Analyst Consensus ?
ConsensusHold13 ratings
Bullish323.1%
Neutral861.5%
Bearish215.4%
Banco Bradesco S.A. · BBDO · FY2024 Q3 · Calendar Q4 2024
Bradesco emphasizes risk-adjusted growth and digital expansion
The quarter supports a measured case for earnings resilience: profitability improved, insurance and collateralized lending were constructive, and digital initiatives may support efficiency. The countercase is that rates, competition, credit quality and regulatory execution could limit the durability of growth.
Reported Before market openNYSEFinancial Services
$41.01B market cap
80quality score
Earnings scorecard
Reported versus consensus
Reported EPS
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Consensus —
EPS surprise
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Reported versus consensus
Reported revenue
—
Consensus —
Revenue surprise
—
Reported versus consensus
Market reaction
prior-close to event-session close
Stock move
+0.9%
Event window
SPY move
-0.6%
Same window
Abnormal move
+1.6%
Stock minus SPY
Volume
0.6×
Versus trailing sessions
Subsequent drift
-11.7%
Up to 20 sessions
BBDOSPY benchmark
Ask FN2 about BBDO FY2024 Q3
Transcript, numbers and history already loaded
What drove BBDO's +0.9% move after FY2024 Q3 earnings?What changed in BBDO's guidance and outlook in FY2024 Q3?Give me the bull and bear case for BBDO after FY2024 Q3 earnings.
Free account. Your question opens in FN2 with this report's transcript and numbers attached.
Transcript intelligence
What changed
Management highlighted the completed Cielo tender offer, introduced Bradesco Principle for affluent clients, and emphasized collateralized lending, insurance, digital transformation and AI as operating priorities.
Guidance delta
Management maintained guidance and said it expects to meet the plan.
Key takeaways
- Management described Q3 profitability growth, with net income up 11% quarter over quarter and revenue up 3.7%.
- Collateralized lending programs and insurance were highlighted as growth areas with stronger risk-adjusted returns.
- Bradesco is expanding digital, AI and GenAI initiatives while optimizing its branch footprint.
- The new Bradesco Principle segment targets affluent clients and potential fee-income growth.
Management priorities
- Expand collateralized loan programs and improve risk-adjusted returns.
- Scale the Bradesco Principle affluent-client segment.
- Continue digital transformation, AI deployment and cost discipline.
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Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| Barclays | Equal Weight | Equal Weight | Maintain | Mar 6, 2023 |
| Goldman Sachs | Neutral | Neutral | Maintain | Feb 16, 2023 |
| B of A Securities | Neutral | Buy | Downgrade | Nov 8, 2022 |
| Itau BBA | Perform | Outperform | Downgrade | Sep 13, 2021 |
| JP Morgan | Overweight | Overweight | Maintain | Mar 26, 2020 |
| Morgan Stanley | Overweight | Equal Weight | Upgrade | Aug 6, 2019 |
| UBS | Neutral | Buy | Downgrade | May 4, 2016 |
| Citigroup | Sell | Neutral | Downgrade | Apr 7, 2016 |
| Deutsche Bank | Hold | Buy | Downgrade | Mar 21, 2016 |
| Scotiabank | Underperform | Underperform | Maintain | Mar 15, 2016 |
| Bank of America | Buy | Neutral | Upgrade | Mar 14, 2016 |
| Canaccord Genuity | Neutral | Outperform | Downgrade | Apr 8, 2015 |
| GBM | Perform | Market Underperform | Upgrade | Jul 23, 2013 |
Track every rating change on BBDO the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationBanco Bradesco S.A., together with its subsidiaries, provides various banking products and services in Brazil and internationally. The company operates in two segments, Banking and Insurance. It engages in banking operations, including investment, national, international, and private banking, as well as investment fund management, consortium administration, middle market and corporate activities, and leasing. The company also provides retail banking products, such as demand, savings, and time deposits, as well as mutual funds, foreign exchange services, and various loans and advances comprising overdrafts, credit cards, and loans with repayments in installments; and fund…
Historical context
All BBDO earningsFinancial Services peers this season
Latest reports in the same sector
Latest beats and misses
Who reports nextBeat on EPS
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- FCNCNFY2026 Q3 · October 23, 2026+19.9% EPS+0.2% move
- FCNCOFY2026 Q3 · October 23, 2026+19.9% EPS+1.0% move
- FCNCPFY2026 Q3 · October 23, 2026+19.9% EPS+1.0% move
- RDYFY2027 Q2 · October 23, 2026+24.0% EPS-0.2% move
- SLBFY2026 Q3 · October 23, 2026+3.7% EPS+7.1% move
Missed on EPS
- INFYFY2027 Q2 · October 23, 2026-4.8% EPS-6.6% move
- BBDFY2026 Q3 · October 22, 2026-7.7% EPS+3.0% move
- SNAFY2026 Q3 · October 22, 2026-5.9% EPS-3.4% move
- SPOTFY2026 Q3 · October 22, 2026-11.6% EPS+11.1% move
- VRSNFY2026 Q3 · October 22, 2026-2.0% EPS-0.9% move
- HBANMFY2026 Q3 · October 22, 2026-5.3% EPS+0.5% move
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Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2024-11-10T18:39:04.055137+00:00
- Polygon adjusted daily market bars · 2026-10-24T09:00:41.482073+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-10-24. For educational purposes only; not investment advice.