Banco Bradesco S.A. (BBD) AI Stock Analysis

Banco Bradesco S.A., founded in 1943 and based in Osasco, Brazil, delivers comprehensive banking and insurance services to individuals, corporates, and businesses. Its Banking segment provides checking, savings, click, and salary accounts alongside credit products including real estate credit, vehicle financing, payroll loans, mortgage loans, microcredit, leasing, and personal loans. The bank also offers debit and business cards, consortium products, investment and pension plans, cash management, and foreign exchange services. Through its Insurance segment, it markets auto, personal accident, dental, travel, and life insurance solutions, maintaining a broad presence across Brazil's financial sector.

Annual revenue expanded from $157.55B in FY2021 to $311.66B in FY2025, achieving a 5-year compound annual growth rate of 18.9%. Following a 2.0% revenue decline in FY2024 to $249.61B, FY2025 revenue rebounded with 24.9% growth. Operating margins were 20.9% in FY2021, fell to 4.0% in FY2023, and finished at 6.7% in FY2025, generating net income of $23.67B and EPS of $0.42. For the quarter ended June 30, 2026, revenue increased 7.2% year-over-year while quarterly earnings rose 17.8%, bringing trailing twelve-month revenue to $93.28B with a 34.5% operating margin.

As of June 30, 2026, Banco Bradesco held $271.85B in cash and short-term investments against total debt of $805.19B, leaving net debt at $533.34B. Total assets reached $2.47T against shareholders' equity of $181.28B, resulting in a debt-to-equity ratio of 4.44 and a current ratio of 0.24. During FY2025, operating cash flow was $263.05B and free cash flow was $258.03B. Capital deployment in FY2025 included $5.02B in capital expenditures, $222.6M in share buybacks, and $11.83B in dividends paid.

Trading at $3.96 with a market cap of $44.26B, Banco Bradesco carries a forward P/E of 8.1x, below the 10.8x median of its US-listed Financial Services peers. Its trailing P/E of 12.8x is slightly above the peer median of 12.1x, while its price-to-sales ratio of 0.5x sits well below the peer median of 3.2x. Over the past year, the stock gained 32.4%, outperforming the S&P 500 (SPY) return of 16.8%. Over a five-year timeframe, its 63.4% gain trailed the index return of 83.0%.

Banco Bradesco distributes a monthly dividend with a forward annual dividend of $0.23, representing a 5.88% dividend yield. The company has maintained dividend payments for 26 consecutive years and has delivered a 5-year annualized dividend growth rate of 17.3%. The distribution remains backed by a payout ratio of 16.9%, with the last ex-dividend date falling on November 5, 2026.

Wall Street analyst coverage consists of 1 Strong Buy, 2 Buy, 2 Hold, and 1 Sell recommendations. The consensus mean price target is $4.38, representing 10.6% upside from the recent close of $3.96. For the fiscal year ending December 31, 2026, consensus estimates anticipate revenue of $150.60B and EPS of $0.49, indicating 11.3% EPS growth. Over the last four quarters, the bank has beaten EPS estimates 1 time, with its next earnings release scheduled for October 22, 2026.

This page is an AI-written research summary of Banco Bradesco S.A. (BBD). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: BBD income statement, BBD analyst forecast, BBD chart. See the BBD stock overview for the latest quote and news.