No. She’s not fat. Even if her BMI is more than 25, she’s not fat. Heck, but another 15lbs on me and I’d probably have the same BMI as her. I’m not fat now and I wouldn’t be fat carrying around another 15lbs.
Health has more to do with lifestyle than what BMI a person has. Weight is one factor, but there are many others to be considered. It is entirely possible that that woman doesn’t smoke, eats a healthy diet and does 30min/day of “cardio”. She’s healthy and there shouldn’t be any problem with her BMI.