The earnings call highlighted Banco do Brasil's resilience and strategic focus on personal loans and technological advancements. However, significant challenges persist in the agribusiness segment, particularly with high delinquency rates and increased provisions impacting profitability.

Company Guidance

During the call, Banco do Brasil provided guidance on several key financial metrics. The bank adjusted its forecast for the cost of credit to be between BRL 59 billion and BRL 62 billion and projected adjusted profit to range from BRL 18 billion to BRL 21 billion. The bank also discussed its capital strength, with a principal capital ratio of 11.16%, and an ambition to achieve 20% market participation. Additionally, the bank highlighted its efforts to manage delinquency rates, especially in the agribusiness sector, with provisions for credit risk adjustments and a focus on the renegotiation of loans under the BB Regulariza Agro program, leveraging MP 1314. The bank is targeting BRL 24 billion in renegotiated loans as part of this initiative. The discussion also touched on the bank's strategy to navigate regulatory changes and its commitment to generating shareholder value while maintaining a payout ratio of 30% for dividends.

Strong Net Profit Amid Challenges

Banco do Brasil achieved a net profit of approximately BRL 20 billion, showcasing resilience despite challenges in the agribusiness sector.

Successful Renegotiation Program

The BB Regulariza Agro program has processed BRL 11.4 billion in loans, with BRL 5.4 billion approved, demonstrating proactive management of agribusiness loan challenges.

Strategic Focus on Personal Loans

Banco do Brasil is focusing on growing its personal loans segment, aiming for a 20% market share, as part of its strategy to improve portfolio returns.

Technological Advancements in Risk Management

The bank is leveraging AI and historical data for better risk management and to prevent future defaults in the agribusiness sector.

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
Feb 12, 2026	2025 (Q4)	0.17 / -	0.268	―	―	―
Nov 12, 2025	2025 (Q3)	0.12 / 0.13	0.276	-54.71% (-0.15)
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)

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
Nov 12, 2025	$4.40	$4.28	-2.73%
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%

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 Feb 12, 2026, Before Open (Confirmed).

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

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

BDORY EPS forecast for the fiscal quarter 2025 (Q4) is 0.17.

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