The earnings call presents a strong financial performance with significant revenue growth, improved cost efficiency, and enhanced shareholder returns. While there are some minor challenges such as the rate environment affecting certain segments and limited contribution from the Bernstein JV, the positive aspects significantly outweigh the lowlights.

Company Guidance

During the Société Générale Second Quarter and Half Year 2025 Conference Call, CEO Slawomir Krupa provided updated guidance reflecting strong financial performance. The bank upgraded its 2025 targets, expecting a Return on Tangible Equity (ROTE) of around 9%. An exceptional distribution was announced, including a EUR 1 billion share buyback and an interim dividend of EUR 0.61 per share. Notably, the first half of 2025 saw a revenue increase of 8.6% compared to H1 2024, with costs decreasing by 2.6%, leading to a cost-to-income ratio of 64%, surpassing initial targets. The bank maintained strong asset quality, with a cost of risk at 24 basis points, and a CET1 ratio of 13.5% after accounting for the buyback. Krupa emphasized continued strategic execution across French Retail, Private Banking, and Global Banking, with specific growth in mortgage origination and private banking assets under management. The bank's mobility and international retail banking sectors also showed significant profitability improvements.

Strong Financial Performance

Group net income of EUR 1.5 billion in Q2 '25, up 30.6% versus Q2 '24, with a return on tangible equity of 9.7% versus 7.4% in Q2 '24. Revenue growth of 7.1% versus Q2 '24, excluding disposals.

Capital Strength and Shareholder Returns

CET1 ratio increased to 13.5% after a EUR 1 billion share buyback. Announcement of an additional share buyback of EUR 1 billion and an interim dividend of EUR 0.61 per share.

Improved Cost Efficiency

Cost-to-income ratio improved to 64% in Q2 '25, down from 68% in Q2 '24. Total costs decreased by 2.8% versus Q2 '24, excluding disposals.

Growth in Key Segments

Revenues in French Retail, Private Banking, and Insurance increased by 10.7%, and Global Banking and Investor Solutions delivered a RONE of 17.7% in H1 '25.

BoursoBank Milestone

BoursoBank reached 8 million clients, 18 months ahead of target, with assets under administration improving to EUR 70 billion.

Strong Asset Quality

Cost of risk remains low at 25 basis points, with a decrease in NPL ratio to 2.77%.

Societe Generale (SCGLY) 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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SCGLY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 30, 2025	2025 (Q3)	0.36 / -	0.322	―	―	―
Jul 31, 2025	2025 (Q2)	0.32 / 0.36	0.258	39.15% (+0.10)
Apr 30, 2025	2025 (Q1)	0.34 / 0.41	0.139	194.24% (+0.27)
Feb 06, 2025	2024 (Q4)	0.19 / 0.22	0.088	150.00% (+0.13)
Oct 31, 2024	2024 (Q3)	0.29 / 0.32	0.223	44.39% (+0.10)
Aug 01, 2024	2024 (Q2)	0.23 / 0.26	0.258	0.00% (0.00)
May 03, 2024	2024 (Q1)	0.14 / 0.14	0.228	-39.04% (-0.09)
Feb 08, 2024	2023 (Q4)	0.09 / 0.09	0.281	-68.68% (-0.19)
Nov 03, 2023	2023 (Q3)	0.18 / 0.22	0.351	-36.47% (-0.13)
Aug 03, 2023	2023 (Q2)	0.22 / 0.26	0.474	-45.57% (-0.22)

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

SCGLY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 31, 2025	$12.02	$12.81	+6.57%
Apr 30, 2025	$9.86	$10.21	+3.55%
Feb 06, 2025	$6.34	$7.14	+12.62%
Oct 31, 2024	$5.07	$5.64	+11.24%

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 Societe Generale (SCGLY) report earnings?

Societe Generale (SCGLY) is schdueled to report earning on Oct 30, 2025, Before Open (Confirmed).

What is Societe Generale (SCGLY) earnings time?

Societe Generale (SCGLY) earnings time is at Oct 30, 2025, 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 SCGLY EPS forecast?

SCGLY EPS forecast for the fiscal quarter 2025 (Q3) is 0.37.

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