Banco Bradesco SA (BREC) Stock Price & Analysis
BREC Stock Chart & Stats
- Day’s Range
- EUR 2.24 - EUR 2.26
- 52-Week Range
- EUR 2.16 - EUR 3.94
- Previous Close
- EUR 2.16
- Volume
- N/A
- Average Volume (3M)
- 1,209
- Market Cap
- EUR 24.36B
- Enterprise Value
- EUR 155.71B
- Total Cash (Recent Filing)
- EUR 152.73B
- Total Debt (Recent Filing)
- EUR 769.97B
- Price to Earnings (P/E)
- 5.2
- Beta
- 0.11
- Next Earnings
- Feb 10, 2027 (Est.)
- EPS Estimate
- 0.11
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 5.90%
Bulls Say, Bears Say
Bulls Say
Diversified Loan And Revenue Growth
Bradesco is expanding lending faster than the financial system while generating growth across net interest income, fees, and insurance. This diversified revenue base supports recurring earnings, broadens customer relationships, and reduces reliance on any single banking product over the next several quarters.
Stronger Capital Position
The completed capital increase and solid regulatory ratios strengthen Bradesco’s capacity to absorb credit losses while continuing to lend and invest. Greater capital support improves resilience through the credit cycle and gives management flexibility to pursue growth without relying solely on internal earnings.
Structural Digital And Efficiency Gains
Bradesco’s technology migration and AI adoption are operating at substantial scale, with automation handling most BIA interactions and management targeting further efficiency gains. These structural changes can lower servicing costs, improve customer access, and support sustainable operating leverage as digital usage expands.
Bears Say
Rising Credit Losses And NPLs
Higher delinquency and provision costs are directly reducing the benefit of revenue growth, particularly in personal loans, cards, agribusiness individuals, and guaranteed portfolios. If credit deterioration persists, earnings conversion and profitability may remain constrained even while the loan book continues expanding.
Meaningful Balance-sheet Leverage
Elevated leverage amplifies returns when credit and funding conditions are favorable but increases sensitivity to borrower stress, refinancing conditions, and changes in funding costs. This remains a material balance-sheet constraint that could limit flexibility during a weaker Brazilian credit cycle.
NIM And Provision Guidance Pressure
A shift toward lower-spread large-corporate lending is weighing on NIM, while provisions are limiting NII after credit costs. Management’s position near the low end of guidance indicates that portfolio mix and risk charges may continue to restrain earnings growth and margin recovery.
Banco Bradesco SA News
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Banco Bradesco SA Stock Smart Score
Company Description
Banco Bradesco SA
Banco Bradesco S.A., along with its affiliated entities, functions as a prominent financial institution delivering a broad spectrum of banking and financial services. These offerings cater to individual clients, corporate organizations, and various businesses, operating both within Brazil and across international markets. Its operations are structured around two core divisions: Banking and Insurance. Within its Banking division, it facilitates a range of deposit accounts, including checking, savings, and specialized options. It also offers diverse lending solutions, such as real estate financing, vehicle loans, payroll-deductible credit, mortgages, micro-financing, leasing arrangements, and various personal and installment loans. Additionally, the company issues debit and business cards, provides financial and security advisory services, and manages consortium products. Through its Insurance arm, Bradesco underwrites a comprehensive portfolio of policies covering areas like auto, personal accident, dental, travel, and life. Beyond these, its offerings extend to investment and pension products, real estate and vehicle auction services, cash management solutions for businesses, foreign trade and exchange operations, capitalization bonds, and extensive internet banking capabilities. Established in 1943, Banco Bradesco S.A. maintains its headquarters 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 SA (BREC) Earnings & Revenues
BREC Company Deck
BREC Earnings Call
Earnings Call SentimentPositive
The call was broadly positive. Bradesco reported strong loan growth, revenue expansion, capital ratios, treasury performance, insurance results and continued progress in digital transformation and efficiency. These positives were moderated by portfolio-mix pressure on NIM, rising NPLs, higher cost of credit, macroeconomic stress on retail borrowers, and NII net of provisions running in the lower end of guidance.
View all DE:BREC earnings summariesBREC Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 6 | 1 | 15 |
| Technical Analysis | 6 | 1 | 3 |
| Moving Averages | 0 | 0 | 12 |
