(BBD) Banco Bradesco - Ratings and Ratios
Banking, Insurance, Loans, Cards, Investments
| Risk via 10d forecast | |
|---|---|
| Volatility | 33.1% |
| Value at Risk 5%th | 51.1% |
| Relative Tail Risk | -6.05% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.54 |
| Alpha | 64.37 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.420 |
| Beta | 0.625 |
| Beta Downside | 0.440 |
| Drawdowns 3y | |
|---|---|
| Max DD | 44.04% |
| Mean DD | 16.41% |
| Median DD | 14.95% |
Description: BBD Banco Bradesco October 14, 2025
Banco Bradesco S.A. (NYSE:BBD) operates through two primary segments-Banking and Insurance-offering a full suite of financial products to individuals, corporates, and institutions in Brazil and abroad. Its banking franchise includes current, savings, salary, and digital “click” accounts; a broad array of credit lines such as real-estate, vehicle, payroll, mortgage, micro-credit, leasing, overdraft, and agribusiness loans; as well as debit, credit, and business card services, consortium products, foreign-exchange, and internet banking. The insurance arm provides car, personal accident, dental, travel, life, and pension products, alongside investment and capitalization-bond offerings.
As of Q3 2024, Bradesco reported a loan portfolio of roughly BRL 1.2 trillion, a net interest margin (NIM) of 5.2%-slightly above the Brazilian diversified-bank average of 4.9%-and a cost-to-income ratio of 38%, reflecting continued efficiency gains from its digital channel expansion. The insurer segment contributed approximately BRL 15 billion in gross premiums, with life insurance growing at a 6% YoY rate, driven by rising middle-class enrollment in retirement products.
Key macro drivers for Bradesco include Brazil’s monetary policy stance (the Selic rate held at 13.75% in early 2025, supporting higher loan yields but also increasing credit-cost pressure), a modest GDP growth forecast of 2.3% for 2025, and accelerating digital adoption-e-banking transactions now represent over 55% of total retail activity, a trend that underpins both fee income growth and cost containment. Additionally, the country’s agribusiness sector, a significant borrower base for Bradesco, benefits from strong export demand and favorable commodity prices, which can bolster loan performance in that segment.
For a deeper, data-driven assessment of Bradesco’s valuation and risk profile, consider exploring the analytical tools available on ValueRay.
BBD Stock Overview
| Market Cap in USD | 34,359m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 2001-11-23 |
| Return 12m vs S&P 500 | 49.8% |
| Analyst Rating | 3.67 of 5 |
BBD Dividends
| Dividend Yield | 4.45% |
| Yield on Cost 5y | 5.46% |
| Yield CAGR 5y | 1.76% |
| Payout Consistency | 79.9% |
| Payout Ratio | 16.2% |
BBD Growth Ratios
| CAGR 3y | 18.26% |
| CAGR/Max DD Calmar Ratio | 0.41 |
| CAGR/Mean DD Pain Ratio | 1.11 |
| Current Volume | 32546.9k |
| Average Volume | 37203.4k |
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income (20.69b TTM) > 0 and > 6% of Revenue (6% = 16.51b TTM) |
| FCFTA -0.05 (>2.0%) and ΔFCFTA -14.14pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -233.9% (prev -5.83%; Δ -228.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.05 (>3.0%) and CFO -104.93b <= Net Income 20.69b (YES >=105%, WARN >=100%) |
| Net Debt (568.63b) to EBITDA (26.21b) ratio: 21.70 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.32 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (10.58b) change vs 12m ago -0.34% (target <= -2.0% for YES) |
| Gross Margin 31.95% (prev 51.97%; Δ -20.02pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 13.26% (prev 8.84%; Δ 4.42pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.12 (EBITDA TTM 26.21b / Interest Expense TTM 160.15b) >= 6 (WARN >= 3) |
Altman Z'' -1.82
| (A) -0.30 = (Total Current Assets 305.83b - Total Current Liabilities 949.52b) / Total Assets 2147.57b |
| (B) -0.00 = Retained Earnings (Balance) -2.71b / Total Assets 2147.57b |
| (C) 0.01 = EBIT TTM 19.26b / Avg Total Assets 2075.71b |
| (D) 0.09 = Book Value of Equity 174.15b / Total Liabilities 1973.03b |
| Total Rating: -1.82 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 33.69
| 1. Piotroski 2.50pt = -2.50 |
| 2. FCF Yield -17.40% = -5.0 |
| 3. FCF Margin -40.85% = -7.50 |
| 4. Debt/Equity 4.18 = -2.18 |
| 5. Debt/Ebitda 21.70 = -2.50 |
| 6. ROIC - WACC (= -4.10)% = -5.13 |
| 7. RoE 12.17% = 1.01 |
| 8. Rev. Trend 74.99% = 5.62 |
| 9. EPS Trend 37.22% = 1.86 |
What is the price of BBD shares?
