Banco Bradesco S.A.

Banco Bradesco S.A.

BBDO
Banco Bradesco S.A.US flagNew York Stock Exchange
3.19
USD
+0.06
- -
33.74BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
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
11.05
Basic EPS, GAAP
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
2.12
Free Cash Flow per Basic Share
8.85
7.28
-12.22
9.11
5.58
-1.12
-2.32
12.92
-9.97
3.78
-0.88
3.97
-7.01
8.67
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
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
8.58
Tangible Book Value per Share
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
14.05
Basic Weighted Avg Shares
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
10,943
Sales/Revenue/Turnover
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
Operating Margin (%)
22.96
26.37
8.62
31.34
26.04
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
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
Net Income, GAAP
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
Effective Tax Rate (%)
12.8
20.25
- -
43.61
27.08
13.85
- -
- -
28.83
12.85
- -
- -
- -
33.2
Profit Margin (%)
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
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
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
Total Equity
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
Return on Invested Capital (%)
6.69
7.29
- -
5.61
5.44
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
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

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
170,882
172,530
187,321

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
-216.98%
-253.3%
-275.83%
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
0.55
0.49
- -
1.07
2026
0.49
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Marcelo de Araújo Noronha
Full Time Employees
82,095
Sector
Financial Services
Industry
Banks
Address
Cidade De Deus, S/N Osasco SP Brazil 06029-900
IPO Date
Mar 13, 2012
Business
Banco Bradesco S.A. is a leading Brazilian financial services company founded in 1943 and headquartered in Osasco, São Paulo, Brazil. It operates primarily through two segments: Banking and Insurance, offering a comprehensive portfolio of financial products and services including retail banking, commercial banking, lending and deposit-taking; credit card issuance; consortium services; insurance products; leasing; payment processing; collection services; supplementary pension plans; asset management; brokerage and intermediation services. The bank serves individuals, small and medium enterprises, and large corporations across Brazil and maintains an international presence with branches and subsidiaries in locations such as New York, London, Luxembourg, Hong Kong, Buenos Aires, Grand Cayman, Tokyo, and Mexico. Recent major developments include Bradesco's strategic expansion in digital banking through partnerships with fintech startups to enhance personal finance solutions and digital user engagement. The company also completed acquisitions and integrations of Brazilian operations from Banco Bilbao Vizcaya Argentaria (BBVA), HSBC Brasil, and JPMorgan Chase’s Brazilian private banking clients. Additionally, Bradesco acquired BNP Paribas’s Brazilian wealth management operations and rebranded BAC Florida Bank as Bradesco Bank, extending its footprint in the U.S. market. These moves align with the bank's strategic focus on cost efficiency, risk management with less risky lending, and bolstering technological capabilities to drive growth. Under CEO Marcelo Noronha's leadership since 2023, Bradesco's shares have surged significantly, supported by improved profitability and ongoing business turnaround efforts. Banco Bradesco is among the largest financial institutions in Latin America by assets, serving millions of customers via its extensive branch network, ATMs, and digital platforms. It operates a pioneering biometric ATM system and offers varied financial products such as internet banking, savings bonds, insurance, pension plans, credit cards—including affinity cards tied to football clubs—and leasing services. The company consistently adapts its business model through acquisitions, technological innovation, and expansion of financial services to maintain a competitive leadership position in Brazil and Latin America. Bradesco operates subsidiaries and affiliates that provide asset management, brokerage, and insurance services under the larger corporate structure while focusing on retail, commercial, and private banking markets. The bank's ability to balance traditional banking services with digital innovation and strategic acquisitions underpins its robust asset base and market valuation. Its recent financial performance reflects growing net income and enhanced capital management, positioning the company for continued growth in a dynamic financial environment.

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