Banco Bradesco S.A.

BBD

$3.45

-0.43%

2026-09-04 10:26:57 EDT-$0.01

Financial Services

Banks - Regional

NYSE

Active Trading

Banco Bradesco S.A., along with its affiliated entities, functions as a prominent financial institution delivering a broad spectrum of banking and financial ...

Price Action of BBD

$3.45

-0.43%-$0.01

High—

Low—

52W High-17.7%

Rel. vol—

Interval

Range6.5h

Volume—SMA5SMA10

—

Banco Bradesco S.A. (Bradesco) is one of Brazil’s largest financial groups, operating under the publicly traded ticker BBD on the NYSE. The company was founded on March 10, 1943 and is headquartered in Osasco, Brazil. Bradesco’s business model is centered on two main divisions: Banking and Insurance, enabling it to ...Banco Bradesco S.A. (Bradesco) is one of Brazil’s largest financial groups, operating under the publicly traded ticker BBD on the NYSE. The company was founded on March 10, 1943 and is headquartered in Osasco, Brazil. Bradesco’s business model is centered on two main divisions: Banking and Insurance, enabling it to cross-sell financial products across customer segments including individuals, small and mid-sized businesses, large enterprises, and institutional clients. In Banking, Bradesco offers a wide range of deposit accounts such as checking and savings, plus specialized deposit products. It also provides lending solutions that typically include real estate financing, vehicle loans, payroll-deductible credit, mortgages, micro-financing, leasing arrangements, and various personal and installment loans. For payment and transactional needs, the company issues debit and business cards and provides services such as financial and security advisory. Bradesco also manages consortium products (commonly used in Brazil for structured monthly contributions toward goods or real estate). In addition, it supports corporate clients with cash management services and foreign trade and exchange operations. Across Insurance, Bradesco underwrites policies covering a broad range of risks including auto, personal accident, dental, travel, and life insurance. Beyond classic insurance underwriting, the group also offers related financial offerings such as investment and pension products, which can be important for long-term customer value and recurring revenue streams. Bradesco’s customer experience is heavily supported by technology and distribution channels, including internet banking capabilities that allow customers to manage accounts, view balances and statements, and perform services digitally. Its network and digital platforms support both domestic Brazilian operations and international activities through an overseas subsidiary structure (notably a US subsidiary that serves residents and non-resident clients). From a cost and “BOM” perspective, banking economics differ from manufacturing, but key cost drivers include funding costs (deposits and wholesale funding), operating expenses tied to branch/digital operations, compliance and regulatory costs, technology infrastructure, credit-risk provisioning, and insurance claim costs. Financially, the company’s scale (tens of thousands of employees) and broad product set help diversify sources of earnings, though it remains exposed to macroeconomic conditions, credit cycles, interest-rate environments, and regulatory capital requirements. Leadership is led by CEO Marcelo de Araujo Noronha (serving as CEO since November 2023, per provided materials). Overall, Bradesco aims to serve as a full-service financial institution—combining banking, payments/credit, and insurance—so customers can access a suite of products throughout different life and business stages.ExpandCollapse

Founded

1943

Employees

82095

CEO

Marcelo de Araujo Noronha

Full Name

Banco Bradesco S.A.

Sector

Financial Services

Industry

Banks - Regional

ROE

13.60%

Market Cap

$36.48B

Current Ratio

0.24

WACC

19.13%

ROIC

-2.81%

Contact Information

https://banco.bradesco

55 80 0701 1616

Cidade De Deus, S/N, Osasco, SP 06029-900

Key Metrics of BBD

Snapshot

Latest / TTM · 6 periods

Market Cap

$36.48B

ROCE

2.0%

EV / EBITDA

24.51x

+0.9% YoY

FCF Yield

68.8%

-64.9% YoY

Cash Conversion Cycle

8.0d

Current Ratio

0.24

Quick take

TTM —

Current ratio below 1.0

Negative working capital

Financial Highlights of BBD

Profitability trend

Latest / TTM · 6 periods

Gross Margin

27.4%

Net Margin

7.1%

P/E Ratio

7.85x

n/a

Debt / Equity

4.44

n/a

Current Ratio

0.24

Dividend Yield

6.7%

Understanding

TTM —

Current ratio below 1.0

High debt to equity

Calendar of BBD

Upcoming

Sep 30, 2026In 26 days
Q3 FY2026 · Estimated results
Est. EPS $0.69 · Revenue $37.76B · 2 analysts
Oct 8, 2026In 34 days
Dividend payment
$1.32 per share
Dec 30, 2026
Q4 FY2026 · Estimated results
Est. EPS $0.69 · Revenue $38.70B · 2 analysts
Dec 31, 2026
FY2026 · Estimated annual results
Est. EPS $2.69 · Revenue $151.09B · 3 analysts

Recent history

Sep 3, 2026
Ex-dividend date
$1.32 per share
Jun 30, 2026
Q2 FY2026 · Results reported
EPS BRL 0.64 · Revenue BRL 87.38B
Mar 31, 2026
Q1 FY2026 · Results reported
EPS BRL 0.49 · Revenue BRL 88.72B
Dec 31, 2025
FY2025 · Annual results
EPS BRL 2.24 · Revenue BRL 311.66B
Sep 30, 2025
Q3 FY2025 · Results reported
EPS BRL 0.52 · Revenue BRL 80.67B
Jun 30, 2025
Q2 FY2025 · Results reported
EPS BRL 0.57 · Revenue BRL 76.53B

Financial Statements of BBD

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$311.7B	+24.9%	-1.5%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$23.7B	+37.2%	+37.9%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+28.6%	-9.3%	-4.1%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	+6.7%	-0.4%	-4.9%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	+7.6%	+9.9%	+40.0%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$258.0B	+375.6%	-170.4%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	+82.8%	+320.7%	-171.5%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	444.9%	+8.7%	-5.5%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	0.58x	+5.8%	-26.6%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$2330.3B	+12.6%	+1.4%

Actual vs Estimate

A Dec 31Q Sep 30

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	2.24 vs 2.38	-6.0%	0.64 vs 0.69	-7.1%
Revenue Surprise	$311.7B vs $138.4B	+125.3%	$87.4B vs $37.8B	+131.4%

Insider Transactions of BBD

Acquisitions (A)

Since Jun 1, 2026

Disposals (D)

Since Jun 1, 2026

Monthly shares of acquisitions/disposals with close price trend (shared daily price source)

Insider Trading Snapshot

Date	Executive	Title	Security	Side	Shares	Price
Aug 25, 2026	Ramalho Miranda Jose Augusto	officer: Executive Officer	Preference shares - BBDC4	D	6,300	$16.61
Aug 25, 2026	Ramalho Miranda Jose Augusto	officer: Executive Officer	Preference shares - BBDC4F	D	77	$16.61
Aug 13, 2026	Ramalho Miranda Jose Augusto	officer: Executive Officer	Preference shares - BBDC2	D	9,300	$0.06
Aug 13, 2026	Ramalho Miranda Jose Augusto	officer: Executive Officer	Preference shares - BBDC2F	D	60	$0.06
Jul 14, 2026	Di Marcello Francesco	officer: Executive Officer	Preference shares - BBDC4F	D	50	$18.61

Earnings Call Transcript of BBD

1 transcript segments

Q2 2026

Unknown Speaker

Marcelo de Noronha: Good morning, everyone, and thank you so much for joining us again. We are here once again to speak about our earnings results, especially for the second quarter of 2026. We are talking to you straight from our studios at Cidade de Deus. Now it's 10:31, August 6. So we are here live and alive and kicking. I mean if I even say this, probably the young generation doesn't even know what it is. So we are here broadcasting live from Cidade de Deus. So I'm here to present our results. As you've seen from yesterday's publication, we reached BRL 7.1 billion net income in the second quarter and 16.2% growth year-on-year, 3.5% quarter-over-quarter with ROAE of 16.2%, I mean, higher than what the market expected because the market expected that we would reach 16% ROAE in the last quarter of this year. So here, I bring a summary of our presentation. I'm not going to elaborate in any of those topics. But loan portfolio is growing with more guarantees with a very good risk-adjusted return. In the past 2 months, our IR department has been talking to investors, and they are asking us about what is happening to the macro landscape and the credit landscape. And I will talk about our standing vis-a-vis revenue. And also, we will talk about our accelerated transformation projects. So I'll talk to you about cause and effect. This is what I always do. What is behind this result? And why are we growing our loan portfolio? So we posted growth of 11.6% year-over-year, even more than quarter-over-quarter. So the portfolio reached BRL 1.137 billion and even CAGR, we posted 11.7% growth. And why is that? Well, that's explained because we have high penetration, commercial traction. We have a very good and well-equipped commercial team with a lot of intelligence behind it, but also we have digital channels. So I'll talk about the FGO. We were the first bank to provide a very seamless FGO experience. And this is happening throughout the organization, and I'll go through all of that through my comments. So the cause is commercial traction in all business segments, in all business lines, no exception. And this culminates in the growth of our loan portfolio. And further on, I'll talk about the other items or -- and in line items in our revenue. SME posted 16.1% year-over-year despite the baseline of the same period of last year. So this is a big highlight. Large corporates grew 12.7% year-over-year, and I'll elaborate on large companies further on. And individuals, 8.4% growth year-over-year. That means that we are growing in different lines and in all aspects that we wanted to grow. And we are also growing in customers with good ratings, with good credit modeling and adequate policies in every segment we operate. And I'd like you to remember one number because SME grew 5.1% quarter-over-quarter. This portfolio year-on-year grew BRL 37 billion. So let's bear that number in mind because we will talk about it later on. And I have some other figures for you here …

