NYSE : BBAR
Banco BBVA Argentina S.A. — Financial statements
Financials · Banks - Regional · Argentina
Last price 11.94 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 2.63B
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Financial statements
Income statement
Fiscal year January - December; amounts in ARS.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 5.67T | 5.30T | 6.18T | 6.93T | 1.96T | 418.34B |
| Total Interest Income | 5.67T | 5.30T | 6.18T | 6.93T | 1.96T | 418.34B |
| Interest Paid on Deposits | 2.66T | 2.57T | 2.32T | 3.39T | 902.80B | 178.06B |
| Total Interest Expense | 2.66T | 2.57T | 2.32T | 3.39T | 902.80B | 178.06B |
| Net Interest Income | 3.02T | 2.72T | 3.86T | 3.55T | 1.06T | 240.28B |
| Gain (Loss) on Sale of Assets | -1.02B | -1.02B | -49.45B | -518.96M | 1.42B | -75.82M |
| Gain (Loss) on Sale of Investments | 187.49B | 285.35B | 531.29B | -16.56B | 52.55B | -238.23M |
| Other Non-Interest Income | 1.03T | 936.99B | 612.32B | 959.29B | 240.15B | 80.69B |
| Total Non-Interest Income | 1.22T | 1.22T | 1.09T | 942.21B | 294.12B | 80.38B |
| Revenues Before Loan Losses | 4.24T | 3.94T | 4.95T | 4.49T | 1.35T | 320.66B |
| Provision for Loan Losses | 1.04T | 805.08B | 286.32B | 166.33B | 60.66B | 24.88B |
| Revenue | 3.19T | 3.14T | 4.67T | 4.32T | 1.29T | 295.78B |
| Salaries and Employee Benefits | 632.91B | 603.91B | 678.26B | 540.27B | 211.69B | 61.12B |
| Occupancy Expenses | 121.30B | 111.14B | 104.73B | 62.45B | 34.17B | 10.87B |
| Selling, General & Administrative | 505.91B | 562.13B | 578.98B | 428.44B | 167.17B | 49.69B |
| Other Non-Interest Expense | 1.48T | 1.43T | 2.71T | 2.63T | 671.39B | 141.88B |
| Total Non-Interest Expense | 2.73T | 2.70T | 4.08T | 3.66T | 1.09T | 263.67B |
| EBT Excluding Unusual Items | 459.63B | 443.54B | 590.15B | 663.24B | 204.62B | 32.11B |
| Legal Settlements | -474.22M | |||||
| Other Unusual Items | -14.06B | -14.06B | -5.45B | -5.54B | -4.60B | |
| Pretax Income | 445.57B | 429.48B | 584.70B | 657.70B | 192.63B | 27.23B |
| Income Tax Expense | 150.76B | 162.06B | 114.21B | 298.53B | 12.22B | 9.00B |
| Earnings From Continuing Operations | 294.82B | 267.42B | 470.49B | 359.18B | 180.41B | 18.22B |
| Minority Interest in Earnings | -19.45B | -17.43B | -5.80B | -865.03M | 2.74B | 83.60M |
| Net Income | 275.37B | 249.99B | 464.68B | 358.31B | 183.15B | 18.31B |
| Net Income to Common | 275.37B | 249.99B | 464.68B | 358.31B | 183.15B | 18.31B |
| Basic Shares Outstanding | 612.71M | 612.71M | 612.71M | 612.71M | 612.71M | 612.71M |
| Diluted Shares Outstanding | 612.71M | 612.71M | 612.71M | 612.71M | 612.71M | 612.71M |
| EPS (Basic) | 449.43 | 408.01 | 758.41 | 584.80 | 298.92 | 29.88 |
| EPS (Diluted) | 449.43 | 408.01 | 758.41 | 584.80 | 298.92 | 29.88 |
| Dividend Per Share | 145.93 | 702.27 | 12.53 | |||
| Effective Tax Rate | 33.83% | 37.73% | 19.53% | 45.39% | 6.34% | 33.06% |
Balance sheet
Fiscal year January - December; amounts in ARS.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 2.49T | 2.57T | 2.72T | 1.71T | 420.03B | 425.19B |
| Investment Securities | 4.89T | 3.60T | 3.33T | 4.31T | 2.18T | 636.10B |
| Trading Asset Securities | 392.40B | 359.43B | 232.44B | 519.63B | 116.00B | 25.79B |
| Total Investments | 5.28T | 3.96T | 3.57T | 4.83T | 2.30T | 661.89B |
| Gross Loans | 17.23T | 15.04T | 10.12T | 4.40T | 2.30T | 764.76B |
| Allowance for Loan Losses | -853.31B | -617.15B | -208.95B | -98.91B | -65.05B | -26.68B |
| Net Loans | 16.38T | 14.42T | 9.91T | 4.30T | 2.23T | 738.08B |
