)
Edge6 Feb 2026
SharkNinja: Viral by Design
How SharkNinja built a repeatable growth engine, turning overlooked appliance categories into global brands through consumer insight and iteration.
Banco BTG Pactual
Banco BTG Pactual (BPAC11) investor relations material
Banco BTG Pactual Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary9 Feb, 2026
Executive summary
Achieved record financial results in 2025, with revenues of R$33.0bn (+32% YoY), net income of R$16.7bn (+35% YoY), and ROAE at 26.9%, the highest in company history, driven by strong growth across all business lines and successful integration of Banco PAN.
Q4 2025 revenues were R$9.1bn (+35% YoY), with adjusted net income of R$4.6bn (+40% YoY) and ROAE of 27.6%.
All business segments delivered record or strong results, with significant market share gains, operational leverage, and robust organic net new money inflows.
Total assets reached R$806bn (+17.7% sequentially); AuM/WuM at R$2.5tn (+31% YoY).
Investments in digital banking, new products, and market expansion have matured, supporting multi-year growth and operating leverage.
Financial highlights
FY2025 total revenues: R$33.0bn (+32% YoY); adjusted net income: R$16.7bn (+35% YoY); adjusted ROAE: 26.9%.
Q4 2025 total revenues: R$9.1bn (+35% YoY); adjusted net income: R$4.6bn (+40% YoY); adjusted ROAE: 27.6%.
Net new money for FY2025: R$354bn; AuM/AUA at R$1.25tn (+26% YoY); WuM at R$1.23tn (+37% YoY).
Cost-to-income ratio improved to 35.4% for 2025 (down from 37.5% in 2024); compensation ratio at 20.5%.
Basel ratio at 15.5%; total assets R$806bn; shareholders' equity R$70bn (+21.8% YoY); LCR at 176.8%.
Outlook and guidance
Confident in sustaining ROAE above 25% in the coming years, with continued market share gains and business line growth.
Growth rates expected to moderate from 2025's exceptional levels, but strong expansion anticipated in consumer finance, asset management, and wealth management.
Core Equity Tier 1 ratio targeted between 11% and 12% to balance growth and capital efficiency.
The new Consumer Finance & Banking segment will be fully consolidated from 2026, replacing Participations.
Strategic benefits of new Consumer Finance segment
Implications of increased Sales & Trading VaR
What is driving the reduction in funding costs?
Consumer Finance ROE alignment with BTG's
Long-term cost-to-income ratio target
Proposed FGC regulation changes impact
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Banco BTG Pactual earnings date
Q1 202612 May, 2026
Banco BTG Pactual
Next Banco BTG Pactual earnings date
Q1 202612 May, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Banco BTG Pactual S.A. (BPAC11) is a financial services firm based in Rio de Janeiro, Brazil. The company provides a range of services including wealth management, investment banking, corporate loans, brokerage, and other financial solutions. Its offerings encompass capital markets services, credit and loan guarantees, clearing and derivatives, equities, financial planning and advisory, investment products, foreign exchange, and energy and commodities transactions. Additionally, BTG Pactual offers services such as succession planning, pension plans, corporate consulting, family office services, investment and hedge funds, fiduciary administration, and project financing.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage