Banco Bradesco S.A. Logo

Banco Bradesco S.A.

BBDC4.SA

(2.2)
Stock Price

15,10 BRL

0.73% ROA

8.62% ROE

13.19x PER

Market Cap.

159.955.371.198,00 BRL

209% DER

5.79% Yield

9.55% NPM

Banco Bradesco S.A. Stock Analysis

Banco Bradesco S.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Banco Bradesco S.A. Fundamental Stock Analysis
# Analysis Rating
1 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

2 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

3 ROE

ROE in an average range (9.89%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (0.87%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's PBV ratio (1.03x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

7 Buffet Intrinsic Value

The company's stock seems undervalued (97) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

8 DER

The company has a high debt to equity ratio (208%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

11 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

Banco Bradesco S.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Banco Bradesco S.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Banco Bradesco S.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Banco Bradesco S.A. Revenue
Year Revenue Growth
2000 13.348.946.940
2001 19.098.595.200 30.11%
2002 21.430.070.280 10.88%
2003 26.004.037.210 17.59%
2004 29.094.262.160 10.62%
2005 36.400.159.110 20.07%
2006 41.688.242.500 12.68%
2007 47.649.205.760 12.51%
2008 48.269.000.000 1.28%
2009 64.223.000.000 24.84%
2010 67.123.000.000 4.32%
2011 51.904.639.000 -29.32%
2012 60.765.478.000 14.58%
2013 57.749.377.000 -5.22%
2014 68.027.291.000 15.11%
2015 66.507.257.000 -2.29%
2016 96.371.930.000 30.99%
2017 91.193.634.000 -5.68%
2018 88.790.748.000 -2.71%
2019 99.281.023.000 10.57%
2020 82.368.591.000 -20.53%
2021 102.428.576.000 19.58%
2022 109.001.110.000 6.03%
2023 98.229.636.000 -10.97%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Banco Bradesco S.A. Research and Development Expenses
Year Research and Development Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Banco Bradesco S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2000 0
2001 6.579.075.900 100%
2002 7.607.073.180 13.51%
2003 12.867.858.200 40.88%
2004 9.689.233.920 -32.81%
2005 10.691.919.210 9.38%
2006 12.180.840.000 12.22%
2007 12.778.504.960 4.68%
2008 22.041.000.000 42.02%
2009 24.354.000.000 9.5%
2010 28.287.000.000 13.9%
2011 21.745.961.000 -30.08%
2012 22.829.235.000 4.75%
2013 23.797.479.000 4.07%
2014 25.812.698.000 7.81%
2015 26.816.709.000 3.74%
2016 32.028.687.000 16.27%
2017 36.662.875.000 12.64%
2018 34.609.362.000 -5.93%
2019 39.715.428.000 12.86%
2020 33.397.520.000 -18.92%
2021 34.666.743.000 3.66%
2022 37.323.496.000 7.12%
2023 36.114.556.000 -3.35%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Banco Bradesco S.A. EBITDA
Year EBITDA Growth
2000 4.320.956.240
2001 12.556.676.100 65.59%
2002 17.886.710.460 29.8%
2003 13.320.829.890 -34.28%
2004 13.917.649.600 4.29%
2005 21.881.191.290 36.39%
2006 22.425.370.000 2.43%
2007 25.361.157.120 11.58%
2008 36.732.000.000 30.96%
2009 36.367.000.000 -1%
2010 42.918.000.000 15.26%
2011 63.428.402.000 32.34%
2012 57.621.119.000 -10.08%
2013 58.364.196.000 1.27%
2014 76.009.272.000 23.21%
2015 83.852.797.000 9.35%
