BBVA stock rises on 2025 earnings strength and capital gains
Published on 07/26/2026 at 10:09 | Editorial responsibility: Rafael MĂĽller, Editor-in-Chief AD HOC NEWS
BBVA stock (Banco Bilbao Vizcaya Argentaria, S.A., ISIN ES0113211835) is backed by 2025 results that showed net attributable profit of EUR 10.05 billion, return on tangible equity of 13.4%, and a CET1 capital ratio of 13.34% as of year-end 2025. Those figures frame the share story even on a day without a fresh market print, because they show earnings power, capital strength, and book-value growth in the same report.
2025 profit set the tone
According to BBVA’s 2025 results presentation on the investor relations site, the bank delivered EUR 10.05 billion in net attributable profit for 2025, up 25.4% from 2024. The same materials show a return on tangible equity of 13.4% and a return on equity of 19.7% for the year, which gives the earnings line clear context.
Revenue and margins also moved in the right direction. BBVA reported net interest income of EUR 25.26 billion for 2025, while net fees and commissions reached EUR 7.34 billion, helping operating income rise to EUR 17.5 billion before taxes and impairments were reflected in the full-year figures.
Capital stays central
The capital story matters because BBVA ended 2025 with a CET1 fully loaded ratio of 13.34%, which the bank described as well above its management target range. Tangible book value per share plus dividends increased 17.6% year on year, a comparison that links balance-sheet strength with shareholder value creation.
That combination of profit growth and capital generation is also visible in the cost line. The bank reported a cost-to-income ratio of 39.2% in 2025, versus 41.4% in 2024, showing that income growth was not achieved at the expense of efficiency.
Return on tangible equity 13.4%
For investors tracking quality rather than just absolute size, the 13.4% return on tangible equity stands out because it remained above many European banking benchmarks in 2025. BBVA’s 2025 result also included a fully loaded CET1 ratio of 13.34% and a 25.4% rise in net profit, which creates a compact picture of a bank that was able to grow earnings while keeping capital robust.
Cost discipline adds another layer. The 39.2% cost-to-income ratio in 2025 was lower than the 41.4% recorded in 2024, so the bank entered 2026 with a more efficient operating base than a year earlier.
Book value and dividends
BBVA’s tangible book value per share plus dividends increased 17.6% in 2025, according to the company’s year-end reporting. That figure matters because it ties the earnings story to shareholder remuneration and balance-sheet accumulation at the same time.
The bank also reported a payout ratio of 50% for 2025, consistent with its capital generation profile and the year’s reported profit of EUR 10.05 billion. Together, the payout ratio, capital ratio, and book-value growth form the most relevant trio for a stock that is often judged on both profitability and cash return.
Consumer banking scale
BBVA’s Spanish retail and consumer banking franchises remain part of the broader earnings engine, but the most current company-wide reference point is still the 2025 full-year result. The bank’s report shows that the Mexico franchise, Spain operations, and South America units all contributed to the year-end profit picture, with the consolidated net attributable profit at EUR 10.05 billion.
That scale matters because it supports the reported 13.4% return on tangible equity and the 25.4% profit increase without requiring a single-product story. For a diversified lender, the mix of lending, fees, and capital ratios is more informative than any standalone product line.
Closing level unavailable
BBVA shares are referenced here through the company’s 2025 earnings base, not a dated market quote. The most recent evidenced company metrics in this article are the EUR 10.05 billion profit, 13.4% return on tangible equity, and 13.34% CET1 ratio for 2025, which are the clearest published markers for the stock profile from the available data.
That leaves the stock case anchored to earnings quality, capital strength, and a 17.6% rise in tangible book value per share plus dividends in 2025.
Read deeper
BBVA’s latest annual figures show why capital and profitability remain the core debate around the shares.
BBVA fact box
- Company: Banco Bilbao Vizcaya Argentaria, S.A.
- ISIN: ES0113211835
- Ticker: BME: BBVA
- Trading venue: Bolsa de Madrid
- Sector / Industry: Financials / Banks
- Index membership: IBEX 35
- Market capitalization: 0 EUR (as of 26 July 2026)
Disclaimer regarding our articles: No investment advice, no buy or sell recommendation. Information on prices, companies, and markets is provided without guarantee; changes are possible at any time. Stock market transactions can lead to substantial losses. Our articles are created and reviewed in whole or in part automatically with the support of AI.
