Argentaria Business Description
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.
74GF Score
Get the complete analysis for BBVA
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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