Earnings miss by 24.6% vs prior year with impairment more than doubling is a material negative signal. Watch for further deterioration in the loan book (NPL ratio climbed to 5.60%) and monitor if deposit outflows continue, as both pressure profitability and liquidity. The 20-F cross-filing provides the baseline for judging the pace of slowdown.
Price Chart
Executive Summary
Banco BBVA Argentina S.A. filed its Q1 2026 interim financial statements via 6-K, reporting a net income attributable to the Bank of ARS 78.4 billion, down 24.6% from ARS 104.0 billion in Q1 2025. Basic EPS fell 24.6% to ARS 127.99 from ARS 169.75. Key drivers were a 92.8% surge in impairment of financial assets (ARS 244.8B from ARS 127.1B) and higher operating expenses, which offset the 22.6% net interest income growth. The 20-F cross-filing amplifies the context by providing the prior fiscal year annual results against which the Q1 slowdown can be assessed.
Key Facts
- Consolidated net income attributable to the Bank for Q1 2026 was ARS 78,421,486 thousand, down 24.6% from ARS 104,005,657 thousand in Q1 2025.
- Basic EPS fell to ARS 127.99 from ARS 169.75, a 24.6% decline.
- Net interest income grew 22.6% YoY to ARS 879,880,039 thousand from ARS 717,834,438 thousand.
- Impairment of financial assets nearly doubled to ARS 244,847,600 thousand from ARS 127,077,361 thousand.
- Total assets declined 7.5% from ARS 27.81 trillion to ARS 25.71 trillion QoQ.
- Total deposits fell 7.2% QoQ from ARS 18.83 trillion to ARS 17.46 trillion.
- Core Tier 1 (CET1) ratio stood at 18.8% with a capital surplus of ARS 1,914,146,119 thousand.
Financial Impact
Net income declined ARS 25.58 billion (24.6%) YoY on a constant-currency basis. Impairment charges increased by ARS 117.77 billion YoY.
Risk Factors
- Continued rise in non-performing loans driving further impairment charges.
- Persistent deposit outflows reducing funding base.
- High inflation (31.5% FY2025, 9.4% Q1 2026) eroding real asset values and capital adequacy.
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 6-K Filing (Primary) | 0001292814-26-004154 |
| Document: bbarfs1q26_6k.htm | 0001292814-26-004154 |
| Document: 0001292814-26-004154-index-headers.html | 0001292814-26-004154 |
| Document: 0001292814-26-004154-index.html | 0001292814-26-004154 |
| Document: 0001292814-26-004154.txt | 0001292814-26-004154 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 7, 2026 19d ago | 6-K | $12.69 $12.65 | ▼ −0.32% | ▼ −0.91% | $12.12 (−4.49%) |
Oct 2, 2026 24d ago | 6-K | $12.38 $13.27 | ▲ +7.19% | ▲ +6.51% | $12.12 (−2.10%) |
Aug 10, 2026 11w ago | 6-K | $17.27 $16.46 | ▲ +4.69% | ▲ +4.37% | $12.12 (+29.82%) |
Aug 6, 2026 11w ago | 6-K | $17.11 $17.27 | ▲ +0.94% | ▲ +0.96% | $12.12 (−29.16%) |
Jun 18, 2026 18w ago | 6-K | $20.99 $20.39 | ▼ −2.86% | ▼ −1.41% | $12.12 (−42.26%) |
Jun 11, 2026 19w ago | Institutional Cluster | $20.19 $20.62 | ▲ +2.13% | ▲ +1.59% | $12.12 (−39.97%) |
May 26, 2026 21w ago | 6-K | $17.50 $17.62 | ▲ +0.69% | ▲ +0.14% | $12.12 (−30.74%) |
May 15, 2026 23w ago | 6-K | $14.76 $13.97 | ▼ −5.35% | ▼ −4.70% | $12.12 (−17.89%) |
May 14, 2026 23w ago | 6-K | $14.81 $14.26 | ▲ +3.71% | ▲ +2.49% | $12.12 (+18.16%) |
Apr 28, 2026 25w ago | 6-K | $14.22 $14.26 | ▲ +0.28% | ▼ −0.74% | $12.12 (−14.77%) |
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