Banco do Brasil S.A.

Banco do Brasil S.A.

BBAS3.SA
Banco do Brasil S.A.BR flagB3 S.A.
19.82
BRL
-0.16
- -
113.15BMarket Cap
Banco do Brasil S.A.
BBAS3.SA
(B3 S.A.)

Recent

price

19.82

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
12.13
12.14
13.17
13.59
13
13.79
16.42
16.08
15.62
15.96
15.39
17.48
21.59
21.98
25.37
25.77
25.55
Revenue per Share
2.08
2.12
2.13
2.81
2.01
2.58
1.44
1.98
2.31
3.24
2.23
3.45
5.45
5.23
4.62
2.4
2.22
Basic EPS, GAAP
-5.42
4.46
0.46
0.46
-3.93
6.18
3.36
-7.91
5.07
9.11
36.03
-8.95
10.18
2.05
21.28
26.61
21.8
Free Cash Flow per Basic Share
0.98
0.41
0.22
0.6
0.17
0.28
- -
- -
- -
0.34
0.74
1.13
2.07
2.27
2.6
1.17
0.83
Dividend per Share
6.81
10
11.28
13.17
14.4
15.93
16.98
18.36
19.67
21.58
15.78
15.77
15.84
19.41
18.33
19.81
20.29
Book Value per Share
7.48
8.51
8.41
10.79
12.46
12.92
14.08
16.48
17.32
18.33
21.17
24.15
26.8
28.52
30.29
31.8
32.43
Tangible Book Value per Share
5,424
5,723
5,723
5,617
5,601
5,590
5,575
5,570
5,571
5,599
5,705
5,707
5,708
5,708
5,708
5,709
5,709
Basic Weighted Avg Shares
65,809
69,476
75,343
76,337
72,784
77,067
91,539
89,554
87,011
89,363
87,790
99,777
123,248
125,466
144,837
147,120
145,856
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
3,965
3,918
4,342
4,252
4,476
4,382
4,459
4,457
3,158
3,036
3,155
2,829
2,833
5,192
5,110
5,978
6,129
Depreciation Expense
11,296
12,126
12,205
15,758
11,246
14,400
8,034
11,011
12,862
18,162
12,697
19,710
31,112
29,861
26,359
13,698
12,656
Net Income, GAAP
31.54
25.21
23
24.17
11.79
- -
25.38
22.34
23.07
- -
- -
15.7
19.9
19.4
- -
- -
- -
Effective Tax Rate (%)
17.16
17.45
16.2
20.64
15.45
18.68
8.78
12.3
14.78
20.32
14.46
19.75
25.24
23.8
18.2
9.31
8.68
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
127,683
203,381
279,307
332,509
397,292
353,851
321,140
296,335
189,094
190,050
171,946
155,200
142,189
170,142
163,432
390,819
LT Debt
54,419
58,416
61,499
72,225
80,613
81,536
87,194
98,723
102,253
108,565
126,971
144,857
164,029
173,570
184,236
193,567
196,912
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
37.78
25.75
20.05
22.75
14.55
16.97
8.75
11.18
12.14
15.76
12.05
21.9
34.49
29.68
24.47
12.59
11.28
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5,708
5,708
5,708
Market Capitalization
126,113
125,143
131,308

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
195,645
200,866
233,807
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.12%
8.87%
5.06%
Free Cash Flow
38.28%
108.79%
25.05%
Net Income, GAAP
7.01%
9.86%
-48.03%
Sales/Revenue/Turnover
7.07%
11.2%
1.58%
Total Cash Common Dividend
- -
21.17%
-54.93%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
33,826
35,450
34,850
37,607
144,837
2025
37,351
34,678
35,420
41,016
147,120
2026
34,744
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.41
1.52
0.92
- -
4.62
2025
0.6
0.49
0.39
- -
2.4
2026
0.42
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.62
0.66
0.65
- -
2.6
2025
0.63
0.42
- -
- -
1.17
2026
0.29
- -
- -
- -
- -
Business
Banco do Brasil S.A. (BBAS3.SA) is a leading Brazilian multiple-service bank providing a comprehensive range of financial products and services, including retail and commercial banking, loans such as consumer, agribusiness, and working capital financing, deposits, savings accounts, credit and debit cards, asset management, foreign exchange transactions, insurance products covering life, property, and automobile; private pension plans, capitalization bonds, securities brokerage, consortium management, payments processing, trade finance, and investment fund management. The bank operates through key segments encompassing wholesale banking, corporate and investment banking, payments methods, insurance, pension and capitalization, fund management, and other ancillary services like credit recovery and digital equipment integration. It primarily serves individual clients, micro and small enterprises, agribusiness sectors, corporates, and government entities across Brazil, with international operations in over 20 countries including offices in major global financial centers. Founded in 1808 and headquartered in Brasília, Brazil, the bank remains majority state-owned and plays a pivotal role in national economic development, financing agriculture, commerce, exports, and social inclusion programs such as the Income Generation Program (Proger) and Export Financing Program (Proex). Banco do Brasil maintains subsidiaries and historical stakes in entities like Banco Patagonia in Argentina, while focusing on domestic dominance through extensive branch networks and digital platforms. In recent developments, Banco do Brasil launched a $700 million trade finance guarantee program with the Multilateral Investment Guarantee Agency (MIGA) in June 2025, backed by initial tranches from BBVA and HSBC, aimed at boosting clean energy projects and micro, small, and medium-sized enterprise (MSME) exports. The bank continues to emphasize digital transformation, sustainable finance, and agribusiness lending amid fintech competition, with ongoing leadership transitions supporting profit margin improvements as of 2025. These initiatives align with strategic expansions in ESG finance and financial inclusion for Brazil's growing middle class.