Banco Bradesco S.A.(BBD)Earnings, Financials & Key Ratios
BBD•NYSE•Banking & Credit
7.9× P/E·Price updated Jun 19, 2026
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%
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
- ✓Trading at only 1.0x 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.
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BBD Price & Volume
Banco Bradesco S.A. (BBD) stock price & volume — 10-year historical chart
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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
●Beat EPS 1/12 qtrs (9%)●Beat Revenue 9/12 qtrs (90%)
Q2 2026Latest
May 6, 2026Metric
Actual
Est
EPS
$0.12+0.0%
$0.12
Rev
$7.5B+6.2%
$7.1B
Q1 2026
Feb 6, 2026Metric
Actual
Est
EPS
$0.11+0.0%
$0.11
Rev
$6.9B+5.1%
$6.6B
Q1 2026
Feb 5, 2026Metric
Actual
Est
EPS
$0.11+0.0%
$0.11
Rev
$6.9B+5.1%
$6.6B
Q4 2025
Oct 29, 2025Metric
Actual
Est
EPS
$0.09-18.2%
$0.11
Rev
$15.1B+126.2%
$6.7B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 6, 2026 | $0.12vs $0.12+0.0% | $7.5Bvs $7.1B+6.2% |
| Q1 2026 | Feb 6, 2026 | $0.11vs $0.11+0.0% | $6.9Bvs $6.6B+5.1% |
| Q1 2026 | Feb 5, 2026 | $0.11vs $0.11+0.0% | $6.9Bvs $6.6B+5.1% |
| Q4 2025 | Oct 29, 2025 | $0.09vs $0.11-18.2% | $15.1Bvs $6.7B+126.2% |
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
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 ITUB | 85.86B | 7.79 | 10.15 | 18.03% | 11.66% | 20.64% | 4.71 | |
 BSBR | 38.95B | 5.20 | 16.33 | 17.45% | 8.04% | 10.21% | 1.03 | |
 ABEV | 48.73B | 3.12 | 16.14 | -1.35% | 17.66% | 17.05% | 0.06 | |
 GGB | 8.36B | 4.17 | 30.94 | 4.23% | 1.99% | 2.52% | 0.29 | |
 SID | 1.37B | 1.03 | -3.56 | 0.53% | -4.51% | -15.32% | 3.43 | |
 BAC | 424.14B | 56.20 | 14.71 | -0.45% | 15.93% | 10.15% | 1.21 | |
 C | 266.52B | 143.09 | 20.47 | -1.41% | 8.48% | 6.67% | 3.35 | |
 SAN | 198.16B | 13.50 | 13.48 | -7.71% | 18.79% | 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.
BBD Income Statement
Banco Bradesco S.A. (BBD) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 50.64B | 66.81B | 65.8B | 71.17B | 83.1B | 69.81B | 55.08B | 67.45B | 71.83B |
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 Income | 126.23B | 122.05B | 124.42B | 119.74B | 138.22B | 200.61B | 211.46B | 211.73B | 261.87B |
Interest Expense | 75.59B | 55.24B | 58.62B | 48.58B | 55.12B | 130.8B | 156.38B | 144.28B | 190.04B |
Loan Loss Provision | 16.86B | 15.09B | 12.53B | 18.71B | 9.36B | 26.35B | 30.18B | 26.64B | 33.76B |
Non-Interest Income | 40.55B | 21.98B | 33.48B | 11.2B | 19.33B | 39.04B | 43.25B | 37.88B | 80.36B |
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 Expense | 50.59B | 54.26B | 73.37B | 59.58B | 60.22B | 57.88B | 57.95B | 61.79B | 122.27B |
Efficiency Ratio | 30.33% | 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 Tax | 6.43B | 2.69B | -7.79B | -11.96B | 9.47B | 3.16B | -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) | 17.31B | 16.75B | 21.17B | 16.03B | 23.38B | 21.46B | 14.5B | 17.54B | 21.33B |
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) | 3.19 | 1.55 | 2.11 | 1.48 | 1.97 | 1.99 | 1.34 | 1.63 | 2.19 |
Diluted Shares Outstanding | 5.36B | 10.69B | 10.69B | 10.69B | 11.74B | 10.66B | 10.64B | 10.61B | 10.58B |
