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    Banks - Regional
Banco Bradesco S.A.

Banco Bradesco S.A.

BBDC3.SA
Banco Bradesco S.A.BR flagB3 S.A.
15.55
BRL
-0.33
- -
164.45BMarket Cap
Banco Bradesco S.A.
BBDC3.SA
(B3 S.A.)

Recent

price

15.55

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
4.45
9.66
11.28
5.39
6.35
12.41
17.98
17.02
8.3
9.29
7.7
9.59
10.2
9.24
9.92
11.14
11.44
Revenue per Share
0.94
2.05
2.11
1.16
1.43
3.38
3.34
3.19
1.55
1.97
1.48
2.17
0.95
0.64
0.77
1.07
2.2
Basic EPS, GAAP
-2.97
-7.86
8.82
8.85
7.28
-0.78
-0.96
-1.05
-0.51
-0.5
-0.4
-9.97
3.78
-0.86
-0.76
-1.1
8.97
Free Cash Flow per Basic Share
0.28
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
0.07
5.74
5.72
3.64
3.67
8.43
10.45
12.4
6.47
7.07
7.38
7.88
8.17
8.11
7.97
8.23
8.88
Book Value per Share
2.98
9.74
11.89
5.97
6.98
15.58
16.74
18.94
10.15
11.3
12.29
12.67
13.23
13.62
13.68
14.48
14.54
Tangible Book Value per Share
10,557
5,357
5,359
10,708
10,705
5,359
5,359
5,359
10,692
10,692
10,692
10,677
10,676
10,642
10,614
10,579
10,573
Basic Weighted Avg Shares
47,028
51,746
60,438
57,749
68,027
66,507
96,372
91,194
88,791
99,281
82,369
102,429
108,847
98,334
105,330
117,814
120,924
Sales/Revenue/Turnover
32.28
- -
25.65
22.96
26.37
8.62
31.34
26.04
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1,966
2,118
2,488
2,741
2,933
2,942
3,657
4,569
4,808
5,866
5,921
5,773
5,663
6,520
6,734
7,063
7,204
Depreciation Expense
9,940
10,958
11,292
12,396
15,315
18,133
17,894
17,089
16,584
21,023
15,837
23,172
21,223
14,251
17,253
23,673
23,246
Net Income, GAAP
34.4
24.1
26.49
12.8
20.25
- -
43.61
27.08
13.85
- -
- -
28.83
12.85
- -
- -
- -
33.2
Effective Tax Rate (%)
21.14
21.18
18.68
21.47
22.51
27.26
18.57
18.74
18.68
21.18
19.23
22.62
19.5
14.49
16.38
20.09
19.22
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
44,125
73,880
92,711
100,784
128,458
167,703
212,279
193,774
218,260
241,198
217,913
238,942
349,227
359,485
406,481
448,686
466,461
LT Debt
51,159
59,382
71,346
72,103
82,292
90,915
105,479
117,694
124,676
135,544
146,117
150,229
160,011
167,014
168,942
178,949
180,290
Total Equity
10.2
- -
7.41
6.69
7.29
- -
5.61
5.44
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
121.69
69.72
36.8
35.58
39.13
42.94
35.36
27.91
24.46
29.06
20.51
28.44
11.8
7.82
9.61
13.14
26.08
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
430,760
445,439
463,371
LT Finance Leases
3,452
3,247
3,090
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
10,577
10,577
10,571
Market Capitalization
161,202
165,118
176,680

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
265,440
272,343
295,792
Accounts Receivable, Net
5,804
5,905
7,462
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
62,188
62,077
72,442
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.08%
4.15%
5.92%
Free Cash Flow
217.49%
433.41%
44.51%
Net Income, GAAP
5.67%
12.67%
37.21%
Sales/Revenue/Turnover
7.16%
7.98%
11.85%
Total Cash Common Dividend
- -
- -
37.21%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
24,731
25,693
24,913
29,701
105,330
2025
30,162
30,306
27,979
29,711
117,814
2026
32,928
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.39
0.37
0.44
- -
0.77
2025
0.53
- -
- -
- -
1.07
2026
0.49
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Banco Bradesco S.A. (BBDC3.SA) operates as one of Brazil's largest private-sector financial institutions, providing a comprehensive range of banking, insurance, and asset management services to individuals, small and medium-sized enterprises, corporations, and institutional clients worldwide; core offerings include current, savings, salary, and digital accounts; personal, payroll, mortgage, vehicle, real estate, microcredit, agribusiness, and overdraft loans; debit, credit, and business cards; leasing; consortiums; car, life, health, dental, travel, personal accident, and property insurance; pension plans; investment products; asset management via BRAM; brokerage services; foreign exchange; capitalization bonds; payment processing; and internet, mobile, and biometric-enabled digital banking platforms, supported by over 5,000 branches, extensive ATM networks, and subsidiaries like Bradesco Seguros and Next digital bank. Founded in 1943 by Amador Aguiar in Marília, São Paulo state, and headquartered in Osasco, Brazil, the bank maintains a dominant presence across Brazil with international operations through branches and subsidiaries in the United States (Bradesco Bank, formerly BAC Florida Bank), New York, Grand Cayman, Cayman Islands, London, Luxembourg, Hong Kong, Buenos Aires, Tokyo, Mexico, and Europe. Recent strategic developments include the November 2025 expansion of its Atlântica D'Or healthcare partnership with Rede D'Or São Luiz to incorporate Maternidade São Luiz Star hospital, maintaining a 50.01%/49.99% ownership split pending regulatory approvals; a November 2025 strategic alliance with John Deere for agribusiness financing; relaunches of Ágora investment platform, Veloe payments, and BIA AI assistant; acquisitions of Digio and Bradesco Invest Us digital platforms; ongoing digital transformation with Next bank enhancements; and commitments to net-zero emissions as the first Brazilian bank to do so, alongside sustainability initiatives like Open Finance participation.