The earnings call reflects a strong financial performance with substantial profit and loan growth, improved capital ratios, and a clear strategic plan for future growth. However, there are challenges such as the negative impact of currency hedges and economic conditions in Turkey.

Company Guidance -

Q3 2025

During BBVA's second quarter 2025 earnings call, the bank reported a strong performance with a notable increase in tangible book value per share plus dividends, which rose by 14.6% year-over-year. The return on tangible equity reached 20.4%, while net attributable profit amounted to EUR 2.749 billion. The CET1 capital ratio improved by 25 basis points to 13.34%. The bank's first-half profits increased by 9.1% year-over-year to EUR 5.447 billion. The call also highlighted robust loan growth at the group level, which increased by 16% year-over-year, with Spain and Mexico showing substantial growth. BBVA's efficiency ratio improved to 37.6%, and the cost of risk stood at 132 basis points. The bank provided guidance on its strategic goals, aiming for a 22% average ROTE from 2025 to 2028, driven by strong activity growth and improved profitability across its core markets.

Strong Profit Growth

Net attributable profit reached EUR 2.749 billion in Q2, with a 9.1% increase year-over-year, totaling EUR 5.447 billion for the first half of 2025.

Improved Capital Ratios

CET1 capital ratio improved by 25 basis points during the quarter, reaching 13.34%.

Loan Growth

Group level loan growth reached an impressive 16% year-over-year, with Spain showing 6.3% growth and Mexico 11.7%.

Efficiency Ratio Improvement

Efficiency ratio improved to 37.6%, and even when excluding VAT impacts, it stands at 38.6%.

Strategic Plan with Ambitious Goals

BBVA announced a plan targeting a 22% average ROTE, mid-teens CAGR for tangible book value, and a cumulative net attributable profit of EUR 48 billion for 2025-2028.

Banco Bilbao (BBVA) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

BBVA Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 30, 2025	2025 (Q3)	0.52 / -	0.478	―	―	―
Jul 31, 2025	2025 (Q2)	0.48 / 0.53	0.509	3.34% (+0.02)
Apr 29, 2025	2025 (Q1)	0.49 / 0.51	0.396	29.29% (+0.12)
Jan 30, 2025	2024 (Q4)	0.39 / 0.45	0.368	23.10% (+0.09)
Oct 31, 2024	2024 (Q3)	0.45 / 0.48	0.349	36.96% (+0.13)
Jul 31, 2024	2024 (Q2)	0.50 / 0.51	0.364	39.84% (+0.15)
Apr 29, 2024	2024 (Q1)	0.36 / 0.40	0.319	24.14% (+0.08)
Jan 30, 2024	2023 (Q4)	0.34 / 0.37	0.273	34.80% (+0.09)
Oct 31, 2023	2023 (Q3)	0.35 / 0.35	0.289	20.76% (+0.06)
Jul 28, 2023	2023 (Q2)	0.34 / 0.36	0.286	27.27% (+0.08)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

BBVA Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 31, 2025	$15.54	$16.73	+7.66%
Apr 29, 2025	$14.37	$14.04	-2.30%
Jan 30, 2025	$11.18	$11.39	+1.88%
Oct 31, 2024	$9.55	$9.63	+0.84%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Banco Bilbao (BBVA) report earnings?

Banco Bilbao (BBVA) is schdueled to report earning on Oct 30, 2025, TBA (Confirmed).

What is Banco Bilbao (BBVA) earnings time?

Banco Bilbao (BBVA) earnings time is at Oct 30, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is BBVA EPS forecast?

BBVA EPS forecast for the fiscal quarter 2025 (Q3) is 0.52.

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