The historical rank and industry rank for Banco Bilbao Vizcaya Argentaria's Net Margin % or its related term are showing as below:
FRA:BOY'
s Net Margin % Range Over the Past 10 Years
Min: 5.86 Med: 21.44 Max: 27.32
Current: 27.32
FRA:BOY's Net Margin % is ranked better than 51.87% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:BOY: 27.32
Banco Bilbao Vizcaya Argentaria (FRA:BOY) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Banco Bilbao Vizcaya Argentaria Net Margin % Related Terms
Banco Bilbao Vizcaya Argentaria Net Margin % 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 Net Margin % Chart
For the Banks - Diversified subindustry, Banco Bilbao Vizcaya Argentaria's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Bilbao Vizcaya Argentaria's Net Margin % distribution charts can be found below:
* The bar in red indicates where Banco Bilbao Vizcaya Argentaria's Net Margin % falls into.
* 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 (FRA:BOY) has a Net Margin % of 28.06% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Banco Bilbao Vizcaya Argentaria and its competitors. This is 31% above median its historical median of 21.44. Over the past decade, Banco Bilbao Vizcaya Argentaria's Net Margin % has ranged from 5.86 to 27.32. According to the industry distribution chart, Banco Bilbao Vizcaya Argentaria ranks #735 out of 1527 companies in the Banks industry, placing it in the top 48.1%.
Is Banco Bilbao Vizcaya Argentaria's Net Margin % too high?
Banco Bilbao Vizcaya Argentaria's current Net Margin % of 28.06% is 31% above median its 10-year median of 21.44. Over the past 10 years, this metric has ranged from a low of 5.86 to a high of 27.32. The Banks industry median Net Margin % is 26.95. Banco Bilbao Vizcaya Argentaria's value of 28.06% is 4.1% above this industry median. Based on the distribution chart, Banco Bilbao Vizcaya Argentaria ranks #735 out of 1527 companies in the Banks industry, which is above the industry midpoint. 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 Margin % compare to JPM and BAC?
According to the Banks industry distribution chart, Banco Bilbao Vizcaya Argentaria ranks #735 out of 1527 companies for Net Margin %. This puts Banco Bilbao Vizcaya Argentaria in the upper half of its industry. The industry median Net Margin % is 26.95. Banco Bilbao Vizcaya Argentaria's value of 28.06% is 4.1% above this benchmark. Historically, Banco Bilbao Vizcaya Argentaria's own Net Margin % has ranged from 5.86 to 27.32 over the past decade. While the company's 10-year median is 21.44 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Bilbao Vizcaya Argentaria's current Net Margin % of 28.06% is 4.1% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Banco Bilbao Vizcaya Argentaria and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Bilbao Vizcaya Argentaria's current Net Margin % is 28.06%, which is 31% above median its own 10-year median of 21.44. 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 €12.35, compared to a current price of €21.40 — trading 73.3% above its estimated fair value. The current Net Margin % is 28.06%, which is 31% above median its 10-year median of 21.44 and 4.1% above the Banks industry median of 26.95. 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 Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Banco Bilbao Vizcaya Argentaria (FRA:BOY), the current Net Margin % is 28.06% 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 (FRA:BOY) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Bilbao Vizcaya Argentaria stock appears to be overvalued.
The current stock price of €21.40 is trading 73.3% above its estimated GF Value™ of €12.35.
GuruFocus considers Banco Bilbao Vizcaya Argentaria to be Significantly Overvalued.
Key valuation signals for FRA:BOY:
Net Margin %: 28.06% (31% above median its 10-year median of 21.44)
GF Value™: €12.35 vs. price of €21.40 (73.3% above fair value)
Industry Position: 4.1% above the Banks median (#735 of 1527)
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
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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