)
Edge17 Oct 2025
A Castle in the Sky: The Story of Oracle
Oracle's journey from database innovator to disciplined enterprise backbone, now shaping the AI buildout with a standardized cloud infrastructure.
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.Q2 2025 earnings summary28 Jul, 2025
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.
Latin American subsidiaries' impact on results?
Key growth areas for Renta 4 Banco's expansion?
How is Renta 4 growing its market share?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Renta 4 Banco S.A. earnings date
Q3 202518 Nov, 2025
Next Renta 4 Banco S.A. earnings date
Q3 202518 Nov, 2025
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.
)
Leroy DaleyApp Store
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.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
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.
Leroy DaleyApp Store
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.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
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.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
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.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research17 Oct 2025
Beneath the Surface: A Conversation with Epiroc CEO Helena Hedblom
Legacy, innovation, and leading one of Sweden's most influential industrial companies into a new era.
)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
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.
Quartr provides global coverage of all investor relation material from public companies.
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.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage