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Banco Bilbao Vizcaya ArgentariaFRA:BOY -1.26%72 5-Year Yield-on-Cost % is 24.71 as of Jul. 26, 2026, which is 21% below its 10-year median of 31.28. GuruFocus rates FRA:BOY with a GF Score™ of 72/100 and a GF Value™ of €12.54 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,252 Banks companies, Banco Bilbao Vizcaya Argentaria ranks better than 96.57% on this metric.
The historical rank and industry rank for Banco Bilbao Vizcaya Argentaria's 5-Year Yield-on-Cost % or its related term are showing as below:
FRA:BOY'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 5.84 Med: 31.28 Max: 99.12
Current: 24.71
During the past 13 years, Banco Bilbao Vizcaya Argentaria's highest Yield on Cost was 99.12. The lowest was 5.84. And the median was 31.28.
FRA:BOY's 5-Year Yield-on-Cost % is ranked better than 96.57% of 1252
companies
in the Banks industry
Industry Median: 3.875
vs FRA:BOY: 24.71
Banco Bilbao Vizcaya Argentaria (FRA:BOY) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Banco Bilbao Vizcaya Argentaria 5-Year Yield-on-Cost % Related Terms
FRA:BOY vs JPM, BAC, WFC: 5-Year Yield-on-Cost % Comparison
For the Banks - Diversified subindustry, Banco Bilbao Vizcaya Argentaria's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Bilbao Vizcaya Argentaria's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Banco Bilbao Vizcaya Argentaria's 5-Year Yield-on-Cost % falls into.
Banco Bilbao Vizcaya Argentaria 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Banco Bilbao Vizcaya Argentaria (FRA:BOY) has a 5-Year Yield-on-Cost % of 24.71 as of Jul. 26, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Banco Bilbao Vizcaya Argentaria and its competitors. This is 21% below median its historical median of 31.28. Over the past decade, Banco Bilbao Vizcaya Argentaria's 5-Year Yield-on-Cost % has ranged from 5.84 to 99.12. According to the industry distribution chart, Banco Bilbao Vizcaya Argentaria ranks #43 out of 1252 companies in the Banks industry, placing it in the top 3.4%.
Is Banco Bilbao Vizcaya Argentaria's 5-Year Yield-on-Cost % too high?
Banco Bilbao Vizcaya Argentaria's current 5-Year Yield-on-Cost % of 24.71 is 21% below median its 10-year median of 31.28. Over the past 10 years, this metric has ranged from a low of 5.84 to a high of 99.12. The Banks industry median 5-Year Yield-on-Cost % is 3.88. Banco Bilbao Vizcaya Argentaria's value of 24.71 is 537.7% above this industry median. Based on the distribution chart, Banco Bilbao Vizcaya Argentaria ranks #43 out of 1252 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 5-Year Yield-on-Cost % compare to JPM and BAC?
According to the Banks industry distribution chart, Banco Bilbao Vizcaya Argentaria ranks #43 out of 1252 companies for 5-Year Yield-on-Cost %. This places Banco Bilbao Vizcaya Argentaria in the top 3% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.88. Banco Bilbao Vizcaya Argentaria's value of 24.71 is 537.7% above this benchmark. Historically, Banco Bilbao Vizcaya Argentaria's own 5-Year Yield-on-Cost % has ranged from 5.84 to 99.12 over the past decade. While the company's 10-year median is 31.28 vs. the industry median of 3.88, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.88, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Banco Bilbao Vizcaya Argentaria's current 5-Year Yield-on-Cost % of 24.71 is 537.7% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Banco Bilbao Vizcaya Argentaria and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Bilbao Vizcaya Argentaria's current 5-Year Yield-on-Cost % is 24.71, which is 21% below median its own 10-year median of 31.28. 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 €12.54, compared to a current price of €22.68 — trading 80.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 24.71, which is 21% below median its 10-year median of 31.28 and 537.7% above the Banks industry median of 3.88. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Banco Bilbao Vizcaya Argentaria (FRA:BOY), the current 5-Year Yield-on-Cost % is 24.71 as of Jul. 26, 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 €22.68 is trading 80.9% above its estimated GF Value™ of €12.54.
GuruFocus considers Banco Bilbao Vizcaya Argentaria to be Significantly Overvalued.
Key valuation signals for FRA:BOY:
5-Year Yield-on-Cost %: 24.71 (21% below median its 10-year median of 31.28)
GF Value™: €12.54 vs. price of €22.68 (80.9% above fair value)
Industry Position: 537.7% above the Banks median (#43 of 1252)
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
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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