BBD

Banco Bradesco S.A.

Fundamental data last updated:September 8, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

BR

Next Earnings Date

Pending Announcement

Business Summary

Banco Bradesco S.A., together with its subsidiaries, provides various banking products and services to individuals, corporates, and businesses in Brazil and internationally. The company operates through two segment, Banking and Insurance. It provides current, savings, click, and salary accounts; real estate credit, vehicle financing, payroll loans, mortgage loans, microcredit, leasing, and personal and installment credit; debit and business cards; financial and security services; consortium products; auto, personal accident, dental, travel, and life insurance; investment products; pension products; real estate and vehicle auctions; cash management, and foreign trade and exchange services; capitalization bonds; and internet banking services. Banco Bradesco S.A. was founded in 1943 and is headquartered in Osasco, Brazil.

 


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VALUATION

P/E

1.59

Market Cap ($M USD)

$36.91B

Forward P/E

0.91

PEG

0.01

PRICE TO SALES

0.53

PRICE TO BOOK

1.04

EV / EBITDA

34.46

5-Year Average P/E

Free Cash Flow Yield

109.10%

DCF Value

$-7.98

Graham Number

$29.00

Price to FCF

0.92

EV to FCF

4.32

Earnings Yield

12.42%

FCF Yield

109.10%

DIVIDEND

Yield

7.31%

Annual Payout

$1.29

Payout Ratio

47.06%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$2.20

Next Year EPS Growth Estimate

$3.82

Next Year Revenue Growth Estimate

$792.91B

Return on Equity (ROE)

13.14%

FREE CASH FLOW

Operating Margin

6.27%

Debt-to-Equity

4.47

Piotroski F-Score

5

Altman Z-Score

0.91

Return on Invested Capital (ROIC)

1.11%

Current Ratio

0.33

Quick Ratio

0.33

Net Debt to EBITDA

27.15

Interest Coverage

0.10

Gross Profit margin

31.47%

FCF PER SHARE

$19.32

REVENUE PER SHARE

$33.12

Analyze BBD on TradingView

Gainseekers Quantitative Analysis

Summary

BBD Banco Bradesco S.A. appears to be a perplexing case of market mispricing. Despite a shockingly low Forward P/E of 0.98, suggesting the market expects significant earnings growth, the DCF value is deeply negative, indicating potential overvaluation. The Graham Number, however, suggests a much higher intrinsic value, creating a confusing narrative. The Earnings Yield of 11.83% is robust, yet the lack of an Altman Z-score raises questions about financial stability. This stock is a conundrum, offering both potential upside and significant risk.

AI Exposure / Tech Reliance

In the rapidly evolving financial services sector, BBD's regional banking focus may limit its immediate exposure to AI and tech shifts. However, as a major player, it must adapt to digital banking trends to maintain competitiveness. Its ability to integrate AI-driven customer service and risk management will be crucial for future resilience.

The Bull Case

For the value or GARP investor, BBD offers intriguing prospects. The Piotroski F-Score of 6 indicates moderate financial health, while a solid FCF Yield of 1.04% suggests some level of cash generation efficiency. Despite a modest ROIC of 1.11%, the operating margin of 6.27% reflects decent pricing power in its operations. These metrics hint at a company that, while not perfect, has the potential for capital efficiency and value creation.

The Bear Case

The bear case for BBD is compelling, with structural risks that cannot be ignored. The Debt/Equity ratio is alarmingly high at 4.47, indicating significant leverage and potential financial distress. The Net Debt to EBITDA ratio of 27.15 further underscores this risk, suggesting a heavy debt burden relative to earnings. Additionally, the stock's proximity to its 52-week high, combined with a Price/Book ratio of 1.09, raises concerns about overvaluation and limited upside potential.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$3.20

Institutional Ownership %

1-Year Beta

0.33

Insider Buying % (6 Mo)

Distance to 52-Week High

23.21%

Distance to 52-Week Low

21.78%

EARNINGS SURPRISE %

0.00%

50-DAY SMA

$3.74

200-DAY SMA

$3.55

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.