BBD Balance Sheet
Banco Bradesco S.A. (BBD) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 15.03B | 19.61B | 18.99B | 23.85B | 21.28B | 28.55B | 41.54B | 292.77B | 278.36B |
Cash & Due from Banks | 15.03B | 19.61B | 18.99B | 23.85B | 21.28B | 28.55B | 171.84B | 168.36B | 160.84B |
Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 160.82B | 124.41B | 117.52B |
Total Investments | 0 | 0 | 0 | 1.01T | 1.15T | 1.13T | 1.3T | 1.42T | 1.6T |
Investments Growth % | - | - | - | - | 13.31% | -1.66% | 15.01% | 9.1% | 12.71% |
Long-Term Investments | 0 | 0 | 0 | 1.01T | 1.15T | 1.13T | 1.14T | 1.29T | 1.48T |
Accounts Receivables | 0 | 0 | 0 | 759.68M | 1.4B | 2.04B | 2.67B | 6.03B | 5.9B |
Goodwill & Intangibles | 16.18B | 16.13B | 14.72B | 14.67B | 14.91B | 18.8B | 22.13B | 23.75B | 25.74B |
Goodwill | 4.95B | 5.58B | 5.33B | 7.09B | 6.05B | 6.54B | 6.6B | 6.73B | 6.61B |
Intangible Assets | 11.23B | 10.55B | 9.4B | 7.58B | 8.86B | 12.26B | 15.53B | 17.02B | 19.13B |
PP&E (Net) | 8.43B | 8.83B | 14.66B | 14.07B | 13.51B | 11.97B | 11.12B | 10.22B | 9.41B |
Other Assets | 1.18T | 1.26T | 1.33T | 539.68B | 478.69B | 604.89B | 623.67B | 313.17B | 416.79B |
Total Current Assets | 15.03B | 19.61B | 18.99B | 23.85B | 21.28B | 28.55B | 41.54B | 329.52B | 289.34B |
Total Non-Current Assets | 1.21T | 1.29T | 1.36T | 1.58T | 1.65T | 1.76T | 1.89T | 1.74T | 2.04T |
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 Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 158.91B | 200.11B | 200.66B | 181.72B | 284.55B | 338.99B | 359.49B | 689.53B | 798.39B |
Net Debt | 143.88B | 180.49B | 181.67B | 157.88B | 263.27B | 310.44B | 187.64B | 521.17B | 637.55B |
Long-Term Debt | 192.92B | 217.92B | 235.47B | 181.72B | 234.28B | 344.63B | 355.44B | 403.33B | 445.44B |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 222.69B | 272.4B | 283.05B | 349.7B |
Other Liabilities | 912.89B | 962.61B | 1T | 1.28T | 419.2B | 1.28T | 1.45T | 553.73B | 541.77B |
Total Current Liabilities | 5.99B | 6.72B | 3.11B | 6.01B | 3.04B | 7.88B | 8.84B | 938.67B | 1.16T |
Total Non-Current Liabilities | 1.1T | 1.17T | 1.24T | 1.45T | 658.35B | 1.62T | 1.82T | 961.87B | 992.35B |
Total Liabilities | 1.11T | 1.18T | 1.24T | 1.46T | 1.53T | 1.63T | 1.76T | 1.9T | 2.15T |
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 Share | 21.96 | 11.66 | 12.68 | 13.67 | 12.80 | 15.01 | 15.69 | 15.92 | 16.92 |
Tangible BV per Share | 18.94 | 10.15 | 11.30 | 12.30 | 11.53 | 13.25 | 13.61 | 13.68 | 14.49 |
Common Stock | 59.1B | 67.1B | 75.1B | 79.1B | 83.1B | 87.1B | 87.1B | 87.1B | 87.1B |
Additional Paid-in Capital | 70.5M | 70.5M | 70.5M | 70.5M | 70.5M | 70.5M | 70.5M | 70.5M | 70.5M |
Retained Earnings | 56.82B | 55.3B | 52.46B | 58.75B | 68.24B | 73.27B | 75.96B | 82.02B | -70.83M |
Accumulated OCI | 1.85B | 2.24B | 7.91B | 8.14B | -969.6M | -682.31M | 79.93B | -214.67M | 91.48B |
Treasury Stock | -440.51M | -440.51M | -440.51M | -440.51M | -666.7M | -224.38M | 0 | -568.73M | -168.63M |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
BBD Cash Flow Statement
Banco Bradesco S.A. (BBD) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 35.55B | -6.5B | -19.45B | 142.43B | -102B | 41.77B | -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 Income | 23.74B | 19.44B | 13.38B | 4.08B | 32.85B | 24.21B | 10.21B | 17.25B | 23.67B |
