Banco Bilbao Vizcaya Argentaria (HAM:BOY) Scaled Net Operating Assets: 0.01 (As of Mar. 2026)


HAM:BOY Banco Bilbao Vizcaya Argentaria SA HAM:BOY
71 GF Score
Price €21.77
GF Value €12.44
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Banco Bilbao Vizcaya Argentaria Scaled Net Operating Assets?

Banco Bilbao Vizcaya Argentaria HAM:BOY +1.40% 71 Scaled Net Operating Assets is 0.01 as of Mar. 2026. GuruFocus rates HAM:BOY with a GF Score™ of 71/100 and a GF Value™ of €12.44 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Banco Bilbao Vizcaya Argentaria's operating assets for the quarter that ended in Mar. 2026 was €752,212 Mil. Banco Bilbao Vizcaya Argentaria's operating liabilities for the quarter that ended in Mar. 2026 was €745,899 Mil. Banco Bilbao Vizcaya Argentaria's Total Assets for the quarter that ended in Dec. 2025 was €859,576 Mil. Therefore, Banco Bilbao Vizcaya Argentaria's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.01.

HAM:BOY
71GF Score
Banco Bilbao Vizcaya Argentaria SA HAM:BOY
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Bilbao Vizcaya Argentaria Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Banco Bilbao Vizcaya Argentaria's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(789689-708478)/772402
=0.11

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=859576 - 69887
=789689

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=797780 - 89075 - 227
=708478

Banco Bilbao Vizcaya Argentaria's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(752212-745899)/859576
=0.01

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=894267 - 142055
=752212

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=833463 - 87564 - 0
=745899

* 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.

What does a Scaled Net Operating Assets of 0.01 mean?
Banco Bilbao Vizcaya Argentaria (HAM:BOY) has a Scaled Net Operating Assets of 0.01 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Banco Bilbao Vizcaya Argentaria and its competitors.
Is Banco Bilbao Vizcaya Argentaria's Scaled Net Operating Assets too high?
Banco Bilbao Vizcaya Argentaria's current Scaled Net Operating Assets is 0.01. Overall, Banco Bilbao Vizcaya Argentaria has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Bilbao Vizcaya Argentaria's Scaled Net Operating Assets compare to JPM and BAC?
Banco Bilbao Vizcaya Argentaria's Scaled Net Operating Assets of 0.01 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Banco Bilbao Vizcaya Argentaria and its competitors. Banco Bilbao Vizcaya Argentaria's current Scaled Net Operating Assets is 0.01. 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 €12.44, compared to a current price of €21.77 — trading 75% above its estimated fair value. The current Scaled Net Operating Assets is 0.01. Banco Bilbao Vizcaya Argentaria's overall GF Score™ is 71/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Banco Bilbao Vizcaya Argentaria (HAM:BOY), the current Scaled Net Operating Assets is 0.01 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 €21.77 is trading 75% above its estimated GF Value™ of €12.44. GuruFocus considers Banco Bilbao Vizcaya Argentaria to be Significantly Overvalued.

Key valuation signals for HAM:BOY:

  • Scaled Net Operating Assets: 0.01
  • GF Value™: €12.44 vs. price of €21.77 (75% above fair value)
  • GF Score™: 71/100 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.
71GF Score

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

€21.77
Price
€12.44
GF Value