Banco BBVA Argentina S.A. operates as a financial services provider in Argentina, extending a comprehensive suite of banking products and solutions to ...
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Est. EPS $773.69 · Revenue $1.14T · 1 analysts
Est. EPS $875.44 · Revenue $1.22T · 1 analysts
Est. EPS $2214.54 · Revenue $4.30T · 1 analysts
Est. EPS $863.17 · Revenue $1.53T · 1 analysts
$0.00 per share
$0.00 per share
EPS ARS 657.24 · Revenue ARS 1.67T
EPS ARS 384.00 · Revenue ARS 1.81T
EPS ARS 1543.02 · Revenue ARS 5.63T
EPS ARS 171.78 · Revenue ARS 1.60T
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $5633.0B | +8.3% | -7.7% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $315.1B | -12.6% | +71.2% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +54.8% | -16.8% | -7.4% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +9.2% | +8.8% | +58.3% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +5.6% | -19.3% | +85.5% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $1630.6B | +130.5% | +319.8% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +28.9% | +128.2% | +354.9% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 57.1% | +321.1% | +82.1% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.37x | -45.0% | — |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $25408.4B | +72.6% | +10.3% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 1543.02 vs 980.65 | +57.3% | 657.24 vs 705.44 | -6.8% |
| Revenue Surprise | $5633.0B vs $3474.0B | +62.1% | $1670.6B vs $1103.5B | +51.4% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 28, 2026 | DURO RUIZ SOLEDAD | director: | — | — | 0 | — |
| Mar 18, 2026 | LUNA JORGE DELFIN | director: | — | — | 0 | — |
| Mar 18, 2026 | INCERA MARIA VERONICA | officer | — | — | 0 | — |
| Mar 18, 2026 | GONZALEZ CORREAS EDUARDO | officer | — | — | 0 | — |
| Mar 18, 2026 | Francia Guerrero Beatriz | officer | — | — | 0 | — |
Operator: Good morning, everyone, and welcome to BBVA Argentina's Second Quarter 2026 Results Conference Call. Today with us are Mrs. Belén Fourcade, Investor Relations Manager; Diego Cesarini, IRO and Head of Assets and Liability Management; and Carmen Morillo Arroyo, CFO. This presentation and the second quarter 2026 earnings release are available on BBVA Argentina's Investor Relations website, ir.bbva.com.ar, and will also be available for download in the chat. First of all, let me point out that some of the statements made during this conference call may be forward-looking statements with the meaning of the safe harbor provision found in Section 27A of the Securities Act of 1933 under U.S. federal securities law. These forward-looking statements are subject to risks and uncertainties that could cause actual results to differ materially from those expressed in the forward-looking statements. Additional information concerning these factors is contained in BBVA Argentina's annual report on Form 20-F for the fiscal year 2025 filed with the U.S. Securities and Exchange Commission. I will now turn the call over to Belén Fourcade. Please go ahead. María Belén Fourcade: Good morning, everyone, and thank you for joining us today for BBVA Argentina's Second Quarter 2026 Results Conference Call. During the second quarter of 2026, inflation continued to decline, reinforcing expectations that this trend will further consolidate. This environment should support a recovery in credit and consumption together with an improvement in real incomes. Economic activity, while showing differences across sectors is displaying signs of overall growth. In addition, announcements and approvals of projects under the RIGI continued, totaling more than $15 billion during the quarter with the potential to increase capital inflows and strengthen the trade balance. The treasury also made progress in improving its debt maturity profile. It extended a significant portion of local currency maturities to 2028 and 2029 and in foreign currency, lengthened the maturities of repo agreements with banks and the swap agreement with China, while also securing financing backed by the IFI guarantees. These developments, together with reserve purchases of more than $13 billion are helping to reduce uncertainty and strengthen the macroeconomic outlook. The second quarter showed early signs of a recovery in lending activity, gradually reflecting the effects of the decline in interest rates and more favorable seasonality, although still affected by elevated delinquency levels. Moving into our financial highlights for the quarter. BBVA Argentina posted an inflation-adjusted net income of ARS 131.6 billion for the second quarter of 2026. This represents a 44.6% increase quarter-over-quarter, driven by the operating income remaining relatively stable in a lower inflation environment. This bottom line expansion boosted our quarterly ROE to 12.2%. In spite of net interest income being affected by …
| Name | Title | Gender | Year Born | Status |
|---|---|---|---|---|
Beatriz Francia Guerrero | Chief Internal Control & Compliance Officer | Male | 1981 | Active |
Diego Cesarini | Head of Financial Management & Investor Relations | Male | — | Active |
Leandro Alvarez | Chief Engineering & Data Officer | Male | 1970 | Active |
Carmen Morillo Arroyo | Chief Financial Officer | Female | 1976 | Active |
Gerardo Mario Fiandrino | Chief Risk Officer | Male | 1965 | Active |
Jorge Alberto Bledel | Chief Executive Officer | Male | 1980 | Active |
Maria Veronica Incera | Chief Corporation & Investment Banking Officer | Female | 1970 | Active |
Rocío Carreras | Alternate Head of Market Relations | Female | — | Active |
Eduardo Gonzalez Correas | Chief Legal Officer and Head of Market & Industry Relations | Male | 1982 | Active |
Rubén Lemme | Head of Integrity | — | — | Active |
Banco BBVA Argentina S.A. offers high-risk, high-reward exposure to Argentine President Javier Milei's economic reform agenda. BBAR's Q2 results showed sequential improvement: net income up sharply from Q1, ROE rebounding to 12.2%, and consumer lending expansion underway. Valuation remains attractive at 1.1x book, well below historical highs; upside hinges on the 2027 presidential election outcome.
Banco BBVA Argentina S.A. shows early signs of earnings recovery, with Q2 ROE improving to 12.2% and fee income strengthening. Management expects real loan growth of 10% in 2026 and aims to outpace the market, leveraging strong liquidity and capital ratios. Credit quality remains a concern, with NPL ratio at 6.09% and cost of risk projected at 6.5% for 2026, though some metrics are stabilizing.
Banco BBVA Argentina S.A. (BBAR) Q2 2026 Earnings Call Transcript
BBVA Banco Frances NYSE: BBAR reported inflation-adjusted net income of ARS 131.6 billion for the second quarter of 2026, up 44.6% from the prior quarter, as Argentina's lower-inflation environment supported relatively stable operating income. The bank's quarterly return on equity rose to 12.2% from 8.3% in the first quarter.
BUENOS AIRES--(BUSINESS WIRE)--Banco BBVA Argentina S.A (NYSE; BYMA; MAE: BBAR; LATIBEX: XBBAR) (“BBVA Argentina” or “BBVA” or “the Bank”) announced today its consolidated results for the second quarter (2Q26), ended on June 30, 2026. As of January 1, 2020, the Bank started to inform its inflation adjusted results pursuant to IAS 29 reporting. To facilitate comparison, figures of comparable quarters of 2025 and 2026 have been updated according to IAS 29 reporting to reflect the accumulated effe.
