Financial Performance: BBVA Argentina reported a net income of $59.6 billion for 2Q25, which is a 31.1% decrease from the previous quarter and a 62.1% decline compared to 2Q24. The six-month accumulated net income for 2025 was $146.1 billion, down 31.7% year-over-year.
Return on Assets and Equity: The bank's average return on assets (ROAA) decreased to 1.2% in 2Q25 from 2.0% in 1Q25, while the return on equity (ROAE) fell to 7.6% from 11.4%. For the first half of 2025, ROA was 1.5% and ROE was 9.6%, both lower than the same period in 2024.
Loan and Deposit Growth: Total financing to the private sector reached $11.3 trillion in 2Q25, marking a 15.7% increase from the previous quarter and a 109.6% increase year-over-year. Total deposits also rose to $13.0 trillion, up 12.0% quarterly and 60.8% annually.
Regulatory and Operational Metrics: The non-performing loan ratio stood at 2.28% with a coverage ratio of 115.5%. The efficiency ratio was stable at 56.5%, and the regulatory capital ratio was 18.4%, significantly exceeding the minimum requirement.
BBAR
$16.69+Infinity%1D
Analyst Views on BBAR
Wall Street analysts forecast BBAR stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for BBAR is 16.25 USD with a low forecast of 15.00 USD and a high forecast of 18.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
4 Analyst Rating
Wall Street analysts forecast BBAR stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for BBAR is 16.25 USD with a low forecast of 15.00 USD and a high forecast of 18.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Buy
1 Hold
1 Sell
Hold
Current: 17.120
Low
15.00
Averages
16.25
High
18.00
Current: 17.120
Low
15.00
Averages
16.25
High
18.00
UBS
Neutral
initiated
$18
2025-11-19
Reason
UBS
Price Target
$18
2025-11-19
initiated
Neutral
Reason
UBS initiated coverage of Banco BBVA Argentina with a Neutral rating and $18 price target. The firm believes the Argentine banking sector is at an "inflection point" after years of inflation, tight capital controls, and negative real interest rates. UBS is taking a "somewhat conservative approach" on the group, putting its only Buy rating on Banco Macro due to its better capital position, "resilient" franchise and potentially lower credit quality risk.
Goldman Sachs
Sell
initiated
$15
2025-11-10
Reason
Goldman Sachs
Price Target
$15
2025-11-10
initiated
Sell
Reason
Goldman Sachs initiated coverage of Banco BBVA Argentina with a Sell rating and $15 price target. The firm believes the bank is in a weaker position to improve its profitability relative to peers. BBVA has the lowest Tier 1 ratio at 18% and it already has more exposure to loans, the analyst tells investors in a research note. Goldman is taking a more balanced view on the group following the share rallies on lower inflation and better economic growth.
Citi
Neutral -> Buy
upgrade
2025-11-03
Reason
Citi
Price Target
2025-11-03
upgrade
Neutral -> Buy
Reason
Citi upgraded Banco BBVA Argentina to Buy from Neutral with a price target of ARS 11,800, up from ARS 5,250. The firm upgraded the Argentine banks, saying the election outcome reduced risk and could drive a "virtuous credit cycle." Citi sees share upsides on the banks' growth opportunities and lack of political obstacles ahead of the 2027 elections.
Itau BBA
Pedro Leduc
Market Perform -> Outperform
upgrade
$15
2025-10-27
Reason
Itau BBA
Pedro Leduc
Price Target
$15
2025-10-27
upgrade
Market Perform -> Outperform
Reason
Itau BBA analyst Pedro Leduc upgraded Banco BBVA Argentina to Outperform from Market Perform with a $15 price target. The firm says the Argentina banks are "back on track" following this weekend's election.
About BBAR
Banco Bbva Argentina SA, formerly known as BBVA French Bank, is an Argentina-based banking institution. Through its banking platform, the Bank provides a broad range of financial and non-financial services to both individuals and companies. It manages three business lines: Retail Banking, Small and Medium-Sized Companies and Corporate and Investment Banking (C&IB). Retail Banking offers checking and savings accounts, time deposits, credit cards, loans, mortgages, insurance and investment products, among others. Small and Medium-Sized Companies targets local private-sector companies providing financing products, factoring, checking accounts, time deposits, transactional and payroll services, insurance and investment products, among others. C&IB offers financial services to corporations and multinational companies, as well as global transaction services, global markets solutions, long term financing, among others. The Bank is active locally, mostly.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
