NYSE:BBD Banco Bradesco Q3 2025 Earnings Report $3.42 -0.13 (-3.52%) Closing price 09/9/2026 03:59 PM EasternExtended Trading$3.42 -0.01 (-0.29%) As of 05:02 AM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more. ProfileEarnings HistoryForecast Banco Bradesco EPS ResultsActual EPS$0.09Consensus EPS $0.11Beat/MissMissed by -$0.02One Year Ago EPSN/ABanco Bradesco Revenue ResultsActual Revenue$3.91 billionExpected Revenue$34.75 billionBeat/MissMissed by -$30.84 billionYoY Revenue GrowthN/ABanco Bradesco Announcement DetailsQuarterQ3 2025Date10/30/2025TimeBefore Market OpensConference Call DateThursday, October 30, 2025Conference Call Time9:30AM ETUpcoming EarningsBanco Bradesco's Q3 2026 earnings is estimated for Wednesday, November 4, 2026, based on past reporting schedules, with a conference call scheduled on Thursday, November 5, 2026 at 7:00 AM ET. Check back for transcripts, audio, and key financial metrics as they become available.Conference Call ResourcesConference Call AudioConference Call TranscriptSlide DeckPress ReleaseEarnings HistoryCompany ProfileSlide DeckFull Screen Slide DeckPowered by Banco Bradesco Q3 2025 Earnings Call TranscriptProvided by QuartrOctober 30, 2025ShareShareShare This ReportLink copied to clipboard.Key Takeaways Negative Sentiment: Analysts flagged a sharp decline in demand and savings deposits; management attributed this to footprint reductions and active cash-management/ALM adjustments, raising funding and deposit-share concerns. Positive Sentiment: Insurance results—especially health—were highlighted as very strong (health earnings roughly double year‑ago levels), though analysts questioned the sustainability of that performance. Neutral Sentiment: Investors asked about the bank’s loan market‑share goal (previously cited range from 14% toward 15–19%); management noted market share has remained relatively stable and emphasized selective growth instead of broad share grabs. Neutral Sentiment: Management stressed ongoing funding and ALM initiatives and a selective increase in risk appetite for certain segments (focus on secured and higher‑comfort lines) as the route to future profitable growth. AI Generated. May Contain Errors.Conference Call Audio Live Call not available Earnings Conference CallBanco Bradesco Q3 202500:00 / 00:00Speed:1x1.25x1.5x2xTranscript SectionsPresentationParticipantsPresentationSkip to Participants Andre CarvalhoCEO at Banco Bradesco00:00:00[Foreign language]. Andre CarvalhoCEO at Banco Bradesco00:22:48[Foreign language.] Andre CarvalhoCEO at Banco Bradesco00:33:27[Foreign language]. Andre CarvalhoCEO at Banco Bradesco00:33:54[Foreign language]. Andre CarvalhoCEO at Banco Bradesco00:40:28BofA Securities Mario. Andre CarvalhoCEO at Banco Bradesco00:42:26[Foreign language]. Mario PierryManaging Director at Bank of America00:47:29[Foreign language]. Andre CarvalhoCEO at Banco Bradesco00:48:09[Foreign language]. Andre CarvalhoCEO at Banco Bradesco00:56:21[Foreign language]. Andre CarvalhoCEO at Banco Bradesco00:56:25[Foreign language]. Andre CarvalhoCEO at Banco Bradesco00:58:27[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:02:11[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:03:04[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:03:16[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:08:33[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:10:17[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:13:53[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:14:22[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:15:27[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:16:07[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:16:07[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:18:07The next question comes from Carlos Gomez-Lopez from HSBC. Carlos, good to see you. Carlos Gomez-LopezHead of LatAm Financial Institutions at HSBC01:18:15Hello Andre, and thank you. Hi, good to see you. Thank you for taking my call. I had two questions. The first one is about funding that we haven't talked about. In particular, we saw a big decline in demand deposits and saving deposits. Is that, in your opinion, related to the reduction in footprint? What do you think your current market share is in those two lines, in demand deposits and in saving deposits? Second, on insurance, you continue to deliver very, very good results. I'm going to ask once more about the sustainability, specifically in health insurance, where your earnings are now twice the level that you had last year. Thank you. Andre CarvalhoCEO at Banco Bradesco01:18:59Thank you. Carlos, you can start. The subject of deposits, right. Andre CarvalhoCEO at Banco Bradesco01:20:39[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:21:58[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:27:20[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:27:21[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:27:47[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:28:52The