Financial Services · Banks - Regional
Price
$3.46
Market Cap
$36.6B
Employees
71,953
Beta
0.26
Avg Volume
31,141,438
CEO
Marcelo de Araujo Noronha
Business 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 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.
Business History
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
CALCStock Price / EPS (Diluted)
1.58
Stock Price: $3.46
EPS (Diluted): 2.19
EPS (Diluted): 2.19
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
1.08
Stock Price: $3.46
Total Equity: $178.42B
Shares: 10,577,012,000
Total Equity: $178.42B
Shares: 10,577,012,000
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
-233.41
Market Cap: $36.59B
Total Debt: $795.14B
Cash: $160.84B
EBITDA: -$3.56B
Total Debt: $795.14B
Cash: $160.84B
EBITDA: -$3.56B
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$830.5B
Market Cap: $36.59B
Total Debt: $795.14B
Cash: $160.84B
Total Debt: $795.14B
Cash: $160.84B
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
34.6%
Gross Profit: $118.43B
Revenue: $342.23B
Revenue: $342.23B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
-1.1%
Operating Income: -$3.84B
Revenue: $342.23B
Revenue: $342.23B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
6.8%
Net Income: $23.21B
Revenue: $342.23B
Revenue: $342.23B
ROE (Profit from shareholder equity)
CALCNet Income / Total Equity
13.0%
Net Income: $23.21B
Total Equity: $178.42B
Total Equity: $178.42B
ROIC (Profit from all invested capital)
CALCNOPAT / Invested Capital
-0.5%
Operating Income: -$3.84B
Tax Rate: -15.4%
Equity: $178.42B
Total Debt: $795.14B
Cash: $160.84B
Tax Rate: -15.4%
Equity: $178.42B
Total Debt: $795.14B
Cash: $160.84B
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
0.25
Current Assets: $289.34B
Current Liabilities: $1,159.03B
Current Liabilities: $1,159.03B
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
4.46
Short-Term Debt: $349.70B
Long-Term Debt: $445.44B
Total Debt: $795.14B
Total Equity: $178.42B
Long-Term Debt: $445.44B
Total Debt: $795.14B
Total Equity: $178.42B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$32.36
Revenue: $342.23B
Shares: 10,577,012,000
Shares: 10,577,012,000
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$16.87
Total Equity: $178.42B
Shares: 10,577,012,000
Shares: 10,577,012,000
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$-29.86
Operating CF: -$310.78B
CapEx: -$5.02B
Shares: 10,577,012,000
CapEx: -$5.02B
Shares: 10,577,012,000
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
6.1%
Last Dividend: N/A
Stock Price: $3.46
Stock Price: $3.46
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $23.21B
Net Income: $23.21B
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares BBD against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jun 27, 2026 3:09am (5h ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $157.5B | $239.6B | $254.7B | $249.6B | $342.2B |
| Cost of Revenue | $64.5B | $157.1B | $186.6B | $170.9B | $223.8B |
| Gross Profit | $93.1B | $82.5B | $68.2B | $78.7B | $118.4B |
| Operating Expenses | $60.2B | $57.9B | $57.9B | $61.8B | $122.3B |
| Operating Income | $32.9B | $24.6B | $10.2B | $16.9B | -$3.8B |
| Net Income | $23.2B | $21.2B | $14.3B | $17.3B | $23.2B |
