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Banco Bradesco SA

BBD Financial Banks Regional

Banco Bradesco SA’s revenue for fiscal 2025 (year ended December 2025) was $55.4 billion, up 18.8% from fiscal 2024.

Revenue
+16.7%
EPS
+44.4%
Free cash flow
+1,455.1%
Total debt
+415.5%

Quarter to September 2026, against a year earlier

2.52 0.05 −1.95%
Market cap
$14.0B
P/E
5.5×
Fwd P/E
5.2×
Dividend yield
9.45%
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 102.49
Sold, $m 5.97
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — 1 1 2 24 — —
Sell — — — — — 2 1 — 2 4 — —
Insider Ownership 47.22%

Capital & Financial Ratios $m

Size
Market Cap 14,000.00
Revenue ttm 66,837.25
Net income ttm 5,392.36
Free cash flow ttm 8,825.41
Net debt Q (86,314.90)
Valuation
P/E 5.48
Forward P/E 5.21
Price / sales 0.40
Forward P/S Powerpack
Price / FCF 3.02
Price / book 0.70
Financial health
Current ratio Q 1.72
Debt / equity Q 2.78
Interest coverage Q —
Growth
Revenue growth Q +16.65% (above 0%: growing)
Operating income growth Q +65.10% (above 0%: growing)
EPS, this year +8.48%
EPS, next year A +5.31%
Revenue, next year A −31.55% (below 0%: weak)
EPS, past 5 yrs +5.61%
EPS, next 5 yrs A +8.18%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 1.10%
10-year low 10-year high
P/S against its own 10 years 1.06%
10-year low 10-year high
P/B against its own 10 years 5.72%
10-year low 10-year high

Dividends

Yield
9.45%
Annual rate
0.24
Payout ratio
51.8%
Growth, 2017–25
+50.8%/yr
  1. 0.01 ’17
  2. 0.17 ’18 +1597
  3. 0.16 ’19 −8
  4. 0.10 ’20 −36
  5. 0.03 ’21 −66
  6. 0.08 ’22 +143
  7. 0.24 ’23 +189
  8. 0.08 ’24 −68
  9. 0.27 ’25 +252
  10. 0.38 ’26e +40
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 107,892 145,630 122,651 192,595
Receivables — — — —
Inventory — — — —
Other — — — —
265,048 306,671 298,159 400,421
2023 2024 2025 Q'26
Payables 189,355 186,542 205,674 232,567
ST’ Debt — — — —
Other 69,062 — — —
268,500 245,023 260,525 232,567

Compound Annual Growth %

10y 5y 3y
Sales (1.82%) 16.20% 6.00%
Cash Flow 0.00% 0.00% 0.00%
Earnings (2.10%) 5.72% 1.42%
Book Value 1.64% 2.72% 1.39%

