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BBD logoBanco Bradesco S.A.(BBD)Earnings, Financials & Key Ratios

BBD•NYSE•Banking & Credit
$3.86
$40.84B mkt cap·8.7× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryNon-US regional and universal banks
AboutBanco 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.Show more
  • Net Interest Income$71.83B+6.5%
  • Total Revenue$342.23B+37.1%
  • Net Income$23.21B+34.5%
  • Return on Equity13.34%+29.9%
  • Net Interest Margin3.08%-5.4%
  • Efficiency Ratio35.73%+44.3%
  • ROA1.05%+22.2%
  • Equity / Assets7.68%-5.9%
  • Book Value per Share16.92+6.3%
  • Tangible BV/Share14.49+5.9%
  • Debt/Equity4.46+9.3%
Analysis→Technical→

BBD Key Insights

Banco Bradesco S.A. (BBD) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Efficient operations: 35.7% efficiency ratio
  • ✓Healthy dividend yield of 5.9%
  • ✓Trading at only 1.1x book value

✗Weaknesses

  • ✗High debt to equity ratio of 4.5x

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

BBD Price & Volume

Banco Bradesco S.A. (BBD) stock price & volume — 10-year historical chart

Loading chart...

BBD Growth Metrics

Banco Bradesco S.A. (BBD) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years9.51%
5 Years21.18%
3 Years12.61%
TTM-

Profit CAGR

10 Years2.5%
5 Years7.94%
3 Years3.02%
TTM34.51%

EPS CAGR

10 Years3.06%
5 Years8.15%
3 Years3.24%
TTM34.36%

Return on Capital

10 Years1.24%
5 Years0.95%
3 Years0.44%
Last Year-0.33%

BBD Recent Earnings

Banco Bradesco S.A. (BBD) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 1/12 qtrs (9%)●Beat Revenue 8/12 qtrs (80%)
Q1 2026Latest
Feb 6, 2026
EPS
$0.11
Est $0.11
+0.0%
Revenue
$6.9B
Est $6.6B
+5.1%
Q1 2026
Feb 5, 2026
EPS
$0.11
Est $0.11
+0.0%
Revenue
$6.9B
Est $6.6B
+5.1%
Q4 2025
Oct 29, 2025
EPS
$0.09
Est $0.11
-18.2%
Revenue
$15.1B
Est $6.7B
+126.2%
Q3 2025
Jul 30, 2025
EPS
$0.10
Est $0.10
+0.0%
Revenue
$14.1B
Est $6.1B
+131.5%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q1 2026LatestFeb 6, 2026
$0.11vs $0.11+0.0%
$6.9Bvs $6.6B+5.1%
Q1 2026Feb 5, 2026
$0.11vs $0.11+0.0%
$6.9Bvs $6.6B+5.1%
Q4 2025Oct 29, 2025
$0.09vs $0.11-18.2%
$15.1Bvs $6.7B+126.2%
Q3 2025Jul 30, 2025
$0.10vs $0.10+0.0%
$14.1Bvs $6.1B+131.5%
Based on last 12 quarters of dataView full earnings history →

BBD Peer Comparison

Banco Bradesco S.A. (BBD) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
ITUB logoITUBItaú Unibanco Holding S.A.Direct Competitor93.13B8.4510.6218.03%20.64%4.71
BSBR logoBSBRBanco Santander (Brasil) S.A.Direct Competitor44.79B5.9818.1217.45%10.21%1.03
ABEV logoABEVAmbev S.A.Direct Competitor53.57B3.4317.11-1.35%17.57%16.75%0.06
GGB logoGGBGerdau S.A.Direct Competitor9.88B4.9335.284.23%1.99%2.52%0.29
SID logoSIDCompanhia Siderúrgica NacionalDirect Competitor1.86B1.40-5.96-3.85%-3.42%-11.82%3.69
BAC logoBACBank of America CorporationProduct Competitor407.94B53.6014.03-1.91%10.1%1.21
C logoCCitigroup Inc.Product Competitor222.93B127.5721.449.86%6.87%2.82
SAN logoSANBanco Santander, S.A.Product Competitor182.01B12.4012.14-7.71%12.76%4.40

Compare BBD vs Peers

Banco Bradesco S.A. (BBD) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs ITUB

Most directly comparable listed peer for BBD.

Scale Benchmark

vs BAC

Larger-name benchmark to compare BBD against a more recognizable public peer.