next question comes from Tito Labarta from Goldman Sachs. Tito. Tito LabartaVP at Goldman Sachs01:28:59Thank you, Andre. Good morning, Marcelo, Cassiano. Thank you for taking my question. My question, you've talked a little bit about growth and you're growing in some segments where you feel more comfort, particularly more than secured lines. In the other segments you're not growing, but you may increase your risk appetite going forward. Marcelo, if we go back after you became CEO, part of your strategic plan was to potentially increase market share in loans from 14% to maybe 15% to 19%. Since then, your market share is still relatively stable. Just thinking, how important do you think it will be to increase your market share in order to keep improving profitability? Or should the focus be more maybe focus on the segments that are more profitable where your overall market share maybe matters less? Tito LabartaVP at Goldman Sachs01:29:47Just how should we think about your ability to gain market share from here and how important that will be for you to improve your profitability going forward? Thank you. Tito LabartaVP at Goldman Sachs01:31:18[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:31:46[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:35:02Thank you, Tito. [Foreign language].Read moreParticipantsExecutivesAndre CarvalhoCEOAnalystsAnalyst 2Mario PierryManaging Director at Bank of AmericaTito LabartaVP at Goldman SachsAnalyst 1Carlos Gomez-LopezHead of LatAm Financial Institutions at HSBCCompany RepresentativeAnalyst 3Powered by Earnings DocumentsSlide DeckEarnings Release Banco Bradesco Earnings HeadlinesBanco Bradesco Target of Unusually Large Options Trading (NYSE:BBD)September 6, 2026 | americanbankingnews.comTop Banco Bradesco Executive Makes Attention-Grabbing Move With Insider Stock SaleAugust 26, 2026 | tipranks.comI found Rolls-Royce at $2 - now I see the same setup againIn 2022, Karim Rahemtulla recommended Rolls-Royce under $2 - a misunderstood aerospace name the market had written off. The stock climbed more than 1,100% over the next 3-4 years, with some subscribers reporting gains of $141,000, $272,000, or more. He believes a similar setup is forming now around what he calls the 'Energy Cube' - a compact nuclear system roughly the size of a shipping container, capable of powering up to 1,000 homes with no emissions, 24 hours a day. Bill Gates, Jeff Bezos, Google, and Microsoft have all backed companies in this space. The Nuclear Regulatory Commission is expected to issue a key approval as early as September - the first of its kind for this technology class in over a decade. | Monument Traders Alliance (Ad)Banco Bradesco Clarifies Position on Rumored Financing for Amil AcquisitionAugust 26, 2026 | tipranks.comBanco Bradesco S/A Pref ADRAugust 19, 2026 | barrons.comBanco Bradesco Discloses Stable Insider Positions and July 2026 Trading by ExecutivesAugust 11, 2026 | tipranks.comSee More Banco Bradesco Headlines Get Earnings Announcements in your inboxWant to stay updated on the latest earnings announcements and upcoming reports for companies like Banco Bradesco? Sign up for Earnings360's daily newsletter to receive timely earnings updates on Banco Bradesco and other key companies, straight to your email. Email Address About Banco BradescoBanco Bradesco (NYSE:BBD) S.A. is a Brazilian financial services company headquartered in Osasco, São Paulo. Founded in 1943 in Marília, São Paulo, the bank provides financial products and services to individual, business and corporate customers throughout Brazil. Its activities include retail and commercial banking, corporate lending, deposits, payment services, credit and debit cards, investment products, asset management, leasing and consortium services. Through Bradesco Seguros, the group also offers insurance, pension and capitalization products. Bradesco serves customers through a nationwide network of branches and digital channels, with operations focused primarily on Brazil and selected international activities designed to support Brazilian companies and clients abroad. Its American depositary shares trade on the New York Stock Exchange under the symbol BBD.View Banco Bradesco ProfileRead more More Earnings Resources from MarketBeat Earnings Tools Today's Earnings Tomorrow's Earnings Next Week's Earnings Upcoming Earnings Calls Earnings Newsletter Earnings Call Transcripts Earnings Beats & Misses Corporate Guidance Earnings Screener Latest Articles Casey’s Post-Earnings Drop May Give Investors a Better Entry Into a Quality RetailerCathie Wood Trimmed Palantir, But the Bigger Story Is Still ValuationIntel’s ASML Milestone Gives Investors a New Reason to Revisit the StockAnalog Devices Shows Why AI Is Not the Only Story Driving Chip DemandDefense, Solar, and Refining Stocks Split as the Iran Conflict Raises Energy RiskLithia’s Record Quarter Keeps the Bull Case AliveLululemon’s Problems May Not Be a Warning for Every Athleticwear Stock Upcoming Earnings Cintas (9/23/2026)Costco Wholesale (9/24/2026)Micron Technology (9/30/2026)NIKE (10/1/2026)Accenture (10/1/2026)PepsiCo (10/8/2026)Delta Air Lines (10/8/2026)America Movil (10/13/2026)BlackRock (10/13/2026)Citigroup (10/13/2026) Unlock superior investment research and tools. 