Earnings Trends EPS, adjusted, against the consensus

Sep 2026 Estimate 0.13 Actual 0.12

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Dec 2025 0.11 0.11 Met by 0.00
Mar 2026 0.12 0.12 Met by 0.00
Jun 2026 0.13 0.13 Met by 0.00
Sep 2026 0.13 0.12 Miss by 0.01
Dec 2026 0.12 — Reports 5 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.09 0.13 0.13 — —
’25 0.09 0.10 0.09 0.11 0.38
’24 0.07 0.07 0.09 0.07 0.29
’23 0.07 0.08 0.06 — 0.25
’22 0.12 0.13 0.10 0.01 0.36
’21 0.10 0.12 0.11 0.05 0.36
’20 0.07 0.07 0.07 0.11 0.29
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 16,904 17,179 17,091 — —
’25 12,136 12,984 14,652 15,664 55,435
’24 12,530 11,772 11,055 11,311 46,668
’23 11,541 7,553 13,163 — 48,856
’22 9,721 6,439 8,593 9,302 46,549
’21 7,021 5,891 7,889 3,905 28,376
’20 7,892 4,446 6,507 5,733 26,170
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 16,367 (9,719) 7,442 — —
’25 (14,213) 6,536 (159) (3,363) (11,200)
’24 3,570 5,292 (1,655) 2,105 9,312
’23 5,001 (3,838) 15,391 — (36)
’22 5,788 498 39,422 4,258 8,090
’21 (1,996) 1,639 (6,446) (1,363) (17,097)
’20 7,767 14,445 29,011 45,033 27,777
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 15,837 (10,126) 7,125 — —
’25 (14,607) 6,064 (526) (4,011) (13,079)
’24 3,251 4,866 (1,899) 1,711 7,930
’23 4,622 (4,044) 15,144 — (1,596)
’22 5,163 251 38,243 4,258 6,383
’21 (2,085) 1,408 (7,010) (1,363) (17,777)
’20 7,575 14,391 28,500 45,033 27,104
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 73,492 78,267 61,540 60,557 26,170 28,376 46,549 48,856 46,668 55,435 66,837 (3.1%) 37,946 40,703 43,887 (7.5%)
Gross margin, % 75.30 75.64 78.92 81.37 68.00 69.93 45.36 35.89 42.68 37.37 36.04 (37.9) pt
EBT 7,787 6,273 6,552 4,100 988 5,651 4,689 2,045 3,133 3,766 5,489 (7.8%)
EBT margin, % 10.60 8.02 10.65 6.77 3.77 19.91 10.07 4.19 6.71 6.79 8.21 (3.8) pt
Net income 7,787 6,273 6,552 4,100 988 5,651 4,689 2,045 3,133 3,766 5,392 (7.8%)
Per share, $
Per share, $ Revenue 6.87 10.46 5.76 5.66 2.56 2.66 4.36 4.59 4.40 5.24 6.32 (3.0%)
Earnings 0.40 0.62 0.47 0.51 0.29 0.36 0.36 0.25 0.29 0.38 0.46 (0.7%)
Cash flow 1.68 0.99 0.42 (0.88) 2.72 (1.60) 0.76 0.00 0.88 (1.06) 1.01 n/m
Capex (0.12) (0.22) (0.13) (0.11) (0.07) (0.06) (0.16) (0.15) (0.13) (0.18) (0.18) +4.1%
Free cash flow 1.56 0.77 0.28 (0.98) 2.65 (1.67) 0.60 (0.15) 0.75 (1.24) 0.83 n/m
Book value 2.71 4.65 3.12 3.18 2.74 2.57 2.88 3.14 2.95 3.03 3.62 +1.3%
Shares, m 10,692 7,482 10,692 10,696 10,225 10,676 10,671 10,642 10,614 10,579 10,574 (0.1%)
Valuation, ×
Valuation, × P/E 9.18 12.19 12.31 12.55 14.68 8.28 7.08 15.45 6.37 8.54 5.48 10.7
P/S 0.62 0.80 0.92 1.06 1.89 1.34 0.40 0.88 0.43 0.64 0.40 0.9
P/B 1.91 1.74 1.87 2.17 1.68 1.25 0.45 1.06 0.65 1.10 0.70 1.4
EV/Sales (0.13) (0.67) (0.90) (0.13) 0.70 (4.28) (3.88) (1.70) (2.27) (1.02) — (1.4)
EV/FCF (0.98) (95.68) (16.76) 0.61 0.18 11.07 (2.79) (3.75) (13.39) 4.30 — (11.7)
Cash, $m
Cash, $m Operating cash flow 17,962 7,415 4,452 (9,361) 27,777 (17,097) 8,090 (36) 9,312 (11,200) 10,727 n/m
Capex (1,319) (1,627) (1,432) (1,154) (674) (680) (1,708) (1,560) (1,383) (1,880) (1,901) +4.0%
Free cash flow 16,643 5,787 3,020 (10,514) 27,104 (17,777) 6,383 (1,596) 7,930 (13,079) 8,825 n/m
Balance, $m
Balance, $m Working capital 30,139 29,392 30,233 28,165 (46,336) 74,211 1,585 (3,451) 61,648 37,634 167,854 +2.5%
Net debt (108,554) (156,222) (132,438) (113,858) (51,322) (106,723) (63,702) (41,821) (126,435) (91,502) (86,315) (1.9%)
Shareholders’ equity 28,926 34,772 33,321 34,065 28,026 27,394 30,748 33,453 31,322 32,050 38,256 +1.1%
Returns, %
Returns, % ROA 1.33 1.28 1.43 1.64 0.98 1.32 1.24 0.78 0.83 1.06 1.13 (0.3) pt
ROIC 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.0 pt
ROE 15.40 14.41 15.34 16.98 10.34 14.68 13.98 8.89 9.88 13.38 14.24 (2.0) pt
People
People Employees 108,793 98,808 98,605 97,329 89,575 87,274 88,381 86,222 84,022 82,095 — (3.1%)
Revenue/emp, $m 0.68 0.79 0.62 0.62 0.29 0.33 0.53 0.57 0.56 0.68 — 0.0%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Banco Bradesco SA vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BSBR Banco Santander Brasil SA $17.7B 6.2× — +14.98% (above 0%: growing) −5.56% (below 0%: shrinking) +274.78% (above 0%: growing) 40.57% 0.00% Compare
EWBC East West Bancorp, Inc. $17.7B 12.2× 12.2× −0.14% (below 0%: shrinking) +4.91% (above 0%: growing) +112.58% (above 0%: growing) 66.97% 0.00% Compare
WF Woori Bank $16.8B 7.7× — +37.39% (above 0%: growing) +12.90% (above 0%: growing) −106.07% (below 0%: shrinking) 57.49% 0.00% Compare
PNFP Pinnacle Financial Partners, Inc. $15.3B 13.5× 13.0× +126.12% (above 0%: growing) +9.55% (above 0%: growing) −3.18% (below 0%: shrinking) 66.77% 0.00% Compare
BSAC Banco Santander Chile $15.2B 12.4× — +6.76% (above 0%: growing) +50.00% (above 0%: growing) +440.00% (above 0%: growing) 67.88% 0.00% Compare
BBD Banco Bradesco SA $14.0B 5.5× 5.2× +16.65% (above 0%: growing) +44.44% (above 0%: growing) +1,455.10% (above 0%: growing) 34.57% 0.00%
FHN First Horizon Corporation $11.0B 16.4× 16.5× −39.55% (below 0%: shrinking) n/m +664.86% (above 0%: growing) 52.50% 0.00% Compare
WTFC Wintrust Financial Corporation $10.2B 11.5× 11.4× +4.06% (above 0%: growing) +21.28% (above 0%: growing) −23.80% (below 0%: shrinking) 66.53% 0.00% Compare
UMBF UMB Financial Corporation $10.2B 10.1× 9.8× +4.21% (above 0%: growing) +53.84% (above 0%: growing) +39.21% (above 0%: growing) 68.49% 0.00% Compare
Median of peers $15.3B 11.8× 12.2× +5.48% +12.90% +75.90% 66.65% 0.00%