Peer Set

Compare Top 5

vs ITUB, BSBR, ABEV, GGB

BBD Income Statement

Banco Bradesco S.A. (BBD) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income50.64B66.81B65.8B71.17B83.1B69.81B55.08B67.45B71.83B
NII Growth %-10.62%31.92%-1.51%8.16%16.77%-15.99%-21.1%22.46%6.49%
Net Interest Margin %4.14%5.12%4.77%4.44%4.96%3.9%2.86%3.26%3.08%
Interest Income126.23B122.05B124.42B119.74B138.22B200.61B211.46B211.73B261.87B
Interest Expense75.59B55.24B58.62B48.58B55.12B130.8B156.38B144.28B190.04B
Loan Loss Provision16.86B15.09B12.53B18.71B9.36B26.35B30.18B26.64B33.76B
Non-Interest Income40.55B21.98B33.48B11.2B19.33B39.04B43.25B37.88B80.36B
Non-Interest Income %24.31%15.26%21.2%8.55%12.27%16.29%16.98%15.17%23.48%
Total Revenue
166.78B▲ 0%
144.04B▼ 13.6%
157.9B▲ 9.6%
130.94B▼ 17.1%
157.55B▲ 20.3%
239.65B▲ 52.1%
254.71B▲ 6.3%
249.61B▼ 2.0%
342.23B▲ 37.1%
Revenue Growth %-11.01%-13.64%9.63%-17.07%20.32%52.11%6.28%-2%37.11%
Non-Interest Expense50.59B54.26B73.37B59.58B60.22B57.88B57.95B61.79B122.27B
Efficiency Ratio30.33%37.67%46.47%45.5%38.22%24.15%22.75%24.76%35.73%
Operating Income
23.74B▲ 0%
19.44B▼ 18.1%
13.38B▼ 31.2%
4.08B▼ 69.5%
32.85B▲ 706.1%
24.62B▼ 25.1%
10.21B▼ 58.5%
16.9B▲ 65.6%
-3.84B▼ 122.7%
Operating Margin %14.24%13.5%8.47%3.11%20.85%10.27%4.01%6.77%-1.12%
Operating Income Growth %-25.58%-18.12%-31.17%-69.54%706.13%-25.05%-58.54%65.56%-122.69%
Pretax Income
23.74B▲ 0%
19.44B▼ 18.1%
13.38B▼ 31.2%
4.08B▼ 69.5%
32.85B▲ 706.1%
24.62B▼ 25.1%
10.21B▼ 58.5%
16.9B▲ 65.6%
18.49B▲ 9.4%
Pretax Margin %14.24%13.5%8.47%3.11%20.85%10.27%4.01%6.77%5.4%
Income Tax6.43B2.69B-7.79B-11.96B9.47B3.16B-4.29B-641.64M-2.84B
Effective Tax Rate %27.08%13.85%-58.23%-293.44%28.83%12.85%-42.07%-3.8%-15.38%
Net Income
17.09B▲ 0%
16.58B▼ 3.0%
21.02B▲ 26.8%
15.84B▼ 24.7%
23.17B▲ 46.3%
21.22B▼ 8.4%
14.25B▼ 32.9%
17.25B▲ 21.1%
23.21B▲ 34.5%
Net Margin %10.25%11.51%13.31%12.09%14.71%8.86%5.6%6.91%6.78%
Net Income Growth %-4.5%-2.96%26.77%-24.67%46.32%-8.41%-32.85%21.06%34.51%
Net Income (Continuing)17.31B16.75B21.17B16.03B23.38B21.46B14.5B17.54B21.33B
EPS (Diluted)
3.19▲ 0%
1.55▼ 51.4%
2.11▲ 36.1%
1.48▼ 29.9%
1.97▲ 33.1%
1.99▲ 1.0%
1.34▼ 32.7%
1.63▲ 21.6%
2.19▲ 34.4%
EPS Growth %-4.49%-51.41%36.13%-29.86%33.11%1.02%-32.66%21.64%34.36%
EPS (Basic)3.191.552.111.481.971.991.341.632.19
Diluted Shares Outstanding5.36B10.69B10.69B10.69B11.74B10.66B10.64B10.61B10.58B

