The earnings call presented a strong financial performance for Banco Macro, with significant net income and comprehensive income growth, improved efficiency, and robust loan expansion. However, these positives were tempered by increased loan loss provisions, rising nonperforming loans, and higher interest expenses, indicating challenges in maintaining asset quality and managing costs.

Company Guidance

During Banco Macro's second quarter 2025 earnings call, significant financial metrics were highlighted. The bank reported a net income of ARS 149.5 billion, up 209% from the previous quarter, primarily due to increased net interest income, net fee income, and FX income, along with lower inflation-related losses. This translated into an annualized ROE and ROA of 12% and 3.5%, respectively. Total comprehensive income rose by 241% to ARS 157.1 billion. Net operating income before expenses was ARS 906.2 billion, up 13% quarter-on-quarter. Loan growth contributed to a 47% increase in loan loss provisions to ARS 103 billion. The bank's net interest margin, including FX, improved to 23.5% from 23.2% in Q1 2025. Deposit growth was 4% quarter-on-quarter, with private sector deposits up 4%, while asset quality showed a nonperforming loan ratio of 2.06%. Banco Macro maintained a strong capital position with a Tier 1 ratio of 29.9% and continued to target a 60% loan growth and 30% deposit growth for the year.

Record Net Income Growth

Banco Macro's net income totaled ARS 149.5 billion, which was 209% higher than the previous quarter, driven by higher net interest income, fee income, and FX income.

Comprehensive Income Increase

Total comprehensive income for the quarter was ARS 157.1 billion, representing a 241% increase from the previous quarter.

Net Interest Income Surge

Net interest income increased by 14% quarter-on-quarter and 163% year-on-year, driven by a significant rise in interest income.

Efficiency Ratio Improvement

The efficiency ratio improved to 33.9% from 38.2% in the previous quarter and 55.6% a year ago.

Strong Loan Growth

Private sector loans increased 13% quarter-on-quarter and 91% year-on-year, with significant growth in commercial loans.

Solid Capital and Liquidity Position

Banco Macro reported an excess capital of ARS 3.13 trillion, with a capital adequacy ratio of 30.5% and a liquidity ratio of 67%.

Banco Macro SA (BMA) 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

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BMA Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 19, 2025	2025 (Q3)	0.77 / -	1.41	―	―	―
Aug 27, 2025	2025 (Q2)	1.84 / 1.73	-3.867	144.76% (+5.60)	―
May 28, 2025	2025 (Q1)	1.11 / 0.60	4.838	-87.64% (-4.24)	―
Feb 26, 2025	2024 (Q4)	1.76 / 1.50	8.534	-82.39% (-7.03)	―
Nov 27, 2024	2024 (Q3)	2.55 / 1.41	0.328	329.88% (+1.08)	―	―
Aug 22, 2024	2024 (Q2)	1.59 / -3.87	1.972	-296.10% (-5.84)	―
May 22, 2024	2024 (Q1)	2.13 / 4.84	0.792	510.86% (+4.05)	―
Feb 28, 2024	2023 (Q4)	2.02 / 8.53	0.99	762.02% (+7.54)	―
Nov 22, 2023	2023 (Q3)	1.14 / 0.33	0.724	-54.70% (-0.40)	―	―
Aug 23, 2023	2023 (Q2)	2.46 / 1.97	0.479	311.69% (+1.49)	―

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

BMA Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 27, 2025	$57.43	$59.49	+3.59%
May 28, 2025	$88.78	$83.76	-5.65%
Feb 26, 2025	$86.96	$79.42	-8.67%
Nov 27, 2024	$81.14	$83.97	+3.49%

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 Macro SA (BMA) report earnings?

Banco Macro SA (BMA) is schdueled to report earning on Nov 19, 2025, After Close (Confirmed).

What is Banco Macro SA (BMA) earnings time?

Banco Macro SA (BMA) earnings time is at Nov 19, 2025, After Close (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 BMA EPS forecast?

BMA EPS forecast for the fiscal quarter 2025 (Q3) is 0.77.

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