Leadership Team of BBD

10 executives

Name	Title	Gender	Year Born	Status
Cassiano Ricardo Scarpelli	Chief Financial Officer, Executive Vice President of Director & Member of Executive Board	Male	1968	Active
Walkiria Schirrmeister Marchetti	Managing Executive Officer & Member of Executive Board	Female	1960	Active
Guilherme Muller Leal	Executive Vice President & Member of Executive Board	Male	1967	Active
Eurico Ramos Fabri	Executive Vice President of Director & Member of Executive Board	Male	1972	Active
Jose Ramos Rocha Neto	Executive Vice President & Member of the Executive Board	Male	1968	Active
Bruno D'Avila Melo Boetger	Executive Vice President & Member of Executive Board	Male	1967	Active
Antonio Jose da Barbara	Executive Managing Officers & Member of Executive Board	Male	1968	Active
Marcelo de Araujo Noronha	Chief Executive Officer & Member of Executive Board	Male	1965	Active
Moacir Nachbar Jr. Junior	Executive Vice President, Chief Risk Officer & Member of Executive Board	Male	1965	Active
Roberto de Jesus Paris	Executive Officer & Member of Executive Board	Male	1972	Active

Recent News of BBD

Seeking Alpha8/8/2026Neutral

Banco Bradesco S.A. (BBD) Q2 2026 Press Conference Call Transcript

MarketBeat8/7/2026Neutral

Banco Bradesco Q2 Earnings Call Highlights

Banco Bradesco NYSE: BBD reported second-quarter 2026 net income of BRL 7.1 billion, up 16.2% from a year earlier and 3.5% from the prior quarter, as the Brazilian lender cited expansion in secured lending, improved commercial traction and resilient insurance results. Return on average equity reached 16.2%, which management said was ahead of market expectations.

Defense World7/25/2026Neutral

Arrowstreet Capital Limited Partnership Has $290.20 Million Stock Position in Banco Bradesco SA $BBD

Arrowstreet Capital Limited Partnership lessened its holdings in Banco Bradesco SA (NYSE: BBD) by 3.2% during the first quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The firm owned 79,507,406 shares of the bank's stock after selling 2,655,854 shares during the period. Arrowstreet Capital Limited

Defense World7/17/2026Neutral

Agri Bank China (OTCMKTS:ACGBY) versus Banco Bradesco (NYSE:BBD) Financial Comparison

Banco Bradesco (NYSE: BBD - Get Free Report) and Agri Bank China (OTCMKTS:ACGBY - Get Free Report) are both large-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, risk, valuation, analyst recommendations, earnings, dividends and profitability. Volatility and Risk Banco Bradesco has

Zacks Investment Research7/2/2026Neutral

BBD vs. UOVEY: Which Stock Is the Better Value Option?

Investors looking for stocks in the Banks - Foreign sector might want to consider either Banco Bradesco (BBD) or United Overseas Bank Ltd. (UOVEY). But which of these two stocks is more attractive to value investors?

Historical Employee Count of BBD

Current

82,095

Change

-2.29%

Minimum

82,095

Maximum

88,381

Recent Filings

Report Date	Employees	Form Type	Filing Date	SEC Filing
Dec 31, 2025	82,095	20-F	Mar 25, 2026	View
Dec 31, 2024	84,022	20-F	Mar 31, 2025	View
Dec 31, 2023	86,222	20-F	Apr 29, 2024	View
Dec 31, 2022	88,381	20-F	Apr 28, 2023	View
Dec 31, 2021	87,274	20-F	Apr 29, 2022	View

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Banco Bradesco S.A.