Educational research only—not investment advice or a recommendation. Scores and estimates may use delayed, incomplete, restated, or corrected market and filing data. Independently verify information before making an investment decision.

Banco Bradesco S.A.

BBDNYSE
Wall Street Score · overall investment57/100
$2.73USD$-0.18 (-6.19%)
Company website banco.bradesco
HeadquartersCidade De Deus, S/N, Osasco, SP, 06029-900, BR
Financial statement currencyBRL · converted to USD at 0.198962
Financial Services · Banks - Regional
Price updated todayFinancials updated Oct 22, 2026

BBD · Price history

Price at last available close

$2.73

−$0.62 (-18.51%) 1M

2026-10-28

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Company & revenue

About Banco Bradesco S.A.

Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.

Who they are

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.

How they make money

Banco Bradesco S.A. operates as a diversified financial services group providing banking, insurance, asset management, and capitalization services. The company generates revenue primarily through net interest income from lending and financial investments, as well as fee and commission income from services, insurance premiums, and asset management activities.

Products & services

Banking services (checking, savings, loans), insurance (life, health, property), asset management, capitalization bonds, and investment banking services.

Brands & revenue mix

Bradesco

Primary brand for banking and financial services.

Separate brand revenue is not available in this research.Source

Bradesco Capitalização

Market leader in capitalization bonds.

Separate brand revenue is not available in this research.Source

Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.

Product / operating segments

No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.

Geographic revenue

No reconciled geographic revenue breakdown was confirmed for the current research period.

Customer types

  • Individual consumersSource
  • Corporate and institutional clientsSource

Customer concentration

No quantified customer-concentration disclosure is available in the current saved research.

Suppliers, materials & equipment

  • KPMG Auditores Independentes Ltda. — Independent auditing and appraisal services.Source

Business relationships & partnerships

  • Bradesco Asset Management — Develops international alliances and agreements with partners to offer Brazilian investors global investment opportunities.Source

Competitors

  • Itaú Unibanco — Major private sector commercial bank in Brazil.Source
  • Banco do Brasil — Government-controlled commercial bank in Brazil.Source

Strengths

  • Market leadership in capitalization bondsSource
  • Extensive branch network and historical presence in BrazilSource

Risks

Wall Street Score

Overall investment score · Quality, value, risk and opportunity

57

Fair

PoorElite

View category scores →

Company Quality

How good is the actual business—regardless of today’s stock price?

51

Fair

Financial Strength

23

Business Quality / Moat

82

Management

49

Growth Quality

53

Risk / Durability

60

Cheap for a Reason · Review the Risks

Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.

Opportunity

Opportunity Score · How does the current price compare with estimated value?

72

Fair

Based on current valuation, company quality, recent trends, and available market signals.

View score details →

Model Outlook

12-month model · What does the model think happens next?

66/100

Building Historical Record

Model Score 66/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.

Probability unavailable — the model has not produced a calibrated probability yet.

Click for full breakdown →

WSS View

The quick read

The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.

At today’s price, the WSS valuation framework currently reads as relatively attractive.

The model outlook is currently moderate.

What we like
  • •Asset quality scores strongly
  • •Valuation scores attractively
  • •Insider activity signal is favorable
  • •Recent buyback activity is present
What to watch
  • •Elevated debt risk
  • •Revenue fundamentals are weak
  • •Debt / balance-sheet profile needs attention

Company-specific research

Questions worth answering for BBD

Research inputs 100% complete

These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.

  • •Can BBD maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
  • •Is BBD's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
  • •Is BBD's debt load manageable relative to cash generation, interest costs and upcoming maturities?
  • •Is BBD's valuation discount tied to a temporary concern or to a longer-term business risk?
Elevated debt risk
Business analysis: 16 days ago · Fresh

Essential Investment Snapshot

Wall Street Score

57

0–100 · Fair

Opportunity Score

72

0–100 · Strong

Market Cap

$29.29B

P/E Ratio

8.9

EPS

$0.45

52-Week High

$4.58

52-Week Low

$2.98

Beta

0.23

Intrinsic Value

$12.05

Analyst Target

$4.05

Shares Outstanding

10.58B

Total Revenue

$67.91B

Total Debt

$160.20B

Dividend Yield (TTM)

8.83%

View dividend history

Liquidation Value / Share

$3.44

Estimated net asset value per share

Dividend / Share (TTM)

$0.24

Trailing 12 months by ex-date; not a forecast

Momentum & Volatility Signals

Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.

