Banco Bradesco S.A. (BBDO) is listed on NYSE and operates in the Banks - Regional industry (Financial Services sector).
Banco Bradesco S.A., together with its subsidiaries, provides various banking products and services to individuals, corporates, and businesses in Brazil and internationally. The company operates through two segment, Banking and Insurance. It provides current, savings, click, and salary accounts; real estate credit, vehicle financing, payroll loans, mortgage loans, microcredit, leasing, and personal and installment credit; debit and business cards; financial and security services; consortium products; auto, personal accident, dental, travel, and life insurance; investment products; pension products; real estate and vehicle auctions; cash management, and foreign trade and exchange services; capitalization bonds; and internet banking services. Banco Bradesco S.A. was founded in 1943 and is headquartered in Osasco, Brazil.
| Rating | Analysts |
|---|---|
| Strong Buy | 0 |
| Buy | 3 |
| Hold | 8 |
| Sell | 2 |
| Strong Sell | 0 |
Banco Bradesco S.A., founded in 1943 and headquartered in Osasco, Brazil, is a prominent player in the financial services sector, particularly within regional banking. The company, along with its subsidiaries, offers a wide range of banking products and services to individuals, corporations, and businesses both domestically and internationally. Operating through its Banking and Insurance segments, Banco Bradesco provides various account types, including current, savings, and salary accounts. It offers credit solutions such as real estate, vehicle, payroll, mortgage, microcredit, leasing, and personal loans. The bank also issues debit and business cards and provides financial and security services. Its insurance offerings cover auto, personal accident, dental, travel, and life insurance. Additionally, Banco Bradesco offers investment and pension products, conducts real estate and vehicle auctions, and provides cash management, foreign trade, and exchange services. Other services include consortium products, capitalization bonds, and internet banking.
Over the past three fiscal years, the company has demonstrated a significant turnaround in its financial performance. Revenue grew at a 17.1% CAGR from BRL 254.7 billion in 2023 to BRL 349.1 billion in 2025, despite some inconsistency in annual figures. This growth was accompanied by a consistent increase in gross margin, which expanded by 7.8pp from 26.8% to 34.6%, indicating improved cost management or pricing power. Operating and net margins also improved, albeit inconsistently, by 1.4pp and 1.2pp, respectively, suggesting some operational leverage as the company scaled. A notable inflection occurred in cash generation; after two years of negative free cash flow, the company achieved a positive FCF of BRL 258 billion in 2025, representing a robust FCF margin of 73.9%. This turnaround in cash flow is underscored by a strong cash conversion ratio of 11.1, indicating that earnings are now well-supported by cash. However, net debt increased consistently, reaching BRL 643.3 billion by 2025, which may warrant attention given the low interest coverage ratio of 0.1x, highlighting potential leverage risks. Despite these challenges, the company reduced its share count slightly, enhancing per-share value, as evidenced by EPS growth at a 32.8% CAGR to BRL 2.24. Overall, the company's financial health has improved markedly, with significant strides in profitability and cash generation, though leverage and liquidity remain areas to monitor.
Recent developments for Banco Bradesco S.A. (NYSE:BBDO) primarily focus on its financial performance. The company released its Q4 2025 earnings on February 6, though specific financial details were not provided in the available summary. Additionally, Banco Bradesco reached a new 52-week high as of April 18, indicating positive market sentiment. Other financial comparisons and analyses involving Banco Bradesco were reported, including a financial survey with UniCredit and a comparison with BBVA Banco Frances, highlighting the bank's competitive positioning in the market. Furthermore, a short interest update was provided on March 13, suggesting investor interest in the stock's future performance. These developments collectively suggest a period of positive momentum and market interest for Banco Bradesco, although detailed financial metrics and analyst insights were not disclosed in the available summaries.