Eurobank reported strong financial results with significant profit growth, improved asset quality, and robust loan and deposit growth. However, challenges such as a slight decline in net interest income and increased operating costs persist. The announcement of an interim dividend and strong regional operations highlight positive momentum.

Company Guidance

During the Eurobank Holdings conference call discussing the first half of 2025 financial results, CEO Fokion Karavias and CFO Harris Kokologiannis highlighted several key metrics. Eurobank reported an adjusted net profit of EUR 711 million and a return on tangible book value of 16.6%. Net interest income rose 12% year-on-year, despite a slight quarter-on-quarter decline. Fees and commissions increased by 29% year-on-year, while the cost of risk ratio remained at 60 basis points. The NPE ratio decreased to 2.8% with coverage exceeding 90%. Core operating profit reached EUR 866 million, up 6% year-on-year, and regional operations netted EUR 374 million. Loan growth was strong, with a quarterly net increase of EUR 1 billion, prompting an upward revision of the full-year loan growth target to EUR 4 billion. Deposits also increased by EUR 1 billion in the second quarter. The total capital ratio improved to nearly 20%, bolstered by the first AT1 issuance, while the CET1 ratio stood at 15.5%. Eurobank introduced an interim cash dividend of EUR 170 million, or EUR 0.047 per share, for distribution in the fourth quarter.

Strong Financial Performance

Eurobank reported an adjusted net profit of EUR 711 million for the first half of 2025, with a return on tangible book value of 16.6%. Net interest income rose by 12% year-on-year, while fees and commissions increased by 29% year-on-year.

Loan Growth and Deposit Recovery

Loan growth continued with a quarterly net increase of EUR 1 billion, up 11% year-on-year. Deposits increased by EUR 1 billion in the second quarter.

Asset Quality and Capital Ratios

The NPE ratio decreased to 2.8% with coverage exceeding 90%. The total capital ratio increased to almost 20% following the AT1 issuance, and the CET1 ratio stood at 15.5%.

Regional Operations Growth

Regional operations performed strongly, with Cyprus net profit reaching EUR 250 million and Bulgaria's EUR 110 million.

Interim Cash Dividend Announcement

Eurobank announced a 2025 interim cash dividend of EUR 170 million, equivalent to 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

Daily Earnings Calendar >

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 (EGFEY) report earnings?

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

What is Eurobank Ergasias (EGFEY) earnings time?

Eurobank Ergasias (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.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing