Banco BBVA Argentina S.A.(BBAR)Earnings, Financials & Key Ratios

BBAR•NYSE•Banking & Credit

$15.62

$3.19B mkt cap·12.6× P/E·Price updated May 6, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryNon-US regional and universal banks

AboutBanco BBVA Argentina S.A. provides various banking products and services to individuals and companies in Argentina. It provides retail banking products and services, such as checking and savings accounts, time deposits, credit cards, consumer and secured loans, mortgages, insurance, and investment products to individuals; and small and medium-sized companies products and services, including financing products, factoring, checking accounts, time deposits, transactional and payroll services, insurance, and investment products to private-sector companies. The company also provides corporate and investment banking products and services, such as global transaction services; global markets solutions comprising risk management and securities brokerage; long-term financing products, including project finance and syndicated loans; and corporate finance services comprising mergers and acquisitions, and capital markets advisory services to corporations and multinational companies operating in Argentina. As of December 31, 2021, it operated a network of 243 branches, 15 in-company branches, 7 point of sale outlets, 2 points of express support, 884 ATMs, and 854 self-service terminals, as well as mobile and internet banking services. The company was formerly known as BBVA Banco Francés S.A. and changed its name to Banco BBVA Argentina S.A. in July 2019. Banco BBVA Argentina S.A. was incorporated in 1886 and is based in Buenos Aires, Argentina.Show more

Net Interest Income$2982.4B-17.4%
Total Revenue$5199.52B-31.1%
Net Income$360.41B+5.5%
Return on Equity12.65%-36.2%
Net Interest Margin20.26%-25.3%
Efficiency Ratio57.38%+24.4%
ROA2.57%-42.5%
Equity / Assets17.77%-23.3%
Book Value per Share12807.82-15.1%
Tangible BV/Share12468.86-15.4%
Debt/Equity0.13+193.1%

Technical→

BBAR Key Insights

Banco BBVA Argentina S.A. (BBAR) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Excellent 3Y average ROE of 49.7%
✓Strong 5Y profit CAGR of 61.4%
✓Strong NIM of 20.3%
✓Well capitalized: 17.8% equity/assets
✓Healthy dividend yield of 2.0%

✗Weaknesses

✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

BBAR Price & Volume

Banco BBVA Argentina S.A. (BBAR) stock price & volume — 10-year historical chart

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BBAR Growth Metrics

Banco BBVA Argentina S.A. (BBAR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years77.11%

5 Years80.53%

3 Years52.58%

TTM-

Profit CAGR

10 Years60.36%

5 Years61.37%

3 Years84.9%

TTM-33.67%

EPS CAGR

10 Years76.28%

5 Years62.67%

3 Years168.21%

TTM-35.65%

Return on Capital

10 Years15.62%

5 Years18.78%

3 Years18.79%

Last Year8.69%

BBAR Recent Earnings

Banco BBVA Argentina S.A. (BBAR) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 5/12 qtrs (42%)●Beat Revenue 2/12 qtrs (50%)

Q2 2026Latest

Mar 4, 2026

EPS

$0.18

Est $0.34

-47.1%

Revenue

$564M

Est $638M

-11.7%

Q1 2026

Jan 5, 2026

EPS

$0.12

Est $0.25

-52.3%

Revenue

$1.1B

Est $513M

+119.2%

Q4 2025

Nov 25, 2025

EPS

$0.13

Est $0.20

-35.0%

Revenue

$1.0B

Q3 2025

Aug 20, 2025

EPS

$0.24

Est $0.37

-35.1%

Revenue

$992M

Est $870M

+14.1%

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Mar 4, 2026	$0.18vs $0.34-47.1%	$564Mvs $638M-11.7%
Q1 2026	Jan 5, 2026	$0.12vs $0.25-52.3%	$1.1Bvs $513M+119.2%
Q4 2025	Nov 25, 2025	$0.13vs $0.20-35.0%	$1.0B
Q3 2025	Aug 20, 2025	$0.24vs $0.37-35.1%	$992Mvs $870M+14.1%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
BMABanco Macro S.A.Direct Competitor	4.84B	76.97	21.07	-33.31%		6.12%	0.11
GGALGrupo Financiero Galicia S.A.Direct Competitor	5.76B	43.44	5.10	-23.52%		12.91%	0.36
SUPVGrupo Supervielle S.A.Direct Competitor	765.15M	8.74	-18.65	13.71%		-5.24%	1.04
CEPUCentral Puerto S.A.Direct Competitor	2.3B	15.33	64.72	8.1%	29.44%	11.79%	0.20
LOMALoma Negra Compañía Industrial Argentina Sociedad AnónimaDirect Competitor	1.37B	11.70	70.23	41.32%	2.55%	2.04%	0.28
ITUBItaú Unibanco Holding S.A.Product Competitor	93.13B	8.45	10.62	18.03%		20.64%	4.71
BBDBanco Bradesco S.A.Product Competitor	40.84B	3.86	8.70	37.11%		13.25%	4.46
BSACBanco Santander-ChileProduct Competitor	14.85B	31.52	0.03	-4.96%		21.52%	2.77

Compare BBAR vs Peers

Banco BBVA Argentina S.A. (BBAR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs BMA

Most directly comparable listed peer for BBAR.

Scale Benchmark

vs V

Larger-name benchmark to compare BBAR against a more recognizable public peer.

Peer Set

Compare Top 5

vs BMA, GGAL, SUPV, CEPU

BBAR Income Statement

Banco BBVA Argentina S.A. (BBAR) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Line item	Dec'16	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	TTM
Net Interest Income	11.05B	36.54B	67.5B	138.83B	232.08B	763.58B	2.35T	3.61T	2.98T	2.41T
NII Growth %	21.54%	230.76%	84.71%	105.67%	67.17%	229.01%	207.39%	53.76%	-17.36%	-90.83%
Net Interest Margin %	3.87%	11.46%	12.14%	22.45%	22.19%	38.02%	119.83%	27.12%	20.26%	10.88%
Interest Income	21.3B	55.24B	119.31B	238.64B	354.02B	1.32T	4.32T	7T	4.75T	4.46T
Interest Expense	10.26B	18.4B	51.81B	99.81B	121.94B	554.49B	1.97T	3.39T	1.77T	2.05T
Loan Loss Provision	1.05B	0	78.06M	728.85M	1.58B	4.31B	-8.93B	-4.43B	7.65B	336.39B
Non-Interest Income	6.46B	18.5B	21.6B	32.54B	56.88B	145.57B	294.42B	549.56B	449.84B	685.79B
Non-Interest Income %	23.27%	25.08%	15.33%	12%	13.84%	9.95%	6.38%	7.28%	8.65%	13.33%
Total Revenue	27.76B▲ 0%	73.74B▲ 165.6%	140.91B▲ 91.1%	271.18B▲ 92.4%	410.9B▲ 51.5%	1.46T▲ 256.2%	4.61T▲ 215.1%	7.55T▲ 63.7%	5.2T▼ 31.1%	5.15T▲ 0%
Revenue Growth %	33.4%	165.59%	91.1%	92.45%	51.52%	256.2%	215.09%	63.68%	-31.12%	-23.23%
Non-Interest Expense	10.36B	51.37B	83.23B	133.46B	234.16B	820.06B	2.27T	3.48T	2.98T	2.44T
Efficiency Ratio	37.31%	69.66%	59.07%	49.21%	56.99%	56.03%	49.32%	46.11%	57.38%	47.39%
Operating Income	6.09B▲ 0%	3.97B▼ 34.8%	5.79B▲ 45.9%	37.19B▲ 541.8%	53.23B▲ 43.1%	84.79B▲ 59.3%	375.93B▲ 343.4%	682.31B▲ 81.5%	441.08B▼ 35.4%	323.07B▲ 0%
Operating Margin %	21.95%	5.39%	4.11%	13.71%	12.95%	5.79%	8.15%	9.04%	8.48%	6.28%
Operating Income Growth %	4.43%	-34.82%	45.88%	541.8%	43.13%	59.3%	343.39%	81.5%	-35.35%	-
Pretax Income	6.09B▲ 0%	3.97B▼ 34.8%	5.79B▲ 45.9%	37.19B▲ 541.8%	53.23B▲ 43.1%	84.79B▲ 59.3%	375.93B▲ 343.4%	682.31B▲ 81.5%	441.08B▼ 35.4%	323.07B▲ 0%
Pretax Margin %	21.95%	5.39%	4.11%	13.71%	12.95%	5.79%	8.15%	9.04%	8.48%	6.28%
Income Tax	2.45B	1.11B	9.08B	4.26B	23.62B	28.03B	-17.11B	339.86B	76.26B	3.59B
Effective Tax Rate %	40.2%	27.98%	156.74%	11.45%	44.38%	33.06%	-4.55%	49.81%	17.29%	1.11%
Net Income	3.64B▲ 0%	2.93B▼ 19.6%	-3.12B▼ 206.5%	32.94B▲ 1155.7%	29.55B▼ 10.3%	57.01B▲ 92.9%	399.02B▲ 599.9%	341.58B▼ 14.4%	360.41B▲ 5.5%	258.9B▲ 0%
Net Margin %	13.12%	3.97%	-2.21%	12.15%	7.19%	3.9%	8.65%	4.53%	6.93%	5.03%
Net Income Growth %	-3.72%	-19.62%	-206.53%	1155.65%	-10.28%	92.93%	599.88%	-14.39%	5.51%	-33.67%
Net Income (Continuing)	3.64B	2.86B	-3.29B	32.93B	29.6B	56.75B	393.05B	342.44B	364.82B	319.48B
EPS (Diluted)	20.37▲ 0%	20.25▼ 0.6%	-15.27▼ 175.4%	151.83▲ 1094.3%	144.69▼ 4.7%	89.64▼ 38.0%	896.76▲ 900.4%	1754.40▲ 95.6%	1729.56▼ 1.4%	1267.62▲ 0%
EPS Growth %	-3.69%	-0.59%	-175.41%	1094.3%	-4.7%	-38.05%	900.4%	95.64%	-1.42%	-35.65%
EPS (Basic)	20.37	20.25	-15.27	151.83	144.69	89.64	896.76	1754.40	1729.56	-
Diluted Shares Outstanding	178.96M	191.59M	204.22M	204.22M	204.24M	204.24M	204.24M	204.24M	204.24M	204.24M

BBAR Balance Sheet

Banco BBVA Argentina S.A. (BBAR) balance sheet — assets, liabilities & shareholders' equity

Line item	Dec'16	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	TTM
Cash & Short Term Investments	105.98B	81.67B	190.24B	274.28B	422.05B	750.64B	913.64B	3.93T	5.16T	14.77T
Cash & Due from Banks	88.75B	56.45B	152.46B	212.73B	229.49B	425.19B	296.3B	2.49T	2.82T	3.83T
Short Term Investments	17.23B	25.22B	37.79B	61.54B	192.56B	325.45B	617.34B	1.44T	2.34T	0
Total Investments	161.44B	216.83B	311.52B	329.87B	615.9B	1.09T	1.33T	5.65T	8.87T	15.98T
Investments Growth %	122.19%	34.31%	43.67%	5.89%	86.71%	76.97%	21.58%	326.65%	56.82%	497.9%
Long-Term Investments	144.2B	191.61B	273.74B	268.32B	423.34B	764.49B	707.77B	4.21T	6.52T	49.12T
Accounts Receivables	1.22M	32.88M	0	0	0	0	0	699.2B	1.1T	0
Goodwill & Intangibles	315.81M	592.15M	975.21M	1.06B	2.35B	7.16B	9.62B	72.16B	69.23B	106.04B
Goodwill	3.48M	585.74M	0	0	0	0	0	0	0	0
Intangible Assets	312.33M	6.41M	975.21M	1.06B	2.35B	7.16B	9.62B	72.16B	69.23B	106.04B
PP&E (Net)	2.96B	4.34B	26.06B	35.49B	50.97B	99.19B	96.1B	649.41B	646.55B	814.27B
Other Assets	17.21B	23.98B	25.91B	22.14B	110.66B	336.29B	-1.52B	3.43T	791.15B	1.28T
Total Current Assets	120.68B	98.23B	229.49B	287.18B	449.81B	798.27B	920.06B	4.94T	6.66T	3.87T
Total Non-Current Assets	164.9B	220.55B	326.68B	331.13B	596.25B	1.21T	813.49B	8.37T	8.06T	18.3T
Total Assets	285.58B▲ 0%	318.78B▲ 11.6%	556.17B▲ 74.5%	618.31B▲ 11.2%	1.05T▲ 69.2%	2.01T▲ 92.0%	1.96T▼ 2.5%	13.31T▲ 579.3%	14.72T▲ 10.6%	22.17T▲ 0%
Asset Growth %	157.89%	11.63%	74.47%	11.17%	69.18%	91.98%	-2.46%	579.26%	10.63%	290.11%
Return on Assets (ROA)	1.84%	0.97%	-0.71%	5.61%	3.55%	3.73%	20.12%	4.48%	2.57%	1.43%
Accounts Payable	44.29M	49.37M	147.17M	495.13M	62.7M	68.56M	127.19M	27.99M	170.83M	203.96M
Total Debt	4.84B	4.47B	12.33B	21.74B	20.7B	29.49B	75.06B	140.25B	349B	2.16T
Net Debt	-83.91B	-51.98B	-140.13B	-190.99B	-208.79B	-395.7B	-272.2B	-2.35T	-2.47T	-1.67T
Long-Term Debt	4.59B	4.05B	12.31B	18.31B	16.25B	23.79B	62.21B	89.06B	316.6B	2.16T
Short-Term Debt	249M	421.39M	22.03M	0	0	0	0	0	0	0
Other Liabilities	25.27B	32.4B	70.28B	80.23B	122.13B	247.73B	710.68B	2T	1.75T	17.02T
Total Current Liabilities	212.56B	229.35B	400.44B	401.52B	722.19B	1.38T	40.84M	7.94T	9.93T	730.58B
Total Non-Current Liabilities	34.49B	39.92B	85.67B	101.97B	150.98B	310.57B	860.63B	2.29T	2.17T	19.18T
Total Liabilities	247.05B	269.27B	486.11B	503.49B	873.17B	1.69T	1.59T	10.22T	12.1T	19.18T
Total Equity	38.52B▲ 0%	49.52B▲ 28.5%	70.06B▲ 41.5%	114.82B▲ 63.9%	172.89B▲ 50.6%	317.54B▲ 83.7%	365.88B▲ 15.2%	3.08T▲ 742.0%	2.62T▼ 15.1%	2.98T▲ 0%
Equity Growth %	174.09%	28.54%	41.48%	63.89%	50.58%	83.66%	15.22%	742.03%	-15.09%	81.47%
Equity / Assets (Capital Ratio)	13.49%	15.53%	12.6%	18.57%	16.53%	15.81%	18.68%	23.15%	17.77%	13.46%
Return on Equity (ROE)	13.86%	6.65%	-5.22%	35.63%	20.54%	23.25%	116.77%	19.82%	12.65%	9.12%
Book Value per Share	215.25	258.45	343.05	562.21	846.53	1554.76	1791.47	15084.74	12807.82	14604.01
Tangible BV per Share	213.49	255.36	338.28	557.01	835.05	1519.71	1744.38	14731.42	12468.86	14084.78
Common Stock	536.88M	612.66M	612.66M	612.71M	612.71M	612.71M	612.71M	612.71M	612.71M	613M
Additional Paid-in Capital	1.98B	12.59B	19.37B	26.39B	39.83B	77.58B	6.74B	6.74B	6.74B	0
Retained Earnings	5.06B	761.2M	-10.28B	-26.12B	-87.98B	-66.53B	-143.26B	-369.31B	-367.21B	181.86B
Accumulated OCI	21.91B	26.51B	46.77B	93.15B	188.72B	243.6B	833.98B	2.5T	2.03T	1.63T
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

BBAR Cash Flow Statement

Banco BBVA Argentina S.A. (BBAR) cash flow — operating, investing & free cash flow history

Line item	Dec'16	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	TTM
Cash from Operations	21.11B	9.22B	34.1B	27.21B	-10.14B	116.71B	110.48B	601.23B	-5.17T	-5.17T
Operating CF Growth %	61.68%	-56.32%	269.72%	-20.2%	-137.27%	1251.01%	-5.34%	444.22%	-960.38%	-455.6%
Net Income	0	4.48B	13.73B	35.81B	18.1B	21.08B	61.86B	358.31B	441.08B	258.9B
Depreciation & Amortization	0	644.72M	876.37M	2B	4.07B	5.58B	10.97B	27.88B	79.61B	74.91B
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	21.11B	2.15B	-18.28B	-27.69B	31.01B	72.2B	163.69B	375.41B	2.22T	-7.25T
Working Capital Changes	0	3.24B	37.77B	17.08B	-63.32B	17.85B	-126.05B	-160.37B	-7.91T	2.83T
Cash from Investing	-2.47B	-1.63B	-883.55M	99.48M	-2.7B	-11B	-184.13B	-93.63B	-162.4B	-234.42B
Purchase of Investments	-53.04M	-15.41B	-73.38M	-24.58B	-130.72B	-181.12B	-707.57B	0	0	0
Sale/Maturity of Investments	0	0	1000K	1000K	0	0	1000K	0	0	0
Net Investment Activity	-53.04M	-15.41B	-72.38M	-24.58B	-130.72B	-181.12B	-707.57B	0	0	0
Acquisitions	0	6.63M	-82.02M	205.11M	0	0	558.13B	0	0	0
Other Investing	-2B	-853.72M	401.47M	25.41B	131.17B	178.16B	-167.72B	-51.48B	2.13B	-51.84B
Cash from Financing	-1.4B	5.45B	4.96B	-3.59B	202.64B	-34.36B	-57.7B	-57.61B	124.39B	3.86T
Dividends Paid	-1.46B	-1.02B	-970.93M	-2.41B	0	0	-8.02B	-278.33M	-90.61B	-17.77B
Share Repurchases	0	0	1.26B	0	0	0	0	0	0	0
Stock Issued	0	16.51B	219.06M	0	0	0	0	0	0	0
Net Stock Activity	0	16.51B	1.47B	0	0	0	0	0	0	0
Debt Issuance (Net)	1000K	1000K	1000K	1000K	-1000K	-1000K	-1000K	-1000K	1000K	2M
Other Financing	-654.17M	-2.16B	-3.06B	-3.77B	220.94B	-29.47B	-29.48B	-30.32B	37.58B	3.54T
Net Change in Cash	20.49B▲ 0%	-9.33B▼ 145.5%	60.87B▲ 752.3%	57.15B▼ 6.1%	234.3B▲ 309.9%	-68.03B▼ 129.0%	-129.03B▼ 89.7%	220.3B▲ 270.7%	334.96B▲ 52.0%	565.34B▲ 0%
Exchange Rate Effect	1000K	1000K	1000K	1000K	1000K	-1000K	1000K	1000K	-1000K	0
Cash at Beginning	28.36B	48.86B	38.24B	99.11B	212.73B	229.6B	425.32B	922.37B	2.49T	3.31T
Cash at End	48.86B	39.52B	99.11B	156.26B	152.04B	218.34B	296.29B	1.14T	2.82T	3.83T
