BBD Stock Analysis: Banco Bradesco | NYSE
Banks - Regional | NYSE, USA | Market Cap: 35.474m USD | 12M Return: 23.3% | US0594603039 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 96.6M
EPS Trend: 94.8%
Qual. Beats: 0
Rev. Trend: 87.8%
Qual. Beats: 3
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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. is one of Brazils largest private-sector banks, operating as a universal bank across two core segments: Banking and Insurance. Founded in 1943 and headquartered in Osasco, Brazil, the company serves retail customers, middle-market firms, and large corporates both domestically and abroad.
Its Banking segment covers the full range of deposit-taking (demand, savings, and time deposits), lending (overdrafts, credit cards, installment loans), foreign exchange, investment fund management, private banking, consortium administration, leasing, corporate finance, and treasury services. The Insurance segment offers life, health, and non-life insurance products, supplemental pension plans, and capitalization bonds-an arrangement consistent with Brazils banco múltiplo model, where a single institution is permitted to operate banking and insurance underwriting under one license.
Bradesco also generates fee income through cards, service packages, auctions, and debt renegotiation platforms. Listed on the NYSE as an ADR under ticker BBD since 2001, the company sits within the GICS Diversified Banks sub-industry, a sector whose performance is closely tied to Brazils benchmark Selic interest rate and domestic credit demand.
- Brazil central bank rate cuts compress Bradesco net interest margin
- Loan portfolio growth accelerates across credit card and working capital segments
- Insurance premiums rise on pension plan and life product demand
| Net Income: 24.3b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 6.83 > 1.0 |
| NWC/Revenue: -266.6% < 20% (prev -233.9%; Δ -32.77% < -1%) |
| CFO/TA 0.05 > 3% & CFO 119b > Net Income 24.3b |
| Net Debt (536b) to EBITDA (33.0b): 16.26 < 3 |
| Current Ratio: 0.24 > 1.5 & < 3 |
| Outstanding Shares: last quarter (11.2b) vs 12m ago 5.47% < -2% |
| Gross Margin: 27.38% > 18% (prev 31.95%; Δ -4.57% > 0.5%) |
| Asset Turnover: 14.79% > 50% (prev 12.82%; Δ 1.97% > 0%) |
| Interest Coverage Ratio: 0.12 > 6 (EBIT TTM 25.8b / Interest Expense TTM 219b) |
| A: -0.37 (Total Current Assets 290b - Total Current Liabilities 1200b) / Total Assets 2469b |
| B: 0.00 (Retained Earnings 166.9m / Total Assets 2469b) |
| C: 0.01 (EBIT TTM 25.8b / Avg Total Assets 2308b) |
| D: 0.08 (Book Value of Equity 181b / Total Liabilities 2286b) |
| Altman-Z'' = -2.26 = D |
| DSRI: 0.16 (Receivables 7.51b/37.4b, Revenue 341b/275b) |
| GMI: 1.17 (GM 31.95% / 27.38%) |
| AQI: 1.03 (AQ_t 0.88 / AQ_t-1 0.85) |
| SGI: 1.24 (Revenue 341b / 275b) |
| TATA: -0.04 (NI 24.3b - CFO 119b) / TA 2469b) |
| Beneish M = -3.38 (Cap -4..+1) = AA |
As of October 03, 2026, the stock is trading at USD 3.65 with a total of 48,375,403 shares traded. Over the past week, the price has changed by +7.04%, over one month by +5.93%, over three months by +8.24% and over the past year by +23.31%.
Current recommended Stop Loss: 3.50 (which is 4.1% or 1.4 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 | 4.3 | 17.8% |
P/E Trailing = 8.1707
P/E Forward = 8.0515
P/S = 0.3803
P/B = 1.0726
P/EG = 1.7136
Revenue TTM = 341b USD
EBIT TTM = 25.8b USD
EBITDA TTM = 33.0b USD
Long Term Debt = 480b USD (from longTermDebt, last quarter)
Short Term Debt = 322b USD (from shortTermDebt, last quarter)
Debt = 808b USD (from shortLongTermDebtTotal, last quarter) + Leases 2.86b
Net Debt = 536b USD (calculated: Debt 808b - CCE 272b)
Enterprise Value = 572b USD (35.5b + Debt 808b - CCE 272b)
Interest Coverage Ratio = 0.12 (Ebit TTM 25.8b / Interest Expense TTM 219b)
EV/FCF = 5.07x (Enterprise Value 572b / FCF TTM 113b)
FCF Yield = 19.71% (FCF TTM 113b / Enterprise Value 572b)
FCF Margin = 33.02% (FCF TTM 113b / Revenue TTM 341b)
Net Margin = 7.12% (Net Income TTM 24.3b / Revenue TTM 341b)
Gross Margin = 27.38% ((Revenue TTM 341b - Cost of Revenue TTM 248b) / Revenue TTM)
Gross Margin QoQ = 27.40% (prev 28.57%)
Tobins Q-Ratio = 0.23 (Enterprise Value 572b / Total Assets 2469b)
Interest Expense / Debt = 27.05% (Interest Expense 219b / Debt 808b)
Taxrate = 4.70% (1.21b / 25.8b)
NOPAT = 24.6b (EBIT 25.8b * (1 - 4.70%))
Current Ratio = 0.24 (Total Current Assets 290b / Total Current Liabilities 1200b)
Debt / Equity = 4.46 (Debt 808b / totalStockholderEquity, last quarter 181b)
Debt / EBITDA = 16.26 (Net Debt 536b / EBITDA 33.0b)
Debt / FCF = 4.76 (Net Debt 536b / FCF TTM 113b)
Total Stockholder Equity = 179b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.05% (Net Income 24.3b / Total Assets 2469b)
RoE = 13.60% (Net Income TTM 24.3b / Total Stockholder Equity 179b)
RoCE = 3.92% (EBIT 25.8b / Capital Employed (Equity 179b + L.T.Debt 480b))
RoIC = 1.56% (NOPAT 24.6b / Invested Capital 1574b)
WACC = 25.10% (E(35.5b)/V(844b) * Re(9.78%) + D(808b)/V(844b) * Rd(27.05%) * (1-Tc(0.05)))
Discount Rate = 9.78% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 43.78 | Cagr: 2.21%
[DCF] Terminal Value 36.44% ; FCFF base≈113b ; Y1≈113b ; Y5≈120b
[DCF] Fair Price = N/A (negative equity: EV 487b - Net Debt 536b = -49.4b; debt exceeds intrinsic value)
EPS Correlation: 94.79 | EPS CAGR: 20.45% | SUE: 0.0 | # QB: 0
Revenue Correlation: 87.82 | Revenue CAGR: 12.95% | SUE: 1.01 | # QB: 3
EPS current Quarter (2026-09-30): EPS=0.13 | Chg30d=-2.16% | Revisions=-25% | Analysts=3
EPS current Year (2026-12-31): EPS=0.50 | Chg30d=-0.22% | Revisions=+40% | GrowthEPS=+12.8% | GrowthRev=+9.6%
EPS next Year (2027-12-31): EPS=0.54 | Chg30d=-3.31% | Revisions=-17% | GrowthEPS=+9.1% | GrowthRev=+7.8%
[Analyst] Revisions Ratio: +0% (up=3, down=3)