HAM:BOY'
s ROE % Range Over the Past 10 Years
Min: 2.8 Med: 11.04 Max: 19.07
Current: 19.07
During the past 13 years, Banco Bilbao Vizcaya Argentaria's highest ROE % was 19.07%. The lowest was 2.80%. And the median was 11.04%.
HAM:BOY's ROE % is ranked better than 90.49% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs HAM:BOY: 19.07
Banco Bilbao Vizcaya Argentaria (HAM:BOY) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Banco Bilbao Vizcaya Argentaria ROE % Related Terms
Banco Bilbao Vizcaya Argentaria ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Bilbao Vizcaya Argentaria's ROE % distribution charts can be found below:
* The bar in red indicates where Banco Bilbao Vizcaya Argentaria's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Banco Bilbao Vizcaya Argentaria (HAM:BOY) has a ROE % of 21.04% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Banco Bilbao Vizcaya Argentaria and its competitors. This is 91% above median its historical median of 11.04. Over the past decade, Banco Bilbao Vizcaya Argentaria's ROE % has ranged from 2.80 to 19.07. According to the industry distribution chart, Banco Bilbao Vizcaya Argentaria ranks #145 out of 1524 companies in the Banks industry, placing it in the top 9.5%.
Is Banco Bilbao Vizcaya Argentaria's ROE % too high?
Banco Bilbao Vizcaya Argentaria's current ROE % of 21.04% is 91% above median its 10-year median of 11.04. Over the past 10 years, this metric has ranged from a low of 2.80 to a high of 19.07. The Banks industry median ROE % is 10.22. Banco Bilbao Vizcaya Argentaria's value of 21.04% is 105.9% above this industry median. Based on the distribution chart, Banco Bilbao Vizcaya Argentaria ranks #145 out of 1524 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 ROE % compare to JPM and BAC?
According to the Banks industry distribution chart, Banco Bilbao Vizcaya Argentaria ranks #145 out of 1524 companies for ROE %. This places Banco Bilbao Vizcaya Argentaria in the top 10% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Banco Bilbao Vizcaya Argentaria's value of 21.04% is 105.9% above this benchmark. Historically, Banco Bilbao Vizcaya Argentaria's own ROE % has ranged from 2.80 to 19.07 over the past decade. While the company's 10-year median is 11.04 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Bilbao Vizcaya Argentaria's current ROE % of 21.04% is 105.9% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Banco Bilbao Vizcaya Argentaria and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Bilbao Vizcaya Argentaria's current ROE % is 21.04%, which is 91% above median its own 10-year median of 11.04. 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 €12.43, compared to a current price of €21.58 — trading 73.6% above its estimated fair value. The current ROE % is 21.04%, which is 91% above median its 10-year median of 11.04 and 105.9% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Banco Bilbao Vizcaya Argentaria (HAM:BOY), the current ROE % is 21.04% 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 (HAM:BOY) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Bilbao Vizcaya Argentaria stock appears to be overvalued.
The current stock price of €21.58 is trading 73.6% above its estimated GF Value™ of €12.43.
GuruFocus considers Banco Bilbao Vizcaya Argentaria to be Significantly Overvalued.
Key valuation signals for HAM:BOY:
ROE %: 21.04% (91% above median its 10-year median of 11.04)
GF Value™: €12.43 vs. price of €21.58 (73.6% above fair value)
Industry Position: 105.9% above the Banks median (#145 of 1524)
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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