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Banco Bradesco (BBDO) AI Stock Analysis
Banco Bradesco
(NYSE:BBDO)
The score is supported most by attractive valuation (low P/E and high dividend yield) and a generally constructive earnings outlook with improved capital strength. These positives are tempered by middling financial quality due to leverage and historically volatile cash flow, and by weak technicals showing a pronounced downtrend across moving averages and momentum indicators.
Banco Bradesco (BBDO) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $27.27B
- Dividend Yield
- 6.07%
- Average Volume (3M)
- 117.39K
- Price to Earnings (P/E)
- 5.2
- Beta (1Y)
- 0.47
- Revenue Growth
- 29.04%
- EPS Growth
- 34.36%
- Country
- US
- Employees
- 82,095
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Banco Bradesco Business Overview & Revenue Model
Company Description
Banco Bradesco S.A., together with its subsidiaries, provides various banking products and services in Brazil and internationally. The company operates in two segments, Banking and Insurance. It engages in banking operations, including investment, na...
How the Company Makes Money
Bradesco generates revenue primarily by providing banking and financial services and earning fees for facilitating transactions and distributing financial products. A major source of revenue is net interest income: the bank earns interest and interes...
Banco Bradesco Earnings Call Summary
The call was broadly positive, characterized by double-digit loan and revenue growth, strong expansion in targeted secured and corporate portfolios, capital-strength improvement, resilient insurance and treasury contributions, and continued progress in digital transformation and efficiency. The main challenges were portfolio-mix pressure on NIM, higher credit costs and NPLs in specific portfolios, macroeconomic pressure, selected fee-income stagnation, and DCM market weakness. Management remained confident about fourth-quarter growth and the longer-term transformation plan.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Management said it will continue to grow NIM and that “in the fourth quarter, we'll see a higher NIM as well”; it expects “a higher” market in client NII in Q4 2026, while NII net of provisions has guidance of “BRL 42 billion-BRL 48 billion in the year,” is “in the lower range,” and has “a slightly better expectation for Q4 as regards our guidance.” Treasury is expected to be “around BRL 3 billion this year,” with “similar numbers in the fourth quarter,” and management said it is “still expecting about 40 points of efficiency” over “the next two to three years.” For FGI and FGO, management said the curve will “probably” decline “in the second quarter or in the third quarter,” while it will continue to grow its loan portfolio where it has risk appetite and “will continue to grow liability, we will grow fee and commissions.”
Banco Bradesco Financial Statement Overview
Summary
Recent profitability and revenue momentum are constructive (TTM net margin ~7% and revenue up ~7%), but overall stability is held back by consistently high leverage (debt-to-equity ~2.4x) and notably volatile cash generation despite positive TTM free cash flow.
Income Statement
68PositiveBalance Sheet
56NeutralCash Flow
45Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 351.47B | 311.66B | 249.61B | 254.71B | 239.65B | 157.55B |
| Gross Profit | 96.08B | 89.14B | 78.69B | 68.16B | 82.50B | 93.07B |
| EBITDA | 203.86B | 28.09B | 23.63B | 16.73B | 30.28B | 38.63B |
| Net Income | 26.15B | 23.67B | 17.25B | 14.25B | 21.22B | 23.17B |
Balance Sheet | ||||||
| Total Assets | 2.53T | 2.33T | 2.07T | 1.93T | 1.79T | 1.68T |
| Cash, Cash Equivalents and Short-Term Investments | 152.73B | 254.98B | 476.88B | 522.98B | 367.61B | 394.23B |
| Total Debt | 769.97B | 793.84B | 689.53B | 631.89B | 571.92B | 238.94B |
| Total Liabilities | 2.33T | 2.15T | 1.90T | 1.76T | 1.63T | 1.53T |
| Stockholders Equity | 196.89B | 178.42B | 168.41B | 166.33B | 159.53B | 149.78B |
Cash Flow | ||||||
| Free Cash Flow | 98.34B | 258.03B | -93.62B | -9.32B | 40.36B | -106.41B |
| Operating Cash Flow | 103.03B | 263.05B | -91.33B | -177.63M | 49.77B | -102.00B |
| Investing Cash Flow | -271.75B | -437.05B | -5.01B | 83.61B | -17.78B | -19.31B |
| Financing Cash Flow | 220.05B | 161.17B | 117.88B | -23.06B | 21.92B | -1.61B |
Banco Bradesco Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BBDO, the sentiment is Negative. The current price of 2.37 is below the 20-day moving average (MA) of 3.23, below the 50-day MA of 3.19, and below the 200-day MA of 3.19, indicating a bearish trend. The MACD of -0.26 indicates Positive momentum. The RSI at 30.08 is Neutral, neither overbought nor oversold. The STOCH value of 5.35 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BBDO.
Banco Bradesco Risk Analysis
Banco Bradesco disclosed 42 risk factors in its most recent earnings report. Banco Bradesco reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
3 New RisksBanco Bradesco Peers Comparison
Overall Rating
CIB75Outperform
BCH71Outperform
BSAC64Neutral- BBDO61Neutral
BSBR57Neutral
GGAL51Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| CIB | 75Outperform | $24.56B | 9.18 | 19.85% | 4.25% | 7.13% | -22.31% |
| BCH | 71Outperform | $19.82B | 15.79 | 21.27% | 5.65% | 3.85% | 3.99% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BSAC | 64Neutral | $15.46B | 13.61 | 22.03% | 4.58% | 17.78% | 9.86% |
| BBDO | 61Neutral | $27.31B | 5.22 | 14.24% | 6.07% | 29.04% | 34.36% |
| BSBR | 57Neutral | $17.58B | 31.63 | 10.09% | 3.12% | 18.27% | 16.65% |
| GGAL | 51Neutral | $5.37B | 46.17 | 2.13% | 5.53% | 3.21% | -89.45% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BBDO | Banco Bradesco S.A. | 2.37 | -0.58 | -19.74% | |
| BCH | Banco De Chile | 38.75 | 3.86 | 11.07% | |
| BSBR | Banco Santander Brasil SA | 4.73 | -1.04 | -17.97% | |
| BSAC | Banco Santander-Chile | 32.33 | 3.67 | 12.82% | |
| CIB | Grupo Cibest S.A. | 92.22 | 32.55 | 54.56% | |
| GGAL | Grupo Financiero Galicia | 29.90 | -23.77 | -44.28% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 29, 2026