BBD Stock Analysis: Banco Bradesco | NYSE
Banks - Regional | NYSE, USA | Market Cap: 36.575m USD | 12M Return: 18.7% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 105M
EPS Trend: 91.3%
Qual. Beats: 1
Rev. Trend: 86.8%
Qual. Beats: 2
Warnings
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Banco Bradesco S.A. (NYSE: BBD) is a major Brazilian financial institution headquartered in Osasco, Brazil, operating since 1943. The company provides a wide range of banking and financial products and services to individuals, corporates, and businesses, both in Brazil and internationally.
The company operates through two main segments: Banking and Insurance. Its Banking segment encompasses investment, national, international, and private banking, as well as investment fund management, consortium administration, leasing, and corporate finance activities. Retail offerings include demand, savings, and time deposits, mutual funds, foreign exchange services, and various lending products such as overdrafts, credit cards, and installment loans. The Banking segment also covers treasury services and working capital financing.
The Insurance segment offers life, pension, health, and non-life insurance products, along with supplemental pension plans and capitalization bonds. Additionally, the company provides ancillary services such as cards, consortia, service packages, auctions, and debt renegotiation. Bradesco is classified within the Diversified Banks sub-industry of the Financials sector and ranks among the largest private-sector banks in Brazil, which hosts the largest banking system in Latin America.
- Net interest margin benefits from Brazils elevated Selic rate
- Insurance segment claims pressure impacts underwriting profitability
- Credit quality deteriorates amid Brazil consumer default uptick
| Net Income: 22.8b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA 7.12 > 1.0 |
| NWC/Revenue: -247.2% < 20% (prev -164.8%; Δ -82.34% < -1%) |
| CFO/TA -0.01 > 3% & CFO -23.1b > Net Income 22.8b |
| Current Ratio: 0.27 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.6b) vs 12m ago -0.11% < -2% |
| Gross Margin: 33.56% > 18% (prev 32.13%; Δ 1.44% > 0.5%) |
| Asset Turnover: 16.07% > 50% (prev 12.60%; Δ 3.46% > 0%) |
| Interest Coverage Ratio: -0.02 > 6 (EBIT TTM -4.19b / Interest Expense TTM 206b) |
| A: -0.37 (Total Current Assets 323b - Total Current Liabilities 1215b) / Total Assets 2435b |
| B: 0.00 (Retained Earnings 77.0m / Total Assets 2435b) |
| C: -0.00 (EBIT TTM -4.19b / Avg Total Assets 2245b) |
| D: 0.08 (Book Value of Equity 180b / Total Liabilities 2255b) |
| Altman-Z'' = -2.33 = D |
| DSRI: 0.15 (Receivables 7.46b/35.5b, Revenue 361b/259b) |
| GMI: 0.96 (GM 32.13% / 33.56%) |
| AQI: 1.13 (AQ_t 0.86 / AQ_t-1 0.76) |
| SGI: 1.39 (Revenue 361b / 259b) |
| TATA: 0.02 (NI 22.8b - CFO -23.1b) / TA 2435b) |
| Beneish M = -3.40 (Cap -4..+1) = AA |
As of July 04, 2026, the stock is trading at USD 3.45 with a total of 27,910,300 shares traded. Over the past week, the price has changed by +2.99%, over one month by +2.07%, over three months by -5.61% and over the past year by +18.72%.
Current recommended Stop Loss: 3.20 (which is 7.2% or 2.5 ATR below the current price).
Banco Bradesco has received a consensus analysts rating of 3.67. Therefore, it is recommended to hold BBD.
- StrongBuy: 2
- Buy: 1
- Hold: 2
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 4.4 | 27.5% |
P/E Trailing = 8.65
P/E Forward = 8.7951
P/S = 0.399
P/B = 1.0601
P/EG = 1.8711
Revenue TTM = 361b USD
EBIT TTM = -4.19b USD
EBITDA TTM = 3.02b USD
Long Term Debt = 463b USD (from longTermDebt, last quarter)
Short Term Debt = 355b USD (from shortTermDebt, last quarter)
Debt = 825b USD (from shortLongTermDebtTotal, last quarter) + Leases 3.09b
Net Debt = 519b USD (calculated: Debt 825b - CCE 305b)
Enterprise Value = 556b USD (36.6b + Debt 825b - CCE 305b)
Interest Coverage Ratio = -0.02 (Ebit TTM -4.19b / Interest Expense TTM 206b)
EV/FCF = -17.13x (Enterprise Value 556b / FCF TTM -32.4b)
FCF Yield = -5.84% (FCF TTM -32.4b / Enterprise Value 556b)
FCF Margin = -9.00% (FCF TTM -32.4b / Revenue TTM 361b)
Net Margin = 6.32% (Net Income TTM 22.8b / Revenue TTM 361b)
Gross Margin = 33.56% ((Revenue TTM 361b - Cost of Revenue TTM 240b) / Revenue TTM)
Gross Margin QoQ = 28.57% (prev 45.32%)
Tobins Q-Ratio = 0.23 (Enterprise Value 556b / Total Assets 2435b)
Interest Expense / Debt = 24.95% (Interest Expense 206b / Debt 825b)
Taxrate = 33.20% (2.60b / 7.83b)
NOPAT = -2.80b (EBIT -4.19b * (1 - 33.20%)) [loss with tax shield]
Current Ratio = 0.27 (Total Current Assets 323b / Total Current Liabilities 1215b)
Debt / Equity = 4.59 (Debt 825b / totalStockholderEquity, last quarter 180b)
Debt / EBITDA = 172.2 (Net Debt 519b / EBITDA 3.02b)
Debt / FCF = -16.01 (negative FCF - burning cash) (Net Debt 519b / FCF TTM -32.4b)
Total Stockholder Equity = 177b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.01% (Net Income 22.8b / Total Assets 2435b)
RoE = 12.87% (Net Income TTM 22.8b / Total Stockholder Equity 177b)
RoCE = -0.65% (EBIT -4.19b / Capital Employed (Equity 177b + L.T.Debt 463b))
RoIC = -0.18% (negative operating profit) (NOPAT -2.80b / Invested Capital 1558b)
WACC = 16.34% (E(36.6b)/V(861b) * Re(9.09%) + D(825b)/V(861b) * Rd(24.95%) * (1-Tc(0.33)))
Discount Rate = 9.09% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -93.21 | Cagr: -0.29%
[DCF] Fair Price = unknown (Cash Flow -32.4b)
EPS Correlation: 91.27 | EPS CAGR: 17.35% | SUE: 1.08 | # QB: 1
Revenue Correlation: 86.82 | Revenue CAGR: 15.50% | SUE: 0.90 | # QB: 2
EPS current Quarter (2026-06-30): EPS=0.13 | Chg30d=+6.56% | Revisions=+40% | Analysts=2
EPS next Quarter (2026-09-30): EPS=0.13 | Chg30d=+2.37% | Revisions=+25% | Analysts=2
EPS current Year (2026-12-31): EPS=0.49 | Chg30d=+8.60% | Revisions=+50% | GrowthEPS=+11.4% | GrowthRev=+9.5%
EPS next Year (2027-12-31): EPS=0.56 | Chg30d=+9.37% | Revisions=+50% | GrowthEPS=+14.2% | GrowthRev=+7.3%
[Analyst] Revisions Ratio: +75% (up=9, down=0)