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BBVA

Banco Bilbao Vizcaya Argentaria, S.A.

Financial Services · $157.8B market cap

Verdict

Share price

$26.98

close of Oct 3, 2026

Fair value

$31.98

Sticker Price

Payback Price

$12.79

buy price

Undervalued

BBVA is Undervalued: at $26.98 it trades 16% below its fair value of $31.98. Its buy price (Payback Price) is $12.79, 53% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth3.4% a year✗
Equity per share growth0.6% a year✗
Sales growth1.1% a year✗
Free cash flow growth9.0% a year✗
Return on invested capital3.9%✗

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About Banco Bilbao Vizcaya Argentaria, S.A.

Banco Bilbao Vizcaya Argentaria, S.A., established in Bilbao, Spain, in 1857, operates as a comprehensive global financial services provider through its various subsidiaries. The institution specializes in retail banking, wholesale banking, and asset management. Its extensive product offerings include everyday current accounts, a variety of deposit options such as demand, savings, overnight, time, term, and…

Banks - Diversified

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works