Banco Bradesco SA (BBD) AI Stock Analysis

• Market Cap: $32.71B
• Dividend Yield: 1.84%
• Average Volume (3M): 33.23M
• Price to Earnings (P/E): 9.7
• Beta (1Y): 0.27
• Revenue Growth: -4.58%
• EPS Growth: 39.03%
• Country: US
• Employees: 71,953
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.11
• Shares Outstanding: 5,311,865,700
• 10 Day Avg. Volume: 44,313,308
• 30 Day Avg. Volume: 33,234,221
• PEG Ratio: 0.34
• Price to Book (P/B): 0.75
• Price to Sales (P/S): 0.50
• P/FCF Ratio: -1.34
• Enterprise Value/Market Cap: 4.19
• Enterprise Value/Revenue: 0.62
• Enterprise Value/Gross Profit: 1.65
• Enterprise Value/Ebitda: 10.72
• 1Y Price Target: $3.50
• Price Target Upside: 5.11% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 71 Outperform
• Price Target: $3.50 ▲(5.11% Upside)

Banco Bradesco SA's strong earnings growth and positive technical indicators are the most significant factors driving the score. While the financial performance shows potential, concerns about cash flow and leverage need addressing. The stock's attractive valuation and positive earnings call sentiment further support its investment appeal.

Banco Bradesco SA Business Overview & Revenue Model

Company Description

Banco Bradesco SA is one of Brazil's largest private banks, providing a wide range of financial services and products to individuals, companies, and institutions. Founded in 1943, the bank operates through various sectors, including retail banking, insurance, asset management, and investment banking. Its core offerings encompass personal and corporate loans, credit cards, savings and checking accounts, investment products, and insurance services, making it a comprehensive financial services provider in the Brazilian market.

How the Company Makes Money

Banco Bradesco generates revenue primarily through interest income from loans, which constitutes a significant portion of its earnings. The bank extends credit to individuals and businesses, charging interest on these loans. Additionally, it earns income from various fees associated with banking services, such as account maintenance, transaction fees, and advisory services. The bank also generates revenue from its insurance products, asset management services, and investment banking activities. Strategic partnerships with other financial institutions, technology companies, and fintech firms enhance its service offerings and customer base, contributing to its overall earnings.

Banco Bradesco SA Financial Statement Overview

Summary

Banco Bradesco SA shows strong revenue growth and operational efficiency, with a solid equity position. However, high leverage and negative cash flow raise concerns about liquidity and financial stability.

Income Statement

Banco Bradesco SA has shown a mixed performance in its income statement. The company experienced a revenue increase from 2023 to 2024, with a substantial growth rate of approximately 15.4%. However, the net profit margin was around 21.9% in 2024, which is relatively stable. The EBIT margin is strong at 39.1%, indicating efficient operational performance. However, the historical fluctuation in revenue and net income suggests some volatility in earnings.

Balance Sheet

The balance sheet of Banco Bradesco SA presents a solid equity position with an equity ratio of approximately 8.1% in 2024. The debt-to-equity ratio is high at 1.52, reflecting significant leverage, which could pose risks if not managed properly. However, the company has maintained a stable stockholders' equity trend over the years, suggesting a strong capital base.

Cash Flow

The cash flow statement indicates challenges for Banco Bradesco SA, with a negative operating cash flow in 2024. The free cash flow has declined significantly, showing a concerning trend in liquidity. The free cash flow to net income ratio is negative, suggesting potential cash management issues. Despite these concerns, the company has a history of positive free cash flow in earlier years, showing some potential for recovery.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	221.66B	249.61B	68.35B	109.00B	102.43B	62.58B
Gross Profit	83.20B	78.69B	68.16B	106.34B	102.43B	82.37B
EBITDA	12.79B	23.63B	16.73B	0.00	0.00	10.00B
Net Income	18.74B	17.25B	14.25B	21.22B	23.17B	15.84B
Balance Sheet
Total Assets	2.05T	2.07T	1.93T	1.79T	1.68T	1.60T
Cash, Cash Equivalents and Short-Term Investments	441.94B	292.77B	522.98B	28.55B	21.28B	23.85B
Total Debt	683.00B	256.03B	359.49B	338.99B	238.94B	217.91B
Total Liabilities	1.88T	1.90T	1.76T	1.63T	1.53T	1.46T
Stockholders Equity	170.50B	168.41B	166.33B	159.53B	149.78B	145.62B
Cash Flow
Free Cash Flow	-123.21B	-93.62B	-9.32B	32.35B	-106.41B	138.17B
Operating Cash Flow	-116.13B	-91.33B	-177.63M	41.77B	-102.00B	142.43B
Investing Cash Flow	44.20B	-5.01B	83.61B	-17.78B	-19.31B	20.46B
Financing Cash Flow	47.78B	117.88B	-23.06B	21.92B	-1.61B	-36.41B

Banco Bradesco SA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3.33
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BBD, the sentiment is Positive. The current price of 3.33 is above the 20-day moving average (MA) of 3.12, above the 50-day MA of 2.97, and above the 200-day MA of 2.45, indicating a bullish trend. The MACD of 0.09 indicates Negative momentum. The RSI at 69.50 is Neutral, neither overbought nor oversold. The STOCH value of 84.06 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BBD.

