Rows shaded green = improving QoQ, red = declining. Figures directional; see notes.
Quarter
Revenue
YoY
EPS / Key
Trend
Q3'25
—
—
0.14
▬ steady
Q4'25
—
—
0.15
▲ improving
Q1'26
—
—
0.13
▼ declining
Q2'26
—
—
0.14
▲ improving
Latest Earnings / Delivery Highlights
ROE
~14%
Resilient despite high rates
Asset quality
Watch
Provisions elevated
JCP/Dividends
Semiannual
Interest-on-capital payouts
Catalysts vs Risks
▲ Catalysts
Brazil rate-cut cycle (Selic peak)HIGH IMPACT
BRL stabilization vs USDMEDIUM IMPACT
Credit normalizationMEDIUM IMPACT
▼ Risks
EM macro & political riskHIGH
FX translation to USDHIGH
Credit cost escalationMEDIUM
Bottom Line
◀ SELLHOLDBUY ▶
HOLD · Buy/Sell 52/100
A cheap, well-backed EM bank whose ADR is hostage to Brazilian rates and the real. At ~8x earnings near book with a 6% payout, value is visible, but the Selic and FX overhang keep it a hold until rate cuts and credit trends confirm.
Generated October 31, 2026. Prices: last close October 30, 2026. Live quotes via AlphaVantage (CURI, NGL, BSBR) and public market data (others); ADA is a 24/7 crypto price. Risk score = 0.35×Valuation + 0.35×Financial Health + 0.30×Growth (0=low risk, 100=high). Quarterly and some fundamental figures are directional/approximate. Informational only — not investment advice.