BBD Balance Sheet

Banco Bradesco S.A. (BBD) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments15.03B19.61B18.99B23.85B21.28B28.55B41.54B292.77B278.36B
Cash & Due from Banks15.03B19.61B18.99B23.85B21.28B28.55B171.84B168.36B160.84B
Short Term Investments000000160.82B124.41B117.52B
Total Investments0001.01T1.15T1.13T1.3T1.42T1.95T
Investments Growth %----13.31%-1.66%15.01%9.1%37.69%
Long-Term Investments0001.01T1.15T1.13T1.14T1.29T1.95T
Accounts Receivables000759.68M1.4B2.04B2.67B6.03B5.9B
Goodwill & Intangibles16.18B16.13B14.72B14.67B14.91B18.8B22.13B23.75B25.74B
Goodwill4.95B5.58B5.33B7.09B6.05B6.54B6.6B6.73B6.61B
Intangible Assets11.23B10.55B9.4B7.58B8.86B12.26B15.53B17.02B19.13B
PP&E (Net)8.43B8.83B14.66B14.07B13.51B11.97B11.12B10.22B9.41B
Other Assets1.18T1.26T1.33T539.68B478.69B604.89B623.67B313.17B90.28B
Total Current Assets15.03B19.61B18.99B23.85B21.28B28.55B41.54B329.52B254.85B
Total Non-Current Assets1.21T1.29T1.36T1.58T1.65T1.76T1.89T1.74T2.07T
Total Assets
1.22T▲ 0%
1.31T▲ 6.6%
1.38T▲ 5.6%
1.6T▲ 16.4%
1.68T▲ 4.4%
1.79T▲ 7.0%
1.93T▲ 7.5%
2.07T▲ 7.4%
2.33T▲ 12.6%
Asset Growth %2.71%6.63%5.59%16.4%4.42%6.97%7.55%7.36%12.6%
Return on Assets (ROA)1.41%1.31%1.57%1.06%1.41%1.22%0.77%0.86%1.05%
Accounts Payable000000000
Total Debt158.91B200.11B200.66B181.72B284.55B338.99B359.49B689.53B798.39B
Net Debt143.88B180.49B181.67B157.88B263.27B310.44B187.64B521.17B637.55B
Long-Term Debt192.92B217.92B235.47B181.72B234.28B344.63B355.44B403.33B445.44B
Short-Term Debt00000222.69B272.4B283.05B349.7B
Other Liabilities912.89B962.61B1T1.28T419.2B1.28T1.45T553.73B541.77B
Total Current Liabilities5.99B6.72B3.11B6.01B3.04B7.88B8.84B938.67B1.16T
Total Non-Current Liabilities1.1T1.17T1.24T1.45T658.35B1.62T1.82T961.87B992.35B
Total Liabilities1.11T1.18T1.24T1.46T1.53T1.63T1.76T1.9T2.15T
Total Equity
117.69B▲ 0%
124.68B▲ 5.9%
135.54B▲ 8.7%
146.12B▲ 7.8%
150.23B▲ 2.8%
160.01B▲ 6.5%
167.01B▲ 4.4%
168.94B▲ 1.2%
178.95B▲ 5.9%
Equity Growth %11.58%5.93%8.72%7.8%2.81%6.51%4.38%1.15%5.92%
Equity / Assets (Capital Ratio)9.61%9.55%9.83%9.11%8.97%8.93%8.66%8.16%7.68%
Return on Equity (ROE)15.31%13.68%16.16%11.25%15.64%13.68%8.72%10.27%13.34%
Book Value per Share21.9611.6612.6813.6712.8015.0115.6915.9216.92
Tangible BV per Share18.9410.1511.3012.3011.5313.2513.6113.6814.49
Common Stock59.1B67.1B75.1B79.1B83.1B87.1B87.1B87.1B87.1B
Additional Paid-in Capital70.5M70.5M70.5M70.5M70.5M70.5M70.5M70.5M70.5M
Retained Earnings56.82B55.3B52.46B58.75B68.24B73.27B75.96B82.02B90.57B
Accumulated OCI1.85B2.24B7.91B8.14B-969.6M-682.31M79.93B-214.67M840.02M
Treasury Stock-440.51M-440.51M-440.51M-440.51M-666.7M-224.38M0-568.73M-168.63M
Preferred Stock000000000

BBD Cash Flow Statement

Banco Bradesco S.A. (BBD) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations35.55B-6.5B-19.45B142.43B-102B41.77B-177.63M-91.33B-310.78B
Operating CF Growth %-34.11%-118.28%-199.42%832.15%-171.61%140.95%-100.43%-51314.35%-240.29%
Net Income23.74B19.44B13.38B4.08B32.85B24.21B10.21B17.25B23.67B
Depreciation & Amortization4.57B4.81B5.87B5.92B5.77B5.66B6.52B6.73B7.06B
Deferred Taxes000000000
Other Non-Cash Items78.25B74.58B86.53B93.52B78.67B79.57B82.81B92.89B-100.9B
Working Capital Changes-71.01B-105.33B-125.23B38.92B-219.29B-67.68B-99.72B-208.2B-240.62B
Cash from Investing-18.23B-34.49B-15.33B20.46B-19.31B-17.78B83.61B-5.01B59.83B
Purchase of Investments-114.47B-174.21B-137.59B-103.67B-209.09B-234.53B-109.3B-158.37B0
Sale/Maturity of Investments86.98B125.66B117.39B108.43B174.67B174.31B153.62B133.17B0
Net Investment Activity-27.49B-48.55B-20.21B4.76B-34.42B-60.22B44.32B-25.2B0
Acquisitions0-442.12M6.89B-3.17B-183.17M-623.97M-84.77M-211.14M0
Other Investing11.16B19.95B3.31B23.14B19.7B52.48B41.32B22.7B64.85B
Cash from Financing-43.3B-5.6B-14.32B-36.41B-1.61B21.92B-23.06B117.88B236.53B
Dividends Paid0-6.48B-17.75B-1.43B-9.91B-3.66B-8.93B-6.54B-11.83B
Share Repurchases0000-666.7M-224.38M0-568.73M-222.62M
Stock Issued000000000
Net Stock Activity0000-666.7M-224.38M0-568.73M-222.62M
Debt Issuance (Net)-1000K1000K1000K-1000K1000K1000K1000K1000K1000K
Other Financing-30.98B-17.04B-17.06B-10.15B-9.36B-14.75B-28.26B124.7B208.48B
Net Change in Cash
-25.18B▲ 0%
-45.83B▼ 82.0%
-48.35B▼ 5.5%
128.94B▲ 366.7%
-119.43B▼ 192.6%
46.8B▲ 139.2%
60.61B▲ 29.5%
21.23B▼ 65.0%
-14.51B▼ 168.3%
Exchange Rate Effect806.31M751.77M752.83M2.45B3.48B892.29M239.32M-305.23M-88.33M
Cash at Beginning181.23B156.05B110.23B61.88B190.82B71.39B126.19B186.79B208.02B
Cash at End156.05B110.23B61.88B190.82B71.39B118.18B186.79B208.02B193.52B
Interest Paid000000097.17B0
Income Taxes Paid000000000
Free Cash Flow
29.91B▲ 0%
-11.94B▼ 139.9%
-24.78B▼ 107.5%
138.17B▲ 657.6%
-106.41B▼ 177.0%
32.35B▲ 130.4%
-9.32B▼ 128.8%
-93.62B▼ 904.7%
-315.8B▼ 237.3%
FCF Growth %-38.75%-139.92%-107.53%657.59%-177.01%130.41%-128.8%-904.72%-237.31%

BBD Banking Ratios

Banco Bradesco S.A. (BBD) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)18.22%15.31%13.68%16.16%11.25%15.64%13.68%8.72%10.27%13.34%
Return on Assets (ROA)1.61%1.41%1.31%1.57%1.06%1.41%1.22%0.77%0.86%1.05%
Net Interest Margin4.75%4.14%5.12%4.77%4.44%4.96%3.9%2.86%3.26%3.08%
Efficiency Ratio26.21%30.33%37.67%46.47%45.5%38.22%24.15%22.75%24.76%35.73%
Equity / Assets8.85%9.61%9.55%9.83%9.11%8.97%8.93%8.66%8.16%7.68%
Book Value / Share19.6821.9611.6612.6813.6712.815.0115.6915.9216.92
NII Growth1.85%-10.62%31.92%-1.51%8.16%16.77%-15.99%-21.1%22.46%6.49%
Dividend Payout31.36%-39.43%84.44%9.04%42.79%17.23%62.65%37.92%50.99%

BBD Frequently Asked Questions

Banco Bradesco S.A. (BBD) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Banco Bradesco S.A. (BBD) grew revenue by 37.1% over the past year. This is strong growth.

Yes, Banco Bradesco S.A. (BBD) is profitable, generating $23.21B in net income for fiscal year 2025 (6.8% net margin).

Dividend & Returns

Yes, Banco Bradesco S.A. (BBD) pays a dividend with a yield of 5.87%. This makes it attractive for income-focused investors.

Banco Bradesco S.A. (BBD) has a return on equity (ROE) of 13.3%. This is reasonable for most industries.

Industry Metrics

Banco Bradesco S.A. (BBD) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.

Banco Bradesco S.A. (BBD) has an efficiency ratio of 35.7%. This is excellent, indicating strong cost control.

Explore More BBD

Banco Bradesco S.A. (BBD) financial analysis — history, returns, DCA and operating performance tools

Full BBD Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

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Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

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Valuation

DCF intrinsic value, peer multiples & estimates

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