(BBD) Banco Bradesco - Ratings and Ratios
Exchange: NYSE •
Country: Brazil •
Currency: USD •
Type: Common Stock •
ISIN: US0594603039
Banking, Insurance, Loans, Cards, Investments
Dividends
| Dividend Yield | 4.74% |
| Yield on Cost 5y | 4.41% |
| Yield CAGR 5y | -8.15% |
| Payout Consistency | 80.2% |
| Payout Ratio | 19.6% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 34.0% |
| Value at Risk 5%th | 52.2% |
| Relative Tail Risk | -6.57% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.88 |
| Alpha | 82.52 |
| CAGR/Max DD | 0.45 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.294 |
| Beta | 0.593 |
| Beta Downside | 0.338 |
| Drawdowns 3y | |
|---|---|
| Max DD | 44.05% |
| Mean DD | 16.44% |
| Median DD | 14.95% |
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) 2.5
| Net Income (21.32b TTM) > 0 and > 6% of Revenue (6% = 17.62b TTM) |
| FCFTA -0.05 (>2.0%) and ΔFCFTA -5.39pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -232.9% (prev 113.4%; Δ -346.3pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.04 (>3.0%) and CFO -97.84b <= Net Income 21.32b (YES >=105%, WARN >=100%) |
| Net Debt (588.17b) to EBITDA (25.58b) ratio: 23.00 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.31 (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 -0.29% (target <= -2.0% for YES) |
| Gross Margin 29.68% (prev 51.28%; Δ -21.60pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 13.92% (prev 12.76%; Δ 1.16pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.11 (EBITDA TTM 25.58b / Interest Expense TTM 175.55b) >= 6 (WARN >= 3) |
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 (Balance) -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 |
| Total Rating: -1.89 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 30.05
| 1. Piotroski 2.50pt |
| 2. FCF Yield -15.55% |
| 3. FCF Margin -35.95% |
| 4. Debt/Equity 4.26 |
| 5. Debt/Ebitda 23.00 |
| 6. ROIC - WACC (= -4.46)% |
| 7. RoE 12.38% |
| 8. Rev. Trend 62.73% |
| 9. EPS Trend -7.42% |
What is the price of BBD shares?
As of December 31, 2025, the stock is trading at USD 3.39 with a total of 16,585,475 shares traded.
Over the past week, the price has changed by +1.50%, over one month by -6.26%, over three months by +3.21% and over the past year by +95.51%.
Over the past week, the price has changed by +1.50%, over one month by -6.26%, over three months by +3.21% and over the past year by +95.51%.
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.
- 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 | 3.7 | 9.7% |
| Analysts Target Price | 3.7 | 9.7% |
| ValueRay Target Price | 4 | 16.5% |
BBD Fundamental Data Overview December 27, 2025
Market Cap BRL = 197.02b (35.54b USD * 5.5439 USD.BRL)
P/E Trailing = 9.6
P/E Forward = 6.6269
P/S = 0.404
P/B = 1.1172
P/EG = 0.5097
Beta = 0.24
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 = 679.07b BRL (197.02b + Debt 747.48b - CCE 265.44b)
Interest Coverage Ratio = 0.11 (Ebit TTM 18.57b / Interest Expense TTM 175.55b)
FCF Yield = -15.55% (FCF TTM -105.59b / Enterprise Value 679.07b)
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 = 0.31 (Enterprise Value 679.07b / Total Assets 2202.77b)
Interest Expense / Debt = 7.05% (Interest Expense 52.69b / Debt 747.48b)
Taxrate = -14.09% (negative due to tax credits) (-687.7m / 4.88b)
NOPAT = 21.18b (EBIT 18.57b * (1 - -14.09%)) [negative tax rate / tax credits]
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 = 0.97% (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 = 3.61% (NOPAT 21.18b / Invested Capital 586.48b)
WACC = 8.08% (E(197.02b)/V(944.51b) * Re(8.20%) + D(747.48b)/V(944.51b) * Rd(7.05%) * (1-Tc(-0.14)))
Discount Rate = 8.20% (= 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=-0.006 | Revisions Net=-2 | Analysts=2
EPS next Year (2026-12-31): EPS=0.51 | Chg30d=+0.004 | Revisions Net=+1 | Growth EPS=+22.8% | Growth Revenue=+9.2%
P/E Trailing = 9.6
P/E Forward = 6.6269
P/S = 0.404
P/B = 1.1172
P/EG = 0.5097
Beta = 0.24
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 = 679.07b BRL (197.02b + Debt 747.48b - CCE 265.44b)
Interest Coverage Ratio = 0.11 (Ebit TTM 18.57b / Interest Expense TTM 175.55b)
FCF Yield = -15.55% (FCF TTM -105.59b / Enterprise Value 679.07b)
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 = 0.31 (Enterprise Value 679.07b / Total Assets 2202.77b)
Interest Expense / Debt = 7.05% (Interest Expense 52.69b / Debt 747.48b)
Taxrate = -14.09% (negative due to tax credits) (-687.7m / 4.88b)
NOPAT = 21.18b (EBIT 18.57b * (1 - -14.09%)) [negative tax rate / tax credits]
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 = 0.97% (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 = 3.61% (NOPAT 21.18b / Invested Capital 586.48b)
WACC = 8.08% (E(197.02b)/V(944.51b) * Re(8.20%) + D(747.48b)/V(944.51b) * Rd(7.05%) * (1-Tc(-0.14)))
Discount Rate = 8.20% (= 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=-0.006 | Revisions Net=-2 | Analysts=2
EPS next Year (2026-12-31): EPS=0.51 | Chg30d=+0.004 | Revisions Net=+1 | Growth EPS=+22.8% | Growth Revenue=+9.2%
Additional Sources for BBD Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle