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Renta 4 Banco S.A. (R4) investor relations material
Renta 4 Banco S.A. Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Net profit for the first nine months of 2025 reached €30.8M, up 31.8% year-over-year; Q3 net profit was €11.5M, a 41.2% increase from Q3 2024.
Strong commercial activity drove significant growth in commissions and margins across all business lines.
Customer assets totaled €41.2B at September-end, up 19% year-over-year, with 143,897 clients, a 9.6% increase.
Latin American subsidiaries contributed 11% to consolidated results.
Financial highlights
Net commissions for the first nine months were €98.3M, up 23.2% year-over-year.
Operating income reached €43.4M, a 35.4% increase year-over-year.
Q3 gross margin rose 28.6% to €47.9M; operating result for Q3 was €16.8M, up 49.3%.
EPS for the nine-month period was €0.75, up 32.2% year-over-year.
Dividend of €0.45 per share to be paid in November.
Outlook and guidance
Optimistic outlook for year-end, expecting sustained and diversified growth across business lines.
Continued focus on shareholder returns, high ROE, and strong solvency and liquidity ratios.
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Next Renta 4 Banco S.A. earnings date
Q4 202510 Feb, 2026
Next Renta 4 Banco S.A. earnings date
Q4 202510 Feb, 2026
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Frequently asked questions
Renta 4 Banco S.A. is a financial institution based in Spain, primarily engaged in investment banking activities through its subsidiaries. The company operates in three main areas: Brokerage Services, Asset Management, and Corporate Services. In Brokerage Services, Renta 4 Banco handles the buying and selling of securities in both domestic and international markets and offers Collective Investment Institutions (CIIs) and pension plans. The Asset Management division includes the management of CIIs, pension funds, and private wealth. Corporate Services cover a broad range of activities including security and CII custodian services, corporate finance advice, public debt management, and the underwriting and placement of public offers. Renta 4 Banco also provides discretionary management of equity portfolios and investment funds, as well as private wealth management services. The company was founded in 1985 and is headquartered in Madrid, Spain. Its shares are listed on the BME.
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