Banco do Brasil S.A. Logo

Banco do Brasil S.A.

BDORY

(3.5)
Stock Price

4,40 USD

1.39% ROA

19.11% ROE

4.73x PER

Market Cap.

152.629.368.016,94 USD

613.08% DER

14.22% Yield

14.68% NPM

Banco do Brasil S.A. Stock Analysis

Banco do Brasil 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 do Brasil S.A. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (20.64%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 PBV

The stock's low PBV ratio (0.85x) suggests it's undervalued, making it an attractive opportunity for investors.

3 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.

4 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.

5 ROA

The stock's ROA (1.59%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 DER

The stock maintains a fair debt to equity ratio (85%), indicating a reasonable balance between the money it owes and the ownership it possesses.

7 Revenue Growth

Over the past three years, this company's revenue has consistently grown, demonstrating a positive financial trend that makes it an appealing choice.

8 Net Profit Growth

The net profit of this company has shown steady growth over the past three years, highlighting its positive financial trajectory and making it an appealing choice for potential investors.

9 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

10 Buffet Intrinsic Value

The company's stock seems undervalued (241) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

11 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

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

Banco do Brasil 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 do Brasil S.A. Revenue
Year Revenue Growth
2005 31.487.437.000
2006 31.973.364.000 1.52%
2007 35.757.351.000 10.58%
2008 37.302.615.000 4.14%
2009 48.716.994.000 23.43%
2010 65.809.405.000 25.97%
2011 73.427.146.000 10.37%
2012 75.573.388.000 2.84%
2013 77.204.194.000 2.11%
2014 87.105.138.000 11.37%
2015 73.424.832.000 -18.63%
2016 91.539.057.000 19.79%
2017 89.354.661.000 -2.44%
2018 87.152.980.000 -2.53%
2019 89.046.908.000 2.13%
2020 87.334.965.000 -1.96%
2021 97.529.221.000 10.45%
2022 123.382.876.000 20.95%
2023 131.967.128.000 6.5%
2023 310.001.213.000 57.43%
2024 312.608.040.000 0.83%

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 do Brasil S.A. Research and Development Expenses
Year Research and Development Expenses Growth
2005 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%
2023 0 0%
2024 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 do Brasil S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 5.670.208.000
2006 5.873.116.000 3.45%
2007 6.735.444.000 12.8%
2008 7.917.260.000 14.93%
2009 11.211.953.000 29.39%
2010 8.630.926.000 -29.9%
2011 17.681.895.000 51.19%
2012 9.577.752.000 -84.61%
2013 10.271.278.000 6.75%
2014 10.466.865.000 1.87%
2015 9.110.851.000 -14.88%
2016 9.215.977.000 1.14%
2017 9.274.335.000 0.63%
2018 7.723.061.000 -20.09%
2019 7.763.619.000 0.52%
2020 7.942.571.000 2.25%
2021 7.983.862.000 0.52%
2022 7.732.050.000 -3.26%
2023 7.876.216.000 1.83%
2023 8.008.388.000 1.65%
2024 9.261.792.000 13.53%

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 do Brasil S.A. EBITDA
Year EBITDA Growth
2005 24.389.564.000
2006 25.330.669.000 3.72%
2007 27.443.730.000 7.7%
2008 56.842.487.000 51.72%
2009 64.088.527.000 11.31%
2010 63.542.949.000 -0.86%
2011 31.401.962.000 -102.35%
2012 80.796.692.000 61.13%
2013 94.030.584.000 14.07%
2014 114.300.663.000 17.73%
2015 148.163.206.000 22.85%
2016 127.950.790.000 -15.8%
2017 102.706.397.000 -24.58%
2018 100.756.919.000 -1.93%
2019 14.341.164.000 -602.57%
2020 17.305.456.000 17.13%
2021 26.980.396.000 35.86%
2022 201.666.513.000 86.62%
2023 49.658.632.000 -306.11%
2023 8.981.904.000 -452.87%
2024 9.323.320.000 3.66%

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 do Brasil S.A. Gross Profit
Year Gross Profit Growth
2005 31.487.437.000
2006 31.973.364.000 1.52%
2007 35.757.351.000 10.58%
2008 37.302.615.000 4.14%
2009 48.716.994.000 23.43%
2010 65.809.405.000 25.97%
2011 73.427.146.000 10.37%
2012 75.573.388.000 2.84%
2013 77.204.194.000 2.11%
2014 87.105.138.000 11.37%
2015 73.424.832.000 -18.63%
2016 91.539.057.000 19.79%
2017 89.354.661.000 -2.44%
2018 87.152.980.000 -2.53%
2019 89.046.908.000 2.13%
2020 87.334.965.000 -1.96%
2021 97.529.221.000 10.45%
2022 123.382.876.000 20.95%
2023 131.967.128.000 6.5%
2023 310.001.213.000 57.43%
2024 312.608.040.000 0.83%