2016 126.501.511.000 33.71%
2017 103.676.303.000 -22.02%
2018 79.330.415.000 -30.69%
2019 19.096.662.000 -315.42%
2020 9.799.226.000 -94.88%
2021 38.416.785.000 74.49%
2022 160.950.917.000 76.13%
2023 14.595.248.000 -1002.76%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Banco Bradesco S.A. Gross Profit
Year Gross Profit Growth
2000 13.348.946.940
2001 19.098.595.200 30.11%
2002 21.430.070.280 10.88%
2003 26.004.037.210 17.59%
2004 29.094.262.160 10.62%
2005 36.400.159.110 20.07%
2006 41.688.242.500 12.68%
2007 47.649.205.760 12.51%
2008 48.269.000.000 1.28%
2009 64.223.000.000 24.84%
2010 67.123.000.000 4.32%
2011 51.904.639.000 -29.32%
2012 60.765.478.000 14.58%
2013 57.749.377.000 -5.22%
2014 68.027.291.000 15.11%
2015 66.507.257.000 -2.29%
2016 96.371.930.000 30.99%
2017 91.193.634.000 -5.68%
2018 88.790.748.000 -2.71%
2019 99.281.023.000 10.57%
2020 82.368.591.000 -20.53%
2021 102.428.576.000 19.58%
2022 109.001.110.000 6.03%
2023 98.229.636.000 -10.97%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Banco Bradesco S.A. Net Profit
Year Net Profit Growth
2000 3.507.852.110
2001 2.268.887.100 -54.61%
2002 2.141.591.100 -5.94%
2003 2.293.710.150 6.63%
2004 3.328.018.120 31.08%
2005 6.306.807.990 47.23%
2006 6.446.547.500 2.17%
2007 7.907.111.680 18.47%
2008 7.018.000.000 -12.67%
2009 9.216.000.000 23.85%
2010 9.662.000.000 4.62%
2011 10.958.054.000 11.83%
2012 11.291.570.000 2.95%
2013 12.395.920.000 8.91%
2014 15.314.943.000 19.06%
2015 18.132.906.000 15.54%
2016 17.894.249.000 -1.33%
2017 17.089.364.000 -4.71%
2018 16.583.915.000 -3.05%
2019 21.023.023.000 21.12%
2020 15.836.862.000 -32.75%
2021 23.172.322.000 31.66%
2022 20.983.690.000 -10.43%
2023 13.599.900.000 -54.29%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Banco Bradesco S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2000 0
2001 0 0%
2002 1.280 100%
2003 0 0%
2004 0 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 100%
2013 1 0%
2014 1 0%
2015 2 0%
2016 2 0%
2017 2 0%
2018 2 0%
2019 2 0%
2020 1 0%
2021 2 50%
2022 2 -100%
2023 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Banco Bradesco S.A. Free Cashflow
Year Free Cashflow Growth
2001 -178.817.100
2002 11.054.857.860 101.62%
2003 -8.828.620.200 225.22%
2004 12.998.659.760 167.92%
2005 3.927.453.180 -230.97%
2006 -15.464.890.000 125.4%
2007 22.441.169.920 168.91%
2008 -27.844.000.000 180.6%
2009 17.091.000.000 262.92%
2010 5.124.000.000 -233.55%
2011 -41.991.954.000 112.2%
2012 47.369.853.000 188.65%
2013 96.136.962.000 50.73%
2014 78.587.484.000 -22.33%
2015 -65.507.595.000 219.97%
2016 48.836.400.000 234.14%
2017 29.910.439.000 -63.28%
2018 -11.939.907.000 350.51%
2019 -24.779.471.000 51.82%
2020 138.168.076.000 117.93%
2021 -106.405.420.000 229.85%
2022 32.354.109.000 428.88%
2023 78.012.120.000 58.53%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Banco Bradesco S.A. Operating Cashflow
Year Operating Cashflow Growth
2001 373.890.300
2002 11.713.264.380 96.81%
2003 -8.046.739.130 245.57%
2004 13.500.651.320 159.6%
2005 4.205.316.990 -221.04%
2006 -14.938.162.500 128.15%
2007 23.131.996.160 164.58%
2008 -25.733.000.000 189.89%
2009 18.821.000.000 236.72%
2010 7.949.000.000 -136.77%
2011 -37.060.630.000 121.45%
2012 51.612.398.000 171.81%
2013 99.832.509.000 48.3%
