The earnings call reflected strong financial performance with significant growth in net interest income, fees, and commissions, alongside improved asset quality and revised loan growth targets. However, challenges included a decline in ECB interest rates and increased operating costs. The introduction of an interim cash dividend and strong asset quality improvements contribute positively to the sentiment.

Company Guidance -

Q3 2025

During the Eurobank Holdings conference call, the company provided guidance reflecting strong financial performance in the first half of 2025. The bank reported an adjusted net profit of EUR 711 million, with an impressive return on tangible book value of 16.6%. Net interest income increased by 12% year-on-year, while fees and commissions rose 29% year-on-year. The NPE ratio decreased to 2.8% with a coverage exceeding 90%, and the core operating profit reached EUR 866 million, up by more than 6% year-on-year. Eurobank revised its full-year loan growth target upward from EUR 3.5 billion to EUR 4 billion and announced a 2025 interim cash dividend of EUR 170 million, reflecting a proactive approach to shareholder returns. The total capital ratio was strengthened to nearly 20% following the successful AT1 issuance, with a CET1 ratio of 15.5%. The management anticipates exceeding the initial annual target for return on tangible book value of 15%, buoyed by robust lending expansion, strong regional performance, and strategic cost optimization initiatives.

Robust Financial Performance

Eurobank reported an adjusted net profit of EUR 711 million and a return on tangible book value of 16.6% for the first half of 2025.

Increase in Net Interest Income

Net interest income rose by 12% year-on-year, with a deceleration in the quarter-on-quarter drop to less than 1%.

Strong Fee and Commission Growth

Fees and commissions were up by 29% year-on-year, supported by strong performance in the second quarter.

Loan Growth Targets Revised Upwards

Full-year loan growth target was revised upwards from EUR 3.5 billion to EUR 4 billion.

Improved Asset Quality

The NPE ratio decreased to 2.8% and coverage exceeded 90%.

Interim Cash Dividend

The bank announced a 2025 interim cash dividend of EUR 170 million, or EUR 0.047 per share.

Eurobank Ergasias SA (EGFEY) 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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EGFEY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 30, 2025	2025 (Q3)	0.06 / -	0.06	―	―	―
Jul 31, 2025	2025 (Q2)	0.06 / 0.06	0.054	5.56% (<+0.01)
May 08, 2025	2025 (Q1)	0.05 / 0.05	0.044	15.91% (<+0.01)
Feb 27, 2025	2024 (Q4)	0.05 / 0.05	0.022	113.64% (+0.03)
Nov 07, 2024	2024 (Q3)	0.05 / 0.06	0.043	39.53% (+0.02)
Jul 31, 2024	2024 (Q2)	0.04 / 0.05	0.044	22.73% (+0.01)
May 16, 2024	2024 (Q1)	0.05 / 0.04	0.032	37.50% (+0.01)
Mar 07, 2024	2023 (Q4)	0.04 / 0.02	0.038	-42.11% (-0.02)
Nov 07, 2023	2023 (Q3)	0.04 / 0.04	0.018	138.89% (+0.02)
Jul 31, 2023	2023 (Q2)	0.04 / 0.04	0.061	-27.87% (-0.02)

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

EGFEY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 31, 2025	$1.85	$1.85	0.00%
May 08, 2025	$1.35	$1.32	-2.22%
Feb 27, 2025	$1.26	$1.26	0.00%
Nov 07, 2024	$1.04	$1.04	0.00%

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 Eurobank Ergasias SA (EGFEY) report earnings?

Eurobank Ergasias SA (EGFEY) is schdueled to report earning on Oct 30, 2025, TBA (Confirmed).

What is Eurobank Ergasias SA (EGFEY) earnings time?

Eurobank Ergasias SA (EGFEY) 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 EGFEY EPS forecast?

EGFEY EPS forecast for the fiscal quarter 2025 (Q3) is 0.06.

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