(BBD) Banco Bradesco - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 36.892m USD | Total Return: 24.2% in 12m
Avg Turnover: 99.5M
EPS Trend: 91.3%
Qual. Beats: 1
Rev. Trend: 86.8%
Qual. Beats: 2
Warnings
Choppy Below Avwap Earnings
Tailwinds
Confidence
Banco Bradesco S.A. (BBD) is a major Brazilian financial institution operating through two primary segments: Banking and Insurance. Founded in 1943, the company provides a comprehensive suite of services including retail and corporate banking, investment management, and leasing. Its insurance division is a significant revenue driver, offering life, health, and pension products to a broad client base of individuals and businesses.
The Brazilian banking sector is characterized by a high degree of concentration among a few large players, which often leads to high net interest margins compared to global peers. Bradesco utilizes a bancassurance model, leveraging its extensive physical branch network to cross-sell insurance and capitalization bonds to existing banking customers.
To better understand the companys valuation and risk profile, explore the detailed metrics available on ValueRay.
- High Selic interest rates increase net interest margins but elevate credit default risk
- Insurance segment earnings provide defensive buffer against volatile Brazilian retail banking cycles
- Asset quality deterioration in low-income retail segments necessitates higher loan loss provisions
- Brazilian macroeconomic stability and consumer spending levels dictate domestic loan growth trajectory
| Net Income: 22.8b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.07 > 0.02 and ΔFCF/TA 1.49 > 1.0 |
| NWC/Revenue: -313.4% < 20% (prev -164.8%; Δ -148.6% < -1%) |
| CFO/TA -0.05 > 3% & CFO -23.1b > Net Income 22.8b |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 0.02 > 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: 28.62% > 50% (prev 12.60%; Δ 16.01% > 0%) |
| Interest Coverage Ratio: -0.02 > 6 (EBIT TTM -4.19b / Interest Expense TTM 206b) |
| A: -2.42 (Total Current Assets 28.6b - Total Current Liabilities 1159b) / Total Assets 466b |
| B: 0.03 (Retained Earnings 16.3b / Total Assets 466b) |
| C: -0.00 (EBIT TTM -4.19b / Avg Total Assets 1260b) |
| D: 0.08 (Book Value of Equity 34.4b / Total Liabilities 432b) |
| Altman-Z'' = -15.73 = D |
| DSRI: 0.15 (Receivables 7.46b/35.5b, Revenue 361b/259b) |
| GMI: 0.96 (GM 32.13% / 33.56%) |
| AQI: 1.23 (AQ_t 0.93 / AQ_t-1 0.76) |
| SGI: 1.39 (Revenue 361b / 259b) |
| TATA: 0.10 (NI 22.8b - CFO -23.1b) / TA 466b) |
| Beneish M = -3.34 (Cap -4..+1) = AA |
As of June 04, 2026, the stock is trading at USD 3.38 with a total of 22,475,486 shares traded.
Over the past week, the price has changed by -4.95%,
over one month by -9.67%,
over three months by -9.52% and
over the past year by +24.22%.
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 | 30.2% |
P/E Trailing = 8.5122
P/E Forward = 8.7032
P/S = 0.4105
P/B = 1.0495
P/EG = 1.8524
Revenue TTM = 361b USD
EBIT TTM = -4.19b USD
EBITDA TTM = -1.65b USD
Long Term Debt = 463b USD (from longTermDebt, last quarter)
Short Term Debt = 86.8b USD (from shortTermDebt, last quarter)
Debt = 553b USD (corrected: LT Debt 463b + ST Debt 86.8b) + Leases 3.09b
Net Debt = 525b USD (calculated: Debt 553b - CCE 28.6b)
Enterprise Value = 562b USD (36.9b + Debt 553b - CCE 28.6b)
Interest Coverage Ratio = -0.02 (Ebit TTM -4.19b / Interest Expense TTM 206b)
EV/FCF = -17.31x (Enterprise Value 562b / FCF TTM -32.4b)
FCF Yield = -5.78% (FCF TTM -32.4b / Enterprise Value 562b)
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 = 1.20 (Enterprise Value 562b / Total Assets 466b)
Interest Expense / Debt = 37.18% (Interest Expense 206b / Debt 553b)
Taxrate = 33.20% (2.60b / 7.83b)
NOPAT = -2.80b (EBIT -4.19b * (1 - 33.20%)) [loss with tax shield]
Current Ratio = 0.02 (Total Current Assets 28.6b / Total Current Liabilities 1159b)
Debt / Equity = 16.07 (Debt 553b / totalStockholderEquity, last quarter 34.4b)
Debt / EBITDA = -317.9 (out of range, set to none) (Net Debt 525b / EBITDA -1.65b)
Debt / FCF = -16.17 (negative FCF - burning cash) (Net Debt 525b / FCF TTM -32.4b)
Total Stockholder Equity = 141b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.81% (Net Income 22.8b / Total Assets 466b)
RoE = 16.20% (Net Income TTM 22.8b / Total Stockholder Equity 141b)
RoCE = -0.69% (EBIT -4.19b / Capital Employed (Equity 141b + L.T.Debt 463b))
RoIC = -0.62% (negative operating profit) (NOPAT -2.80b / Invested Capital 448b)
WACC = 23.85% (E(36.9b)/V(590b) * Re(9.06%) + D(553b)/V(590b) * Rd(37.18%) * (1-Tc(0.33)))
Discount Rate = 9.06% (= 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=+20% | Analysts=2
EPS next Quarter (2026-09-30): EPS=0.13 | Chg30d=+2.37% | Revisions=N/A | Analysts=2
EPS current Year (2026-12-31): EPS=0.49 | Chg30d=+8.60% | Revisions=+20% | GrowthEPS=+11.4% | GrowthRev=+9.4%
EPS next Year (2027-12-31): EPS=0.56 | Chg30d=+9.37% | Revisions=+20% | GrowthEPS=+14.2% | GrowthRev=+7.4%
[Analyst] Revisions Ratio: +20%