BBDO

Bank Bradesco

Fundamental data last updated:April 13, 2026

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

company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

Brazil

Next Earnings Date

05/06/26

Business Summary

BBDO Bank Bradesco operates as a regional banking institution generating revenue primarily through lending spreads, deposit gathering, and fee-based financial services. The core cash engine is the spread between funding costs and loan yields, amplified by cross-selling insurance, credit products, and transactional services. Its moat is built on customer relationships, branch and distribution scale, and embedded financial infrastructure that makes switching costly for retail and commercial clients. Sustained cash generation depends on disciplined credit underwriting, balance sheet stability, and maintaining spread integrity across economic cycles.

 


Analyze BBDO on TradingView

VALUATION

P/E

8.7

Market Cap ($M USD)

$40,501

Forward P/E

-

PEG

-

PRICE TO SALES

1.7

PRICE TO BOOK

1.1

EV / EBITDA

-

5-Year Average P/E

Free Cash Flow Yield

DCF Value

Graham Number

Price to FCF

EV to FCF

Earnings Yield

FCF Yield

DIVIDEND

Yield

7.10%

Annual Payout

$0.20

Payout Ratio

62.60%

Consecutive Years of Dividend Growth

1

5-Year Dividend Growth Rate

16.30%

Financial Health & Profitability

Earnings Per Share

$0.41

Next Year EPS Growth Estimate

-

Next Year Revenue Growth Estimate

7.60%

Return on Equity (ROE)

6.30%

FREE CASH FLOW

Operating Margin

49.00%

Debt-to-Equity

2.5

Piotroski F-Score

3

Altman Z-Score

0.2

Return on Invested Capital (ROIC)

32.70%

Current Ratio

-

Quick Ratio

Net Debt to EBITDA

Interest Coverage

Gross Profit margin

FCF PER SHARE

REVENUE PER SHARE

Analyze BBDO on TradingView

Gainseekers Quantitative Analysis

Summary

At 8.7x earnings and 1.1x book, this is statistically cheap for a regional bank with a $40,501M market cap, but the discount is not arbitrary. The absence of a Forward P/E and PEG Forward removes visibility into earnings trajectory, and an Altman Z-Score of 0.2 signals severe balance sheet stress risk despite the low multiple. Return on Equity of 7.60% and a 6.30% operating margin indicate modest profitability, not franchise dominance. The market is pricing this as a structurally constrained bank rather than a compounding machine, and based purely on the solvency signal, that caution is understandable rather than irrational.

AI Exposure / Tech Reliance

As a regional bank within Financial Services, AI integration will primarily impact underwriting efficiency, fraud detection, and cost control rather than create new revenue verticals. With a 6.30% operating margin, incremental automation could materially enhance profitability if execution is disciplined. However, banks are technology adopters, not creators, meaning competitive advantage will hinge on scale and data depth rather than innovation leadership.

The Bull Case

Deep value investors will focus on the 8.7 P/E and 1.1 Price/Book as classic entry-point metrics for a banking franchise trading near asset value. A 32.70% ROIC stands out as exceptionally strong relative to the 7.60% ROE, implying pockets of highly productive capital deployment within the business. The 2.5 TTM yield combined with a 7.10% dividend per share metric and a payout ratio of $0.20 suggests capital returns remain part of the shareholder equation. Even with a weak Piotroski F-Score of 3, the valuation already discounts operational fragility, creating asymmetry if earnings stabilize and EPS Next Year reaches the $0.41 estimate.

The Bear Case

The red flags are not subtle. An Altman Z-Score of 0.2 is distress-level territory, and a 49.00% Debt/Equity ratio in a tightening credit environment magnifies solvency sensitivity. A Short % of Float at 16.30% signals meaningful bearish conviction, while the absence of Forward P/E and PEG data underscores the lack of visible growth catalysts. With a Piotroski F-Score of 3, weak fundamental momentum aligns with the balance sheet risk, making this more of a balance sheet speculation than a clean value play.

Market Sentiment & Smart Money

Short Interest %

0.00%

Analyst Consensus

3

Average Analyst Price Target

-

Institutional Ownership %

0.20%

1-Year Beta

0.74

Insider Buying % (6 Mo)

0.00%%

Distance to 52-Week High

95.80%

Distance to 52-Week Low

189.10%

EARNINGS SURPRISE %

50-DAY SMA

200-DAY SMA

⚠️ 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.