Banco Bradesco SA (0HL8) AI Stock Analysis

Banco Bradesco SA

(LSE:0HL8)

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Positive Factors

Growing EarningsBradesco is demonstrating improving earnings scale, with revenue growth accompanied by higher net income rather than expansion driven solely by costs or balance-sheet growth. This supports durable earnings power and provides resources to reinvest in technology, distribution and future loan growth.

Negative Factors

Elevated LeverageBradesco’s elevated leverage can amplify returns in favorable conditions but also increases sensitivity to credit losses, funding costs and economic stress. Although leverage has improved from 2024–2025, the balance sheet remains exposed to a more difficult credit cycle or tighter funding environment.

Banco Bradesco SA (0HL8) vs. iShares MSCI United Kingdom ETF (EWC)

Market Cap: $28.50B
Dividend Yield: 12.13%
Average Volume (3M): 50.36K
Price to Earnings (P/E): 5.2
Beta (1Y): 0.63
Revenue Growth: 29.04%
EPS Growth: 34.36%
Country: UK
Employees: 82,095
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Banco Bradesco SA Business Overview & Revenue Model

Company Description

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 b...

Banco Bradesco SA Earnings Call Summary

Earnings Call Date:Oct 21, 2026(Q3-2026)|% Change Since:-35.86%|Next Earnings Date:Feb 09, 2027

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.

Positive Updates

BRL 10 Billion Capital Increase Completed

Bradesco completed a capital increase of BRL 10 billion, which management said leaves the bank solid to continue investing.

Negative Updates

NIM Was Pressured by Portfolio Mix

Management explained that the increase in large-corporate lending, which carries a lower weighted average NII, reduced reported NIM. Excluding the large-corporate mix effect, management said NIM would have been approximately 9.3% rather than 9.0%, and later referenced potential levels of 8.9% to 8.8% depending on the mix.

Company Guidance

Management said it will continue to grow NIM and expects a higher NIM in the fourth quarter, with market and client NII higher in Q4 2026; it gave guidance of BRL 42 billion-BRL 48 billion for NII net of provisions in the year, said it is in the lower range and within expected, expects treasury to be around BRL 3 billion this year and to post similar numbers in the fourth quarter, and said it is still expecting about 40 points of efficiency over the next two to three years. It said the FGI and FGO curve will probably decline in the second quarter or in the third quarter, that the macroeconomic environment may improve more towards the end of 2027 and 2028, that technology delivery capacity will grow four times, fourfold, and that Bridge cases grew to over 1,000; it also said there were 93 offices with more than 500,000 clients in September and there will be more in December, Prime had 4.7 million clients by the end of December, and the bank had 45 million clients already migrated, with more than 15 million interactions with BIA, 90% of cases answered by BIA, and 10% to 12% of contacts migrated to a human agent.

Banco Bradesco SA Risk Analysis

Banco Bradesco SA disclosed 42 risk factors in its most recent earnings report. Banco Bradesco SA reported the most risks in the "Finance & Corporate" category.

Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

3 New Risks

1.3.D.40.03 The relative volatility and low liquidity of the Brazilian securities markets may substantially limit your ability to sell shares underlying the preferred share ADSs and common share ADSs at the price and time you desire.Q4, 2019

2.3.D.40.02 Under Brazilian Corporate Law, holders of preferred shares have limited voting rights, accordingly, holders of preferred share ADSs will have similar limitations on their ability to vote.Q4, 2019

3.3.D.40.01 The Deposit Agreements governing the preferred share ADSs and common share ADSs provide that holders of such ADSs will only receive voting instructions if we authorize the depositary bank to contact those holders to obtain voting instructions; and there are also practical limitations on any ability to vote we may give such holders.Q4, 2019

Banco Bradesco SA Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

GB:0HL8 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BSAC	73Outperform	$14.49B	13.14	22.03%	4.85%	7.69%	9.88%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BCH	67Neutral	$18.62B	15.24	21.27%	5.99%	3.94%	3.40%
BMA	66Neutral	$4.54B	14.99	7.73%	8.10%	4.03%	-24.70%
BBAR	60Neutral	$2.56B	13.29	8.15%	3.87%	5.91%	-32.85%
BSBR	57Neutral	$16.50B	29.20	10.09%	3.35%	18.27%	16.65%

* Financial Sector Average

Performance Comparison

GB:0HL8 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
GB:0HL8	Banco Bradesco	2.57	-0.67	-20.73%
BCH	Banco De Chile	36.55	1.83	5.26%
BMA	Banco Macro	60.15	-26.77	-30.80%
BSBR	Banco Santander Brasil SA	4.41	-1.18	-21.17%
BSAC	Banco Santander-Chile	30.53	2.57	9.18%
BBAR	Banco Bbva Argentina	11.61	-5.19	-30.87%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

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.

Banco Bradesco SA AI Stock Analysis