The earnings call highlighted Banco do Brasil's strategic initiatives in digital transformation and worker payroll loans, alongside challenges in agribusiness delinquency and increased credit costs, leading to a strained profitability outlook for 2025.

Company Guidance

In the recent call, Banco do Brasil provided detailed guidance for the second quarter of the fiscal year 2025, outlining several key metrics. The adjusted net income for the quarter was reported at BRL 11.2 billion, which reflects a significant decrease of 48% from the previous quarter. The cost of credit rose by 56%, mainly due to delinquency pressures in the agribusiness sector and micro and SMEs (small and medium-sized enterprises). The net interest income (NII) increased by 4.9%, while fee income grew by 4.7%, reaching BRL 8.8 billion. Administrative expenses were reported at BRL 9.7 billion, marking a 1.9% increase from the prior quarter. The expanded loan portfolio was valued at BRL 1,294 billion, with CET1 capital ratio standing at 10.97%, indicating a robust balance sheet. The bank's revised guidance anticipates a loan portfolio growth between 5.5% and 9.5%, with NII projected to be between BRL 102 billion and BRL 105 billion for 2025. Adjusted net income for the year is expected to be within the range of BRL 21 billion to BRL 25 billion, acknowledging the challenging year of adjustments and setting the stage for potential profitability improvements starting in 2026.

Growth in Net Interest Income (NII)

NII increased by 4.9% compared to the first quarter, indicating a strong capacity to generate results.

Increase in Fee Income

Fee income rose by 4.7%, reaching BRL 8.8 billion, demonstrating diverse revenue streams supported by the company's conglomerate.

Expansion in Loan Portfolio

The expanded loan portfolio grew to BRL 1,294 billion, with strong growth in secure lines for individuals and loans to workers.

Sustained Capital Levels

CET1 ratio remained stable at 10.97%, reflecting a robust balance sheet and adequate capital levels.

Growth in Worker Payroll Loans

Worker payroll loans saw substantial growth, with a portfolio reaching BRL 7 billion and a 95% bookkeeping and payment rate.

Digital Acceleration Efforts

Banco do Brasil accelerated its digital transformation, scaling up to 3,400 employees working in an agile model and investing BRL 3.2 billion in technology.

Banco do Brasil SA (BDORY) 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

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BDORY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 12, 2025	2025 (Q3)	0.16 / -	0.276	―	―	―
Aug 14, 2025	2025 (Q2)	0.16 / 0.12	0.296	-58.78% (-0.17)
May 15, 2025	2025 (Q1)	0.28 / 0.10	0.293	-64.16% (-0.19)
Feb 19, 2025	2024 (Q4)	0.28 / 0.27	0.332	-19.28% (-0.06)
Nov 13, 2024	2024 (Q3)	0.30 / 0.28	0.314	-12.10% (-0.04)
Aug 07, 2024	2024 (Q2)	0.30 / 0.30	0.316	-6.33% (-0.02)
May 08, 2024	2024 (Q1)	0.30 / 0.29	0.238	23.11% (+0.05)
Feb 08, 2024	2023 (Q4)	0.33 / 0.33	0.31	7.10% (+0.02)
Nov 08, 2023	2023 (Q3)	0.31 / 0.31	0.278	12.95% (+0.04)
Aug 09, 2023	2023 (Q2)	0.31 / 0.32	0.256	23.44% (+0.06)

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

BDORY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 14, 2025	$3.77	$3.90	+3.45%
May 15, 2025	$5.31	$4.53	-14.69%
Feb 19, 2025	$5.02	$4.84	-3.59%
Nov 13, 2024	$4.33	$4.19	-3.23%

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 do Brasil S.A. (BDORY) report earnings?

Banco do Brasil S.A. (BDORY) is schdueled to report earning on Nov 12, 2025, Before Open (Confirmed).

What is Banco do Brasil S.A. (BDORY) earnings time?

Banco do Brasil S.A. (BDORY) earnings time is at Nov 12, 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 BDORY EPS forecast?

BDORY EPS forecast for the fiscal quarter 2025 (Q3) is 0.16.

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