The earnings call presented a generally positive outlook for BBVA, with strong profitability and growth in core areas such as loan growth and revenue. However, challenges such as currency headwinds, regulatory risks, and specific market challenges, such as in Turkey, were noted. The strategic objectives and ongoing improvements in efficiency and capital generation provide a strong foundation for future growth, though certain risks remain.

Company Guidance -

Q3 2025

During the BBVA Q2 2025 earnings call, the bank announced strong financial metrics and provided medium-term strategic objectives. Key highlights included a 14.6% year-over-year increase in tangible book value per share plus dividends and a 20.4% return on tangible equity for the first half of 2025. Despite currency headwinds, net attributable profit reached EUR 2.749 billion, with a 25 basis point increase in the CET1 capital ratio to 13.34%. The bank also reported a 16% year-over-year loan growth at the group level, with a notable 6.3% and 11.7% growth in Spain and Mexico, respectively. The efficiency ratio improved to 37.6%, and BBVA raised its full-year guidance for key financial metrics. Looking to the medium term, BBVA aims for a 22% average return on tangible equity from 2025 to 2028 and plans to distribute a significant portion of its capital, projecting EUR 36 billion available for shareholder distributions over the period.

Record Profitability and Capital Ratio

BBVA reported a strong return on tangible equity of 20.4% and a return on equity of 19.5% for the first six months of 2025. The CET1 capital ratio improved by 25 basis points to 13.34% during the quarter.

Impressive Net Attributable Profit

The net attributable profit reached EUR 2.749 billion despite falling rates and currency headwinds, with extraordinary items contributing approximately EUR 150 million.

Loan Growth

BBVA experienced an impressive 16% year-over-year loan growth at the group level. In Spain, loan growth was 6.3% year-over-year, and in Mexico, it was 11.7% year-over-year.

Positive Revenue Trends

Core revenues increased with net interest income and fees growing 11% and 18% year-over-year, respectively. Gross income grew by 20% in constant euros year-over-year.

Efficiency Improvements

The efficiency ratio showed significant improvement, reaching 37.6% with positive jaws and limited growth in impairments.

Strategic Growth and Sustainability

BBVA announced strategic objectives targeting market share gains and increased profitability, focusing on new customer acquisition and sustainability, with a goal to channel EUR 700 billion in sustainable finance by 2029.

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)	0.42 / -	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 0.42.

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