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Banco do Brasil SA
(OTC:BDORY)
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Rating:54Neutral
Price Target:
$3.50
â–¼(-13.58% Downside)
Action:Reiterated
Date:08/18/26
The score is primarily held back by elevated balance-sheet leverage and weakened profitability, alongside bearish technical signals with the stock trading below all major moving averages. Valuation is a key offset, supported by a low P/E and moderate dividend yield, while cash flow remains positive but has recently decelerated.
Positive Factors
Broad Universal-Banking Platform
The diversified universal-bank model provides multiple lending, transaction, and fee-income channels. Exposure to retail, corporate, and agribusiness clients can reduce reliance on one segment while the broader financial group supports cross-selling and recurring non-interest revenue.
Negative Factors
Elevated Balance-Sheet Leverage
The sharp increase in leverage raises financial risk and reduces balance-sheet flexibility. Greater reliance on debt can make earnings more sensitive to funding costs, credit conditions, and regulatory capital requirements, potentially limiting the bank’s ability to absorb future stress.
Read all positive and negative factors
Positive Factors
Negative Factors
Broad Universal-Banking Platform
The diversified universal-bank model provides multiple lending, transaction, and fee-income channels. Exposure to retail, corporate, and agribusiness clients can reduce reliance on one segment while the broader financial group supports cross-selling and recurring non-interest revenue.
Read all positive factors
Banco do Brasil SA (BDORY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$19.69B
Dividend Yield2.67%
Average Volume (3M)343.26K
Price to Earnings (P/E)8.3
Beta (1Y)0.33
Revenue Growth20.12%
EPS Growth-16.71%
CountryUS
Employees85,953
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.16
Shares Outstanding5,730,834,000
10 Day Avg. Volume339,969
30 Day Avg. Volume343,265
Financial Highlights & Ratios
PEG Ratio-0.19
Price to Book (P/B)0.66
Price to Sales (P/S)0.36
P/FCF Ratio0.82
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.61
Revenue Forecast (FY)$33.07B
Banco do Brasil SA Business Overview & Revenue Model
Company Description
Banco do Brasil S.A. (BDORY) is a prominent financial institution that, through its various subsidiaries, offers a comprehensive range of banking and financial services. Its operations span both Brazil and international territories, serving a dive...
How the Company Makes Money
Banco do Brasil primarily makes money from (1) net interest income and (2) fees and service revenues, supplemented by earnings from insurance, pension, and asset management-related activities within its broader financial group.
1) Net interest in...
Banco do Brasil SA Earnings Call Summary
Earnings Call Date:Nov 12, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:Nov 11, 2026
Earnings Call Sentiment Neutral
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.Positive Updates
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.
Negative Updates
High Delinquency Rates in Agribusiness Portfolio
The agribusiness segment faced a significant delinquency rate of 5.3%, a historically high level due to challenges in the sector.
Read all updates
Q3-2025 Updates
Positive
Negative
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.
Read all positive updates
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.Banco do Brasil SA Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
42
Neutral
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 362.35B | 342.86B | 310.75B | 125.47B | 123.25B | 168.71B |
| Gross Profit | 125.88B | 59.72B | 141.76B | 125.47B | 123.11B | 99.78B |
| EBITDA | 6.88B | 1.01B | 32.82B | 46.34B | 49.98B | 31.12B |
| Net Income | 12.28B | 13.43B | 26.36B | 29.86B | 31.11B | 19.71B |
Balance Sheet | ||||||
| Total Assets | 2.58T | 2.46T | 2.40T | 2.15T | 2.03T | 1.93T |
| Cash, Cash Equivalents and Short-Term Investments | 144.80B | 200.87B | 252.07B | 194.53B | 168.68B | 130.12B |
| Total Debt | 1.14T | 163.43B | 170.14B | 142.19B | 155.20B | 171.95B |
| Total Liabilities | 2.40T | 2.26T | 2.21T | 1.98T | 1.87T | 1.79T |
| Stockholders Equity | 181.70B | 189.21B | 179.62B | 169.24B | 160.57B | 142.00B |
Cash Flow | ||||||
| Free Cash Flow | 91.97B | 151.89B | 121.46B | 11.71B | 58.10B | -51.10B |
| Operating Cash Flow | 97.90B | 159.25B | 127.21B | 16.74B | 64.69B | -46.19B |
| Investing Cash Flow | -34.26B | -168.39B | -93.49B | 21.64B | -17.88B | -53.28B |
| Financing Cash Flow | 60.89B | -6.84B | -21.36B | -34.34B | -26.98B | -23.78B |
Banco do Brasil SA Technical Analysis
Negative
4.05
Price Trends
3.95
Negative
4.21
Negative
4.30
Negative
Market Momentum
-0.13
Positive
28.78
Positive
5.55
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BDORY, the sentiment is Negative. The current price of 4.05 is above the 20-day moving average (MA) of 4.00, above the 50-day MA of 3.95, and below the 200-day MA of 4.30, indicating a bearish trend. The MACD of -0.13 indicates Positive momentum. The RSI at 28.78 is Positive, neither overbought nor oversold. The STOCH value of 5.55 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BDORY.
Banco do Brasil SA Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
88 Outperform | $30.09B | 14.03 | 19.66% | 3.77% | 23.90% | 27.55% | |
70 Outperform | $16.22B | 13.56 | 22.63% | 4.43% | -3.09% | 2.72% | |
68 Neutral | $20.62B | 15.63 | 21.49% | 5.37% | 3.94% | 3.40% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $32.66B | 7.18 | 13.60% | 7.75% | 32.37% | 27.68% | |
62 Neutral | $21.29B | 30.20 | 11.81% | 5.10% | 20.73% | 27.11% | |
54 Neutral | $19.69B | 8.35 | 6.55% | 2.28% | 20.12% | -16.71% |
* Financial Sector Average
BDORY
Banco do Brasil SA
3.44
-0.19
-5.27%
BBD
Banco Bradesco SA
3.04
0.33
12.38%
BCH
Banco De Chile
41.09
13.39
48.32%
BSBR
Banco Santander Brasil
5.60
1.07
23.59%
BSAC
Banco Santander Chile
34.44
11.76
51.83%
BAP
Credicorp
368.44
129.43
54.15%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.