Banco Bradesco Sa BBD

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
31/100
Developing

Ranked against 399 peers in Banks - Regional

About Banco Bradesco Sa

Banco Bradesco S.A., together with its subsidiaries, provides various banking products and services in Brazil and internationally. The company operates in two segments, Banking and Insurance. It engages in banking operations, including investment, national, international, and private banking, as well as investment fund management, consortium administration, middle market and corporate activities, and leasing. The company also provides retail banking products, … Full BBD analysis →

Key risks

  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.07).
  • Operational Inefficiency Operational efficiency lags peers (score 0.07).

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
46
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where BBD ranks in Banks - Regional

Banco Bradesco Sa ranks #317 of 393 scored companies in Banks - Regional by moat score — the top 81%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
313 ConnectOne Bancorp, Inc. CNOB 31/100 Developing
314 ConnectOne Bancorp, Inc. - Depo CNOBP 31/100 Developing
315 Finward Bancorp FNWD 31/100 Developing
316 SR Bancorp, Inc. SRBK 31/100 Developing
317 Banco Bradesco Sa BBD 31/100 Developing
318 Inter & Co. Inc. INTR 30/100 Developing
319 First Western Financial, Inc. MYFW 30/100 Developing
320 MainStreet Bancshares, Inc. - D MNSBP 30/100 Developing
321 MainStreet Bancshares, Inc. MNSB 30/100 Developing

See every Banks & Lenders company ranked by moat score →

How BBD scores on the Bank Specialized defenses

Deposit Franchise

Score 46 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 11 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 36 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 9 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 65 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 11 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding BBD's moat

What is Banco Bradesco Sa's moat score?

Banco Bradesco Sa (BBD) scores 31 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as developing. It ranks #317 of 393 scored companies in Banks - Regional, the top 81%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Revenue Diversification (65/100) and its weakest is Cost Discipline (9/100).

How does Banco Bradesco Sa compare with other Banks - Regional companies?

Banco Bradesco Sa ranks #317 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are SR Bancorp, Inc. (SRBK) at 31 just above it and Inter & Co. Inc. (INTR) at 30 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is Banco Bradesco Sa scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for Banco Bradesco Sa?

The Bank Specialized template measures 6 defenses, and BBD scores: Deposit Franchise (46), Lending Advantage (11), Capital Strength (36), Cost Discipline (9), Revenue Diversification (65), Risk Management (11). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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