Banco Bradesco SA (BBD) AI Stock Analysis

• Market Cap: $35.69B
• Dividend Yield: 1.8%
• Average Volume (3M): 42.26M
• Price to Earnings (P/E): 10.4
• Beta (1Y): 0.25
• Revenue Growth: 5.89%
• EPS Growth: 34.68%
• Country: US
• Employees: 71,953
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.09
• Shares Outstanding: 5,288,141,000
• 10 Day Avg. Volume: 34,257,731
• 30 Day Avg. Volume: 42,263,275
• 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: 4.12
• Enterprise Value/Revenue: 0.53
• Enterprise Value/Gross Profit: 1.67
• Enterprise Value/Ebitda: 5.61
• 1Y Price Target: $3.65
• Price Target Upside: 7.99% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 0.43
• Revenue Forecast (FY): $25.01B

• Rating: 72 Outperform
• Price Target: $4.00 ▲(18.34% Upside)

Banco Bradesco SA's stock is supported by strong technical indicators and reasonable valuation, despite financial performance challenges related to cash flow and leverage. The positive market momentum and attractive dividend yield enhance the stock's appeal.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial health.

Strategic Healthcare Expansion

Expanding healthcare partnerships enhances Bradesco's market position in a growing sector, diversifying revenue streams and boosting competitiveness.

Strong Financial Performance

Robust income growth reflects effective cost management and strategic focus, strengthening the bank's financial foundation and market confidence.

Negative Factors

High Leverage

High leverage can increase financial risk and limit flexibility, potentially impacting the bank's ability to navigate economic fluctuations.

Negative Cash Flows

Negative cash flows indicate potential liquidity challenges, which could hinder the bank's ability to invest in growth opportunities and meet obligations.

Operational Margin Fluctuations

Fluctuating margins suggest operational challenges, which may affect profitability and require strategic adjustments to maintain efficiency.

Banco Bradesco SA Business Overview & Revenue Model

Company Description

Banco Bradesco S.A., together with its subsidiaries, provides various banking products and services to individuals, corporates, and businesses in Brazil and internationally. The company operates through two segment, Banking and Insurance. It provides current, savings, click, and salary accounts; real estate credit, vehicle financing, payroll loans, mortgage loans, microcredit, leasing, and personal and installment credit; debit and business cards; financial and security services; consortium products; auto, personal accident, dental, travel, and life insurance; investment products; pension products; real estate and vehicle auctions; cash management, and foreign trade and exchange services; capitalization bonds; and internet banking services. Banco Bradesco S.A. was founded in 1943 and is headquartered in Osasco, Brazil.

How the Company Makes Money

Banco Bradesco generates revenue primarily through interest income from its lending operations, which includes personal loans, mortgages, and corporate credit facilities. The bank earns significant fees from its various financial products, such as credit card transactions, asset management fees, and advisory services in investment banking. Additionally, Bradesco's insurance division contributes to its earnings through premiums from life, health, and property insurance policies. The bank's diversified business model allows it to capitalize on multiple revenue streams, while strategic partnerships with other financial entities and technology firms enhance its service offerings and customer reach.

Banco Bradesco SA Financial Statement Overview

Summary

Banco Bradesco SA shows strong revenue growth and operational efficiency, but faces challenges with high leverage and negative cash flow, indicating potential liquidity issues.

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	275.23B	249.61B	254.71B	239.65B	157.55B	130.94B
Gross Profit	87.93B	78.69B	68.16B	82.50B	93.07B	63.66B
EBITDA	26.21B	23.63B	16.73B	30.28B	38.63B	10.00B
Net Income	20.69B	17.25B	14.25B	21.22B	23.17B	15.84B
Balance Sheet
Total Assets	2.15T	2.07T	1.93T	1.79T	1.68T	1.60T
Cash, Cash Equivalents and Short-Term Investments	263.87B	292.77B	41.54B	28.55B	21.28B	23.85B
Total Debt	728.14B	689.53B	359.49B	338.99B	284.55B	181.72B
Total Liabilities	1.97T	1.90T	1.76T	1.63T	1.53T	1.46T
Stockholders Equity	174.05B	168.41B	166.33B	159.53B	149.78B	145.62B
Cash Flow
Free Cash Flow	-112.44B	-93.62B	-9.32B	32.35B	-106.41B	138.17B
Operating Cash Flow	-104.93B	-91.33B	-177.63M	41.77B	-102.00B	142.43B
Investing Cash Flow	56.74B	-5.01B	83.61B	-17.78B	-19.31B	20.46B
Financing Cash Flow	56.60B	117.88B	-23.06B	21.92B	-1.61B	-36.41B

