)

Renta 4 Banco S.A. (R4) investor relations material
Renta 4 Banco S.A. Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net profit for the first half of 2025 reached €19.4M, up 26.7% year-over-year; Q2 net profit was €10.5M, a 25.5% increase compared to Q2 2024.
Strong commercial activity led to increased volumes and positive commission figures across all business lines.
Customer assets at June 2025 totaled €38.8B, up 15.7% year-over-year, with 141,646 clients, a 10% increase.
Latin American subsidiaries contributed 10.5% to consolidated results in the first half.
Financial highlights
Net commissions for H1 2025 were €61.1M, up 17.2% year-over-year; gross commissions rose 16.1% to €107.7M.
Interest margin for H1 2025 was €13.2M, a 20.9% increase; Q2 interest margin was €6.7M, up 17.7%.
Gross margin for H1 2025 reached €81.4M, up 17%; Q2 gross margin was €41.7M, up 13.2%.
Operating expenses for H1 2025 were €56.1M, up 13.1%; Q2 operating costs were €28.6M, up 9.9%.
Operating activity result for H1 2025 was €26.6M, up 27.8%; Q2 result was €14.1M, up 25.5%.
Outlook and guidance
Positive business outlook for H2 2025, expecting continued growth in client base and assets.
Anticipates intensifying demand for investment services due to trends in energy transition, AI, infrastructure, and defense.
Plans to maintain high ROE and strong solvency and liquidity ratios.
Next Renta 4 Banco S.A. earnings date

Next Renta 4 Banco S.A. earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage