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Banco Bradesco Sa (BBD)
NYSE:BBD
Earnings Data
Report Date
May 08, 2025TBA Not Confirmed
Period Ending
2025 (Q1)Consensus EPS Forecast
0.08Last Year’s EPS
0.08Same Quarter Last Year
Based on 4 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Feb 07, 2025
|% Change Since: -4.48%
|Next Earnings Date:May 08, 2025
Earnings Call Sentiment|Positive
The earnings call reflects a positive outlook with significant growth in net income, digital transformation, loan portfolio, and insurance sales. However, the outlook for 2025 is cautious due to macroeconomic conditions, and there are challenges related to narrowing margins in certain loan segments and restructuring costs.Company Guidance
In the call, Marcelo de Araujo Noronha provided detailed guidance for Bradesco's financial outlook in 2025, emphasizing a cautious approach due to the macroeconomic environment. The bank's net income for the fourth quarter of 2024 was BRL5.4 billion, showing a 37% growth, with a full-year net income of BRL19.6 billion, a 20% increase. Total revenue reached over BRL32 billion, growing by 7.9% year-on-year, while the total loan portfolio exceeded BRL980 billion, marking a nearly 12% growth. The client NII rose by 5.4% year-on-year. The bank maintained a cost of risk at approximately 3% and highlighted efficiency gains and transformation efforts. Additionally, Bradesco achieved a capital ratio of 12.8% after the implementation of Resolution 4,966, and the insurance business posted a 13.6% revenue growth. Looking forward, Bradesco aims for a portfolio growth of 4% to 8% in 2025, with a focus on maintaining controlled portfolios and leveraging their digital channels, which facilitated 99% of transactions in 2024.Significant Net Income Growth
For the fourth quarter, net income was BRL5.4 billion, representing a growth of 37%. For the full year 2024, net income reached BRL19.6 billion, a 20% increase.
Digital Transformation and Customer Base Expansion
99% of transactions occurred through digital channels. The customer base grew by more than 2 million clients, and the Bradesco Expresso platform contributed to a better customer experience.
Loan Portfolio and Insurance Growth
Total loan portfolio grew almost 12% year-on-year. Insurance sales increased by 49%, and the insurance company's revenue grew by 16.6% year-on-year.
Expansion in Assets Under Management
BRAM grew assets under management to BRL122 billion, and Bradesco received two awards from Infomoney for best customer experience.
Strong Performance in SME and Middle Market Lending
The portfolio for micro, small, and medium-sized companies grew by 28% during the period.
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BBD 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
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BBD Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Feb 07, 2025 | $2.23 | $2.12 | -4.93% |
| Oct 31, 2024 | $2.51 | $2.41 | -3.98% |
| Aug 05, 2024 | $2.13 | $2.31 | +8.45% |
| May 02, 2024 | $2.55 | $2.55 | 0.00% |
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.
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FAQ
When does Banco Bradesco Sa (BBD) report earnings?
Banco Bradesco Sa (BBD) is schdueled to report earning on May 08, 2025, TBA Not Confirmed.
What is Banco Bradesco Sa (BBD) earnings time?
Banco Bradesco Sa (BBD) earnings time is at May 08, 2025, TBA Not 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 (Q1) is 0.08.
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