(BBD) Banco Bradesco - Overview
Stock: Banking, Insurance, Loans, Cards, Deposits
| Risk 5d forecast | |
|---|---|
| Volatility | 33.7% |
| Relative Tail Risk | -7.15% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.15 |
| Alpha | 95.39 |
| Character TTM | |
|---|---|
| Beta | 0.613 |
| Beta Downside | 0.324 |
| Drawdowns 3y | |
|---|---|
| Max DD | 44.05% |
| CAGR/Max DD | 0.56 |
Description: BBD Banco Bradesco February 11, 2026
Banco Bradesco S.A. (NYSE:BBD) is a diversified Brazilian financial group that operates through two primary segments-Banking and Insurance-offering a full suite of services ranging from retail deposits, credit cards, and corporate financing to life, health, and non-life insurance products. Its business model spans individual, corporate, and institutional clients, and it maintains a significant presence both domestically and in select international markets.
As of the Q4 2025 earnings release, Bradesco reported a net profit of **BRL 10.2 billion**, a **12.5 % return on equity (ROE)**, and a **loan portfolio growth of 5 % YoY**. The bank’s **non-performing loan (NPL) ratio stood at 2.1 %**, while its **CET1 capital ratio improved to 13.8 %**, indicating solid capital adequacy amid a tightening credit environment.
Key macro-economic drivers for Bradesco include Brazil’s **real GDP growth of 2.3 % in 2025**, a **Selic policy rate of 10.75 %**, and **inflation around 4.1 %**, all of which shape credit demand and margin pressure. Sector-wide, the accelerated adoption of digital banking-evidenced by a **23 % year-over-year increase in mobile transaction volumes**-is a critical growth lever for diversified banks in the region.
Given the interplay of robust capital metrics, modest loan growth, and a shifting macro backdrop, a deeper quantitative analysis can help clarify Bradesco’s upside potential; you may find the ValueRay platform’s model inputs a useful next step for research.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 23.67b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.09 > 0.02 and ΔFCF/TA -5.17 > 1.0 |
| NWC/Revenue: -273.5% < 20% (prev -244.3%; Δ -29.13% < -1%) |
| CFO/TA -0.08 > 3% & CFO -192.58b > Net Income 23.67b |
| Net Debt (223.94b) to EBITDA (20.53b): 10.91 < 3 |
| Current Ratio: 0.31 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.58b) vs 12m ago -0.28% < -2% |
| Gross Margin: 35.62% > 18% (prev 0.31%; Δ 3530 % > 0.5%) |
| Asset Turnover: 11.37% > 50% (prev 12.05%; Δ -0.68% > 0%) |
| Interest Coverage Ratio: 0.11 > 6 (EBITDA TTM 20.53b / Interest Expense TTM 139.00b) |
Altman Z'' -1.66
| A: -0.29 (Total Current Assets 305.66b - Total Current Liabilities 989.63b) / Total Assets 2330.33b |
| B: 0.04 (Retained Earnings 90.57b / Total Assets 2330.33b) |
| C: 0.01 (EBIT TTM 15.27b / Avg Total Assets 2199.91b) |
| D: 0.08 (Book Value of Equity 178.51b / Total Liabilities 2151.38b) |
| Altman-Z'' Score: -1.66 = D |
What is the price of BBD shares?
Over the past week, the price has changed by +2.25%, over one month by +19.34%, over three months by +13.80% and over the past year by +114.37%.
Is BBD a buy, sell or hold?
- StrongBuy: 2
- Buy: 1
- Hold: 2
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the BBD price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 4 | -2.2% |
| Analysts Target Price | 4 | -2.2% |
| ValueRay Target Price | 4.6 | 11.5% |
BBD Fundamental Data Overview February 12, 2026
P/E Forward = 7.4184
P/S = 0.474
P/B = 1.2318
P/EG = 0.5753
Revenue TTM = 250.12b USD
EBIT TTM = 15.27b USD
EBITDA TTM = 20.53b USD
Long Term Debt = 430.76b USD (from longTermDebt, two quarters ago)
Short Term Debt = 313.27b USD (from shortTermDebt, two quarters ago)
Debt = 360.98b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 223.94b USD (from netDebt column, last quarter)
Enterprise Value = 266.25b USD (42.31b + Debt 360.98b - CCE 137.03b)
Interest Coverage Ratio = 0.11 (Ebit TTM 15.27b / Interest Expense TTM 139.00b)
EV/FCF = -1.32x (Enterprise Value 266.25b / FCF TTM -201.47b)
FCF Yield = -75.67% (FCF TTM -201.47b / Enterprise Value 266.25b)
FCF Margin = -80.55% (FCF TTM -201.47b / Revenue TTM 250.12b)
Net Margin = 9.46% (Net Income TTM 23.67b / Revenue TTM 250.12b)
Gross Margin = 35.62% ((Revenue TTM 250.12b - Cost of Revenue TTM 161.04b) / Revenue TTM)
Gross Margin QoQ = none% (prev 26.14%)
Tobins Q-Ratio = 0.11 (Enterprise Value 266.25b / Total Assets 2330.33b)
Interest Expense / Debt = 14.60% (Interest Expense 52.69b / Debt 360.98b)
Taxrate = 13.79% (2.90b / 21.02b)
NOPAT = 13.17b (EBIT 15.27b * (1 - 13.79%))
Current Ratio = 0.31 (Total Current Assets 305.66b / Total Current Liabilities 989.63b)
Debt / Equity = 2.02 (Debt 360.98b / totalStockholderEquity, last quarter 178.42b)
Debt / EBITDA = 10.91 (Net Debt 223.94b / EBITDA 20.53b)
Debt / FCF = -1.11 (negative FCF - burning cash) (Net Debt 223.94b / FCF TTM -201.47b)
Total Stockholder Equity = 174.65b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.08% (Net Income 23.67b / Total Assets 2330.33b)
RoE = 13.55% (Net Income TTM 23.67b / Total Stockholder Equity 174.65b)
RoCE = 2.52% (EBIT 15.27b / Capital Employed (Equity 174.65b + L.T.Debt 430.76b))
RoIC = 2.23% (NOPAT 13.17b / Invested Capital 591.39b)
WACC = 12.12% (E(42.31b)/V(403.28b) * Re(8.17%) + D(360.98b)/V(403.28b) * Rd(14.60%) * (1-Tc(0.14)))
Discount Rate = 8.17% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.31%
Fair Price DCF = unknown (Cash Flow -201.47b)
EPS Correlation: 14.62 | EPS CAGR: -3.55% | SUE: -0.08 | # QB: 0
Revenue Correlation: 1.31 | Revenue CAGR: -22.02% | SUE: -0.71 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.12 | Chg30d=+0.007 | Revisions Net=-1 | Analysts=2
EPS current Year (2026-12-31): EPS=0.52 | Chg30d=+0.010 | Revisions Net=+0 | Growth EPS=+17.0% | Growth Revenue=+8.3%
EPS next Year (2027-12-31): EPS=0.56 | Chg30d=+0.029 | Revisions Net=+0 | Growth EPS=+7.4% | Growth Revenue=+7.4%