| Property, Plant & Equipment | 1.03T | 896.65B | 850.52B | 649.41B | 299.27B | 99.19B |
| Other Intangible Assets | 7.16B | |||||
| Investments in Real Estate | 210.01B | 181.47B | 175.31B | 130.99B | 61.46B | 5.45B |
| Accrued Interest Receivable | 21.71B | 27.86B | 3.77B | 1.77B | 693.53M | 175.93M |
| Other Receivables | 169.90B | 145.78B | 233.36B | 192.61B | 75.05B | 23.79B |
| Restricted Cash | 1.56T | 2.18T | 998.17B | 783.63B | 502.64B | |
| Other Current Assets | 289.51B | 321.36B | 302.08B | 98.07B | 50.49B | 13.08B |
| Long-Term Deferred Tax Assets | 28.05B | 65.78B | 33.35B | 6.20B | 4.73B | 2.88B |
| Other Real Estate Owned & Foreclosed | 244.30M | 210.76M | 214.11M | 172.12M | 82.02M | 28.07M |
| Other Long-Term Assets | 527.92B | 522.50B | 487.45B | 569.73B | 123.39B | 31.36B |
| Total Assets | 28.14T | 25.41T | 19.37T | 13.34T | 6.10T | 2.01T |
| Accrued Expenses | 242.58B | 240.31B | 202.46B | 207.19B | 76.63B | 22.44B |
| Interest Bearing Deposits | 19.21T | 17.21T | 13.06T | 7.93T | 4.09T | 1.38T |
| Total Deposits | 19.21T | 17.21T | 13.06T | 7.93T | 4.09T | 1.38T |
| Short-Term Borrowings | 784.54B | 556.88B | 143.10B | 4.67B | 1.04B | 612.07M |
| Current Portion of Long-Term Debt | 9.98B | 8.11B | 10.98B | 27.91B | 595.35M | |
| Current Portion of Leases | 8.55B | 3.38B | 1.48B | 2.66B | 962.67M | 442.97M |
| Current Income Taxes Payable | 76.63B | 125.14B | 18.12B | 418.47B | 22.57B | 690.09M |
| Other Current Liabilities | 543.99B | 744.29B | 323.32B | 341.90B | 141.53B | 170.42B |
| Long-Term Debt | 2.12T | 2.18T | 1.46T | 673.75B | 319.06B | 23.88B |
| Long-Term Leases | 46.58B | 48.12B | 41.14B | 48.53B | 11.89B | 5.25B |
| Long-Term Unearned Revenue | 327.15M | 2.76B | 8.81B | 3.71B | 1.40B | 717.52M |
| Pension & Post-Retirement Benefits | 8.05B | 7.10B | 11.69B | 6.96B | 2.85B | 1.08B |
| Long-Term Deferred Tax Liabilities | 8.38B | 6.57B | 50.99B | 20.84B | 16.74B | |
| Other Long-Term Liabilities | 753.80B | 737.80B | 637.79B | 523.87B | 269.87B | 68.68B |
| Total Liabilities | 23.81T | 21.87T | 15.92T | 10.24T | 4.96T | 1.69T |
| Common Stock | 612.71M | 612.71M | 612.71M | 612.71M | 612.71M | 612.71M |
| Additional Paid-In Capital | 6.74B | 6.74B | 6.74B | 6.74B | 6.74B | 77.58B |
| Retained Earnings | 2.78T | 2.26T | 2.13T | 1.77T | 728.03B | 21.78B |
| Comprehensive Income & Other | 1.40T | 1.16T | 1.25T | 1.28T | 387.17B | 211.29B |
| Total Common Equity | 4.19T | 3.43T | 3.39T | 3.06T | 1.12T | 311.27B |
| Minority Interest | 138.73B | 111.08B | 55.34B | 39.13B | 16.83B | 6.27B |
| Shareholders' Equity | 4.33T | 3.54T | 3.45T | 3.10T | 1.14T | 317.54B |
| Total Liabilities & Equity | 28.14T | 25.41T | 19.37T | 13.34T | 6.10T | 2.01T |
| Total Debt | 2.97T | 2.80T | 1.66T | 757.53B | 333.55B | 30.19B |
| Net Cash (Debt) | -67.93B | 136.99B | 1.29T | 4.09T | 366.18B | 688.40B |
| Net Cash Per Share | -110.87 | 223.59 | 2,106.78 | 6,668.45 | 597.63 | 1,123.54 |
| Filing Date Shares Outstanding | 612.71M | 612.71M | 612.71M | 612.71M | 612.71M | 612.71M |
| Total Common Shares Outstanding | 612.71M | 612.71M | 612.71M | 612.71M | 612.71M | 612.71M |
| Book Value Per Share | 6,833.56 | 5,602.58 | 5,536.79 | 4,997.65 | 1,832.12 | 508.01 |
| Tangible Book Value | 4.19T | 3.43T | 3.39T | 3.06T | 1.12T | 304.11B |
| Tangible Book Value Per Share | 6,833.56 | 5,602.58 | 5,536.79 | 4,997.65 | 1,832.12 | 496.33 |
Cash flow statement
Fiscal year January - December; amounts in ARS.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 275.37B | 249.99B | 464.68B | 358.31B | 183.15B | 18.31B |
