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BBAR

Banco BBVA Argentina S.A.

BBAR

Banco BBVA Argentina S.A. • NYSE
$16.06 ▲ 0.88% (+0.14)
Market Cap $3.28 B
52w High $25.01
52w Low $7.76
Dividend Yield 0.12%
P/E 25.49
Volume 740.84K
Outstanding Shares 204.24M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q2-2025 $1.257T ▲ $566.021B ▲ $55.356B ▼ 4.404% ▼ $270 ▼ $113.446B ▼
Q1-2025 $1.07T ▼ $468.058B ▼ $78.432B ▼ 7.327% ▼ $383.64 ▼ $152.623B ▲
Q4-2024 $1.215T ▲ $798.74B ▲ $90.021B ▼ 7.407% ▼ $405.69 ▼ $69.305B ▼
Q3-2024 $892.207B ▼ $429.079B ▼ $99.673B ▼ 11.171% ▲ $488.04 ▼ $145.036B ▼
Q2-2024 $1.541T $826.834B $154.769B 10.042% $543.57 $274.634B

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q2-2025 $3.323T ▲ $19.264T ▲ $16.329T ▲ $2.879T ▲
Q1-2025 $2.451T ▼ $16.288T ▲ $13.471T ▲ $2.768T ▲
Q4-2024 $5.165T ▲ $14.72T ▲ $12.104T ▲ $2.574T ▲
Q3-2024 $3.029T ▲ $12.553T ▲ $10.162T ▲ $2.354T ▲
Q2-2024 $1.451T $9.541T $7.433T $2.076T

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $55.356B ▼ $-1.592T ▼ $-33.721B ▼ $2.367T ▲ $863.218B ▲ $-1.626T ▼
Q1-2025 $83.148B ▼ $-521.256B ▲ $-18.042B ▲ $1.292T ▲ $-614.957B ▼ $-539.411B ▲
Q4-2024 $441.08B ▲ $-1.854T ▼ $-131.223B ▼ $74.752B ▼ $-200.548B ▼ $-1.985T ▼
Q3-2024 $153.868B ▲ $-1.495T ▼ $11.981B ▲ $115.363B ▲ $1.574T ▲ $-1.482T ▼
Q2-2024 $129.478B $482.612B $-18.954B $-37.882B $177.717B $460.658B

Five-Year Company Overview

Income Statement

Income Statement BBVA Argentina has grown its business significantly over the past five years, moving from relatively modest activity to a much larger, more complex franchise. Revenue expanded strongly through 2022 and 2023, though it stepped back somewhat in 2024, which is not unusual in Argentina’s volatile environment. Despite this, profits have stayed positive and generally improved over time, suggesting better efficiency and more disciplined cost and risk management. The bank seems to be converting a reasonable share of its revenue into earnings, although the pace of growth is uneven and highly influenced by inflation, interest-rate swings, and credit conditions in the local market.

Balance Sheet

Balance Sheet The balance sheet has scaled up sharply, with total assets and customer business growing many times over from earlier levels. Cash and liquid resources have risen alongside this expansion, indicating an effort to maintain buffers in a high-risk environment. Debt has increased but remains small relative to the bank’s size and capital base, and shareholders’ equity has built up strongly over time. Overall, the bank appears better capitalized and more resilient than a few years ago, though its size and exposure to Argentina’s economy mean it is still very sensitive to policy and market shocks.

Cash Flow

Cash Flow Cash flows tell a more volatile story. In several recent years, the bank generated positive cash from its core operations and free cash flow after investments, which supports its growth and capital build-up. However, the latest year shows a large swing to negative operating and free cash flow. For a bank, this often reflects aggressive balance-sheet growth, changes in lending and deposits, or movements in central bank and government instruments rather than simple “cash burn.” Even so, the abrupt reversal highlights how quickly funding needs and liquidity can shift in Argentina, and it is an area that warrants ongoing attention.

Competitive Edge

Competitive Edge BBVA Argentina benefits from a strong global brand, a sizable national presence, and a broad mix of products serving retail customers, small and mid-sized businesses, and larger corporates. Its link to the international BBVA Group provides know-how, technology, and risk-management tools that many local competitors cannot easily match. The bank has leaned into digital channels and built a large base of online and mobile clients, which helps lower costs and deepen relationships. At the same time, it faces intense competition from other major banks and a fast-growing fintech sector, all operating in a market where regulation, inflation, and currency controls can change quickly and reshape competitive dynamics.

Innovation and R&D

Innovation and R&D Innovation is a central pillar of BBVA Argentina’s strategy. The bank is using a global data and AI platform to personalize services, improve credit decisions, and streamline operations. It has introduced fully digital branches, advanced ATMs, biometric security, and highly capable mobile banking, making most routine tasks self-service and faster for customers. Initiatives like BBVA Spark, aimed at tech start-ups and high-growth companies, show a willingness to serve new segments with tailored solutions. The institution is also exploring advanced analytics and emerging technologies, including generative AI, as well as sustainable finance products, which together can differentiate its offering if execution remains strong.

Summary

BBVA Argentina today is a much larger, more digitized, and better-capitalized bank than it was five years ago. Its income statement shows resilient profitability despite swings in revenue, while the balance sheet reflects substantial expansion with a stronger equity base. The main areas of caution are the volatility in cash flows, the structural risks of operating in Argentina’s unstable macro and regulatory environment, and rising competition from both banks and fintechs. Against that backdrop, the bank’s digital leadership, global backing from the BBVA Group, and focus on innovation and diversified lending give it meaningful strengths, but future performance will hinge on how well it manages credit quality, funding, and ongoing technological execution amid continued economic turbulence.

NEWS

November 25, 2025 · 5:07 PM UTC

BBVA Argentina Announces Third Quarter 2025 Financial Results

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November 11, 2025 · 4:30 PM UTC

BBVA Argentina announces Third Quarter 2025 Financial Results Schedule

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