Banco Bradesco SA Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CIB	81 Outperform	13.66B	14.68	14.39%	12.62%	-8.82%	4.87%
BSAC	76 Outperform	12.21B	10.77	16.23%	5.20%	12.43%	56.30%
BCH	73 Outperform	15.07B	11.56	19.19%	7.17%	-13.16%	-8.10%
BBD	71 Outperform	$32.71B	9.75	11.76%	1.84%	-4.58%	39.03%
BSBR	70 Outperform	20.47B	20.08	0.00%	5.58%	-3.77%	-10.59%
BMA	63 Neutral	2.62B	6.31	8.04%	2.88%	-57.78%	-67.92%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Banco Bradesco SA Corporate Events

Banco Bradesco Announces R$3 Billion Interim Interest Payment

On September 18, 2025, Banco Bradesco S.A. announced that its Board of Directors approved a proposal for the payment of interim interest on shareholders’ equity totaling R$3 billion. This decision will benefit shareholders registered by September 29, 2025, with payments scheduled by April 30, 2026. The approved interest represents a significant increase, approximately 15.7 times the usual monthly interest, and will contribute to the calculation of mandatory dividends for the year. This move underscores Bradesco’s commitment to enhancing shareholder value and reflects its robust financial position.

Banco Bradesco Reports No Securities Operations in August 2025

In August 2025, Banco Bradesco S.A. reported that there were no operations involving securities and derivatives. This lack of activity might indicate a period of strategic reassessment or market stabilization for the company, potentially impacting its short-term financial strategies and stakeholder expectations.

Banco Bradesco Expands Healthcare Partnership with Rede D’Or

On September 1, 2025, Banco Bradesco S.A. announced that its indirectly controlled investment company, Atlântica Hospitais e Participações S.A., signed an Investment Agreement with Rede D’Or São Luiz S.A. Group. This agreement involves the inclusion of Hospital Glória D’or into the ‘Atlântica D’Or’ network, maintaining a partnership structure with 50.01% held by Rede D’Or and 49.99% by Atlântica. The expansion aligns with Atlântica’s strategy to invest in the healthcare value chain through partnerships with established hospital operators. The transaction is subject to regulatory approvals and other conditions typical for such operations.

Banco Bradesco Reports July 2025 Securities Transactions

In July 2025, Banco Bradesco S.A. reported no operations involving securities and derivatives for its administration and family dependents. However, the bank’s Board of Executive Officers conducted a transaction involving the purchase of non-voting shares, totaling 127,808 shares at a value of R$1,999,437.60. This transaction reflects the bank’s ongoing management of its securities portfolio, potentially impacting its market positioning and stakeholder interests.

Banco Bradesco S.A. Complies with SEC Filing Requirements

On July 30, 2025, Banco Bradesco S.A. filed a report under the Securities Exchange Act of 1934, signed by Investor Relations Officer André Costa Carvalho. This filing indicates the bank’s compliance with regulatory requirements, reflecting its commitment to transparency and accountability in its operations.

Banco Bradesco SA Submits July 2025 Form 6-K to SEC

Banco Bradesco SA, a major financial institution based in Brazil, submitted a Form 6-K to the United States Securities and Exchange Commission for the month of July 2025. This filing indicates compliance with the Securities Exchange Act of 1934, showcasing the bank’s adherence to international financial reporting standards, which could impact its transparency and investor relations positively.

Banco Bradesco Revises 2025 Growth Guidance

On July 30, 2025, Banco Bradesco S.A. announced a revision of its 2025 growth guidance. The bank maintained its projections for the expanded loan portfolio and net interest income net of provisions, while adjusting its fee and commission income growth from 4%-8% to 5%-9% and increasing its income from insurance, pension plans, and capitalization bonds from 6%-10% to 9%-13%. These adjustments reflect Bradesco’s strategic focus on enhancing revenue streams in specific areas, potentially impacting its market positioning and stakeholder expectations.

Banco Bradesco Clarifies Position on Alelo Acquisition Rumors

Banco Bradesco S.A. addressed recent media reports about iFood’s potential acquisition of Alelo for R$ 5 billion, clarifying that no formal proposals or agreements have been made regarding this transaction. The announcement underscores Bradesco’s ongoing strategy of evaluating business opportunities, which may impact its market positioning and stakeholder interests.

Banco Bradesco Reports No Securities Activity in June 2025

In June 2025, Banco Bradesco S.A. reported no operations involving securities and derivatives by its administration and family dependants. The report highlights the unchanged status of common and non-voting shares, reflecting stability in the company’s securities holdings. This lack of activity may suggest a period of consolidation or strategic pause for the bank, potentially impacting stakeholders’ expectations regarding future financial maneuvers.