The earnings call reflects a positive sentiment overall, with significant growth in recurring net income, total revenue, and insurance operations. Although there are challenges such as economic slowdown and issues in private payroll loans, the highlights significantly outweigh the lowlights, indicating strong operational performance and strategic growth initiatives.

Company Guidance

In the earnings call for the second quarter of 2025, Bradesco reported a recurring net income of BRL 6.1 billion, reflecting a 28.6% growth year-over-year, with a Return on Average Equity (ROAE) of 14.6%, which is an increase of 3.2 percentage points from the previous year. The bank's total revenue reached BRL 34 billion, marking a 15.1% rise year-over-year and a 5.2% increase quarter-on-quarter. The net interest income (NII) showed significant growth, with a year-on-year increase of nearly 16% and a quarter-on-quarter rise of 4.7%. The insurance sector also performed well, with growth of 21.7% year-over-year. The loan portfolio expanded to BRL 1.018 trillion, representing a growth of 11.3% year-over-year. The bank highlighted its strategic focus on utilizing Generative AI to enhance productivity and efficiency across various departments, contributing to its consistent performance despite a challenging macroeconomic environment. The operating expenses were kept under control, growing by only 5.8% year-over-year, which is in line with inflation. The bank's strategic initiatives include a focus on secured loans and government-backed programs, and an emphasis on technological advancements to drive future growth and efficiency improvements.

Strong Recurring Net Income Growth

Bradesco achieved a recurring net income of BRL 6.1 billion, reflecting a significant 28.6% growth year-over-year, with an ROAE of 14.6%, up 3.2 percentage points year-on-year.

Total Revenue Increase

Total revenue reached BRL 34 billion, up 15.1% year-on-year and 5.2% quarter-on-quarter, demonstrating consistent growth across main revenue streams.

Robust Fee and Commission Income

Fee and commission income increased by over 10% year-on-year and more than 5% quarter-on-quarter, with significant contributions from card income and consortium management.

Insurance Group Performance

Insurance, pension plans, and saving bonds grew 6.5% quarter-on-quarter and 21.7% year-on-year, with strong results across all line items and technical provisions of BRL 425 billion.

Capital Position and Guidance Adjustments

Bradesco's Tier 1 capital ratio is 13%, with a common equity tier of 11.1%. Adjustments were made to guidance for fee and commission income and insurance, indicating strong performance expectations.

Banco Bradesco SA (BBD) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

BBD Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 29, 2025	2025 (Q3)	0.11 / -	0.082	―	―	―
Jul 30, 2025	2025 (Q2)	0.10 / 0.11	0.078	37.18% (+0.03)
May 08, 2025	2025 (Q1)	0.09 / 0.10	0.078	24.36% (+0.02)
Feb 07, 2025	2024 (Q4)	0.09 / 0.09	0.06	46.67% (+0.03)
Oct 31, 2024	2024 (Q3)	0.09 / 0.08	0.087	-5.75% (>-0.01)
Aug 05, 2024	2024 (Q2)	0.07 / 0.08	0.074	5.41% (<+0.01)
May 02, 2024	2024 (Q1)	0.07 / 0.08	0.082	-4.88% (>-0.01)
Feb 07, 2024	2023 (Q4)	0.09 / 0.06	0.029	106.90% (+0.03)
Nov 09, 2023	2023 (Q3)	0.09 / 0.09	0.095	-8.42% (>-0.01)
Aug 03, 2023	2023 (Q2)	0.09 / 0.07	0.126	-41.27% (-0.05)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

BBD Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 30, 2025	$2.77	$2.77	0.00%
May 08, 2025	$2.24	$2.66	+18.75%
Feb 07, 2025	$2.17	$2.06	-5.07%
Oct 31, 2024	$2.44	$2.34	-4.10%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Banco Bradesco Sa (BBD) report earnings?

Banco Bradesco Sa (BBD) is schdueled to report earning on Oct 29, 2025, Before Open (Confirmed).

What is Banco Bradesco Sa (BBD) earnings time?

Banco Bradesco Sa (BBD) earnings time is at Oct 29, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is BBD EPS forecast?

BBD EPS forecast for the fiscal quarter 2025 (Q3) is 0.11.

Become an Expert with TipRanks Premium

What am I Missing?

Make informed decisions based on Top Analysts' activity

Know what industry insiders are buying

Get actionable alerts from top Wall Street Analysts

Find out before anyone else which stock is going to shoot up

Get powerful stock screeners & detailed portfolio analysis

Subscribe Now See Plans & Pricing