Banco Bilbao Vizcaya Argentaria (HAM:BOY) Moat Score: 7/10 (As of Jul. 05, 2026)


HAM:BOY Banco Bilbao Vizcaya Argentaria SA HAM:BOY
72 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 Moat Score?

Banco Bilbao Vizcaya Argentaria HAM:BOY +0.71% 72 Moat Score is 7 as of Jul. 05, 2026. GuruFocus rates HAM:BOY with a GF Score™ of 72/100 and a GF Value™ of €12.46 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,612 Banks companies, Banco Bilbao Vizcaya Argentaria ranks better than 99.44% on this metric.

Banco Bilbao Vizcaya Argentaria has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Banco Bilbao Vizcaya Argentaria has Wide Moat: Banco Bilbao Vizcaya Argentaria SA has a wide moat due to its strong market leadership, significant regulatory barriers, and customer loyalty in the banking sector. The company benefits from durable cost advantages and a superior distribution network, providing a durable competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Banco Bilbao Vizcaya Argentaria might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

Banco Bilbao Vizcaya Argentaria  (HAM:BOY) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Banco Bilbao Vizcaya Argentaria Moat Score Related Terms

HAM:BOY vs JPM, BAC, WFC: Moat Score Comparison

For the Banks - Diversified subindustry, Banco Bilbao Vizcaya Argentaria's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Banco Bilbao Vizcaya Argentaria's Moat Score distribution charts can be found below:

* The bar in red indicates where Banco Bilbao Vizcaya Argentaria's Moat Score falls into.


HAM:BOY
72GF Score
Banco Bilbao Vizcaya Argentaria SA HAM:BOY
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 7 mean?
Banco Bilbao Vizcaya Argentaria (HAM:BOY) has a Moat Score of 7 as of Jul. 05, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Banco Bilbao Vizcaya Argentaria ranks #9 out of 1612 companies in the Banks industry, placing it in the top 0.59999999999999%.
Is Banco Bilbao Vizcaya Argentaria's Moat Score too high?
Banco Bilbao Vizcaya Argentaria's current Moat Score is 7. Based on the distribution chart, Banco Bilbao Vizcaya Argentaria ranks #9 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to JPM and BAC?
According to the Banks industry distribution chart, Banco Bilbao Vizcaya Argentaria ranks #9 out of 1612 companies for Moat Score. This places Banco Bilbao Vizcaya Argentaria in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Banco Bilbao Vizcaya Argentaria's current Moat Score is 7. 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 Moat Score is 7. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Banco Bilbao Vizcaya Argentaria (HAM:BOY), the current Moat Score is 7 as of Jul. 05, 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:

  • Moat Score: 7
  • GF Value™: €12.46 vs. price of €22.65 (81.8% above fair value)
  • GF Score™: 72/100 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.
72GF Score

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

€22.65
Price
€12.46
GF Value