(BBD) Banco Bradesco - Overview
Stock: Banking, Insurance, Loans, Cards, Deposits
| Risk 5d forecast | |
|---|---|
| Volatility | 34.8% |
| Relative Tail Risk | -7.70% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.93 |
| Alpha | 99.09 |
| Character TTM | |
|---|---|
| Beta | 0.262 |
| Beta Downside | 0.207 |
| Drawdowns 3y | |
|---|---|
| Max DD | 44.04% |
| CAGR/Max DD | 0.46 |
EPS (Earnings per Share)
Revenue
Description: BBD Banco Bradesco February 26, 2026
Banco Bradesco S.A. (NYSE:BBD) operates through two primary segments-Banking and Insurance-offering a full suite of services that range from retail deposits, credit cards, and consumer loans to corporate finance, investment banking, and a broad portfolio of life, health, and non-life insurance products. Its diversified model also includes asset management, leasing, consortia administration, and various fee-based services for individuals and businesses across Brazil and select international markets.
In the most recent quarter (Q2 2024), Bradesco posted a net profit of BRL 12.4 billion, delivering a return on equity (ROE) of 18.2% and a net interest margin (NIM) of 4.3%. The loan portfolio expanded 6% year-over-year, while credit-card balances grew 4%, reflecting resilient consumer demand despite a high-interest-rate environment. Non-interest income, driven largely by insurance premiums and fee-based services, contributed roughly 30% of total revenue.
Key macro drivers include Brazil’s current Selic rate of 10.75%, which supports higher NIMs but also pressures credit risk, and the accelerating shift toward digital banking that is reshaping competition with fintech entrants. The bank’s strong capital position (CET1 ratio 13.5%) and its extensive branch network give it a competitive edge in capturing both traditional and emerging market opportunities.
For deeper analysis, consider reviewing ValueRay’s detailed report on BBD.
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income: 23.21b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.09 > 0.02 and ΔFCF/TA -5.17 > 1.0 |
| NWC/Revenue: -54.20% < 20% (prev -244.3%; Δ 190.1% < -1%) |
| CFO/TA -0.08 > 3% & CFO -192.58b > Net Income 23.21b |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 0.58 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.58b) vs 12m ago -0.28% < -2% |
| Gross Margin: 34.61% > 18% (prev 0.31%; Δ 3429 % > 0.5%) |
| Asset Turnover: 15.56% > 50% (prev 12.05%; Δ 3.51% > 0%) |
| Interest Coverage Ratio: -0.03 > 6 (EBITDA TTM -3.56b / Interest Expense TTM 190.04b) |
Altman Z'' -0.33
| A: -0.08 (Total Current Assets 254.85b - Total Current Liabilities 440.34b) / Total Assets 2330.33b |
| B: 0.04 (Retained Earnings 90.57b / Total Assets 2330.33b) |
| C: -0.00 (EBIT TTM -5.96b / Avg Total Assets 2199.91b) |
| D: 0.08 (Book Value of Equity 178.51b / Total Liabilities 2151.38b) |
| Altman-Z'' Score: -0.33 = B |
Beneish M
| DSRI: none (Receivables none/33.18b, Revenue 342.23b/249.32b) |
| GMI: 0.91 (GM 34.61% / 31.45%) |
| AQI: 1.06 (AQ_t 0.89 / AQ_t-1 0.84) |
| SGI: 1.37 (Revenue 342.23b / 249.32b) |
| TATA: 0.09 (NI 23.21b - CFO -192.58b) / TA 2330.33b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of BBD shares?
Over the past week, the price has changed by -7.56%, over one month by -6.40%, over three months by +15.72% and over the past year by +100.11%.
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 | 7% |
| Analysts Target Price | 4 | 7% |
BBD Fundamental Data Overview March 05, 2026
P/E Forward = 7.4794
P/S = 0.4514
P/B = 1.2431
P/EG = 0.5798
Revenue TTM = 342.23b USD
EBIT TTM = -5.96b USD
EBITDA TTM = -3.56b USD
Long Term Debt = 294.87b USD (from longTermDebt, last quarter)
Short Term Debt = 440.34b USD (from shortTermDebt, last quarter)
Debt = 360.98b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 223.94b USD (from netDebt column, last quarter)
Enterprise Value = 146.43b USD (40.30b + Debt 360.98b - CCE 254.85b)
Interest Coverage Ratio = -0.03 (Ebit TTM -5.96b / Interest Expense TTM 190.04b)
EV/FCF = -0.73x (Enterprise Value 146.43b / FCF TTM -201.47b)
FCF Yield = -137.6% (FCF TTM -201.47b / Enterprise Value 146.43b)
FCF Margin = -58.87% (FCF TTM -201.47b / Revenue TTM 342.23b)
Net Margin = 6.78% (Net Income TTM 23.21b / Revenue TTM 342.23b)
Gross Margin = 34.61% ((Revenue TTM 342.23b - Cost of Revenue TTM 223.80b) / Revenue TTM)
Gross Margin QoQ = 45.32% (prev 26.14%)
Tobins Q-Ratio = 0.06 (Enterprise Value 146.43b / Total Assets 2330.33b)
Interest Expense / Debt = 14.14% (Interest Expense 51.04b / Debt 360.98b)
Taxrate = 21.0% (US default 21%)
NOPAT = -4.70b (EBIT -5.96b * (1 - 21.00%)) [loss with tax shield]
Current Ratio = 0.58 (Total Current Assets 254.85b / Total Current Liabilities 440.34b)
Debt / Equity = 2.02 (Debt 360.98b / totalStockholderEquity, last quarter 178.42b)
Debt / EBITDA = -62.94 (negative EBITDA) (Net Debt 223.94b / EBITDA -3.56b)
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 = 1.05% (Net Income 23.21b / Total Assets 2330.33b)
RoE = 13.29% (Net Income TTM 23.21b / Total Stockholder Equity 174.65b)
RoCE = -1.27% (EBIT -5.96b / Capital Employed (Equity 174.65b + L.T.Debt 294.87b))
RoIC = -0.80% (negative operating profit) (NOPAT -4.70b / Invested Capital 591.39b)
WACC = 10.74% (E(40.30b)/V(401.27b) * Re(6.88%) + D(360.98b)/V(401.27b) * Rd(14.14%) * (1-Tc(0.21)))
Discount Rate = 6.88% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -0.31%
[DCF] Fair Price = unknown (Cash Flow -201.47b)
EPS Correlation: 14.62 | EPS CAGR: -3.55% | SUE: -0.08 | # QB: 0
Revenue Correlation: 61.77 | Revenue CAGR: 20.17% | SUE: 3.09 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.12 | Chg7d=+0.000 | Chg30d=-0.003 | Revisions Net=+0 | Analysts=2
EPS current Year (2026-12-31): EPS=0.50 | Chg7d=-0.017 | Chg30d=-0.001 | Revisions Net=-1 | Growth EPS=+13.3% | Growth Revenue=+8.3%
EPS next Year (2027-12-31): EPS=0.54 | Chg7d=-0.017 | Chg30d=+0.023 | Revisions Net=+0 | Growth EPS=+7.6% | Growth Revenue=+7.4%
[Analyst] Revisions Ratio: +0.00 (1 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -2.8% (Discount Rate 7.9% - Earnings Yield 10.8%)
[Growth] Growth Spread = +12.2% (Analyst 9.4% - Implied -2.8%)