The earnings call reflects a strong performance in terms of profitability, loan growth, and strategic initiatives, despite challenges posed by currency depreciation and interest rate sensitivity. The medium-term strategic objectives reinforce a positive outlook.

Company Guidance -

Q3 2025

During BBVA's second quarter 2025 earnings call, the bank presented strong financial performance metrics and updated its midterm strategic objectives. Tangible book value per share plus dividends rose by 14.6% year-over-year, while return on tangible equity reached 20.4%. Net attributable profit for the quarter was EUR 2.749 billion, supported by high growth in net interest income and fees, which increased by 11% and 18% year-over-year, respectively. Despite currency headwinds, BBVA's CET1 capital ratio improved by 25 basis points to 13.34%. The bank also highlighted robust loan growth, with a 16% year-over-year increase at the group level, and improved its full-year guidance across key financial metrics, including a target cost-to-income ratio of 33% for its Spanish operations. Looking ahead, BBVA outlined a strategic plan aiming for a return on tangible equity of around 22% on average for 2025-2028, with expectations of mid-teens growth in tangible book value including dividends. Overall, the bank affirmed its strong position in the industry, emphasizing sustainable returns and shareholder distributions.

Strong Tangible Book Value Growth

Tangible book value per share, plus dividends, increased by 14.6% year-over-year and 2.9% in the quarter.

Record Profitability Metrics

Outstanding return on tangible equity of 20.4% and return on equity of 19.5% in the first six months of 2025.

Net Attributable Profit Growth

Net attributable profit reached EUR 2.749 billion despite falling rates and currency headwinds.

Capital Ratio Improvement

CET1 capital ratio improved by 25 basis points during the quarter, reaching 13.34%.

Loan Growth and Activity

Impressive loan growth at group level of 16% year-over-year, with Spain at 6.3% and Mexico at 11.7%.

Sustainability and Customer Acquisition

Channeling EUR 63 billion in sustainable finance in the first half of the year and acquiring 5.7 million new customers.

Spain and Mexico Performance

Spain showed strong loan growth and efficiency, while Mexico delivered solid operating income growth with a stable customer spread.

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

Daily Earnings Calendar >

GB:BVA Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 30, 2025	2025 (Q3)	0.44 / -	0.44	―	―	―
Jul 31, 2025	2025 (Q2)	0.41 / 0.46	0.47	-2.13% (>-0.01)	―	―
Apr 29, 2025	2025 (Q1)	0.42 / 0.45	0.37	21.62% (+0.08)	―	―
Jan 30, 2025	2024 (Q4)	0.38 / 0.40	0.34	18.24% (+0.06)	―	―
Oct 31, 2024	2024 (Q3)	0.41 / 0.44	0.33	33.33% (+0.11)	―	―
Jul 31, 2024	2024 (Q2)	0.44 / 0.47	0.33	42.42% (+0.14)	―	―
Apr 29, 2024	2024 (Q1)	0.34 / 0.37	0.29	27.59% (+0.08)	―	―
Jan 30, 2024	2023 (Q4)	0.30 / 0.34	0.25	36.00% (+0.09)	―	―
Oct 31, 2023	2023 (Q3)	0.34 / 0.33	0.29	13.79% (+0.04)	―	―
Jul 28, 2023	2023 (Q2)	0.30 / 0.33	0.28	17.86% (+0.05)	―	―

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
Jul 31, 2025	€13.52	€14.56	+7.69%
Apr 29, 2025	€12.30	€12.40	+0.81%
Jan 30, 2025	€10.47	€10.80	+3.15%
Oct 31, 2024	€8.62	€8.92	+3.48%

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 Oct 30, 2025, TBA (Confirmed).

What is Banco Bilbao Vizcaya Argentaria (GB:BVA) earnings time?

Banco Bilbao Vizcaya Argentaria (GB:BVA) earnings time is at Oct 30, 2025, 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 2025 (Q3) is 0.44.

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