| Depreciation & Amortization | 94.90B | 89.67B | 79.88B | 52.60B | 29.93B | 10.38B |
| Other Amortization | 26.29B | 21.43B | 24.84B | 8.12B | 2.05B | 421.24M |
| Gain (Loss) on Sale of Assets | 110.60M | 35.29M | 1.74B | 2.19B | 73.42M | |
| Gain (Loss) on Sale of Investments | -13.67B | 30.07B | ||||
| Provision for Credit Losses | 1.04T | 805.08B | 286.32B | 166.33B | 60.66B | |
| Change in Trading Asset Securities | 505.63B | -340.31B | 185.75B | -654.01B | -104.48B | 54.99B |
| Change in Other Net Operating Assets | -7.83T | -8.47T | -10.41T | -7.65T | -2.73T | -107.83B |
| Other Operating Activities | 996.98B | 496.82B | 2.56T | 1.07T | 472.23B | 241.31B |
| Operating Cash Flow | -4.89T | -7.15T | -6.80T | -6.65T | -2.10T | 247.73B |
| Capital Expenditures | -212.31B | -216.83B | -216.43B | -91.78B | -51.10B | -15.67B |
| Cash Acquisitions | -25.54B | -25.54B | ||||
| Other Investing Activities | 7.61B | 1.81B | 2.80B | -1.84B | -33.45B | 4.66B |
| Investing Cash Flow | -230.24B | -240.57B | -213.63B | -93.63B | -84.56B | -11.00B |
| Long-Term Debt Issued | 770.29B | 264.71B | 30.82B | |||
| Long-Term Debt Repaid | -16.43B | -31.32B | -89.65B | -20.19B | -4.89B | |
| Lease Payments | -16.56B | -16.43B | -17.20B | -13.56B | -6.67B | -2.73B |
| Net Debt Issued (Repaid) | 12.81B | 753.87B | 233.39B | -58.83B | -20.19B | -4.89B |
| Common Dividends Paid | -44.06B | -17.00B | -119.20B | -606.10M | -8.02B | |
| Net Increase (Decrease) in Deposit Accounts | 5.82T | 8.15T | 10.21T | 7.96T | 2.45T | -29.31B |
| Other Financing Activities | 134.98B | 203.01B | 49.44B | 1.82B | 1.75B | -161.95M |
| Financing Cash Flow | 5.92T | 9.09T | 10.38T | 7.90T | 2.42T | -34.36B |
| Foreign Exchange Rate Adjustments | -176.66B | 341.69B | -712.80B | 1.25T | 3.77B | -44.87B |
| Net Cash Flow | -550.76B | 1.04T | 440.64B | 479.68B | -401.80B | -21.85B |
| Free Cash Flow | -5.10T | -7.37T | -7.02T | -6.74T | -2.15T | 232.06B |
| Free Cash Flow Margin | -159.67% | -234.71% | -150.47% | -155.97% | -166.64% | 78.46% |
| Free Cash Flow Per Share | -8,322.74 | -12,024.54 | -11,459.25 | -11,004.54 | -3,509.76 | 378.74 |
| Free Cash Flow After Leases | -5.12T | -7.38T | -7.04T | -6.76T | -2.16T | 229.33B |
| Cash Interest Paid | 172.87B | |||||
| Cash Income Tax Paid | 51.47B | 20.79B | 361.73B | 15.38B | 5.06B | 7.32B |
Ratios
Fiscal year January - December; amounts in ARS.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 2.47B | 3.86B | 4.49B | 1.35B | 1.57B | 1.34B |
| Last Close Price | 11.28 | 17.77 | 18.51 | 4.45 | 3.02 | 2.25 |
| PE Ratio | 12.93 | 22.40 | 9.97 | 3.04 | 1.52 | 7.51 |
| PS Ratio | 1.15 | 1.78 | 0.99 | 0.25 | 0.22 | 0.47 |
| PB Ratio | 0.85 | 1.58 | 1.34 | 0.35 | 0.24 | 0.43 |
| P/FCF Ratio | 0.59 | |||||
| P/OCF Ratio | 0.56 | |||||
| Debt / Equity Ratio | 0.69 | 0.79 | 0.48 | 0.24 | 0.29 | 0.10 |
| Debt / FCF Ratio | 0.13 | |||||
| Net Debt / Equity Ratio | 0.02 | -0.04 | -0.37 | -1.32 | -0.32 | -2.17 |
| Net Debt / FCF Ratio | -0.01 | 0.02 | 0.18 | 0.61 | 0.17 | -2.97 |
| Return on Equity (ROE) | 8.12% | 7.65% | 14.37% | 16.94% | 24.77% | 7.69% |
| Return on Assets (ROA) | 1.24% | 1.19% | 2.88% | 3.70% | 4.45% | 1.20% |
| Earnings Yield | 7.74% | 4.46% | 10.03% | 32.94% | 65.67% | 13.32% |
| FCF Yield | -133.69% | -131.56% | -151.58% | -619.89% | -771.04% | 168.85% |
| Dividend Yield | 3.20% | 1.93% | 39.56% | 5.59% | ||
| Payout Ratio | 40.87% | 6.80% | 25.65% | 0.17% | 4.38% | |
| Total Shareholder Return | 3.20% | 1.93% | 39.56% | 5.59% |