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Banco Bilbao Vizcaya Argentaria (GB:BVA)
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BVA
Banco Bilbao Vizcaya Argentaria
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Banco Bilbao Vizcaya Argentaria (BVA) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Apr 30, 2026
TBA (Confirmed)
Period Ending
2026 (Q1)
Consensus EPS Forecast
0.49
Last Year’s EPS
0.45
Same Quarter Last Year
Analyst Consensus
Strong Buy
Based on 9 Analysts Ratings

Earnings Call Summary

Q4 2025
Earnings Call Date:Feb 05, 2026|
% Change Since:
|
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
BBVA guided to continue strong activity-driven revenue and profit momentum in 2026 with a group ROTE of around 20% (versus 19.3% in 2025) and a group cost-to-income below 40% (mid‑term aim ~35% by 2028); management expects solid loan growth across geographies (Spain mid‑to‑high single‑digit — Spain grew 8% in 2025 — and Mexico robust, 9.9% ex‑FX in 2025) supporting NII (Spain low‑ to mid‑single digit; Mexico mid‑ to high‑single digit) and fee growth, while maintaining cost discipline (Spain costs ex‑one‑offs ~3–4%); cost of risk should remain broadly aligned with 2025 (group YTD 139 bps; Spain 34 bps; Turkey ~194 bps in 2025/guided ~200 bps; Mexico guided higher largely due to mix at ~340 bps), and key 2025 metrics to bear in mind include net attributable profit €10.5bn (+4.5% YoY), EPS €1.78 (+5.8%), gross income +16.3% (NII +13.9%, fees +14.6%), loans +16.2% (const. €); CET1 stood at 13.75% pre‑distributions (after the €4bn extraordinary buyback CET1 falls ~105 bps to ~12.70%), the board proposes a regular €5.2bn distribution (50% payout, €0.92/sh) and is executing a €4bn buyback (first €1.5bn tranche underway), and the bank expects recurring capital generation and RWA relief of roughly 30–40 bps p.a. (2025 SRTs ~35 bps / ~€11bn RWA release).
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 (GB:BVA) 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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GB:BVA Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Apr 30, 2026
2026 (Q1)
0.48 / -
0.45―――
Feb 05, 2026
2025 (Q4)
0.43 / 0.43
0.4026.97% (+0.03)――
Oct 30, 2025
2025 (Q3)
0.44 / 0.42
0.44-4.55% (-0.02)――
Jul 31, 2025
2025 (Q2)
0.41 / 0.46
0.47-2.13% (>-0.01)――
Apr 29, 2025
2025 (Q1)
0.42 / 0.45
0.3721.62% (+0.08)――
Jan 30, 2025
2024 (Q4)
0.38 / 0.40
0.3418.24% (+0.06)――
Oct 31, 2024
2024 (Q3)
0.41 / 0.44
0.3333.33% (+0.11)――
Jul 31, 2024
2024 (Q2)
0.44 / 0.47
0.3342.42% (+0.14)――
Apr 29, 2024
2024 (Q1)
0.34 / 0.37
0.2927.59% (+0.08)――
Jan 30, 2024
2023 (Q4)
0.30 / 0.34
0.2536.00% (+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

GB:BVA Earnings-Related Price Changes

Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Feb 05, 2026
€22.14€20.20-8.76%
Oct 30, 2025
€17.25€17.54+1.68%
Jul 31, 2025
€13.33€14.35+7.65%
Apr 29, 2025
€12.12€12.22+0.83%
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 (GB:BVA) report earnings?
Banco Bilbao Vizcaya Argentaria (GB:BVA) is schdueled to report earning on Apr 30, 2026, TBA (Confirmed).
    What is Banco Bilbao Vizcaya Argentaria (GB:BVA) earnings time?
    Banco Bilbao Vizcaya Argentaria (GB:BVA) 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 the P/E ratio of Banco Bilbao Vizcaya Argentaria stock?
          The P/E ratio of Banco Bilbao Vizcaya Argentaria is N/A.
            What is GB:BVA EPS forecast?
            GB:BVA EPS forecast for the fiscal quarter 2026 (Q1) is 0.49.