BBVA stock rises as capital and profit metrics stay in focus
Published on 07/31/2026 at 17:12 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS
Banco Bilbao Vizcaya Argentaria (ES0113211835) keeps BBVA stock anchored to a capital-heavy story, with the bank reporting a CET1 ratio of 12.88% at the end of 2025, a tangible buffer above many regulatory minimums and a core measure for shareholders. Its 2025 net attributable profit rose to EUR 10.05 billion, up 19% from 2024, while tangible book value per share plus dividends advanced to EUR 10.30 at year-end 2025, according to the bank's 2025 annual reporting framework referenced by BBVA investor relations.
Profit up 19% in 2025
The profit line matters because BBVA reported EUR 10.05 billion in attributable earnings for 2025, compared with EUR 8.44 billion in 2024, a year-on-year increase of 19%. That comparison gives the stock a clear reference point even without a fresh market catalyst, because it shows the scale of retained earnings behind capital, dividends, and buyback capacity.
Revenue detail also matters. BBVA said it generated EUR 35.48 billion in gross income in 2025, while the bank's efficiency work kept the cost base under control enough to leave the group with a 2025 cost-to-income ratio of 38.2%. For investors, that pairing is more informative than a single headline profit figure because it shows how operating leverage translated into bottom-line growth.
CET1 at 12.88%
BBVA ended 2025 with a fully loaded CET1 ratio of 12.88%, which places the group comfortably above its minimum regulatory requirements and supports capital return discussions. The same reporting set showed risk-weighted assets at EUR 402.3 billion at year-end 2025, a balance-sheet scale that helps explain why even small changes in capital ratios matter to the market.
The bank also reported a cost of risk of 1.35% for 2025, which gives the credit cycle context behind the earnings number. That metric is important because profitability looks more durable when loan-loss charges remain contained while income expands.
Revenue at EUR 35.48 billion
BBVA's revenue base is broad enough to matter across regions, but the most visible product line remains consumer banking, where lending, deposits, and fees all feed into group income. The bank's 2025 reporting showed a net interest income contribution that kept the group above EUR 20 billion in core banking income, reinforcing the earnings quality behind the 2025 profit figure.
That matters for the stock because the market usually values banks on a blend of earnings power, capital strength, and payout visibility. With 2025 profit at EUR 10.05 billion and CET1 at 12.88%, BBVA enters the new financial year with two hard numbers that frame both dividend capacity and regulatory flexibility.
Retail banking engine
Retail banking remains the clearest representative business line for BBVA because it connects lending volume, deposits, and fee income across Spain, Mexico, Turkey, and other markets. In 2025, the group's results showed that diversified revenue streams supported the final earnings figure rather than depending on a single business line.
That diversification matters when the market compares BBVA stock with other large European lenders, because the stock is not priced only on Spain. The bank's cross-border mix is part of the investment case, and the 2025 numbers show why.
Stock framing
BBVA stock has a valuation story built on reported capital, profit, and payout metrics rather than on a short-term trading headline. The latest visible investor-relations figures put 2025 earnings at EUR 10.05 billion, CET1 at 12.88%, and gross income at EUR 35.48 billion, which together define the stock's fundamental backdrop.
On the market side, BBVA shares trade on the Spanish exchange under the BBVA ticker, and the company remains one of the country’s most watched large-cap banks. That makes the stock especially sensitive to the next reported update on earnings quality, capital generation, and capital returns.
BBVA 2025 results and capital update
The latest annual figures show how profit, capital, and income work together in BBVA stock, with 2025 earnings, CET1, and revenue forming the main evidence set.
Company data
Company: Banco Bilbao Vizcaya Argentaria, S.A.
ISIN: ES0113211835
Ticker: BME: BBVA
Trading venue: Bolsa de Madrid
Sector / Industry: Financials / Diversified Banks
Index membership: IBEX 35
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