Banco Bradesco S.A. (BBD) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Banco Bradesco S.A. (BBD) stock price & volume — 10-year historical chart
Banco Bradesco S.A. (BBD) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Banco Bradesco S.A. (BBD) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | 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% |
| Q3 2025 | Jul 30, 2025 | $0.10vs $0.10+0.0% | $14.1Bvs $6.1B+131.5% |
Banco Bradesco S.A. (BBD) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison
Banco Bradesco S.A. (BBD) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Banco Bradesco S.A. (BBD) annual income statement — 10-year revenue, gross profit & net income history
| Line item | 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 |
Banco Bradesco S.A. (BBD) balance sheet — assets, liabilities & shareholders' equity
| Line item | 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 | 1.95T |
| Investments Growth % | - | - | - | - | 13.31% | -1.66% | 15.01% | 9.1% | 37.69% |
| Long-Term Investments | 0 | 0 | 0 | 1.01T | 1.15T | 1.13T | 1.14T | 1.29T | 1.95T |
| 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 | 90.28B |
| Total Current Assets | 15.03B | 19.61B | 18.99B | 23.85B | 21.28B | 28.55B | 41.54B | 329.52B | 254.85B |
| Total Non-Current Assets | 1.21T | 1.29T | 1.36T | 1.58T | 1.65T | 1.76T | 1.89T | 1.74T | 2.07T |
| 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 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 | 90.57B |
| Accumulated OCI | 1.85B | 2.24B | 7.91B | 8.14B | -969.6M | -682.31M | 79.93B | -214.67M | 840.02M |
| 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 |
Banco Bradesco S.A. (BBD) cash flow — operating, investing & free cash flow history
| Line item | 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% |
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% |
Banco Bradesco S.A. (BBD) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.
Banco Bradesco S.A. (BBD) financial analysis — history, returns, DCA and operating performance tools
Analyst verdict, bull/bear case, risk factors and peer comparison
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates