Banco Bilbao Vizcaya Argentaria SA
LSE:BVA
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Banco Bilbao Vizcaya Argentaria SA
LSE:BVA
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Intrinsic Value
The intrinsic value of 
Banco Bilbao Vizcaya Argentaria SA (BVA) under the Base Case is 22.75 EUR per share.
Compared with the current market price of 21.8 EUR, the stock appears
Undervalued by 4% .
The intrinsic value is calculated using the DCF method.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What Banco Bilbao Vizcaya Argentaria Does
Banco Bilbao Vizcaya Argentaria, or BBVA, is a large bank that takes deposits, makes loans, and handles everyday banking for people and businesses. It serves retail customers, small and medium-sized companies, and larger corporate clients through branches, digital banking, cards, mortgages, consumer loans, and business financing. Its core job is to gather customer deposits and turn them into loans and payment services.
- Headquarters
- Spain ES
- Employees
- 123 281
- IPO date
- May 8, 2000
Banco Bilbao Vizcaya Argentaria has no economic moat
Customers can find similar accounts, loans and payment services at competing banks, giving BBVA limited protection against rivals offering better terms. Its large customer base and digital services help it compete, but do not prevent established banks and online challengers from pursuing the same customers.
Read the full moat analysis
The intrinsic value for Banco Bilbao Vizcaya Argentaria SA (BVA) under the Base Case is 22.75 EUR.
Compared with the current market price of 21.8 EUR, the stock appears Undervalued by 4% .