Banco Bilbao Vizcaya Argentaria (FRA:BOY) GF Value Rank: 3 (As of Jul. 29, 2026) — 50% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:BOY Banco Bilbao Vizcaya Argentaria SA FRA:BOY
72 GF Score
Price €23.33
GF Value €12.44
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Banco Bilbao Vizcaya Argentaria GF Value Rank?

Banco Bilbao Vizcaya Argentaria FRA:BOY +0.47% 72 GF Value Rank is 3 as of Jul. 29, 2026, which is 50% below its 10-year median of 6.00. GuruFocus rates FRA:BOY with a GF Score™ of 72/100 and a GF Value™ of €12.44 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Banco Bilbao Vizcaya Argentaria has the GF Value Rank of 3.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Banco Bilbao Vizcaya Argentaria GF Value Rank Related Terms

FRA:BOY vs JPM, BAC, WFC: GF Value Rank Comparison

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

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

* The bar in red indicates where Banco Bilbao Vizcaya Argentaria's GF Value Rank falls into.


FRA:BOY
72GF Score
Banco Bilbao Vizcaya Argentaria SA FRA:BOY
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 3 mean?
Banco Bilbao Vizcaya Argentaria (FRA:BOY) has a GF Value Rank of 3 as of Jul. 29, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Banco Bilbao Vizcaya Argentaria and its competitors. This is 50% below median its historical median of 6.00. Over the past decade, Banco Bilbao Vizcaya Argentaria's GF Value Rank has ranged from 1.00 to 10.00.
Is Banco Bilbao Vizcaya Argentaria's GF Value Rank too high?
Banco Bilbao Vizcaya Argentaria's current GF Value Rank of 3 is 50% below median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. 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 GF Value Rank compare to JPM and BAC?
Banco Bilbao Vizcaya Argentaria's GF Value Rank of 3 can be compared against companies in the Banks industry. Historically, Banco Bilbao Vizcaya Argentaria's own GF Value Rank has ranged from 1.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for a Banks company?
A good GF Value Rank depends on the Banks industry context. However, GF Value Rank 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 GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Banco Bilbao Vizcaya Argentaria and its competitors. Banco Bilbao Vizcaya Argentaria's current GF Value Rank is 3, which is 50% below median its own 10-year median of 6.00. 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 €12.44, compared to a current price of €23.33 — trading 87.5% above its estimated fair value. The current GF Value Rank is 3, which is 50% below median its 10-year median of 6.00. 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 GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Banco Bilbao Vizcaya Argentaria (FRA:BOY), the current GF Value Rank is 3 as of Jul. 29, 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 €23.33 is trading 87.5% above its estimated GF Value™ of €12.44. GuruFocus considers Banco Bilbao Vizcaya Argentaria to be Significantly Overvalued.

Key valuation signals for FRA:BOY:

  • GF Value Rank: 3 (50% below median its 10-year median of 6.00)
  • GF Value™: €12.44 vs. price of €23.33 (87.5% above fair value)
  • GF Score™: 72/100 with 7 warning signs

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

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

Get the complete analysis for FRA:BOY

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

€23.33
Price
€12.44
GF Value