The Motley Fool·Oct 26, 2026
Bradesco: 3 Key Takeaways for Long-Term InvestorsThe expanded loan portfolio grew 11.1% year over year. Large corporate loans grew by over 50 billion Brazilian reais.
Banco Bradesco's earnings recovery—evidenced by 2026Q3 EPS growth of 40.4% and an efficiency ratio improvement to 51.6% from 65.3% two years prior—suggests the modernization program is taking hold, while the dividend yield of 5.5% offers downside support.
Price trend, volume and key moving averages
Start with the evidence for owning the stock and the risks that can break the thesis.
Revenue momentum is mixed: NII recovered 17.9% year-over-year to $18.9B in 2026Q3 and efficiency improved to 51.6%, but NIM compression to 0.7% from 1.1% and provisions climbing to $8.5B from $3.1B indicate the spread squeeze and retail credit stress are offsetting fee income at 41.5% of revenue.
Banco Bradesco is projected to grow earnings by 16.22% next year, rising from $0.37 to $0.43 per share. In 2025, revenue increased 13.16% YoY while earnings jumped 37.21%, and recurring net income in Q4 2025 grew 26.1% YoY.
The stock trades at a P/E of 9.1x versus a peer average of 15.5x and a market average of 43.66x. Its PEG ratio is 0.48 and P/B is 1.33, with analysts suggesting a 25% upside if the P/B expands to 1.5x.
BBD is trading more than 20% below its future cash flow value, indicating a significant discount to intrinsic value.
Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Oct 22, 2026 | $0.12-7.7% vs $0.13 | $7.0B-6.9% vs $7.5B |
Q3 2026 Aug 5, 2026 | $0.13+0.0% vs $0.13 | $7.4B+2.0% vs $7.2B |
Q2 2026 May 6, 2026 | $0.12+0.0% vs $0.12 | $7.5B+6.2% vs $7.1B |
Q1 2026 Feb 5, 2026 | $0.11+0.0% vs $0.11 | $6.9B+5.1% vs $6.6B |
The expanded loan portfolio grew 11.1% year over year. Large corporate loans grew by over 50 billion Brazilian reais.
Shares of Brazilian companies tumbled Monday following the surprise re-election of President Luiz Inácio Lula da Silva.
Banco Bradesco S.A. ( BBD ) Q3 2026 Earnings Call October 23, 2026 9:30 AM EDT Company Participants Marcelo de Noronha - CEO & Member of Executive Board Andre Carvalho - Investor Relations Director Cassiano Scarpelli - CFO, Executive VP of Director & Member of Executive Board Conference Call Participants Daniel Vaz - J.
Banco Bradesco NYSE: BBD said it completed a BRL 10 billion capital increase and reported continued loan growth, higher revenue across several business lines and progress in its operating-efficiency and digital-transformation initiatives during its third-quarter earnings call.
Benchmark BBD against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Banco Bradesco S.A. (BBD)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $2.54 | $26.86B | 5.64 | 11.85% | 20.41% | 14.13% | 8.01% | |
| $7.39 | $81.45B | 9.39 | 4.21% | 25.77% | 21.15% | 10.42% | |
| $4.64 | $34.74B | 14.92 | -3.79% | 26.65% | 9.95% | 3.41% | |
| $2.79 | $43.51B | 15.07 | -1.35% | 17.69% | 17.5% | 8.51% | |
| $4.38 | $8.66B | 17.50 | 4.23% | 3.86% | 5.04% | 2.65% | |
| $0.85 | $1.13B | -2.36 | 0.53% | -5.84% | -21.1% | 10.99% |
Banco Bradesco S.A. (BBD) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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Banco Bradesco S.A. (BBD) stock FAQ — growth, dividends, profitability & financials explained
Banco Bradesco S.A. (BBD) grew revenue by 8.4% over the trailing twelve months, compared with the twelve months before.
Yes. Banco Bradesco S.A. (BBD) earned $26.15B in net income over the trailing twelve months (a 20.4% net margin).
Yes. Banco Bradesco S.A. (BBD) pays a dividend that yields 8.01% at the current price, a high yield.
Banco Bradesco S.A. (BBD) had a return on equity (ROE) of 14.1% over the trailing twelve months. That is in line with the market's typical 10-15%.
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 57.8%. This is reasonable for a bank.
