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Earnings Data
Report Date
Jul 30, 2026TBA (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.61Last Year’s EPS
0.53Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call portrays a strongly positive operational and financial performance for 2025: record profit, very strong loan and fee growth, best‑in‑class efficiency metrics, broad market share gains, large customer acquisition and robust country results (Spain, Mexico, South America, Rest of Business). Headwinds include spread compression from falling rates, higher RWAs from rapid growth, some country-specific one-offs (Turkey tax change) and above-inflation cost growth driven by investments and base effects. Management emphasizes disciplined capital deployment, continued shareholder returns (dividend and buyback), and confidence in meeting midterm targets, while noting sensitivities to macro (rates, inflation, FX) in certain markets.Company Guidance
Record Net Profit
Net attributable profit reached a record EUR 10.5 billion in 2025, up 4.5% year-over-year in current euros.
Strong Loan Growth
Loan portfolio expanded 16.2% year-over-year in constant euros (11.7% in current euros), with particularly strong activity in Spain and Mexico (Spain +8% YoY; Mexico +7.5% YoY or +9.9% excl. USD FX impact).
Outstanding Profitability Metrics
Return on tangible equity (RoTE) remained industry-leading at 19.3%; earnings per share (EPS) rose to EUR 1.78, +5.8% YoY (5‑year CAGR ~26%).
Record Customer Acquisition
11.5 million gross new customers acquired in 2025; example monetization metrics: revenue per customer in Spain grows ~3.7x from year 1 to year 5; in Mexico, 75% of new credit cards sold in 2025 went to customers acquired in the previous five years.
Core Revenue and Fee Momentum
Gross income grew 16.3% YoY in constant euros driven by NII growth of 13.9% and fee income growth of 14.6%.
Best‑in‑class Efficiency
Group efficiency ratio improved to 38.8%; Spain cost-to-income remained best-in-class at 33.1%; Mexico cost-to-income ~30%.
Strong Country Results
Spain net profit EUR 4.1 billion (double‑digit growth) with loan growth +8% and cost of risk 34 bps; Mexico delivered robust core revenue growth (~+8% YoY), Q4 net profit ~EUR 1.4 billion; Turkey net profit EUR 805 million with strong NII recovery.
Improving Asset Quality
Group cost of risk improved to 139 bps YTD; NPL ratios and coverage improved year-over-year and quarter-over-quarter across many geographies (South America NPL ~4%, coverage >90%).
Capital Generation and Shareholder Returns
CET1 stood at 13.75% (Dec 2025) before distributions; regular payout proposed EUR 5.2 billion (50% payout; EUR 0.92/share, +31% vs 2024) and continuing execution of the EUR 4 billion extraordinary buyback (first tranche EUR 1.5 billion). Earnings contributed ~64 bps to CET1 in the year.
Rest of Business & Fee Growth
Rest of business net profit EUR 627 million (vs EUR 485 million in 2024); NII +15.9% YoY; fee income showing strong growth in transactional and investment banking.
BBVA 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
BBVA Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 30, 2026 | $21.29 | $22.12 | +3.90% |
Feb 05, 2026 | $25.04 | $22.63 | -9.62% |
Oct 30, 2025 | $19.51 | $19.16 | -1.82% |
Jul 31, 2025 | $14.94 | $16.08 | +7.65% |
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 Viscaya Argentaria (BBVA) report earnings?
Banco Bilbao Viscaya Argentaria (BBVA) is schdueled to report earning on Jul 30, 2026, TBA (Confirmed).
What is Banco Bilbao Viscaya Argentaria (BBVA) earnings time?
Banco Bilbao Viscaya Argentaria (BBVA) earnings time is at Jul 30, 2026, 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 2026 (Q2) is 0.61.