Banco Bradesco SA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3.38
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 3.38 is below the 20-day moving average (MA) of 3.55, above the 50-day MA of 3.38, and above the 200-day MA of 2.78, indicating a bullish trend. The MACD of 0.06 indicates Positive momentum. The RSI at 63.61 is Neutral, neither overbought nor oversold. The STOCH value of 38.09 is Neutral, 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	79 Outperform	$15.78B	16.04	17.06%	10.44%	-6.79%	16.13%
BBD	72 Outperform	$35.69B	10.39	11.78%	1.80%	5.89%	34.68%
BCH	71 Outperform	$18.83B	14.76	21.29%	5.63%	-11.64%	-8.75%
BMA	70 Outperform	$5.00B	12.00	10.91%	2.17%	-57.78%	-67.92%
BSAC	69 Neutral	$13.55B	12.10	24.13%	4.44%	12.43%	56.30%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BSBR	66 Neutral	$24.04B	22.92	9.34%	4.74%	1.13%	-11.93%

Banco Bradesco SA Corporate Events

Banco Bradesco’s October 2025 Securities Transactions Update

In October 2025, Banco Bradesco S.A. reported no operations involving securities and derivatives for some of its administration and family dependents. However, the Board of Directors engaged in significant transactions involving non-voting shares, purchasing and selling substantial quantities through Ágora C.T.V.M. S/A. These activities reflect the bank’s strategic financial maneuvers, potentially impacting its market position and stakeholder interests.

Banco Bradesco Expands Healthcare Partnership with Rede D’Or

On November 10, 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 to include Maternidade São Luiz Star in the ‘Atlântica D’Or’ structure. This expansion, part of a partnership initially disclosed in May 2024, aligns with Atlântica’s strategy to invest in the healthcare value chain. The transaction, which maintains the current ownership structure, is pending regulatory approvals and is expected to enhance Bradesco’s positioning in the healthcare sector.

Banco Bradesco Reports Strong Q3 2025 Financial Results

Banco Bradesco S.A. reported strong financial performance for the third quarter of 2025, with a recurring net income of R$6.2 billion, marking an increase of 2.3% quarter-over-quarter and 18.8% year-over-year. The bank’s revenue reached R$35.0 billion, driven by growth in net interest income, fee and commission income, and insurance operations. The bank maintained stable delinquency rates and improved its credit portfolio quality while continuing its transformation plan to enhance competitiveness and sustainability efforts. Bradesco’s strategic focus on risk-adjusted returns and operational efficiency has resulted in a robust capital position and a stable efficiency ratio.

Banco Bradesco S.A. Reports Strong Q3 2025 Financial Performance and Strategic Expansion

In the third quarter of 2025, Banco Bradesco S.A. reported significant financial and strategic developments. The bank revised its 2025 income projections upwards for fee and commission income as well as income from insurance and pension plans. Additionally, Bradesco expanded its partnership with Rede D’Or São Luiz S.A. by including Hospital Glória D’Or in its network, reflecting its strategy to invest in the health sector. The bank also approved a substantial interest payment on equity, showcasing its strong financial performance. Bradesco continues to advance its digital transformation, leveraging artificial intelligence to improve customer service and operational efficiency, while introducing new features in its digital banking platforms to enhance user convenience and security.

Banco Bradesco Reports Strong Q3 2025 Performance with Strategic Growth Initiatives

In the third quarter of 2025, Banco Bradesco SA reported a recurring net income of R$6.2 billion, marking an 18.8% increase year-over-year, driven by strong performances across net interest income, fee and commission income, and insurance operations. The bank’s total revenue rose to R$35.0 billion, with a notable expansion in its loan portfolio, particularly in the MSME and individual segments. Bradesco continued its transformation plan, enhancing client services and focusing on sustainable financing, achieving its socio-environmental target by allocating R$350 billion to beneficial sectors by the end of September 2025. The bank maintained a stable delinquency ratio and robust capital ratios, underscoring its competitive positioning and commitment to long-term growth.

Banco Bradesco’s September 2025 Share Transactions Unveiled

In September 2025, Banco Bradesco S.A. reported no operations involving securities and derivatives for its administration and family dependents. However, the Board of Directors engaged in several transactions involving non-voting shares, purchasing a total of 972,701 shares valued at approximately R$17.15 million. This activity reflects the bank’s strategic decisions regarding its shareholding structure and may impact its market positioning and stakeholder interests.

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.