Banco Bilbao Vizcaya Argentaria, S.A (BVA) Fair Value & Analysis
Financial Services · GB · Market cap €118B
Fair value as of: Jul 15, 2026
From 25 valuation models · updated 15 days ago
Share price +9.9% over the past month.
Price vs Fair Value (12 months)
12‑month range €0.1339 – €0.2300 · fair‑value band €0.2000 – €0.3300 · the €0.2290 price screens below the €0.2600 fair value. As of Jul 15, 2026.
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Banco Bilbao Vizcaya Argentaria, S.A (BVA) currently trades at €0.2290, while our model-based Fair Value estimate is €0.2600, implying the stock looks roughly 13.5% undervalued today. We read business quality at 67/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Banco Bilbao Vizcaya Argentaria, S.A generated revenue of €32.6B at a net margin of 33.1%. Revenue grew 11.9% year over year. It earns a return on equity of 19.0%. Net debt stands at €85.6B. Fundamentals as of Jul 15, 2026
Our scenario range runs from €0.2000 (bear case) to €0.3300 (bull case); at €0.2290, the current price sits within that range. For context, the median of 10 Financial Services peers we cover trades at 100% fair-value upside, at 14%, BVA screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 15, 2026. TTM = trailing twelve months.
Quality Score breakdown
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides various financial services in Spain, Mexico, Turkey, South America, Europe, the United States, and Asia. The company offers traditional retail, wholesale, investment, and transaction banking.
Full company description
Banco Bilbao Vizcaya Argentaria, S.A., together with its subsidiaries, provides various financial services in Spain, Mexico, Turkey, South America, Europe, the United States, and Asia. The company offers traditional retail, wholesale, investment, and transaction banking. It also engages in financial, insurance, asset management, and capital markets businesses, as well as digital banking. The company was formerly known as Banco Bilbao Vizcaya, S.A. and changed its name to Banco Bilbao Vizcaya Argentaria, S.A. in January 2000. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Banco Bilbao Vizcaya Argentaria, S.A reported revenue of €66.1B in FY2025 versus €21.6B in FY2021, a compound +32.3%/yr. Reported net income was €10.5B in FY2025, compounding +25.0%/yr from FY2021.
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Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 15, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| JPMorgan Chase & Co JPMC34 | R$170.06 | R$16.97 | -90% |
| Bank of America Corporation NCB | €44.04 | €3.95 | -91% |
| Industrial and Commercial Bank of China Limited IDCBY | $18.43 | $36.86 | +100% |
| China Construction Bank Corporation 601939 | ¥10.22 | ¥20.44 | +100% |
| HSBC Holdings H1SB34 | R$129.09 | R$21.12 | -84% |
| Agricultural Bank of China Limited 601288 | ¥6.36 | ¥12.72 | +100% |
| Royal Bank of Canada RY | C$275.76 | C$551.52 | +100% |
| Bank of China Limited 601988 | ¥6.22 | ¥12.44 | +100% |
| Wells Fargo & Company WFCO34 | R$108.03 | R$17.54 | -84% |
| Mitsubishi UFJ Financial Group M1UF34 | R$108.00 | R$216.00 | +100% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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