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PresentationSkip to Participants Andre CarvalhoCEO at Banco Bradesco00:00:00[Foreign language]. Andre CarvalhoCEO at Banco Bradesco00:22:48[Foreign language.] Andre CarvalhoCEO at Banco Bradesco00:33:27[Foreign language]. Andre CarvalhoCEO at Banco Bradesco00:33:54[Foreign language]. Andre CarvalhoCEO at Banco Bradesco00:40:28BofA Securities Mario. Andre CarvalhoCEO at Banco Bradesco00:42:26[Foreign language]. Mario PierryManaging Director at Bank of America00:47:29[Foreign language]. Andre CarvalhoCEO at Banco Bradesco00:48:09[Foreign language]. Andre CarvalhoCEO at Banco Bradesco00:56:21[Foreign language]. Andre CarvalhoCEO at Banco Bradesco00:56:25[Foreign language]. Andre CarvalhoCEO at Banco Bradesco00:58:27[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:02:11[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:03:04[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:03:16[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:08:33[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:10:17[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:13:53[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:14:22[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:15:27[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:16:07[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:16:07[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:18:07The next question comes from Carlos Gomez-Lopez from HSBC. Carlos, good to see you. Carlos Gomez-LopezHead of LatAm Financial Institutions at HSBC01:18:15Hello Andre, and thank you. Hi, good to see you. Thank you for taking my call. I had two questions. The first one is about funding that we haven't talked about. In particular, we saw a big decline in demand deposits and saving deposits. Is that, in your opinion, related to the reduction in footprint? What do you think your current market share is in those two lines, in demand deposits and in saving deposits? Second, on insurance, you continue to deliver very, very good results. I'm going to ask once more about the sustainability, specifically in health insurance, where your earnings are now twice the level that you had last year. Thank you. Andre CarvalhoCEO at Banco Bradesco01:18:59Thank you. Carlos, you can start. The subject of deposits, right. Andre CarvalhoCEO at Banco Bradesco01:20:39[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:21:58[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:27:20[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:27:21[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:27:47[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:28:52The next question comes from Tito Labarta from Goldman Sachs. Tito. Tito LabartaVP at Goldman Sachs01:28:59Thank you, Andre. Good morning, Marcelo, Cassiano. Thank you for taking my question. My question, you've talked a little bit about growth and you're growing in some segments where you feel more comfort, particularly more than secured lines. In the other segments you're not growing, but you may increase your risk appetite going forward. Marcelo, if we go back after you became CEO, part of your strategic plan was to potentially increase market share in loans from 14% to maybe 15% to 19%. Since then, your market share is still relatively stable. Just thinking, how important do you think it will be to increase your market share in order to keep improving profitability? Or should the focus be more maybe focus on the segments that are more profitable where your overall market share maybe matters less? Tito LabartaVP at Goldman Sachs01:29:47Just how should we think about your ability to gain market share from here and how important that will be for you to improve your profitability going forward? Thank you. Tito LabartaVP at Goldman Sachs01:31:18[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:31:46[Foreign language]. Andre CarvalhoCEO at Banco Bradesco01:35:02Thank you, Tito. [Foreign language].Read moreParticipantsExecutivesAndre CarvalhoCEOAnalystsAnalyst 2Mario PierryManaging Director at Bank of AmericaTito LabartaVP at Goldman SachsAnalyst 1Carlos Gomez-LopezHead of LatAm Financial Institutions at HSBCCompany RepresentativeAnalyst 3Powered by