2014 81.417.349.000 -22.62%
2015 -61.354.165.000 232.7%
2016 53.959.218.000 213.7%
2017 35.551.788.000 -51.78%
2018 -6.497.318.000 647.18%
2019 -19.453.969.000 66.6%
2020 142.432.591.000 113.66%
2021 -101.995.305.000 239.65%
2022 41.766.349.000 344.2%
2023 79.570.194.000 47.51%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Banco Bradesco S.A. Capital Expenditure
Year Capital Expenditure Growth
2001 552.707.400
2002 658.406.520 16.05%
2003 781.881.070 15.79%
2004 501.991.560 -55.76%
2005 277.863.810 -80.66%
2006 526.727.500 47.25%
2007 690.826.240 23.75%
2008 2.111.000.000 67.27%
2009 1.730.000.000 -22.02%
2010 2.825.000.000 38.76%
2011 4.931.324.000 42.71%
2012 4.242.545.000 -16.24%
2013 3.695.547.000 -14.8%
2014 2.829.865.000 -30.59%
2015 4.153.430.000 31.87%
2016 5.122.818.000 18.92%
2017 5.641.349.000 9.19%
2018 5.442.589.000 -3.65%
2019 5.325.502.000 -2.2%
2020 4.264.515.000 -24.88%
2021 4.410.115.000 3.3%
2022 9.412.240.000 53.14%
2023 1.558.074.000 -504.09%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Banco Bradesco S.A. Equity
Year Equity Growth
2000 15.367.083.090
2001 9.788.494.500 -56.99%
2002 10.853.088.120 9.81%
2003 13.537.217.640 19.83%
2004 15.564.394.400 13.02%
2005 20.207.003.460 22.98%
2006 26.402.482.500 23.47%
2007 33.086.659.840 20.2%
2008 36.930.000.000 10.41%
2009 45.770.000.000 19.31%
2010 52.715.000.000 13.17%
2011 59.139.046.000 10.86%
2012 71.137.709.000 16.87%
2013 71.884.306.000 1.04%
2014 82.167.741.000 12.52%
2015 90.789.427.000 9.5%
2016 105.302.444.000 13.78%
2017 117.403.831.000 10.31%
2018 124.676.120.000 5.83%
2019 135.543.574.000 8.02%
2020 146.117.374.000 7.24%
2021 150.228.707.000 2.74%
2022 158.741.264.000 5.36%
2023 166.886.152.000 4.88%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Banco Bradesco S.A. Assets
Year Assets Growth
2000 179.101.296.280
2001 108.293.493.600 -65.39%
2002 129.875.995.800 16.62%
2003 165.657.805.890 21.6%
2004 177.125.995.520 6.47%
2005 206.464.485.780 14.21%
2006 258.644.527.500 20.17%
2007 334.480.972.800 22.67%
2008 435.290.000.000 23.16%
2009 496.815.000.000 12.38%
2010 621.612.000.000 20.08%
2011 722.086.892.000 13.91%
2012 801.186.699.000 9.87%
2013 838.301.614.000 4.43%
2014 930.451.016.000 9.9%
2015 1.026.703.522.000 9.37%
2016 1.192.029.656.000 13.87%
2017 1.224.353.440.000 2.64%
2018 1.305.543.714.000 6.22%
2019 1.378.527.685.000 5.29%
2020 1.604.653.790.000 14.09%
2021 1.675.572.193.000 4.23%
2022 1.799.615.675.000 6.89%
2023 1.895.059.109.000 5.04%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Banco Bradesco S.A. Liabilities
Year Liabilities Growth
2000 163.734.213.190
2001 98.419.074.000 -66.36%
2002 118.821.137.940 17.17%
2003 152.048.459.000 21.85%
2004 161.489.888.040 5.85%
2005 186.168.752.700 13.26%
2006 232.148.215.000 19.81%
2007 301.112.997.120 22.9%
2008 398.360.000.000 24.41%
2009 450.705.000.000 11.61%
2010 568.780.000.000 20.76%
2011 662.704.798.000 14.17%
2012 729.840.309.000 9.2%
2013 766.198.688.000 4.75%
2014 848.159.211.000 9.66%
2015 935.788.760.000 9.36%
2016 1.086.550.449.000 13.88%
2017 1.106.659.736.000 1.82%
2018 1.180.867.594.000 6.28%
2019 242.278.876.000 -387.4%
2020 219.162.760.000 -10.55%
2021 239.149.599.000 8.36%
2022 1.640.874.411.000 85.43%
2023 349.320.025.000 -369.73%