0–100 market signals
Momentum
13/ 100
-62 pts / 5d

Strong downward momentum

5D -32.6% · 20D -22.4% · RSI 15 · Price vs 20D avg -30.1%
Volatility
98/ 100
+28 pts / 5d

Extreme movement

20D realized vol 140.1% · 60D 84.6% · Acceleration 1.66x
Momentum = Where is it going?

A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.

Volatility = How violently is it moving?

A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.

Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.

Notices for BBD

Detected from reported data — verify before acting.

Dividend history reported

Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.

Historical repurchase activity

Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.

Elevated debt risk

Total debt is at least one year of revenue • Interest coverage is below 2x • Cash covers less than 20% of total debt

Community Sentiment

0 active · 0 total calls
0% Bullish (0) 0% Bearish (0)

No personal call yet on BBD.

Potential upside factors

  • +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
  • +Market leadership in capitalization bonds.
  • +Extensive branch network and historical presence in Brazil.
  • +Positive free cash flow may provide capacity to invest in growth.

Potential downside factors

  • −Debt risk (elevated): Total debt is at least one year of revenue.
  • −Interest coverage is below 2x.
  • −Cash covers less than 20% of total debt.
  • −Climate change impacts.

These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.

Create a free account to make a call.

Scores

Click any score for full breakdown
Wall Street Score
Fair57/ 100
Weak (0–50)Fair (51–71)Strong (72+)

Fair

57

Tap for breakdown →

Poor

14

Debt Cost24.4%
Debt Reduction YoY-15.1%
Debt / Equity4.45x

Tap for breakdown →

Weak

48

Revenue YoY9.5%
Revenue CAGR10.6%
Net Margin7.1%

Tap for breakdown →

Strong

74

Asset Growth YoY12.6%
Liquidation/Share$3.44
Net Assets/MCap7.77x

Tap for breakdown →

Poor

34

Earnings Yield11.4%
Buyback Yield0.1%
Debt Cost24.4%

Tap for breakdown →

Weak

49

ROIC2.5%
ROE13.4%
ROA1.0%

Tap for breakdown →

Strong

82

EPS Growth12.5%
FCF/Share Growth49.8%
Rev/Share Growth13.4%

Tap for breakdown →

Elite

100

Intrinsic Value$12.05
Value Reference$7.23
MOS66.9%

Tap for breakdown →

Fair

54

Revenue48
Moat82
Valuation100

Tap for breakdown →

Elite

100

MOS %66.9%
Value Reference$7.23
Deep Discount Reference$4.82

Tap for breakdown →

Poor

38

Interest Coverage0.1x
ROIC2.5%
FCF Yield120.4%

Tap for breakdown →

Fair

65

Financial38
Valuation100
Debt14

Tap for breakdown →

Weak

43

Survival Years5.6 yrs
Current Ratio0.58x
FCF Margin82.8%

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Score Changes

6 historical score records available

Previous Score

59

Oct 1, 2026

Change

-1.7

points

Current Score

57

Oct 22, 2026

Category Changes

Revenue-3.0
Debt0
Assets0
Capital0
Management0
Moat0
Valuation0
Buffett-0.6

BBD decreased 1.7 points because Revenue declined by 3 points.

Negative Contributors

  • − Revenue declined by 3 points

Projected Score

Projected Score

57

Projected Change

-0.6 points

Preliminary comparable-period financial changes suggest decline of approximately 0.6 points. This is a projected estimate, not the official WallStreetScore.

Price vs. Value

Review model assumptions

This model estimate is more than three times the share price.

This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.

Stored EPS: $0.45 · Growth assumption: 10.6% · Earnings multiplier: 29.7×.

Current Price

$2.73

Model Intrinsic Value

$12.05

Difference

−$9.32

-77.4% vs IV

Margin of Safety

77.4%

Value Reference: $7.23
Deep Discount Reference: $4.82

Financial Charts

Revenue

201420152016201720182019202020212022202320242025$0$20.0B$40.0B$60.0B$80.0B

Additional Metrics

Operating Cash Flow

201520172019202120232025-$25.0B$0$25.0B$50.0B$75.0B

Total Debt

201520172019202120232025$0$40.0B$80.0B$120.0B$160.0B

Total Assets

201520172019202120232025$0$150.0B$300.0B$450.0B$600.0B

Net Margin %

No data
Monetary values in USD. Share counts in raw units.

Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.

