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

Banco Bradesco S.A. offers banking products and services to individuals, corporations, and businesses in Brazil and internationally. Operating through Banking and Insurance segments, it provides current, savings, and click accounts, along with real estate and vehicle financing, payroll loans, mortgage loans, microcredit, leasing, and installment credit. Its portfolio includes debit and business cards, capitalization bonds, investment and pension products, and auto, personal accident, dental, travel, and life insurance. It also provides cash management, foreign trade, exchange transactions, and real estate and vehicle auctions.

Between FY2021 and FY2025, annual revenue expanded from $157.55B to $311.66B, reflecting a 5-year CAGR of 18.9%. Operating margin in FY2025 was 6.7%, down from 20.9% in FY2021, while net income recovered to $23.67B with a 7.6% net margin and EPS of $0.40. For the trailing twelve months ended June 30, 2026, revenue stood at $93.28B with a 34.5% operating margin and EPS of $0.31. In the latest quarter, quarterly revenue grew 7.2% year-over-year, and quarterly earnings grew 17.8% year-over-year.

As of June 30, 2026, Banco Bradesco held $271.85B in cash and short-term investments against total debt of $805.19B, resulting in net debt of $533.34B. Shareholders' equity was $181.28B across total assets of $2.47T, yielding a debt-to-equity ratio of 4.44 and a current ratio of 0.24. Operating cash flow in FY2025 was $263.05B, resulting in free cash flow of $258.03B. In FY2025, the company deployed capital toward $5.02B in capital expenditures, $222.6M in share buybacks, and $11.83B in dividends paid.

At $3.55, Banco Bradesco has a market cap of $39.67B. It trades at a trailing P/E of 11.5x and a forward P/E of 7.0x, compared to medians of 12.1x and 10.8x for its US-listed Financial Services peers. Its price-to-sales multiple is 0.4x versus the peer median of 3.2x, while its price-to-book ratio is 0.9x. Over the past year, BBDO delivered a return of 39.7%, outperforming the S&P 500 (SPY) return of 16.8%. Over five years, BBDO gained 47.9% compared to 83.0% for the S&P 500.

Banco Bradesco pays a monthly dividend with a forward annual dividend of $0.21 per share, representing a 5.93% dividend yield. The payout ratio stands at 17.3%. The company has paid dividends for 15 consecutive years, delivering a 5-year annualized dividend growth rate of 12.8%. The last ex-dividend date was November 5, 2026.

Analysts project current fiscal year revenue of $150.60B for the period ending December 31, 2026. For the next fiscal year, consensus estimates forecast revenue of $162.24B, representing expected revenue growth of 7.7%. The company's next earnings date is October 22, 2026.

This page is an AI-written research summary of Banco Bradesco S.A. (BBDO). 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.

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