* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Banco Bilbao Vizcaya Argentaria's PEG Ratio or its related term are showing as below:
HAM:BOY'
s PEG Ratio Range Over the Past 10 Years
Min: 0.67 Med: 1.14 Max: 15.68
Current: 1.29
During the past 13 years, Banco Bilbao Vizcaya Argentaria's highest PEG Ratio was 15.68. The lowest was 0.67. And the median was 1.14.
HAM:BOY's PEG Ratio is ranked better than 57.49% of 1228
companies
in the Banks industry
Industry Median: 1.53
vs HAM:BOY: 1.29
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Banco Bilbao Vizcaya Argentaria (HAM:BOY) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Banco Bilbao Vizcaya Argentaria PEG Ratio Related Terms
Banco Bilbao Vizcaya Argentaria PEG Ratio 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.
For the Banks - Diversified subindustry, Banco Bilbao Vizcaya Argentaria's PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Banco Bilbao Vizcaya Argentaria's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Banco Bilbao Vizcaya Argentaria's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Banco Bilbao Vizcaya Argentaria (HAM:BOY) has a PEG Ratio of 1.28 as of Jul. 05, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Banco Bilbao Vizcaya Argentaria and its competitors. This is 12% above median its historical median of 1.14. Over the past decade, Banco Bilbao Vizcaya Argentaria's PEG Ratio has ranged from 0.67 to 15.68. According to the industry distribution chart, Banco Bilbao Vizcaya Argentaria ranks #522 out of 1228 companies in the Banks industry, placing it in the top 42.5%.
Is Banco Bilbao Vizcaya Argentaria's PEG Ratio too high?
Banco Bilbao Vizcaya Argentaria's current PEG Ratio of 1.28 is 12% above median its 10-year median of 1.14. Over the past 10 years, this metric has ranged from a low of 0.67 to a high of 15.68. The Banks industry median PEG Ratio is 1.53. Banco Bilbao Vizcaya Argentaria's value of 1.28 is 16.3% below this industry median. Based on the distribution chart, Banco Bilbao Vizcaya Argentaria ranks #522 out of 1228 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 PEG Ratio compare to JPM and BAC?
According to the Banks industry distribution chart, Banco Bilbao Vizcaya Argentaria ranks #522 out of 1228 companies for PEG Ratio. This puts Banco Bilbao Vizcaya Argentaria in the upper half of its industry. The industry median PEG Ratio is 1.53. Banco Bilbao Vizcaya Argentaria's value of 1.28 is 16.3% below this benchmark. Historically, Banco Bilbao Vizcaya Argentaria's own PEG Ratio has ranged from 0.67 to 15.68 over the past decade. While the company's 10-year median is 1.14 vs. the industry median of 1.53, Banco Bilbao Vizcaya Argentaria has consistently been below 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.53, based on 1,228 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Bilbao Vizcaya Argentaria's current PEG Ratio of 1.28 is 16.3% below 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Banco Bilbao Vizcaya Argentaria and its competitors. For the Banks industry, the median PEG Ratio is 1.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Bilbao Vizcaya Argentaria's current PEG Ratio is 1.28, which is 12% above median its own 10-year median of 1.14. 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 PEG Ratio is 1.28, which is 12% above median its 10-year median of 1.14 and 16.3% below the Banks industry median of 1.53. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Banco Bilbao Vizcaya Argentaria (HAM:BOY), the current PEG Ratio is 1.28 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:
PEG Ratio: 1.28 (12% above median its 10-year median of 1.14)
GF Value™: €12.46 vs. price of €22.65 (81.8% above fair value)
Industry Position: 16.3% below the Banks median (#522 of 1228)
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
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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