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Banco Bradesco Sa (DE:BREC)
FRANKFURT:BREC
RESEARCH TOOLSreports
Earnings Data
Report Date
Jul 31, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.08Last Year’s EPS
0.07Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Date:May 08, 2025
|% Change Since: 22.77%
|Next Earnings Date:Jul 31, 2025
Earnings Call Sentiment|Positive
Banco Bradesco reported strong financial performance in Q1 2025, with significant growth in net income, revenue, and a robust loan book. The insurance group and technology investments also contributed positively. However, there are concerns about capital adequacy and future market NII conditions, along with fluctuations in wholesale banking performance. Overall, the highlights outweigh the lowlights, indicating optimism for continued growth.Company Guidance
In the first quarter of 2025, Banco Bradesco reported a recurring net income of nearly BRL5.9 billion, marking a year-on-year increase of over 39% and a quarter-on-quarter growth of 8.6%, with a return on average equity (ROAE) of 14.4%. The bank's total revenue reached BRL32 billion, growing 15% year-on-year, supported by a 13.7% increase in total net interest income, a 10.3% rise in fee and commission income, and a 32.7% growth in insurance revenue. The expanded loan portfolio increased by 4.9% year-on-year and 2.4% quarter-on-quarter, excluding John Deere Bank, with notable growth seen in loans to individuals (16.2%) and micro, small, and medium-sized enterprises (nearly 30% year-on-year). The bank also highlighted a reduction in operating expenses by 8.6% quarter-on-quarter. Despite these positive results, the bank maintained a cautious outlook on future growth, focusing on secured loans and leveraging technology for enhanced productivity, while considering potential revisions to its annual guidance later in the year.Significant Net Income Growth
Banco Bradesco reported a recurring net income of BRL5.9 billion, marking a growth of more than 39% year-on-year and 8.6% quarter-on-quarter, with a Return on Average Equity (ROAE) of 14.4%.
Strong Revenue Performance
Total revenue was BRL32 billion, growing 15% year-on-year. Notably, fee and commission income increased by 10.3%, and the insurance segment grew by 32.7% year-on-year.
Robust Loan Book Growth
The expanded loan portfolio grew by 4.9% year-on-year and 2.4% quarter-on-quarter. Micro, small, and medium-sized enterprises saw almost 30% year-on-year growth, and individual loans grew by 16.2%.
Insurance Group Performance
The insurance group achieved a high ROAE of 22.4% with revenue growth of 25.3% year-over-year, reaching BRL30 billion in revenue from insurance premiums, pension contributions, and capitalization bonds.
Operational Efficiency and Technology Investments
Operating expenses grew by 12% year-over-year, but the bank has been reducing its footprint with 1,400 branches closed and is investing in technology and data analytics to improve productivity.
DE:BREC 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
DE:BREC Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 08, 2025 | €2.02 | €2.04 | +0.99% |
Feb 07, 2025 | €2.03 | €2.07 | +1.92% |
Oct 31, 2024 | €2.27 | €2.27 | 0.00% |
Aug 05, 2024 | €1.92 | €1.87 | -2.35% |
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 Sa (DE:BREC) report earnings?
Banco Bradesco Sa (DE:BREC) is schdueled to report earning on Jul 31, 2025, TBA Not Confirmed.
What is Banco Bradesco Sa (DE:BREC) earnings time?
Banco Bradesco Sa (DE:BREC) earnings time is at Jul 31, 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 the P/E ratio of Banco Bradesco Sa stock?
The P/E ratio of Banco Bradesco SA is N/A.
What is DE:BREC EPS forecast?
DE:BREC EPS forecast for the fiscal quarter 2025 (Q2) is 0.08.