Banco Bradesco S.A., together with its subsidiaries, provides various banking products and services in Brazil and internationally. The company operates in two ...
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Est. EPS $0.00 · Revenue $37.57B
$1.32 per share
Est. EPS $0.00 · Revenue $38.33B
Est. EPS $0.00 · Revenue $150.20B
$1.32 per share
EPS BRL 0.64 · Revenue BRL 87.38B
EPS BRL 0.49 · Revenue BRL 88.72B
EPS BRL 2.24 · Revenue BRL 311.66B
EPS BRL 0.52 · Revenue BRL 80.67B
EPS BRL 0.57 · Revenue BRL 76.53B
| 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% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | — | — | — | — |
| Revenue Surprise | $311.7B vs $136.5B | +128.4% | $87.4B vs $37.1B | +135.4% |
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 …
| Name | Title | Gender | Year Born | Status |
|---|---|---|---|---|
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 |
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 |
Marcelo de Araujo Noronha | Chief Executive Officer & Member of Executive Board | Male | 1965 | Active |
Antonio Jose da Barbara | Managing Executive Officer & Member of Executive Board | Male | 1968 | 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 |
Eurico Ramos Fabri | Executive Vice President of Director & Member of Executive Board | Male | 1972 | Active |
Banco Bradesco SA (NYSE: BBDO - Get Free Report) crossed above its 50-day moving average during trading on Wednesday. The stock has a 50-day moving average of $3.09 and traded as high as $3.10. Banco Bradesco shares last traded at $2.9650, with a volume of 49,281 shares trading hands. Analysts Set New Price Targets Separately,
Banco Bradesco SA (NYSE: BBDO - Get Free Report)'s stock price crossed above its 50 day moving average during trading on Monday. The stock has a 50 day moving average of $3.06 and traded as high as $3.25. Banco Bradesco shares last traded at $3.24, with a volume of 45,912 shares changing hands. Analysts Set
