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Société Générale
Société Générale (GLE) investor relations material
Société Générale Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary6 Feb, 2026
Executive summary
Achieved record revenues of €27.3bn in 2025, up 6.8% year-over-year, with group net income reaching €6bn, both surpassing all targets and supported by all business lines.
Cost-to-income ratio improved to 63.6% in 2025, with a 2% reduction in costs versus 2024 and strict cost management.
ROTE reached 10.2% in 2025, up from 6.9% in 2024.
Total shareholder distribution for 2025 was €4.7bn, up 169% from 2024, including €2bn in extraordinary share buy-backs.
Upgraded 2026 profitability target and confirmed all other CMD targets, reflecting strong transformation and operational execution.
Financial highlights
Revenues grew by 6.8% year-over-year to €27.3bn, with net income up 43% to €6bn and ROTE at 10.2%.
Cost of risk at 26bps for 2025, within guidance; NPL ratio stable at 2.8%.
Operating expenses down 2% year-over-year; cost-to-income ratio at 63.6%.
Liquidity reserves at €318bn; LCR at 144%, NSFR at 116%.
Earnings per share rose to €6.80 in 2025 from €4.38 in 2024.
Outlook and guidance
2026 targets: revenue growth above 2%, net cost decrease of ~3%, cost-to-income below 60%, cost of risk 25-30bps, ROTE above 10%.
Organic RWA growth target for 2026 set at ~2%.
Global Markets revenues expected above €5.7bn in 2026, with base case to exceed guidance.
BoursoBank net income targeted above €300m in 2026.
Continued focus on strict cost discipline and capital allocation to most profitable businesses.
Future capital increase dilution offset
Drivers for upgraded 2026 ROTE target
BoursoBank's growth strategy beyond 2026
BoursoBank: sustain EUR300M+ profit beyond 2026?
Global Markets: footprint rebalancing impact on growth?
Ayvens: RWA growth despite normalizing UCS, EV risk?
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Next Société Générale earnings date
Q1 202630 Apr, 2026
Société Générale
Next Société Générale earnings date
Q1 202630 Apr, 2026
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Frequently asked questions
Société Générale Société anonyme, together with its subsidiaries, provides financial services to individual, business, and institutional investors in Europe and internationally. The company operates in five segments: French Retail Banking-Real Estate Credit, International Retail Banking and Financial Services, Global Banking and Investor Solutions, Corporate and Investment Banking, and Asset Management & Insurance.
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