Banco Bradesco SA stock analysis
Banco Bradesco SA (0HL8) Share Price & Analysis
0HL8 Stock Chart & Stats
- Day’s Range
- $2.57 - $2.68
- 52-Week Range
- $2.44 - $4.89
- Previous Close
- $2.59
- Volume
- N/A
- Average Volume (3M)
- 103.94K
- Market Cap
- $27.86B
- Enterprise Value
- $155.71B
- Total Cash (Recent Filing)
- $152.73B
- Total Debt (Recent Filing)
- $769.97B
- Price to Earnings (P/E)
- 5.5
- Beta
- 0.58
- Next Earnings
- Feb 10, 2027 (Est.)
- EPS Estimate
- 0.12
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 5.75%
Bulls Say, Bears Say
Bulls Say
Diversified Loan Growth
Broad-based loan expansion across corporate, payroll, vehicle, mortgage, and secured segments supports recurring interest income and reinforces Bradesco’s market position. Growth exceeding the financial system indicates improving commercial traction and creates a durable foundation for future fee and relationship revenue.
Structural Digital And Efficiency Gains
The combination of digital migration, AI-assisted service, footprint adjustments, and technology productivity can lower servicing costs while expanding capacity. Because management describes the efficiency gains as structural, these initiatives could support sustainable operating leverage and improve competitiveness over multiple quarters.
Strengthened Capital Position
The completed capital increase and solid regulatory capital ratios improve Bradesco’s ability to absorb credit losses and continue investing through the cycle. Greater capital capacity also supports loan growth, technology spending, and strategic flexibility without relying solely on internally generated capital.
Bears Say
Rising Credit-risk Pressure
Higher delinquency and provision pressure can reduce earnings conversion even when revenue and loans grow. Exposure to stressed retail borrowers and FGI/FGO portfolios may keep credit costs elevated, constrain risk appetite, and make profitability more sensitive to Brazil’s economic and repayment cycle.
Elevated Balance-sheet Leverage
High leverage can amplify returns, but it also leaves the bank more exposed to funding conditions, credit deterioration, and balance-sheet shocks. Although leverage improved from 2024–2025, the remaining level limits flexibility and can magnify the effect of weaker asset quality on capital and earnings.
Uneven Cash-flow Consistency And Margin Pressure
Current cash generation is healthy, but prior sharp swings and the recent year-over-year decline reduce confidence in consistent cash conversion. At the same time, lower-yield corporate mix and provisions pressure NIM and earnings quality, potentially limiting durable margin expansion despite loan growth.
Banco Bradesco SA News
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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 (0HL8) Earnings & Revenues
0HL8 Company Deck
0HL8 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 GB:0HL8 earnings summaries0HL8 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 6 | 4 | 12 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 2 | 0 | 10 |












