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Banco Bradesco (BBDO)
NYSE:BBDO
Earnings Data
Report Date
Apr 29, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
0.09Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a broadly positive tone driven by strong recurring net income growth (Q4 and full year), ROAE surpassing cost of capital, significant digital and SME progress, robust NII and fee trends, capital markets and insurance outperformance, and continued high technology investment and AI adoption. Management acknowledged near‑term tradeoffs—higher operating expenses driven by technology and restructuring, regulatory/capital timing risks (CET1 and DTAs), some revenue detractors (checking/collections) and conservative guidance that tempered market expectations—but characterized these as controlled or temporary and part of a multi‑year transformation aimed at sustainable ROAE improvement.Company Guidance
Strong recurring net income and annual growth
Recurring net income of BRL 6.5 billion in Q4 2025, up 20.6% year‑over‑year; full year recurring net income BRL 24.7 billion, up 26.1% YoY.
ROAE exceeding cost of capital
Return on average equity (ROAE) reached 15.2% in the quarter, noted as above the bank's cost of capital and targeted to continue rising in coming quarters.
Digital retail scale and efficiency gains
19 million fully digital clients at year‑end with BIA GenAI retaining ~90% of digital calls; direct cost to serve on the digital platform reported reduced by 40x and the bank targets ~40 million digital clients in 2026.
Affluent segment expansion
Affluent upgrades exceeded 3.1 million clients; Prime ended the year with 2.3 million clients; Principal launched Nov 2024 reached ~320,000 clients and 62 offices by year‑end with plans to reach ~800,000 Principal clients and ~4.7 million total affluent clients in 2026.
SME leadership and customer satisfaction
SME market share rose from 14.3% to 16.6% (to Sept 2025); SME NPS improved from 56 to 74 after new digital model and service changes; micro/small/medium companies portfolio grew 21.3%.
Loan portfolio growth and portfolio quality
Expanded loan portfolio growth accelerated to ~11% (year end), with loan growth across segments; 90‑day NPLs and other loan quality indicators described as flat; Stage 3 provisions declining while Stage 1 increasing.
Net interest income and fee growth
Net interest income up 14.9% year‑over‑year and client NII up 17.4%; fee and commission income growing with card income up ~14.4% and other fee lines showing traction.
Capital markets and insurance performance
Capital markets revenues rose 29.2% year‑over‑year (FY25 vs FY24); insurance operations delivered strong results with Insurance ROE ~24.3% and technical provisions reported at ~BRL 446 billion, growing >10% YoY.
Technology investment and delivery capacity
Technology investments up 22% in 2025 vs 2024; internal delivery capacity for apps rose ~3x (from base 100 to ~300), with continued focus on AI‑first (GenAI, ML) initiatives.
Improving efficiency trajectory
Efficiency ratio improved (reduced) by ~2.2 percentage points to ~50% with an ambition to reach 40% by 2028; operating leverage initiatives and cross‑selling opportunities highlighted.
Share price appreciation and market recognition
Share price appreciated ~106% between Dec 31, 2024 and Feb 6, 2026, reflecting strong market reaction to results and transformation progress.
BBDO Earnings History
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
BBDO Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 05, 2026 | $3.50 | $3.53 | +0.86% |
Oct 29, 2025 | $2.98 | $2.94 | -1.34% |
Jul 30, 2025 | $2.44 | $2.36 | -3.60% |
May 08, 2025 | $2.01 | $2.30 | +14.29% |
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 (BBDO) report earnings?
Banco Bradesco (BBDO) is schdueled to report earning on Apr 29, 2026, Before Open (Confirmed).
What is Banco Bradesco (BBDO) earnings time?
Banco Bradesco (BBDO) earnings time is at Apr 29, 2026, 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 BBDO EPS forecast?
Currently, no data Available