Company Analysis

Banco Bradesco Sa BBDO

A comprehensive view of key metrics, scores, and financial health for Banco Bradesco Sa

Overview of Banco Bradesco S.A.

BBDO NYQ

Financial Services Banks - Regional Framework: Banks & Lenders Large Cap

Banco Bradesco S.A. (BBDO), is a Large Cap company, in the Banks - Regional industry, last closed at $2.56, about 21.9% undervalued vs fair value, -14.4% 1Y return, ranked 775/1078 in sector.

Metrics P/E 14.7× Rev Growth 11.9% ROE 13.7% Gross Margin 102.5% Div Yield 0.00%

USD 2.56

-7.25%

(Delayed)

• Vol 90d: 67.1%

Market Cap

$27.60B

Enterprise Value

$87.20B

Overall Score

View breakdown

Overall

Growth

Weak

Profitability

Weak

Health

Weak

Efficiency

Weak

Valuation

Fair

Growth

Weak

Profitability

Weak

Health

Weak

Efficiency

Weak

Valuation

Fair

Completeness: 100%

Confidence: 95%

Updated: Oct 24

Top Beats

Quick Facts

Website https://banco.bradesco

HQ Osasco, SP

Employees 71,365

Fiscal year Dec 31

Next Events

Dividend Dec 11 Ex-div: Nov 5

Fair Value Snapshot

Bear Base Bull

Current: $2.56 +22% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps

Interest Income

BRL 267.1B

26.2%%

Interest Expense

BRL 193.8B

Net Interest Income

BRL 73.3B

8.6%%

Total Revenue

BRL 117.8B

11.9%%

Money Flow Bridge

You are currently seeing a limited view of the money flow waterfall.

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Flow Direction: Money moves from left to right

Components: Breakdown shows composition of each stage

Industry-Specific: Financial Services

Data Quality Notes

Amounts are in BRL, the company's reporting currency, not US dollars. 1 BRL = $0.1857. Interest Income: about $49.60B in USD.
Note: For banks, Owner Pocket percentages are relative to Net Income (not FCF), as traditional FCF is not meaningful.
Note: Credit Provisions data not available from source. This is a key credit quality metric for banks.

Quality & Reliability Indicators

Return on Equity

6.3%

Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

BRL 222.6M

2.0% of Net Income

Where It Leaks

Cash Flow Health critical

Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.

Active Leaks

1/1

Improving

High Impact

Critical

Interest Drag

Current: 0.1x

Allocation Leak

Improving

Scores based on quantitative metrics and qualitative factors

Full moat analysis

Key risks

Weak Net Interest Margin Net interest margin proxy is weak (score 0.15).
Operational Inefficiency Operational efficiency lags peers (score 0.15).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Developing

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Signals, strengths and risks for Deposit Franchise

Lending Advantage

Weak

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Signals, strengths and risks for Lending Advantage

Capital Strength

Developing

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Signals, strengths and risks for Capital Strength

Cost Discipline

Weak

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Signals, strengths and risks for Cost Discipline

Revenue Diversification

Moderate

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Signals, strengths and risks for Revenue Diversification

Risk Management

Weak

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage

Click axes to expand details. Marker shows current allocation.

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Growth

59th percentile vs peers

Key Signals

Asset Growth YoY 12.6% 80p NII Growth YoY 8.6% 45p EPS Growth YoY 37.7% 71p Equity Growth YoY 5.9% 34p

Strengths

Asset Growth YoY in top 20% of peers (12.6%, 80th percentile)
ROE in top 20% of peers (13.7%, 81th percentile)
Dividends/Tangible Equity in top 20% of peers (0.0%, 98th percentile)

Risks

No significant risks identified for this axis.

Profitability

54th percentile vs peers

Key Signals

Strengths

Risks

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Safety

21th percentile vs peers

Key Signals

Strengths

Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Banco Bradesco Sa.

WACC X.X%

X%XX%

Rev CAGR 5Y X.X%

-XX%XX%

Op Margin XX.X%

-XX%XX%

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Bear

- - -

- upside

Base

$3.12

- - -

+21.9% vs current

Snapshot base estimate

Bull

- - -

- upside

Fair Value Range Current: $-

$- $- $-

Banco Bradesco Sa BBDO

Overview of Banco Bradesco S.A.

Quick Facts

Next Events

Fair Value Snapshot

Engine Room Money Flow™

Flow Steps

Money Flow Bridge

Data Quality Notes

Quality & Reliability Indicators

Return on Equity

Locked Metric

Locked Metric

Locked Metric

Locked Metric

Locked Metric

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Where It Leaks

Interest Drag

Key Metrics

Competitive Advantage Assessment

Key risks

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Deposit Franchise

Lending Advantage

Capital Strength

Cost Discipline

Revenue Diversification

Risk Management

Trade-Off Ledger™

Growth

Profitability

Safety

Two Futures

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