Overview Dividends

(BBD) Banco Bradesco - Ratings and Ratios

Exchange: NYSE • Country: Brazil • Currency: USD • Type: Common Stock • ISIN: US0594603039

Banking, Insurance, Loans, Cards, Investments

Risk via 10d forecast
Volatility 33.1%
Value at Risk 5%th 51.1%
Relative Tail Risk -6.12%
Reward TTM
Sharpe Ratio 1.46
Alpha 61.45
Character TTM
Hurst Exponent 0.422
Beta 0.628
Beta Downside 0.441
Drawdowns 3y
Max DD 44.04%
Mean DD 16.41%
Median DD 14.95%

Description: BBD Banco Bradesco October 14, 2025

Banco Bradesco S.A. (NYSE:BBD) operates through two primary segments-Banking and Insurance-offering a full suite of financial products to individuals, corporates, and institutions in Brazil and abroad. Its banking franchise includes current, savings, salary, and digital “click” accounts; a broad array of credit lines such as real-estate, vehicle, payroll, mortgage, micro-credit, leasing, overdraft, and agribusiness loans; as well as debit, credit, and business card services, consortium products, foreign-exchange, and internet banking. The insurance arm provides car, personal accident, dental, travel, life, and pension products, alongside investment and capitalization-bond offerings.

As of Q3 2024, Bradesco reported a loan portfolio of roughly BRL 1.2 trillion, a net interest margin (NIM) of 5.2%-slightly above the Brazilian diversified-bank average of 4.9%-and a cost-to-income ratio of 38%, reflecting continued efficiency gains from its digital channel expansion. The insurer segment contributed approximately BRL 15 billion in gross premiums, with life insurance growing at a 6% YoY rate, driven by rising middle-class enrollment in retirement products.

Key macro drivers for Bradesco include Brazil’s monetary policy stance (the Selic rate held at 13.75% in early 2025, supporting higher loan yields but also increasing credit-cost pressure), a modest GDP growth forecast of 2.3% for 2025, and accelerating digital adoption-e-banking transactions now represent over 55% of total retail activity, a trend that underpins both fee income growth and cost containment. Additionally, the country’s agribusiness sector, a significant borrower base for Bradesco, benefits from strong export demand and favorable commodity prices, which can bolster loan performance in that segment.

For a deeper, data-driven assessment of Bradesco’s valuation and risk profile, consider exploring the analytical tools available on ValueRay.

BBD Stock Overview

Market Cap in USD 36,086m
Sub-Industry Diversified Banks
IPO / Inception 2001-11-23
Return 12m vs S&P 500 45.0%
Analyst Rating 3.67 of 5

BBD Dividends

Metric Value
Dividend Yield 4.52%
Yield on Cost 5y 5.46%
Yield CAGR 5y 1.76%
Payout Consistency 79.9%
Payout Ratio 16.2%

BBD Growth Ratios

Metric Value
CAGR 3y 17.74%
CAGR/Max DD Calmar Ratio 0.40
CAGR/Mean DD Pain Ratio 1.08
Current Volume 31564.4k
Average Volume 36710.8k

Piotroski VR‑10 (Strict, 0-10) 2.5

Net Income (21.32b TTM) > 0 and > 6% of Revenue (6% = 14.46b TTM)
FCFTA -0.05 (>2.0%) and ΔFCFTA -6.88pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue -252.8% (prev 135.2%; Δ -388.0pp) (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 (271.44b) to EBITDA (18.94b) ratio: 14.33 <= 3.0 (WARN <= 3.5)
Current Ratio 0.35 (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 39.03% (prev 41.91%; Δ -2.88pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 11.42% (prev 10.70%; Δ 0.72pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 0.08 (EBITDA TTM 18.94b / Interest Expense TTM 175.55b) >= 6 (WARN >= 3)

Altman Z'' -1.78

(A) -0.28 = (Total Current Assets 329.52b - Total Current Liabilities 938.67b) / Total Assets 2202.77b
(B) -0.00 = Retained Earnings (Balance) -3.41b / Total Assets 2202.77b
(C) 0.01 = EBIT TTM 13.69b / Avg Total Assets 2110.24b
(D) -0.00 = Book Value of Equity -3.41b / Total Liabilities 2026.63b
Total Rating: -1.78 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 29.55

1. Piotroski 2.50pt = -2.50
2. FCF Yield -14.62% = -5.0
3. FCF Margin -43.81% = -7.50
4. Debt/Equity 3.93 = -1.95
5. Debt/Ebitda 14.33 = -2.50
6. ROIC - WACC (= -5.97)% = -7.46
7. RoE 12.38% = 1.03
8. Rev. Trend 47.58% = 3.57
9. EPS Trend 37.22% = 1.86

What is the price of BBD shares?

As of November 18, 2025, the stock is trading at USD 3.62 with a total of 31,564,430 shares traded.
Over the past week, the price has changed by +0.28%, over one month by +9.81%, over three months by +22.28% and over the past year by +66.06%.

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 2.8%
Analysts Target Price 3.7 2.8%
ValueRay Target Price 4.4 20.4%

BBD Fundamental Data Overview November 17, 2025

Market Cap BRL = 192.25b (36.09b USD * 5.3275 USD.BRL)
P/E Trailing = 10.2222
P/E Forward = 6.9638
P/S = 0.4102
P/B = 1.1733
P/EG = 0.5358
Beta = 0.26
Revenue TTM = 241.00b BRL
EBIT TTM = 13.69b BRL
EBITDA TTM = 18.94b BRL
Long Term Debt = 430.76b BRL (from longTermDebt, last quarter)
Short Term Debt = 283.05b BRL (from shortTermDebt, last fiscal year)
Debt = 689.53b BRL (from shortLongTermDebtTotal, last fiscal year)
Net Debt = 271.44b BRL (from netDebt column, last quarter)
Enterprise Value = 722.46b BRL (192.25b + Debt 689.53b - CCE 159.32b)
Interest Coverage Ratio = 0.08 (Ebit TTM 13.69b / Interest Expense TTM 175.55b)
FCF Yield = -14.62% (FCF TTM -105.59b / Enterprise Value 722.46b)
FCF Margin = -43.81% (FCF TTM -105.59b / Revenue TTM 241.00b)
Net Margin = 8.85% (Net Income TTM 21.32b / Revenue TTM 241.00b)
Gross Margin = 39.03% ((Revenue TTM 241.00b - Cost of Revenue TTM 146.93b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 29.55%)
Tobins Q-Ratio = 0.33 (Enterprise Value 722.46b / Total Assets 2202.77b)
Interest Expense / Debt = 7.64% (Interest Expense 52.69b / Debt 689.53b)
Taxrate = -14.09% (negative due to tax credits) (-687.7m / 4.88b)
NOPAT = 15.62b (EBIT 13.69b * (1 - -14.09%)) [negative tax rate / tax credits]
Current Ratio = 0.35 (Total Current Assets 329.52b / Total Current Liabilities 938.67b)
Debt / Equity = 3.93 (Debt 689.53b / totalStockholderEquity, last quarter 175.64b)
Debt / EBITDA = 14.33 (Net Debt 271.44b / EBITDA 18.94b)
Debt / FCF = -2.57 (negative FCF - burning cash) (Net Debt 271.44b / 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 = 2.27% (EBIT 13.69b / Capital Employed (Equity 172.15b + L.T.Debt 430.76b))
RoIC = 2.66% (NOPAT 15.62b / Invested Capital 586.48b)
WACC = 8.63% (E(192.25b)/V(881.78b) * Re(8.33%) + D(689.53b)/V(881.78b) * Rd(7.64%) * (1-Tc(-0.14)))
Discount Rate = 8.33% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.31%
Fair Price DCF = unknown (Cash Flow -105.59b)
EPS Correlation: 37.22 | EPS CAGR: 60.61% | SUE: 0.00 | # QB: 0
Revenue Correlation: 47.58 | Revenue CAGR: 0.81% | SUE: -0.09 | # QB: 0

Additional Sources for BBD Stock

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