Banco do Brasil S.A.
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About the company
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.
- CEO
- Tarciana Paula Gomes Medeiros
- IPO
- 2009
- Employees
- 85,953
- HQ
- Brasília, DF, BR
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Similar companies
Peers in the same neighborhood.
- Market Cap
- $20.10B
- P/E
- 8.39
- Fwd P/E
- 1.07
- PEG
- -0.37
- P/S
- 0.28
- P/B
- 0.55
- EV/EBITDA
- 176.55
- Div Yield
- 2.29%
- Gross Margin
- 28.59%
- Op Margin
- 4.05%
- Net Margin
- 3.34%
- ROE
- 6.55%
- ROIC
- 0.82%
Latest fiscal year · YoY change
- Revenue
- $342.86B+10.3%
- Gross Profit
- $59.72B-57.9%
- Op Income
- $5.50B
- Net Income
- $13.43B-49.1%
- EPS
- $2.36-48.9%
- OCF Growth
- +25.2%
- FCF Growth
- +25.0%
- 52W High
- $5.47
- 52W Low
- $3.47
- 50D MA
- $3.95
- 200D MA
- $4.32
- Beta
- 0.25
- RSI (14)
- 35
- Avg Volume
- 524.61K
Earnings call summaries
Pick a quarter — each call distilled into takeaways, results, and a bull vs bear read.
Banco do Brasil said 2025 is being reshaped by agribusiness stress and regulatory changes, but management still expects to protect profitability, capital, and longer-term growth through renegotiations and tighter risk control.· November 13, 2025
- Guidance was cut to BRL 59 billion-BRL 62 billion for credit costs and BRL 18 billion-BRL 21 billion for adjusted profit.
- Management said the main driver of the revision was slower-than-expected agribusiness renegotiation under MP 1314/BB Regulariza Agro, which lifted provisions.
- The bank said it has BRL 11.4 billion of loans under analysis, BRL 5.4 billion already negotiated, and a target of about BRL 24 billion in proposals.
- Capital remains a focus: management cited a principal capital ratio of 11.16% and said payout will stay at 30% for now.
- Executives said they still expect lower provisions in 2026 as restructuring works through the portfolio, but timing depends on client renegotiations.
- results":"Management did not provide a full quarterly revenue or EPS release in the transcript. The call instead focused on guidance and credit quality: Banco do Brasil revised 2025 credit-cost guidance to BRL 59 billion-BRL 62 billion and adjusted profit guidance to BRL 18 billion-BRL 21 billion. The CEO also cited BRL 26.4 billion in performance-related net value and said capital was 11.16%, while management said it had already accounted for BRL 60 billion of provisions in P&L and equity and still expects to deliver something close to BRL 20 billion of net profit in 2024. Forwardly, management said 2026 should bring lower provisions and movement toward mid-teens ROE, with more clarity expected when full-year numbers are disclosed in February.","ceo":"Tarciana Gomes Medeiros framed the quarter as one of resilience in a turbulent regulatory and credit environment, emphasizing Banco do Brasil's ability to absorb changes in credit-risk treatment. She highlighted the scale of the franchise, the strength of more than 120,000 employees, and the bank's intention to enter a new growth cycle while preserving its core values. Her tone was defensive but confident: acknowledge the stress, explain the adjustments, and focus on rebuilding momentum through technology, specialized relationships, and disciplined execution.","cfo":"Marco Geovanne da Silva focused on the financial impact of agribusiness renegotiations and the resulting provision build. He said the guidance revision was driven by producers waiting for MP 1314, which raised delinquency and pushed the bank to refine its estimates; he also noted BRL 1.3 billion of provisions for a specific retail-company case. He repeatedly cited the current scale of the program: BRL 11.4 billion under analysis, BRL 5.4 billion negotiated, and a BRL 24 billion target, while emphasizing that capital relief is tied to tax credits and that management remains conservative on payout at 30%.
- qanda":"Analysts pressed management on whether the new guidance is reliable, whether agribusiness deterioration could still worsen in 4Q, and whether more provisions might be needed. Management said confidence is high, argued that the revision was meant to be more accurate, and said it believes 2024 net profit will still land around BRL 20 billion. Questions also focused on the timeline and mechanics of MP 1314 renegotiations, with management saying each case is individually assessed, terms can extend up to 9 years, and the bank is prioritizing producers with short-delinquency issues. Later questions covered capital and payout, where management said 30% payout will remain the policy for now, and international funding, where the bank said it will stay present in overseas markets but sees no new issuance near term after calling its AT1 because domestic funding is cheaper.","bull":"Management believes the agribusiness problem is being addressed through a structured renegotiation program rather than left to deteriorate, with BRL 5.4 billion already negotiated and a larger BRL 24 billion opportunity. They also said the bank can still generate roughly BRL 20 billion of 2024 net profit even after very heavy provisioning, suggesting the franchise is absorbing the shock. Executives described 2026 as a year with lower provisions and better ROE potential once the restructuring runs through.","bear":"The near-term story is clearly dominated by agribusiness stress, higher delinquency, and elevated provisions, with management openly saying the 2025 outlook had to be cut. Analysts also highlighted uncertainty about whether the portfolio has already bottomed, and management would not promise an immediate inflection, only saying November and December execution will matter. Capital and payout are constrained by the stress, and even management said the timing of relief in 2026 depends on how quickly renegotiations progress."} </final>```json {}```
AI summary of the company's earnings call · Paraphrased · Not investment advice
- Free Float
- 45.3%
- Shares Outstanding
- 5.71B
- Float Shares
- 2.59B
of shares held by institutions
9 13F filers
Congressional trading
Senate and House stock disclosures for BDORY, newest first.
| Member | Type | Traded | |
|---|---|---|---|
| Sheri BiggsHouse · SC03 | Sell | Mar 18, 25 | Filing → |
Source: public STOCK Act disclosures. Filed weeks after the trade — a lagging signal, not a real-time one.
Top institutional holders
Largest 13F positions, with quarter-over-quarter change.
| Holder | Shares | Δ Quarter |
|---|---|---|
| First Horizon Advisors, Inc. | 268 | ▲ 268 |
Held by 4 ETFs
Biggest fund positions in BDORY by dollar value.
Our BDORY coverage
Recent articles, reports, and earnings notes.
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