Line ItemTTM2025202420232022202120202019201820172016
Revenue$67.91B$62.01B$49.66B$50.68B····························
Cost of Revenue$49.32B$44.27B$34.01B$37.12B····························
Gross Profit$18.59B$17.73B$15.66B$13.56B····························
Research & Development$0.00$0.00$0.00$0.00····························
SG&A Expenses$9.22B$8.95B$8.58B$8.09B····························
Operating Expenses$13.46B$13.55B$12.29B$11.53B····························
EBITDA$6.56B$5.59B$4.70B$3.33B····························
Operating Income$5.13B$4.18B$3.36B$2.03B····························
Interest Expense$43.49B$38.57B$28.71B$31.11B····························
Income Before Tax$5.13B$4.18B$3.36B$2.03B····························
Income Tax Expense$241.4M-$577.0M-$127.7M-$854.4M····························
Net Income$4.84B$4.71B$3.43B$2.84B····························
Basic EPS$0.45$0.45$0.32$0.25····························
Basic Shares11.16B10.58B10.61B10.64B····························
Diluted Shares11.16B10.58B10.61B10.64B····························
Upgrade to Premium for up to 10 annual periods, where available.
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Earnings Summary

Estimated earnings date:A future estimated earnings date is not currently available.
Jun 30, 2026Q2FY2026

Revenue

$17.39B

Estimate unavailable.

Revenue Beat/Miss

Not available (no estimate stored)

EPS

$0.13

Estimate unavailable.

EPS Beat/Miss

Not available (no estimate stored)

Debt Change

+10.6%

Cash Change

+0.7%

Margin Change

+0.2 pp

Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.

Financial Changes Since Prior Period

What Improved

  • Margins expanded
  • Cash position grew

What Weakened

  • Debt increased

Potential Score Impact

Positive indicators included revenue growth, EPS growth, cash levels, net income margin. Pressure indicators included debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.

Stored Earnings Analysis

Revenue increased 14.2%. EPS increased 12.3%. Cash increased 0.7%. Total debt increased 10.6%. Net income margin improved by 0.2 percentage points.

Earnings-Call Transcript

Earnings-call transcript analysis is not currently available.

These results may influence future scores when the next evaluation is completed.

Upgrade to Premium to unlock all earnings history.View plans
Earnings data: 120 days ago · Stale

Insider Activity

Guru / Smart Money

Guru Score

Smart Money

Number of Gurus

Total Guru Value

Avg Portfolio Weight

Largest Holder

Largest Holder %

New Positions

Increased Positions

Reduced Positions

Exited Positions

Net Guru Sentiment

Loading data...

Short Interest

Government disclosed trading activity is available on the Smart Money directory. Filings may be delayed and may not represent complete current holdings.

Dividend History

Log in to view dividend history.

Conservative Projected Values

3 Years

$———.——

Premium

5 Years

$———.——

Premium

10 Years

$———.——

Premium

Conservative Projection Rate

——%

Premium

Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.

Conservative Projected Values

Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.

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Historical Outperformance Record

Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.

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Historical Trends

6 historical records
Jul 23, 26Aug 12, 26Sep 2, 26Sep 9, 26Oct 1, 26Oct 22, 260255075100

Historical Score Chart

3 of 6 records shown
3 historical score records are shown. Start your seven-day free trial to unlock 3 more records and the complete score history.Start Free Trial

Wall Street Score

Sep 9, 26Oct 1, 26Oct 22, 260255075100

Debt Score

Sep 9, 26Oct 1, 26Oct 22, 260255075100

Revenue Score

Sep 9, 26Oct 1, 26Oct 22, 260255075100

Asset Score

Sep 9, 26Oct 1, 26Oct 22, 260255075100

Capital Score

Sep 9, 26Oct 1, 26Oct 22, 260255075100

Management Score

Sep 9, 26Oct 1, 26Oct 22, 260255075100

Moat Score

Sep 9, 26Oct 1, 26Oct 22, 260255075100

Valuation Score

Sep 9, 26Oct 1, 26Oct 22, 260255075100

Buffett Score

Sep 9, 26Oct 1, 26Oct 22, 260255075100

Intrinsic Value

Sep 9, 26Oct 1, 26Oct 22, 26$11.55$11.70$11.85$12.00$12.15

Value Reference

Sep 9, 26Oct 1, 26Oct 22, 26$6.97$7.05$7.13$7.20$7.28

Margin of Safety %

Sep 9, 26Oct 1, 26Oct 22, 260.7%0.7%0.7%0.7%0.7%

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News

Rumor Mill · BBD

Corporate developments & opportunities

Explore market →

No reviewed developments match this filter.

Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.

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