Want to see ES:BBVA full AI Analyst Report?
Earnings Data
Report Date
Jul 30, 2026TBA (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.52Last Year’s EPS
0.46Same Quarter Last Year
Moderate Buy
Based on 8 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized a strong operational and financial year: record net profit, robust loan growth, industry‑leading profitability and continued customer acquisition and monetization. Management acknowledged near‑term headwinds from spread compression, some elevated provisioning in specific markets (Turkey, Argentina), and capital/RWA impacts from rapid growth and year‑end technical items. They balanced this with continued capital returns (cash dividend and buyback), a healthy CET1 pre‑distributions and confidence in midterm targets supported by selective investments and AI/digital initiatives.Company Guidance
Record Net Attributable Profit
Net attributable profit reached a record EUR 10.5 billion in 2025, up 4.5% year‑over‑year in current euros; quarterly net profit remained strong above EUR 2.5 billion.
Very Strong Loan Growth
Group loan portfolio increased 16.2% year‑over‑year at constant euros (11.7% in current euros); Spain loans +8% YoY and Mexico loans +7.5% YoY (9.9% YoY excluding USD FX impact).
High Profitability Metrics
Return on tangible equity remained industry‑leading at 19.3%; earnings per share EUR 1.78 (+5.8% YoY) and 5‑year EPS CAGR ~26%.
Strong Core Revenue Momentum
Gross income grew ~16.3% YoY (constant euros) driven by net interest income (+13.9% YoY) and fee income (+14.6% YoY); several business lines (insurance, payments, wealth management, enterprise) outgrew the bank average.
Outstanding Customer Acquisition and Cross‑sell
Record 11.5 million gross new customers in 2025; evidence of monetization (Spain revenue per customer 3.7x from year 1 to year 5; in Mexico 75% of credit cards sold in 2025 to customers acquired in last 5 years).
Best‑in‑class Efficiency and Controlled Costs
Group efficiency ratio improved to 38.8% (39.3% excluding VAT one‑off); Spain cost‑to‑income 33.1% and Mexico cost‑to‑income ~30% for the year.
Solid Asset Quality and Improved Risk Metrics
Group cost of risk improved to 139 bps YTD; NPL ratios and coverage improved year‑over‑year and quarter‑over‑quarter (South America NPL 4% with >90% coverage).
Capital Position & Shareholder Returns
CET1 was 13.75% in Dec‑2025 before distributions; regular distribution proposed EUR 5.2 billion (50% payout, EUR 0.92/share, +31% vs 2024) and continued execution of EUR 4 billion extraordinary buyback (first tranche in execution).
Progress vs Strategic Plan
Management reports being on track for 2025–2028 targets (cited midterm goals including cumulative profit and distributions), with continued investments in AI, digital initiatives and prioritized growth areas (enterprises, sustainability, capital‑light businesses).
Banco Bilbao Vizcaya Argentaria (ES:BBVA) Earnings, Revenues Date & History
ES: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
ES:BBVA Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 30, 2026 | €18.48 | €18.81 | +1.81% |
Feb 05, 2026 | €21.35 | €19.46 | -8.81% |
Oct 30, 2025 | €16.87 | €16.59 | -1.71% |
Jul 31, 2025 | €13.02 | €14.05 | +7.97% |
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 Vizcaya Argentaria (ES:BBVA) report earnings?
Banco Bilbao Vizcaya Argentaria (ES:BBVA) is schdueled to report earning on Jul 30, 2026, TBA (Confirmed).
What is Banco Bilbao Vizcaya Argentaria (ES:BBVA) earnings time?
Banco Bilbao Vizcaya Argentaria (ES: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 the P/E ratio of Banco Bilbao Vizcaya Argentaria stock?
The P/E ratio of Banco Bilbao Vizcaya Argentaria is N/A.
What is ES:BBVA EPS forecast?
ES:BBVA EPS forecast for the fiscal quarter 2026 (Q2) is 0.52.