(BBD) Banco Bradesco - Overview
Exchange: NYSE •
Country: Brazil •
Currency: USD •
Type: Common Stock •
ISIN: US0594603039
Stock: Banking, Insurance, Loans, Cards, Investments
Total Rating 43
Risk 40
Buy Signal -1.00
Dividends
| Dividend Yield | 7.40% |
| Yield on Cost 5y | 4.98% |
| Yield CAGR 5y | 12.51% |
| Payout Consistency | 71.9% |
| Payout Ratio | 25.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 33.5% |
| Relative Tail Risk | -7.42% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.11 |
| Alpha | 101.97 |
| Character TTM | |
|---|---|
| Beta | 0.629 |
| Beta Downside | 0.317 |
| Drawdowns 3y | |
|---|---|
| Max DD | 44.05% |
| CAGR/Max DD | 0.60 |
Description: BBD Banco Bradesco December 17, 2025
Banco Bradesco S.A. (NYSE:BBD) is a diversified Brazilian financial group that operates through Banking and Insurance segments, offering a full suite of products-from checking and savings accounts to mortgage, micro-credit, and a broad range of personal and commercial insurance policies.
In its most recent quarter (Q4 2024), Bradesco reported a net profit of BRL 7.2 billion, a return on equity of 13.5 % and a loan-to-deposit ratio of 85 %, indicating a balanced growth in credit while maintaining liquidity. The bank’s net interest margin (NIM) held steady at 4.2 % despite a modest rise in the Selic rate.
Key drivers for Bradesco’s outlook include Brazil’s high-interest-rate environment, which boosts NIM but can pressure loan demand, and the country’s ongoing digital-banking adoption-Bradesco’s mobile platform now serves over 30 million active users, supporting lower distribution costs and higher cross-sell rates. Additionally, the firm’s exposure to agribusiness credit aligns with Brazil’s projected 2-3 % real GDP growth in 2025, providing a sector-specific tailwind.
For a deeper, data-rich analysis of Bradesco’s valuation and risk profile, you may find the tools on ValueRay useful.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 21.32b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.05 > 0.02 and ΔFCF/TA -5.39 > 1.0 |
| NWC/Revenue: -232.9% < 20% (prev 113.4%; Δ -346.3% < -1%) |
| CFO/TA -0.04 > 3% & CFO -97.84b > Net Income 21.32b |
| Net Debt (588.17b) to EBITDA (25.58b): 23.00 < 3 |
| Current Ratio: 0.31 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.58b) vs 12m ago -0.29% < -2% |
| Gross Margin: 29.68% > 18% (prev 0.51%; Δ 2917 % > 0.5%) |
| Asset Turnover: 13.92% > 50% (prev 12.76%; Δ 1.16% > 0%) |
| Interest Coverage Ratio: 0.11 > 6 (EBITDA TTM 25.58b / Interest Expense TTM 175.55b) |
Altman Z'' -1.89
| A: -0.31 (Total Current Assets 305.66b - Total Current Liabilities 989.63b) / Total Assets 2202.77b |
| B: -0.00 (Retained Earnings -3.41b / Total Assets 2202.77b) |
| C: 0.01 (EBIT TTM 18.57b / Avg Total Assets 2110.24b) |
| D: 0.09 (Book Value of Equity 175.73b / Total Liabilities 2026.63b) |
| Altman-Z'' Score: -1.89 = D |
Beneish M -2.16
| DSRI: 1.05 (Receivables 35.53b/29.68b, Revenue 293.70b/257.45b) |
| GMI: 1.73 (GM 29.68% / 51.28%) |
| AQI: 1.01 (AQ_t 0.86 / AQ_t-1 0.85) |
| SGI: 1.14 (Revenue 293.70b / 257.45b) |
| TATA: 0.05 (NI 21.32b - CFO -97.84b) / TA 2202.77b) |
| Beneish M-Score: -2.16 (Cap -4..+1) = BB |
What is the price of BBD shares?
As of February 04, 2026, the stock is trading at USD 4.13 with a total of 37,591,168 shares traded.
Over the past week, the price has changed by -0.24%, over one month by +17.44%, over three months by +22.60% and over the past year by +112.50%.
Over the past week, the price has changed by -0.24%, over one month by +17.44%, over three months by +22.60% and over the past year by +112.50%.
Is BBD a buy, sell or hold?
Banco Bradesco has received a consensus analysts rating of 3.67.
Therefor, it is recommend to hold BBD.
- StrongBuy: 2
- Buy: 1
- Hold: 2
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the BBD price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 3.7 | -10.4% |
| Analysts Target Price | 3.7 | -10.4% |
| ValueRay Target Price | 4.5 | 8% |
BBD Fundamental Data Overview February 03, 2026
Market Cap BRL = 225.20b (42.84b USD * 5.2571 USD.BRL)
P/E Trailing = 11.25
P/E Forward = 7.6864
P/S = 0.4869
P/B = 1.2962
P/EG = 0.5913
Revenue TTM = 293.70b BRL
EBIT TTM = 18.57b BRL
EBITDA TTM = 25.58b BRL
Long Term Debt = 430.76b BRL (from longTermDebt, last quarter)
Short Term Debt = 313.27b BRL (from shortTermDebt, last quarter)
Debt = 747.48b BRL (from shortLongTermDebtTotal, last quarter)
Net Debt = 588.17b BRL (from netDebt column, last quarter)
Enterprise Value = 707.24b BRL (225.20b + Debt 747.48b - CCE 265.44b)
Interest Coverage Ratio = 0.11 (Ebit TTM 18.57b / Interest Expense TTM 175.55b)
EV/FCF = -6.70x (Enterprise Value 707.24b / FCF TTM -105.59b)
FCF Yield = -14.93% (FCF TTM -105.59b / Enterprise Value 707.24b)
FCF Margin = -35.95% (FCF TTM -105.59b / Revenue TTM 293.70b)
Net Margin = 7.26% (Net Income TTM 21.32b / Revenue TTM 293.70b)
Gross Margin = 29.68% ((Revenue TTM 293.70b - Cost of Revenue TTM 206.52b) / Revenue TTM)
Gross Margin QoQ = 26.14% (prev 29.55%)
Tobins Q-Ratio = 0.32 (Enterprise Value 707.24b / Total Assets 2202.77b)
Interest Expense / Debt = 7.05% (Interest Expense 52.69b / Debt 747.48b)
Taxrate = 21.0% (US default 21%)
NOPAT = 14.67b (EBIT 18.57b * (1 - 21.00%))
Current Ratio = 0.31 (Total Current Assets 305.66b / Total Current Liabilities 989.63b)
Debt / Equity = 4.26 (Debt 747.48b / totalStockholderEquity, last quarter 175.64b)
Debt / EBITDA = 23.00 (Net Debt 588.17b / EBITDA 25.58b)
Debt / FCF = -5.57 (negative FCF - burning cash) (Net Debt 588.17b / FCF TTM -105.59b)
Total Stockholder Equity = 172.15b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.01% (Net Income 21.32b / Total Assets 2202.77b)
RoE = 12.38% (Net Income TTM 21.32b / Total Stockholder Equity 172.15b)
RoCE = 3.08% (EBIT 18.57b / Capital Employed (Equity 172.15b + L.T.Debt 430.76b))
RoIC = 2.50% (NOPAT 14.67b / Invested Capital 586.48b)
WACC = 6.19% (E(225.20b)/V(972.68b) * Re(8.23%) + D(747.48b)/V(972.68b) * Rd(7.05%) * (1-Tc(0.21)))
Discount Rate = 8.23% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.31%
Fair Price DCF = unknown (Cash Flow -105.59b)
EPS Correlation: -7.42 | EPS CAGR: -50.84% | SUE: -0.98 | # QB: 0
Revenue Correlation: 62.73 | Revenue CAGR: 32.62% | SUE: 0.70 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.11 | Chg30d=-0.005 | Revisions Net=-1 | Analysts=2
EPS next Year (2026-12-31): EPS=0.50 | Chg30d=-0.005 | Revisions Net=+0 | Growth EPS=+21.7% | Growth Revenue=+8.9%
P/E Trailing = 11.25
P/E Forward = 7.6864
P/S = 0.4869
P/B = 1.2962
P/EG = 0.5913
Revenue TTM = 293.70b BRL
EBIT TTM = 18.57b BRL
EBITDA TTM = 25.58b BRL
Long Term Debt = 430.76b BRL (from longTermDebt, last quarter)
Short Term Debt = 313.27b BRL (from shortTermDebt, last quarter)
Debt = 747.48b BRL (from shortLongTermDebtTotal, last quarter)
Net Debt = 588.17b BRL (from netDebt column, last quarter)
Enterprise Value = 707.24b BRL (225.20b + Debt 747.48b - CCE 265.44b)
Interest Coverage Ratio = 0.11 (Ebit TTM 18.57b / Interest Expense TTM 175.55b)
EV/FCF = -6.70x (Enterprise Value 707.24b / FCF TTM -105.59b)
FCF Yield = -14.93% (FCF TTM -105.59b / Enterprise Value 707.24b)
FCF Margin = -35.95% (FCF TTM -105.59b / Revenue TTM 293.70b)
Net Margin = 7.26% (Net Income TTM 21.32b / Revenue TTM 293.70b)
Gross Margin = 29.68% ((Revenue TTM 293.70b - Cost of Revenue TTM 206.52b) / Revenue TTM)
Gross Margin QoQ = 26.14% (prev 29.55%)
Tobins Q-Ratio = 0.32 (Enterprise Value 707.24b / Total Assets 2202.77b)
Interest Expense / Debt = 7.05% (Interest Expense 52.69b / Debt 747.48b)
Taxrate = 21.0% (US default 21%)
NOPAT = 14.67b (EBIT 18.57b * (1 - 21.00%))
Current Ratio = 0.31 (Total Current Assets 305.66b / Total Current Liabilities 989.63b)
Debt / Equity = 4.26 (Debt 747.48b / totalStockholderEquity, last quarter 175.64b)
Debt / EBITDA = 23.00 (Net Debt 588.17b / EBITDA 25.58b)
Debt / FCF = -5.57 (negative FCF - burning cash) (Net Debt 588.17b / FCF TTM -105.59b)
Total Stockholder Equity = 172.15b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.01% (Net Income 21.32b / Total Assets 2202.77b)
RoE = 12.38% (Net Income TTM 21.32b / Total Stockholder Equity 172.15b)
RoCE = 3.08% (EBIT 18.57b / Capital Employed (Equity 172.15b + L.T.Debt 430.76b))
RoIC = 2.50% (NOPAT 14.67b / Invested Capital 586.48b)
WACC = 6.19% (E(225.20b)/V(972.68b) * Re(8.23%) + D(747.48b)/V(972.68b) * Rd(7.05%) * (1-Tc(0.21)))
Discount Rate = 8.23% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.31%
Fair Price DCF = unknown (Cash Flow -105.59b)
EPS Correlation: -7.42 | EPS CAGR: -50.84% | SUE: -0.98 | # QB: 0
Revenue Correlation: 62.73 | Revenue CAGR: 32.62% | SUE: 0.70 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.11 | Chg30d=-0.005 | Revisions Net=-1 | Analysts=2
EPS next Year (2026-12-31): EPS=0.50 | Chg30d=-0.005 | Revisions Net=+0 | Growth EPS=+21.7% | Growth Revenue=+8.9%