All 327 Banks Regional stocks →

Banco Bradesco SA (BBD) Latest News

28 Oct

Impact 4 · · TIKR

26 Oct

Impact 4 · · The Motley Fool
Impact 3 · · TIKR

23 Oct

Impact 4 · · The Motley Fool transcript
Impact 4 · · MarketBeat

22 Oct

Impact 3 · · Associated Press earnings

12 Oct

Impact 3 · · The Motley Fool
Impact 3 · · The Motley Fool
Impact 3 · · The Motley Fool

10 Oct

Impact 3 · · The Motley Fool

9 Oct

Impact 3 · · Insider Monkey

29 Sep

Impact 4 · · PR Newswire
Impact 3 · · The Motley Fool

25 Sep

Impact 3 · · The Motley Fool
Impact 3 · · The Motley Fool

23 Sep

Impact 3 · · The Motley Fool

7 Aug

Impact 4 · transcript
Impact 3 · · MarketBeat

12 May

Impact 4 · · electronicpaymentsinternational.com
Impact 3 · · electronicpaymentsinternational.com

14 Apr

Impact 4 · · Zacks

24 Feb

Impact 4 · · Insider MonkeyMarketBeatAssociated Press Finance

6 Feb

Impact 4 · · MarketBeat transcript
Impact 3 · · Associated Press FinanceMT NewswiresAssociated Press FinanceAssociated Press FinanceAssociated Press FinanceAssociated Press Finance

28 Jan

Impact 4 · · The Motley Fool

27 Jan

Impact 3 · · The Motley Fool

5 Jan

Impact 3 · · The Motley Fool

23 Dec

Impact 4 · · Barrons.com

5 Nov

Impact 4 · · GuruFocus.com transcript

4 Nov

Impact 4 ·

BBD metrics, ten years each

stockrow.com/BBD · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com