Banco Bradesco (BREA) Stock Price & Analysis
BREA Stock Chart & Stats
- Day’s Range
- EUR 2.12 - EUR 2.12
- 52-Week Range
- EUR 2.12 - EUR 3.52
- Previous Close
- EUR 2.22
- Volume
- N/A
- Average Volume (3M)
- 217
- Market Cap
- EUR 24.44B
- Enterprise Value
- EUR 151.06B
- Total Cash (Recent Filing)
- EUR 152.73B
- Total Debt (Recent Filing)
- EUR 769.97B
- Price to Earnings (P/E)
- 5.2
- Beta
- 0.17
- Next Earnings
- Feb 10, 2027 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 11.96%
Bulls Say, Bears Say
Bulls Say
Capital Strength
The completed capital increase and stronger CET1 ratio improve Bradesco’s capacity to absorb credit losses while continuing to invest in growth, technology, and distribution. A better-capitalized balance sheet also supports regulatory resilience and gives management more flexibility to expand lending in targeted segments.
Loan Portfolio Growth
Double-digit loan growth combined with market-share gains indicates improving competitive traction across the bank’s lending franchise. Expansion in areas where management has risk appetite can support recurring interest income and deepen client relationships, provided credit performance remains controlled.
Structural Efficiency
The efficiency program is described as structural rather than one-off, with benefits from footprint optimization, contract renegotiation, technology licenses, AI agents, and improved processing. Sustained productivity gains could support operating leverage and help protect profitability through changing credit and interest-rate conditions.
Bears Say
Rising Credit Risk
Higher non-performing loans and continued pressure on cost of risk can reduce earnings quality by requiring larger provisions and weakening the contribution of lending growth. The risk is particularly material because management expects credit conditions to remain difficult before improvement later in 2027 or 2028.
Net Interest Margin Pressure
A shift toward large-corporate lending is diluting net interest margin relative to the prior portfolio mix, limiting how much loan growth converts into net interest income. Persistent mix pressure could constrain profitability unless higher-margin products, funding benefits, or efficiency gains offset the dilution.
High Leverage
Although leverage has improved, debt-to-equity remains high and the balance sheet carries a large absolute debt load. This structure can amplify earnings sensitivity to credit and market conditions, while limiting financial flexibility if provisions rise or funding conditions become less favorable.
Banco Bradesco News
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Banco Bradesco Stock Smart Score
Company Description
Banco Bradesco
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, national, international, and private banking, as well as investment fund management, consortium administration, middle market and corporate activities, and leasing. The company also provides retail banking products, such as demand, savings, and time deposits, as well as mutual funds, foreign exchange services, and various loans and advances comprising overdrafts, credit cards, and loans with repayments in installments; and fund management and treasury services, corporate finance, and hedge and finance operations, which include working capital financing. In addition, it provides insurance products, such as life, pension, health, and non-life, as well as related insurance operations, supplemental pension plans, and capitalization bonds. Further, the company offers cards, consortia, service packages and fees, auctions, debt renegotiation, and accounts; and various services comprising related transactions and inquiries, profile and help, purchases and benefits, and permissions. It serves individuals, corporates, and businesses. The company was incorporated in 1943 and is headquartered in Osasco, Brazil.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Marcelo de Araujo Noronha
- Employees
- 82,095
- Website
- banco.bradesco
- Address
- Cidade De Deus, S/N, Osasco, SP, 06029-900, BR
Banco Bradesco (BREA) Earnings & Revenues
BREA Company Deck
BREA Earnings Call
Earnings Call SentimentPositive
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.
View all DE:BREA earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 5 | 2 | 15 |
| Technical Analysis | 5 | 2 | 3 |
| Moving Averages | 0 | 0 | 12 |
