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Societe Generale (SCGLY)
OTHER OTC:SCGLY
Earnings Data
Report Date
Apr 30, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.46Last Year’s EPS
0.41Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call was predominantly positive: management reported record 2025 revenues (EUR 27.3bn), record profit (EUR ~6bn), meaningful improvements in efficiency and capital (CET1 13.5%), and strong business-level performances across retail, GBIS, and International pillars. Management upgraded 2026 profitability targets and reaffirmed disciplined capital returns while maintaining liquidity and asset-quality metrics within guidance. Notable challenges include Q4 Global Markets softness (product and geographic mix effects), normalization impacts at Ayvens (lower UCS/unit results), sizable Stage 3 provisions in Q4, and a paused extraordinary buyback due to authorization limits. Overall, the highlights outweigh the lowlights, with the company signaling continued transformation, ambitious but achievable cost and profitability targets, and a clear capital-return framework.Company Guidance
Record Revenues and Strong Profitability
Group revenues reached EUR 27.3 billion in 2025 (record), with revenues up almost 7% excluding asset disposals; group net income reached ~EUR 6.0 billion; ROTE was 10.2% for the year (9.6% excl. capital gains), above the 2025 target of ~9%.
Quarterly Momentum — Q4 Net Income and Revenue Growth
Q4 2025 net income was EUR 1.4 billion, up 36% versus Q4 2024; Q4 revenues grew 6.8% versus Q4 2024 excluding disposals; Q4 cost-to-income improved to 64.6% from 69.4% in Q4 2024.
Cost Discipline and Operating Efficiency
Group operating costs decreased by 2% in 2025 (excl. disposals), ahead of the target (≥1%); management targets ~3% net cost decrease in 2026 (reported); cost-to-income improved to 63.6% in 2025 (better than the <65% 2025 target) and management aims for <60% in 2026.
Capital Strength and Shareholder Returns
CET1 ratio stood at 13.5% after Basel IV impact and extra distributions; retained earnings and actions strengthened capital by ~20 bps; Board proposed ordinary distribution of EUR 2.7 billion (up 54% vs 2024) and total distribution for 2025 of EUR 4.679 billion (up 169% vs 2024); dividend per share EUR 1.61 (up 48%) and ordinary share buyback EUR 1.462 billion (up 68%).
Strong Liquidity and Capital Ratios
Liquidity reserves at EUR 318 billion; LCR 144% and NSFR 116%, both comfortably above regulatory requirements; loan-to-deposit ratio 77%.
Broad-Based Business Contributions
All major businesses contributed: GBIS record revenues EUR 10.4 billion (up 2.6%); Global Markets revenues EUR 5.98 billion for 2025 (a 16-year high, +2.7% vs 2024); BIS RONE 16.7% (Basel IV); Financing & Advisory and other GBIS franchises delivered strong performance.
Retail, Private Banking and BoursoBank Progress
French Retail/Private Banking/Insurance revenues +4.2% vs 2024 (excl. disposals); NII up 3.1%; AUM in private banking +9% vs Q4 2024; life insurance outstandings +8%; BoursoBank added 1.9 million clients (+22% vs Q4 2024), AUA EUR 78 billion (+18%), brokerage account openings +25% and loans outstanding +9%.
Mobility & Ayvens Integration Success
Ayvens delivered on 2025 financial targets: reported revenues +15% YoY, total synergies of EUR 360 million, average used-car-sales (UCS) result for 2025 EUR 1,075 per unit (at high end of guidance), and cost-to-income 56.1% (better than guidance).
Asset Quality Within Guidance
Full-year cost of risk 26 basis points (within 25–30 bps guidance); Q4 cost of risk 29 bps; NPL ratio 2.8% and net coverage ratio 82% in Q4 2025.
ESG Recognition and Sustainable Finance Initiatives
Upgraded to AAA by MSCI (one of two major European banks with this rating); deployed a EUR 1 billion investment envelope for energy transition innovation and partnered with EIB/IFC on sustainability solutions.
SCGLY Earnings History
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
SCGLY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 06, 2026 | $17.50 | $17.16 | -1.99% |
Oct 30, 2025 | $12.82 | $12.26 | -4.39% |
Jul 31, 2025 | $11.93 | $12.71 | +6.55% |
Apr 30, 2025 | $9.79 | $10.14 | +3.61% |
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 Societe Generale (SCGLY) report earnings?
Societe Generale (SCGLY) is schdueled to report earning on Apr 30, 2026, Before Open (Confirmed).
What is Societe Generale (SCGLY) earnings time?
Societe Generale (SCGLY) earnings time is at Apr 30, 2026, Before Open (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 SCGLY EPS forecast?
SCGLY EPS forecast for the fiscal quarter 2026 (Q1) is 0.46.