Banco Bradesco (BBD) Reports 26.1% Growth in 2025 Recurring Net Income to BRL 24.7 Billion

Banco Bradesco (NYSE:BBD) is one of the most undervalued penny stocks to buy right now. On February 5, Banco Bradesco announced that it concluded 2025 with a recurring net income of BRL 24.7 billion, representing 26.1% year-over-year growth. This performance marked the first time the bank exceeded its cost of capital since initiating its five-year transformation plan in 2024. Key operational drivers included an 11% expansion in the loan portfolio and a robust 16.1% increase in insurance results.

Management attributed these gains to a disciplined AI First strategy and structural shifts that increased digital retail engagement while gaining market share in the high-growth SME segment, which reached 16.6%. The bank’s strategic overhaul focused on segmenting its client base and modernizing its technological infrastructure, resulting in 19 million fully digital clients and a 40x reduction in the cost to serve them.

Banco Bradesco (NYSE:BBD) also intensified its focus on affluent markets through its Prime and Principal offerings, the latter of which expanded to 62 offices across 36 municipalities by year-end. Technology investments rose 22% in 2025, facilitating a threefold increase in internal delivery capacity. Despite these successes, the bank continues to manage a footprint reduction, having closed 2,800 service points over the last two years to optimize its physical network.

Banco Bradesco (NYSE:BBD), together with its subsidiaries, provides various banking products and services in Brazil and internationally. The company operates in two segments: Banking and Insurance.

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