Over the past week, the price has changed by +3.95%, over one month by +16.94%, over three months by +26.83% and over the past year by +71.68%.
Is Banco Bradesco a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BBD is around 4.00 USD . This means that BBD is currently overvalued and has a potential downside of 8.7%.
Is BBD a buy, sell or hold?
- Strong Buy: 2
- Buy: 1
- Hold: 2
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the BBD price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 3.5 | -4.9% |
| Analysts Target Price | 3.5 | -4.9% |
| ValueRay Target Price | 4.5 | 21.7% |
BBD Fundamental Data Overview November 01, 2025
P/E Trailing = 9.4167
P/E Forward = 6.0314
P/S = 0.3913
P/B = 1.0253
P/EG = 0.464
Beta = 0.384
Revenue TTM = 275.23b BRL
EBIT TTM = 19.26b BRL
EBITDA TTM = 26.21b BRL
Long Term Debt = 423.62b BRL (from longTermDebt, last quarter)
Short Term Debt = 300.95b BRL (from shortTermDebt, last quarter)
Debt = 728.14b BRL (from shortLongTermDebtTotal, last quarter)
Net Debt = 568.63b BRL (from netDebt column, last quarter)
Enterprise Value = 646.24b BRL (181.98b + Debt 728.14b - CCE 263.87b)
Interest Coverage Ratio = 0.12 (Ebit TTM 19.26b / Interest Expense TTM 160.15b)
FCF Yield = -17.40% (FCF TTM -112.44b / Enterprise Value 646.24b)
FCF Margin = -40.85% (FCF TTM -112.44b / Revenue TTM 275.23b)
Net Margin = 7.52% (Net Income TTM 20.69b / Revenue TTM 275.23b)
Gross Margin = 31.95% ((Revenue TTM 275.23b - Cost of Revenue TTM 187.30b) / Revenue TTM)
Gross Margin QoQ = 29.55% (prev 32.33%)
Tobins Q-Ratio = 0.30 (Enterprise Value 646.24b / Total Assets 2147.57b)
Interest Expense / Debt = 6.35% (Interest Expense 46.22b / Debt 728.14b)
Taxrate = -41.80% (negative due to tax credits) (-1.81b / 4.33b)
NOPAT = 27.32b (EBIT 19.26b * (1 - -41.80%)) [negative tax rate / tax credits]
Current Ratio = 0.32 (Total Current Assets 305.83b / Total Current Liabilities 949.52b)
Debt / Equity = 4.18 (Debt 728.14b / totalStockholderEquity, last quarter 174.05b)
Debt / EBITDA = 21.70 (Net Debt 568.63b / EBITDA 26.21b)
Debt / FCF = -5.06 (negative FCF - burning cash) (Net Debt 568.63b / FCF TTM -112.44b)
Total Stockholder Equity = 170.02b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.96% (Net Income 20.69b / Total Assets 2147.57b)
RoE = 12.17% (Net Income TTM 20.69b / Total Stockholder Equity 170.02b)
RoCE = 3.24% (EBIT 19.26b / Capital Employed (Equity 170.02b + L.T.Debt 423.62b))
RoIC = 4.76% (NOPAT 27.32b / Invested Capital 573.55b)
WACC = 8.87% (E(181.98b)/V(910.11b) * Re(8.32%) + D(728.14b)/V(910.11b) * Rd(6.35%) * (1-Tc(-0.42)))
Discount Rate = 8.32% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.27%
Fair Price DCF = unknown (Cash Flow -112.44b)
EPS Correlation: 37.22 | EPS CAGR: 60.61% | SUE: 0.00 | # QB: 0
Revenue Correlation: 74.99 | Revenue CAGR: 48.91% | SUE: 1.18 | # QB: 5
Additional Sources for BBD Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle