(BBD) Banco Bradesco - Ratings and Ratios
Banking, Insurance, Loans, Credit, Investment
Description: BBD Banco Bradesco
Banco Bradesco SA ADR (NYSE:BBD) is a Brazilian banking giant with a diversified portfolio of financial products and services catering to individuals, corporates, and businesses. The companys operations span across two primary segments: Banking and Insurance, offering a wide range of services including account management, credit facilities, insurance products, investment services, and foreign exchange.
From a financial perspective, Banco Bradesco has a market capitalization of approximately $28.4 billion USD, indicating its substantial presence in the financial sector. The Price-to-Earnings (P/E) ratio stands at 9.67, while the forward P/E is 7.23, suggesting that the stock might be undervalued relative to its future earnings potential. The Return on Equity (RoE) of 11.17% indicates a decent profitability level, although it may be considered relatively modest compared to industry benchmarks or more recent market trends.
Additional key performance indicators (KPIs) worth considering include the companys dividend yield, which can be attractive for income-seeking investors, and its efficiency ratio, which can provide insights into the banks operational effectiveness. The banks asset quality, reflected in metrics such as the non-performing loan ratio, is also crucial. Furthermore, the Capital Adequacy Ratio (CAR) is an essential metric to assess the banks capital strength and resilience against potential financial shocks.
Given its diversified banking and insurance operations, Banco Bradescos revenue streams are likely to be influenced by Brazils economic conditions, interest rates, and regulatory changes. The banks exposure to various sectors, including consumer credit, corporate banking, and insurance, positions it with both opportunities and risks. The ongoing economic and financial trends in Brazil, alongside global economic conditions, will be pivotal in shaping the banks future performance.
BBD Stock Overview
| Market Cap in USD | 30,743m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 2001-11-23 |
BBD Stock Ratings
| Growth Rating | 17.3% |
| Fundamental | 39.9% |
| Dividend Rating | 31.2% |
| Return 12m vs S&P 500 | 4.79% |
| Analyst Rating | 3.67 of 5 |
BBD Dividends
| Dividend Yield 12m | 1.75% |
| Yield on Cost 5y | 1.73% |
| Annual Growth 5y | 2.23% |
| Payout Consistency | 74.7% |
| Payout Ratio | 16.7% |
BBD Growth Ratios
| Growth Correlation 3m | 27.4% |
| Growth Correlation 12m | 61.3% |
| Growth Correlation 5y | -60.1% |
| CAGR 5y | 2.58% |
| CAGR/Max DD 3y | 0.06 |
| CAGR/Mean DD 3y | 0.10 |
| Sharpe Ratio 12m | -0.11 |
| Alpha | 11.98 |
| Beta | 0.564 |
| Volatility | 35.59% |
| Current Volume | 56519.7k |
| Average Volume 20d | 31563.1k |
| Stop Loss | 3 (-5.7%) |
| Signal | 0.52 |
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income (20.69b TTM) > 0 and > 6% of Revenue (6% = 16.51b TTM) |
| FCFTA -0.04 (>2.0%) and ΔFCFTA -13.27pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -233.9% (prev -5.83%; Δ -228.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.05 (>3.0%) and CFO -104.93b <= Net Income 20.69b (YES >=105%, WARN >=100%) |
| Net Debt (568.63b) to EBITDA (26.21b) ratio: 21.70 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.32 (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 -0.34% (target <= -2.0% for YES) |
| Gross Margin 31.95% (prev 51.97%; Δ -20.02pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 13.26% (prev 8.84%; Δ 4.42pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.12 (EBITDA TTM 26.21b / Interest Expense TTM 160.15b) >= 6 (WARN >= 3) |
Altman Z'' -1.82
| (A) -0.30 = (Total Current Assets 305.83b - Total Current Liabilities 949.52b) / Total Assets 2147.57b |
| (B) -0.00 = Retained Earnings (Balance) -2.71b / Total Assets 2147.57b |
| (C) 0.01 = EBIT TTM 19.26b / Avg Total Assets 2075.71b |
| (D) 0.09 = Book Value of Equity 174.15b / Total Liabilities 1973.03b |
| Total Rating: -1.82 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 39.90
| 1. Piotroski 2.50pt = -2.50 |
| 2. FCF Yield -15.00% = -5.0 |
| 3. FCF Margin -34.02% = -7.50 |
| 4. Debt/Equity 4.16 = -2.16 |
| 5. Debt/Ebitda 27.65 = -2.50 |
| 6. ROIC - WACC 1.05% = 1.31 |
| 7. RoE 12.17% = 1.01 |
| 8. Rev. Trend 74.99% = 5.62 |
| 9. EPS Trend 32.27% = 1.61 |
What is the price of BBD shares?
Over the past week, the price has changed by +0.95%, over one month by +7.56%, over three months by +5.77% and over the past year by +24.58%.
Is Banco Bradesco a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BBD is around 2.96 USD . This means that BBD is currently overvalued and has a potential downside of -6.92%.
Is BBD a buy, sell or hold?
- 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 | 3.2 | 1.9% |
| Analysts Target Price | 3.2 | 1.9% |
| ValueRay Target Price | 3.3 | 3.5% |
Last update: 2025-09-12 04:32
BBD Fundamental Data Overview
CCE Cash And Equivalents = 263.87b BRL (Cash And Short Term Investments, last quarter)
P/E Trailing = 9.1765
P/E Forward = 6.0496
P/S = 0.3501
P/B = 1.0282
P/EG = 0.4654
Beta = 0.384
Revenue TTM = 275.23b BRL
EBIT TTM = 19.26b BRL
EBITDA TTM = 26.21b BRL
Long Term Debt = 423.62b BRL (from longTermDebt, last quarter)
Short Term Debt = 300.95b BRL (from shortTermDebt, last quarter)
Debt = 724.57b BRL (Calculated: Short Term 300.95b + Long Term 423.62b)
Net Debt = 568.63b BRL (from netDebt column, last quarter)
Enterprise Value = 624.14b BRL (163.44b + Debt 724.57b - CCE 263.87b)
Interest Coverage Ratio = 0.12 (Ebit TTM 19.26b / Interest Expense TTM 160.15b)
FCF Yield = -15.00% (FCF TTM -93.62b / Enterprise Value 624.14b)
FCF Margin = -34.02% (FCF TTM -93.62b / Revenue TTM 275.23b)
Net Margin = 7.52% (Net Income TTM 20.69b / Revenue TTM 275.23b)
Gross Margin = 31.95% ((Revenue TTM 275.23b - Cost of Revenue TTM 187.30b) / Revenue TTM)
Tobins Q-Ratio = 3.58 (Enterprise Value 624.14b / Book Value Of Equity 174.15b)
Interest Expense / Debt = 6.38% (Interest Expense 46.22b / Debt 724.57b)
Taxrate = -3.80% (set to none) (-641.6m / 16.90b)
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = 0.32 (Total Current Assets 305.83b / Total Current Liabilities 949.52b)
Debt / Equity = 4.16 (Debt 724.57b / last Quarter total Stockholder Equity 174.05b)
Debt / EBITDA = 27.65 (Net Debt 568.63b / EBITDA 26.21b)
Debt / FCF = -7.74 (Debt 724.57b / FCF TTM -93.62b)
Total Stockholder Equity = 170.02b (last 4 quarters mean)
RoA = 0.96% (Net Income 20.69b, Total Assets 2147.57b )
RoE = 12.17% (Net Income TTM 20.69b / Total Stockholder Equity 170.02b)
RoCE = 3.24% (Ebit 19.26b / (Equity 170.02b + L.T.Debt 423.62b))
RoIC = 1.05% (Ebit 19.26b / (Assets 2147.57b - Current Assets 305.83b))
WACC = unknown (E(163.44b)/V(888.01b) * Re(8.09%)) + (D(724.57b)/V(888.01b) * Rd(6.38%) * (1-Tc(none)))
Shares Correlation 3-Years: -90.51 | Cagr: -0.53%
Discount Rate = 8.09% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -93.62b)
EPS Correlation: 32.27 | EPS CAGR: 7.57% | SUE: 0.09 | # QB: False
Revenue Correlation: 74.99 | Revenue CAGR: 48.91%
Additional Sources for BBD Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle