Banco Bilbao Vizcaya Argentaria (HAM:BOY) Risk Assessment

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.

HAM:BOY Banco Bilbao Vizcaya Argentaria SA HAM:BOY
72 GF Score
Price €23.23
GF Value €12.53
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Banco Bilbao Vizcaya Argentaria Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Banco Bilbao Vizcaya Argentaria is: High Risk: High uncertainty with risk-return tradeoff.

Banco Bilbao Vizcaya Argentaria  (HAM:BOY) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Banco Bilbao Vizcaya Argentaria Risk Assessment Related Terms

HAM:BOY vs JPM, BAC, WFC: Risk Assessment Comparison

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

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

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


HAM:BOY
72GF Score
Banco Bilbao Vizcaya Argentaria SA HAM:BOY
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 €23.23 is trading 85.4% above its estimated GF Value™ of €12.53. GuruFocus considers Banco Bilbao Vizcaya Argentaria to be Significantly Overvalued.

Key valuation signals for HAM:BOY:

  • Risk Assessment:
  • GF Value™: €12.53 vs. price of €23.23 (85.4% 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

Get the complete analysis for HAM:BOY

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

€23.23
Price
€12.53
GF Value