| EBITDA | $38.6B | $30.3B | $16.7B | $23.6B | -$3.6B |
| EPS | $1.97 | $1.99 | $1.34 | $1.63 | $2.19 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jun 27, 2026 3:09am (5h ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $21.3B | $28.5B | $171.8B | $168.4B | $160.8B |
| Total Current Assets | $21.3B | $28.5B | $41.5B | $329.5B | $289.3B |
| Total Assets | $1.7T | $1.8T | $1.9T | $2.1T | $2.3T |
| Current Liabilities | $3.0B | $7.9B | $8.8B | $938.7B | $1.2T |
| Long-Term Debt | $234.3B | $344.6B | $355.4B | $403.3B | $445.4B |
| Total Liabilities | $1.5T | $1.6T | $1.8T | $1.9T | $2.2T |
| Total Equity | $149.8B | $159.5B | $166.3B | $168.4B | $178.4B |
| Retained Earnings | $68.2B | $73.3B | $76.0B | $82.0B | -$70.8M |
Cash Flow (Annual)
Last updated: Jun 27, 2026 3:09am (5h ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | -$102.0B | $41.8B | -$177.6M | -$91.3B | -$310.8B |
| Capital Expenditure | -$4.4B | -$9.4B | -$9.1B | -$2.3B | -$5.0B |
| Free Cash Flow | -$106.4B | $32.4B | -$9.3B | -$93.6B | -$315.8B |
| Acquisitions (net) | -$183.2M | -$624.0M | -$84.8M | -$211.1M | $0 |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$666.7M | -$224.4M | $0 | -$568.7M | -$222.6M |
| Net Change in Cash | -$119.4B | $46.8B | $60.6B | $21.2B | -$14.5B |
Growth Trends (YoY %)
Last updated: Jun 27, 2026 3:09am (5h ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +52.1% | +6.3% | -2.0% | +37.1% |
| Gross Profit Growth | -11.4% | -17.4% | +15.5% | +50.5% |
| Operating Income Growth | -25.1% | -58.5% | +65.6% | -122.7% |
| Net Income Growth | -8.4% | -32.9% | +21.1% | +34.5% |
| EBITDA Growth | -21.6% | -44.8% | +41.3% | -115.1% |
Dividend History (Last 20)
Last updated: Jun 21, 2026 6:43pm (5d ago)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-07-06 | $0.00 | 2026-06-16 | 2026-07-06 | 2026-08-13 |
| 2026-06-03 | $0.00 | 2026-05-11 | 2026-06-03 | 2026-07-09 |
| 2026-05-06 | $0.00 | 2026-04-07 | 2026-05-06 | 2026-06-08 |
| 2026-04-08 | $0.06 | 2026-03-26 | 2026-04-08 | |
| 2026-04-06 | $0.00 | 2026-03-12 | 2026-04-06 | 2026-05-14 |
| 2026-03-04 | $0.00 | 2026-02-05 | 2026-03-04 | 2026-04-08 |
| 2026-02-04 | $0.00 | 2026-01-14 | 2026-02-04 | 2026-03-09 |
| 2026-01-06 | $0.00 | 2025-12-19 | 2026-01-06 | 2026-02-09 |
| 2025-12-31 | $0.07 | 2025-12-19 | 2025-12-31 | |
| 2025-12-03 | $0.00 | 2025-11-05 | 2025-12-03 | 2026-01-09 |
| 2025-11-05 | $0.00 | 2025-10-13 | 2025-11-05 | 2025-12-08 |
| 2025-10-03 | $0.00 | 2025-09-19 | 2025-10-03 | 2025-11-10 |
| 2025-10-01 | $0.06 | 2025-09-19 | 2025-10-01 | |
| 2025-09-03 | $0.00 | 2025-08-12 | 2025-09-03 | 2025-10-08 |
| 2025-08-05 | $0.00 | 2025-07-09 | 2025-08-05 | 2025-09-08 |
| 2025-07-03 | $0.00 | 2025-06-18 | 2025-07-03 | 2025-08-08 |
| 2025-07-02 | $0.06 | 2025-06-20 | 2025-07-02 | |
| 2025-06-04 | $0.00 | 2025-05-09 | 2025-06-04 | 2025-07-09 |
| 2025-05-06 | $0.00 | 2025-04-07 | 2025-05-06 | 2025-06-09 |
| 2025-04-03 | $0.00 | 2025-03-18 | 2025-04-03 | 2025-05-09 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for BBD — it's generated by the pipeline (
market-narrative step).
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.352 · d1100787 · 2026-06-26 11:39:30