Banco Bradesco S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
9.02
Net Income per Share
1.2
Price to Earning Ratio
13.19x
Price To Sales Ratio
1.56x
POCF Ratio
3.71
PFCF Ratio
3.93
Price to Book Ratio
1.08
EV to Sales
3.41
EV Over EBITDA
3.88
EV to Operating CashFlow
7.22
EV to FreeCashFlow
8.58
Earnings Yield
0.08
FreeCashFlow Yield
0.25
Market Cap
159,96 Bil.
Enterprise Value
348,75 Bil.
Graham Number
19.9
Graham NetNet
-1.94

Income Statement Metrics

Net Income per Share
1.2
Income Quality
5.46
ROE
0.08
Return On Assets
0.01
Return On Capital Employed
0.04
Net Income per EBT
1.47
EBT Per Ebit
0.19
Ebit per Revenue
0.34
Effective Tax Rate
-0.44

Margins

Sales, General, & Administrative to Revenue
0.36
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.34
Pretax Profit Margin
0.06
Net Profit Margin
0.1

Dividends

Dividend Yield
0.06
Dividend Yield %
5.79
Payout Ratio
0
Dividend Per Share
0.92

Operating Metrics

Operating Cashflow per Share
4.26
Free CashFlow per Share
3.59
Capex to Operating CashFlow
-0.16
Capex to Revenue
-0.07
Capex to Depreciation
-1.19
Return on Invested Capital
0.25
Return on Tangible Assets
0.01
Days Sales Outstanding
88.3
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
4.13
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.67

Balance Sheet

Cash per Share
27,24
Book Value per Share
14,67
Tangible Book Value per Share
134.65
Shareholders Equity per Share
14.67
Interest Debt per Share
44.3
Debt to Equity
2.09
Debt to Assets
0.18
Net Debt to EBITDA
2.1
Current Ratio
0
Tangible Asset Value
1.526,06 Bil.
Net Current Asset Value
-15,85 Bil.
Invested Capital
2.09
Working Capital
333,47 Bil.
Intangibles to Total Assets
0.01
Average Receivables
24,90 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
2.17

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Banco Bradesco S.A. Dividends
Year Dividends Growth
2008 1
2009 0 0%
2010 1 0%
2011 1 100%
2012 1 0%
2013 1 0%
2014 1 100%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 3 50%
2020 1 0%
2021 0 0%
2022 0 0%
2023 0 0%

Banco Bradesco S.A. Profile

About Banco Bradesco S.A.

Banco Bradesco S.A., together with its subsidiaries, provides various banking products and services to individuals, corporates, and businesses in Brazil and internationally. The company operates through two segment, Banking and Insurance. It provides current, savings, click, and salary accounts; real estate credit, vehicle financing, payroll loans, mortgage loans, microcredit, leasing, and personal and installment credit; debit and business cards; financial and security services; consortium products; auto, personal accident, dental, travel, and life insurance; investment products; pension products; real estate and vehicle auctions; cash management, and foreign trade and exchange services; capitalization bonds; and internet banking services. Banco Bradesco S.A. was founded in 1943 and is headquartered in Osasco, Brazil.

CEO
Mr. Marcelo de Araujo Noronha
Employee
74.746
Address
Cidade De Deus, S/N
Osasco, 06029-900

Banco Bradesco S.A. Executives & BODs

Banco Bradesco S.A. Executives & BODs
# Name Age
1 Mr. Marcelo de Araujo Noronha
Chief Executive Officer & Member of Executive Board
70
2 Mr. Cassiano Ricardo Scarpelli
Chief Financial Officer, Executive Vice President of Director & Member of Executive Board
70
3 Mr. Moacir Nachbar Jr., Junior
Executive Vice President of Director, Chief Risk Officer & Member of Executive Board
70
4 Mr. Antonio Jose da Barbara
Managing Executive Officer & Member of Executive Board
70
5 Mr. Jose Ramos Rocha Neto
Executive Vice President & Member of the Executive Board
70
6 Mr. Joao Carlos Gomes da Silva
Executive Managing Officer & Member of Board of Executive Officers
70
7 Mr. Eurico Ramos Fabri
Executive Vice President of Director & Member of Executive Board
70
8 Mr. Guilherme Muller Leal
Executive Managing Officers & Member of Executive Board
70
9 Mr. Roberto de Jesus Paris
Managing Executive Officer & Member of Executive Board
70
10 Mr. Rogerio Pedro Camara
Executive Vice President of Director & Member of Executive Board
70

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