BDORY(BDORY)

$4.42—Stale · unknown old

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BDORY(BDORY)

OTC • Last print unknown ago

$4.42—Stale · unknown old

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BDORY(BDORY)

BDORY

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9/8/26

Banco do Brasil (BDORY)

Tuesday

5:18 AM

ThesisBanco do Brasil: the story is balanced — Brazilian Selic rate trajectory - directly impacts net interest margins and loan demand across all segments

Revenue Outlook

Metric	FY2025	FY2026E	FY2027E
Revenue	$342.9B	$172.4B	$177.9B
Rev. Growth	+10.3%	-49.7%	+3.2%
EPS	$2.36	$2.98	$4.47
EPS Growth	-48.9%	+26.3%	+50.0%
P/E (fwd)	1.9×	1.5×	1.0×

★ Analysts see FY2027 revenue reaching $177.9B — +3.2% growth in a single year.

What Moves the Stock

01Brazilian Selic rate trajectory - directly impacts net interest margins and loan demand across all segments
02Agribusiness credit quality and commodity price cycles - affects provisioning needs for 30-35% of loan book
03Government dividend policy and capital allocation decisions - state ownership creates uncertainty around capital returns
04Brazilian real exchange rate volatility - impacts dollar-denominated funding costs and international operations
05Credit spread movements on Brazilian sovereign debt - correlates with funding costs and risk appetite
06Net interest income from loan portfolios (estimated 55-60% of revenue) - concentrated in agribusiness, corporate, and retail lending
07Fee-based income from transaction banking, insurance distribution, asset management (estimated 25-30% of revenue)
08Treasury operations and trading income (estimated 10-15% of revenue)

FY2025 Snapshot

Revenue: $342.9B
Rev. Growth: +10.3%
Gross Margin: 17.4%
Op. Margin: 1.6%
Net Margin: 3.9%
Net Income: $13.4B
NI Growth: -49.1%
EPS: $2.36
1Y Return: +17.1%

My Notes

value - Stock trades at 0.8x price-to-book despite 7.5% ROE, attracting investors seeking mean reversion in Brazilian financials and betting…
Highly sensitive to Brazilian Selic rate movements.
Watch on earnings: Brazilian Selic policy rate (currently drives 60-70% of NIM volatility), ZCUSX (corn futures) and ZSUSX (soybean futures) as proxies for agribusiness borrower health, Brazilian real vs US dollar exchange rate (USDBRL) - impacts funding costs and international earnings.

One Sentence Summary:

Banco do Brasil: the story is balanced — brazilian selic rate trajectory - directly impacts net interest margins and loan demand across all segments.

Auto-composed from Stock Alarm intelligence, financial statements, and analyst estimates. Not investment advice.

Writing up the research noteFirst read for a new ticker takes about 20-30 seconds while we build the analysis from the latest fundamentals, estimates, and intelligence. It's saved after this, so future visits are instant.

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Metric

FY2025

FY2026E

FY2027E

P/E (fwd)

1.9×

1.5×

1.0×

What Moves the Stock

01Brazilian Selic rate trajectory - directly impacts net interest margins and loan demand across all segments

02Agribusiness credit quality and commodity price cycles - affects provisioning needs for 30-35% of loan book

03Government dividend policy and capital allocation decisions - state ownership creates uncertainty around capital returns

04Brazilian real exchange rate volatility - impacts dollar-denominated funding costs and international operations

05Credit spread movements on Brazilian sovereign debt - correlates with funding costs and risk appetite

06Net interest income from loan portfolios (estimated 55-60% of revenue) - concentrated in agribusiness, corporate, and retail lending

07Fee-based income from transaction banking, insurance distribution, asset management (estimated 25-30% of revenue)

08Treasury operations and trading income (estimated 10-15% of revenue)

My Notes

value - Stock trades at 0.8x price-to-book despite 7.5% ROE, attracting investors seeking mean reversion in Brazilian financials and betting…

Highly sensitive to Brazilian Selic rate movements.

Watch on earnings: Brazilian Selic policy rate (currently drives 60-70% of NIM volatility), ZCUSX (corn futures) and ZSUSX (soybean futures) as proxies for agribusiness borrower health, Brazilian real vs US dollar exchange rate (USDBRL) - impacts funding costs and international earnings.

Banco do Brasil (BDORY)

Revenue Outlook

What Moves the Stock

BDORY Chart

My Notes

One Sentence Summary:

Explore More

Banco do Brasil (BDORY)

Revenue Outlook

What Moves the Stock

BDORY Chart

My Notes

One Sentence Summary: