Banco Bilbao (BBVA) Earnings Dates, Call Summary & Reports

Q: When does Banco Bilbao Viscaya Argentaria (BBVA) report earnings?

Banco Bilbao Viscaya Argentaria (BBVA) is schdueled to report earning on Apr 30, 2026, TBA (Confirmed).

Q: What is Banco Bilbao Viscaya Argentaria (BBVA) earnings time?

Banco Bilbao Viscaya Argentaria (BBVA) earnings time is at Apr 30, 2026, TBA (Confirmed).

Q: Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

Q: What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

Q: What is BBVA EPS forecast?

BBVA EPS forecast for the fiscal quarter 2026 (Q1) is 0.6.

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Earnings Data

Report Date

Apr 30, 2026

TBA (Confirmed)

Period Ending

2026 (Q1)

Consensus EPS Forecast

0.6

Last Year’s EPS

0.51

Same Quarter Last Year

Analyst Consensus

―

Based on 0 Analysts Ratings

Earnings Call Summary

Q4 2025

Earnings Call Date:Feb 05, 2026|

% Change Since:

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

Management guided that 2026 should see continued strong activity-driven revenue and loan growth with group return on tangible equity around 20% (above 2025), a cost-to-income ratio below 40% (with a mid‑term ambition ~35% by 2028) and cost of risk broadly aligned with 2025 (group cost of risk ~139 bps in 2025); they expect solid NII and overall revenue growth (Mexico NII guided mid‑ to high single digits), sustained loan growth across geographies, and disciplined costs (Spain/Centre affected by base effects but underlying cost growth ~3–4%); capital targets remain to return excess above a 12% CET1 (CET1 was 13.75% pre‑distributions and 12.70% after the announced EUR 4bn buyback that reduces CET1 by ~105 bps), with a regular 2025 payout of EUR 5.2bn (50% payout, EUR 0.92/sh — EUR 0.60 final + EUR 0.32 already paid) and execution of the EUR 4bn extraordinary buyback (EUR 993m executed plus a EUR 1.5bn tranche in progress); management reiterated mid‑term financial targets (cumulative ~EUR 48bn net profits and ~EUR 36bn capital returned over 2025–28) and expects SRT/RWA relief of roughly 30–40 bps per year while gross income and core lines should continue to benefit from the strong 2025 momentum (2025: net attributable profit EUR 10.5bn, EPS EUR 1.78, gross income +16.3% constant euros with NII +13.9% and fees +14.6%, loans +16.2% constant euros, 11.5m gross new customers).

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.

Banco Bilbao (BBVA) 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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BBVA Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Apr 30, 2026	2026 (Q1)	0.60 / -	0.512	―	―	―
Feb 05, 2026	2025 (Q4)	0.51 / 0.51	0.453	11.92% (+0.05)
Oct 30, 2025	2025 (Q3)	0.52 / 0.49	0.478	1.67% (<+0.01)
Jul 31, 2025	2025 (Q2)	0.48 / 0.53	0.509	3.34% (+0.02)
Apr 29, 2025	2025 (Q1)	0.49 / 0.51	0.396	29.29% (+0.12)
Jan 30, 2025	2024 (Q4)	0.39 / 0.45	0.368	23.10% (+0.09)
Oct 31, 2024	2024 (Q3)	0.45 / 0.48	0.349	36.96% (+0.13)
Jul 31, 2024	2024 (Q2)	0.50 / 0.51	0.364	39.84% (+0.15)
Apr 29, 2024	2024 (Q1)	0.36 / 0.40	0.319	24.14% (+0.08)
Jan 30, 2024	2023 (Q4)	0.34 / 0.37	0.273	34.80% (+0.09)

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
Feb 05, 2026	$25.67	$23.20	-9.62%
Oct 30, 2025	$20.00	$19.64	-1.82%
Jul 31, 2025	$15.31	$16.48	+7.66%
Apr 29, 2025	$14.16	$13.83	-2.30%

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 Apr 30, 2026, TBA (Confirmed).

What is Banco Bilbao Viscaya Argentaria (BBVA) earnings time?

Banco Bilbao Viscaya Argentaria (BBVA) earnings time is at Apr 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 (Q1) is 0.6.