The earnings call reflects a strong quarter for Barclays with significant income growth, an upgrade in RoTE guidance, and early achievement of efficiency savings. However, challenges such as the motor finance provision and increased loan loss rate were notable lowlights.

Company Guidance

During the Barclays Q3 2025 Results Analyst and Investor Conference Call, the company provided updated guidance and key metrics highlighting its financial achievements and future outlook. Barclays reported a notable 11% increase in top-line income, reaching GBP 7.2 billion, and a tangible net asset value (TNAV) per share increase to 392p. The return on tangible equity (RoTE) for Q3 was 10.6%, contributing to a year-to-date RoTE of 12.3% for 2025, prompting an upgrade of the 2025 RoTE guidance to greater than 11%. Barclays also expects group net interest income (NII) for 2025 to exceed GBP 12.6 billion. The announcement of a GBP 500 million share buyback reflects strong capital generation, supported by a CET1 ratio of 14.1%. The group remains committed to a 2026 RoTE target of more than 12% and plans to announce buybacks quarterly. Barclays aims to achieve a circa 61% cost-to-income ratio for 2025, despite additional motor finance provisions, and has already achieved GBP 500 million in gross efficiency savings, with plans to reach GBP 2 billion by 2026. All divisions reported double-digit RoTEs, with the investment bank and U.S. consumer bank showing notable improvements. Barclays is also focused on disciplined capital management, rebalancing its portfolio, and maintaining strong liquidity and funding positions.

Strong Income Growth

Top line income increased by 11% to GBP 7.2 billion from GBP 6.5 billion in the same quarter last year. Group net interest income increased 16% year-on-year to GBP 3.3 billion.

Share Buyback Announcement

Barclays announced a GBP 500 million share buyback due to strong capital generation and a CET1 ratio of 14.1%.

Improved Return on Tangible Equity (RoTE)

Third quarter RoTE was 10.6%, with year-to-date RoTE at 12.3%. All divisions generated a double-digit RoTE.

Efficiency Savings Achieved Early

Barclays achieved its circa GBP 500 million gross efficiency savings target for 2025 one quarter earlier than planned.

U.K. Lending Momentum

U.K. lending showed strong momentum with a 17% year-on-year growth in corporate lending and mortgage growth for the past five quarters.

Barclays (BCS) 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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BCS Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Feb 10, 2026	2025 (Q4)	0.41 / -	0.336	―	―	―
Oct 22, 2025	2025 (Q3)	0.54 / 0.56	0.555	0.18% (<+0.01)
Jul 29, 2025	2025 (Q2)	0.58 / 0.62	0.425	46.82% (+0.20)
Apr 30, 2025	2025 (Q1)	0.61 / 0.69	0.515	34.95% (+0.18)
Feb 13, 2025	2024 (Q4)	0.26 / 0.34	-0.035	1060.00% (+0.37)
Oct 24, 2024	2024 (Q3)	0.45 / 0.56	0.404	37.38% (+0.15)
Aug 01, 2024	2024 (Q2)	0.38 / 0.42	0.442	-3.85% (-0.02)
Apr 25, 2024	2024 (Q1)	0.46 / 0.52	0.644	-20.03% (-0.13)
Feb 20, 2024	2023 (Q4)	0.08 / -0.04	0.312	-111.22% (-0.35)
Oct 24, 2023	2023 (Q3)	0.36 / 0.40	0.428	-5.61% (-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

BCS Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Oct 22, 2025	$19.49	$20.35	+4.41%
Jul 29, 2025	$19.26	$19.89	+3.27%
Apr 30, 2025	$16.00	$15.93	-0.44%
Feb 13, 2025	$15.00	$14.17	-5.53%

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 Barclays Plc (BCS) report earnings?

Barclays Plc (BCS) is schdueled to report earning on Feb 10, 2026, Before Open (Confirmed).

What is Barclays Plc (BCS) earnings time?

Barclays Plc (BCS) earnings time is at Feb 10, 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 BCS EPS forecast?

BCS EPS forecast for the fiscal quarter 2025 (Q4) is 0.41.

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