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow	20.69B▲ 0%	8.45B▼ 59.2%	32.35B▲ 283.1%	24.55B▼ 24.1%	-13.29B▼ 154.1%	108.67B▲ 917.8%	94.07B▼ 13.4%	559.08B▲ 494.4%	-5.34T▼ 1054.7%	-3.96T▲ 0%
FCF Growth %	61.97%	-59.19%	283.06%	-24.12%	-154.12%	917.85%	-13.44%	494.35%	-1054.67%	-3052.3%

BBAR Banking Ratios

Banco BBVA Argentina S.A. (BBAR) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	TTM
Return on Equity (ROE)	13.86%	6.65%	-5.22%	35.63%	20.54%	23.25%	116.77%	19.82%	12.65%	9.12%
Return on Assets (ROA)	1.84%	0.97%	-0.71%	5.61%	3.55%	3.73%	20.12%	4.48%	2.57%	1.43%
Net Interest Margin	3.87%	11.46%	12.14%	22.45%	22.19%	38.02%	119.83%	27.12%	20.26%	10.88%
Efficiency Ratio	37.31%	69.66%	59.07%	49.21%	56.99%	56.03%	49.32%	46.11%	57.38%	47.39%
Equity / Assets	13.49%	15.53%	12.6%	18.57%	16.53%	15.81%	18.68%	23.15%	17.77%	13.46%
Book Value / Share	215.25	258.45	343.05	562.21	846.53	1.55K	1.79K	15.08K	12.81K	14.6K
NII Growth	21.54%	230.76%	84.71%	105.67%	67.17%	229.01%	207.39%	53.76%	-17.36%	-32.27%
Dividend Payout	40.18%	76.41%	-	15.31%	-	-	2.01%	0.08%	25.14%	6.86%

BBAR Frequently Asked Questions

Banco BBVA Argentina S.A. (BBAR) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Banco BBVA Argentina S.A. (BBAR) saw revenue decline by 31.1% over the past year.

Yes, Banco BBVA Argentina S.A. (BBAR) is profitable, generating $258.90B in net income for fiscal year 2024 (6.9% net margin).

Dividend & Returns

Yes, Banco BBVA Argentina S.A. (BBAR) pays a dividend with a yield of 2.04%. This makes it attractive for income-focused investors.

Banco BBVA Argentina S.A. (BBAR) has a return on equity (ROE) of 12.7%. This is reasonable for most industries.

Industry Metrics

Banco BBVA Argentina S.A. (BBAR) has a net interest margin (NIM) of 20.3%. This indicates healthy earnings from lending activities.

Banco BBVA Argentina S.A. (BBAR) has an efficiency ratio of 57.4%. This is reasonable for a bank.

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Banco BBVA Argentina S.A. (BBAR) financial analysis — history, returns, DCA and operating performance tools

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Banco BBVA Argentina S.A.(BBAR)Earnings, Financials & Key Ratios

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