Banco Bilbao Vizcaya Argentaria (HAM:BOY) LT-Debt-to-Total-Asset: 0.10 (As of Mar. 2026)


HAM:BOY Banco Bilbao Vizcaya Argentaria SA HAM:BOY
71 GF Score
Price €22.65
GF Value €12.46
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Banco Bilbao Vizcaya Argentaria LT-Debt-to-Total-Asset?

Banco Bilbao Vizcaya Argentaria HAM:BOY +0.71% 71 LT-Debt-to-Total-Asset is 0.10 as of Mar. 2026. GuruFocus rates HAM:BOY with a GF Score™ of 71/100 and a GF Value™ of €12.46 (Significantly Overvalued). The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Banco Bilbao Vizcaya Argentaria's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.10.

Banco Bilbao Vizcaya Argentaria's long-term debt to total assets ratio increased from Mar. 2025 (0.09) to Mar. 2026 (0.10). It may suggest that Banco Bilbao Vizcaya Argentaria is progressively becoming more dependent on debt to grow their business.

Banco Bilbao Vizcaya Argentaria  (HAM:BOY) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Banco Bilbao Vizcaya Argentaria LT-Debt-to-Total-Asset Related Terms

Banco Bilbao Vizcaya Argentaria LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Banco Bilbao Vizcaya Argentaria's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Banco Bilbao Vizcaya Argentaria Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.09 0.08 0.10 0.10 0.10

Banco Bilbao Vizcaya Argentaria Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset 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 0.09 0.10 0.10 0.10 0.10
HAM:BOY
71GF Score
Banco Bilbao Vizcaya Argentaria SA HAM:BOY
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Bilbao Vizcaya Argentaria LT-Debt-to-Total-Asset Calculation

Banco Bilbao Vizcaya Argentaria's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=89075/859576
=0.10

Banco Bilbao Vizcaya Argentaria's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=87564/894267
=0.10

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.10 mean?
Banco Bilbao Vizcaya Argentaria (HAM:BOY) has a LT-Debt-to-Total-Asset of 0.10 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Banco Bilbao Vizcaya Argentaria and its competitors.
Is Banco Bilbao Vizcaya Argentaria's LT-Debt-to-Total-Asset too high?
Banco Bilbao Vizcaya Argentaria's current LT-Debt-to-Total-Asset is 0.10. Overall, Banco Bilbao Vizcaya Argentaria has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Bilbao Vizcaya Argentaria's LT-Debt-to-Total-Asset compare to JPM and BAC?
Banco Bilbao Vizcaya Argentaria's LT-Debt-to-Total-Asset of 0.10 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 LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Banco Bilbao Vizcaya Argentaria and its competitors. Banco Bilbao Vizcaya Argentaria's current LT-Debt-to-Total-Asset is 0.10. 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 (HAM:BOY) is currently considered Significantly Overvalued. The stock's GF Value™ is €12.46, compared to a current price of €22.65 — trading 81.8% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.10. Banco Bilbao Vizcaya Argentaria's overall GF Score™ is 71/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Banco Bilbao Vizcaya Argentaria (HAM:BOY), the current LT-Debt-to-Total-Asset is 0.10 as of Mar. 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 (HAM:BOY) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Bilbao Vizcaya Argentaria stock appears to be overvalued. The current stock price of €22.65 is trading 81.8% above its estimated GF Value™ of €12.46. GuruFocus considers Banco Bilbao Vizcaya Argentaria to be Significantly Overvalued.

Key valuation signals for HAM:BOY:

  • LT-Debt-to-Total-Asset: 0.10
  • GF Value™: €12.46 vs. price of €22.65 (81.8% above fair value)
  • GF Score™: 71/100 with 7 warning signs

No single metric tells the full story. See the HAM: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.
71GF Score

Get the complete analysis for HAM:BOY

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€22.65
Price
€12.46
GF Value