Depreciation & Amortization | 4.57B | 4.81B | 5.87B | 5.92B | 5.77B | 5.66B | 6.52B | 6.73B | 7.06B |
Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Non-Cash Items | 78.25B | 74.58B | 86.53B | 93.52B | 78.67B | 79.57B | 82.81B | 92.89B | -100.9B |
Working Capital Changes | -71.01B | -105.33B | -125.23B | 38.92B | -219.29B | -67.68B | -99.72B | -208.2B | -240.62B |
Cash from Investing | -18.23B | -34.49B | -15.33B | 20.46B | -19.31B | -17.78B | 83.61B | -5.01B | 59.83B |
Purchase of Investments | -114.47B | -174.21B | -137.59B | -103.67B | -209.09B | -234.53B | -109.3B | -158.37B | 0 |
Sale/Maturity of Investments | 86.98B | 125.66B | 117.39B | 108.43B | 174.67B | 174.31B | 153.62B | 133.17B | 0 |
Net Investment Activity | -27.49B | -48.55B | -20.21B | 4.76B | -34.42B | -60.22B | 44.32B | -25.2B | 0 |
Acquisitions | 0 | -442.12M | 6.89B | -3.17B | -183.17M | -623.97M | -84.77M | -211.14M | 0 |
Other Investing | 11.16B | 19.95B | 3.31B | 23.14B | 19.7B | 52.48B | 41.32B | 22.7B | 64.85B |
Cash from Financing | -43.3B | -5.6B | -14.32B | -36.41B | -1.61B | 21.92B | -23.06B | 117.88B | 236.53B |
Dividends Paid | 0 | -6.48B | -17.75B | -1.43B | -9.91B | -3.66B | -8.93B | -6.54B | -11.83B |
Share Repurchases | 0 | 0 | 0 | 0 | -666.7M | -224.38M | 0 | -568.73M | -222.62M |
Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | 0 | 0 | 0 | 0 | -666.7M | -224.38M | 0 | -568.73M | -222.62M |
Debt Issuance (Net) | -1000K | 1000K | 1000K | -1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
Other Financing | -30.98B | -17.04B | -17.06B | -10.15B | -9.36B | -14.75B | -28.26B | 124.7B | 208.48B |
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 Effect | 806.31M | 751.77M | 752.83M | 2.45B | 3.48B | 892.29M | 239.32M | -305.23M | -88.33M |
Cash at Beginning | 181.23B | 156.05B | 110.23B | 61.88B | 190.82B | 71.39B | 126.19B | 186.79B | 208.02B |
Cash at End | 156.05B | 110.23B | 61.88B | 190.82B | 71.39B | 118.18B | 186.79B | 208.02B | 193.52B |
Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 97.17B | 0 |
Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
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
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
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 Margin | 4.75% | 4.14% | 5.12% | 4.77% | 4.44% | 4.96% | 3.9% | 2.86% | 3.26% | 3.08% |
Efficiency Ratio | 26.21% | 30.33% | 37.67% | 46.47% | 45.5% | 38.22% | 24.15% | 22.75% | 24.76% | 35.73% |
Equity / Assets | 8.85% | 9.61% | 9.55% | 9.83% | 9.11% | 8.97% | 8.93% | 8.66% | 8.16% | 7.68% |
Book Value / Share | 19.68 | 21.96 | 11.66 | 12.68 | 13.67 | 12.8 | 15.01 | 15.69 | 15.92 | 16.92 |
NII Growth | 1.85% | -10.62% | 31.92% | -1.51% | 8.16% | 16.77% | -15.99% | -21.1% | 22.46% | 6.49% |
Dividend Payout | 31.36% | - | 39.43% | 84.44% | 9.04% | 42.79% | 17.23% | 62.65% | 37.92% | 50.99% |
Related:BBD Dividend History·BBD Revenue History·BBD Price History·BBD P/E History·BBD Financial Ratios·BBD Institutional Holders
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 6.50%. 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.