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 do Brasil S.A. Net Profit
Year Net Profit Growth
2005 4.153.602.000
2006 6.043.777.000 31.27%
2007 5.058.119.000 -19.49%
2008 8.802.869.000 42.54%
2009 10.148.111.000 13.26%
2010 11.296.009.000 10.16%
2011 14.009.664.000 19.37%
2012 12.205.120.000 -14.79%
2013 15.757.937.000 22.55%
2014 11.245.814.000 -40.12%
2015 14.399.559.000 21.9%
2016 8.033.556.000 -79.24%
2017 11.010.776.000 27.04%
2018 12.862.026.000 14.39%
2019 18.162.067.000 29.18%
2020 12.697.385.000 -43.04%
2021 19.710.402.000 35.58%
2022 31.112.242.000 36.65%
2023 32.140.236.000 3.2%
2023 33.818.951.000 4.96%
2024 34.787.828.000 2.79%

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 do Brasil S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 2
2006 7 85.71%
2007 2 -250%
2008 3 33.33%
2009 4 0%
2010 4 25%
2011 5 0%
2012 4 0%
2013 6 20%
2014 4 -25%
2015 5 20%
2016 3 -150%
2017 4 33.33%
2018 5 25%
2019 6 33.33%
2020 4 -50%
2021 7 33.33%
2022 10 33.33%
2023 11 18.18%
2023 10 -10%
2024 6 -66.67%

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 do Brasil S.A. Free Cashflow
Year Free Cashflow Growth
2005 -7.098.692.000
2006 -40.356.000.000 82.41%
2007 -52.800.319.000 23.57%
2008 -36.230.529.000 -45.73%
2009 -35.001.241.000 -3.51%
2010 -29.416.606.000 -18.98%
2011 25.529.779.000 215.22%
2012 623.918.000 -3991.85%
2013 -4.146.007.000 115.05%
2014 -18.465.186.000 77.55%
2015 34.543.417.000 153.46%
2016 18.735.614.000 -84.37%
2017 -44.046.054.000 142.54%
2018 28.232.576.000 256.01%
2019 50.980.388.000 44.62%
2020 205.560.954.000 75.2%
2021 -51.101.224.000 502.26%
2022 58.101.859.000 187.95%
2023 35.748.666.000 -62.53%
2023 -12.982.251.000 375.37%
2024 -13.725.763.000 5.42%

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 do Brasil S.A. Operating Cashflow
Year Operating Cashflow Growth
2005 -6.402.666.000
2006 -40.019.598.000 84%
2007 -51.481.212.000 22.26%
2008 -27.138.230.000 -89.7%
2009 -32.033.026.000 15.28%
2010 -23.183.893.000 -38.17%
2011 32.093.982.000 172.24%
2012 4.695.876.000 -583.45%
2013 2.603.653.000 -80.36%
2014 -14.346.433.000 118.15%
2015 37.619.440.000 138.14%
2016 23.242.852.000 -61.85%
2017 -40.783.371.000 156.99%
2018 30.250.512.000 234.82%
2019 55.374.041.000 45.37%
2020 209.330.358.000 73.55%
2021 -46.191.952.000 553.17%
2022 64.694.673.000 171.4%
2023 40.780.206.000 -58.64%
2023 -12.088.662.000 437.34%
2024 -12.612.155.000 4.15%

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 do Brasil S.A. Capital Expenditure
Year Capital Expenditure Growth
2005 696.026.000
2006 336.402.000 -106.9%
2007 1.319.107.000 74.5%
2008 9.092.299.000 85.49%
2009 2.968.215.000 -206.32%
2010 6.232.713.000 52.38%
2011 6.564.203.000 5.05%
2012 4.071.958.000 -61.21%
2013 6.749.660.000 39.67%
2014 4.118.753.000 -63.88%
2015 3.076.023.000 -33.9%
2016 4.507.238.000 31.75%
2017 3.262.683.000 -38.15%
2018 2.017.936.000 -61.68%
2019 4.393.653.000 54.07%
2020 3.769.404.000 -16.56%
2021 4.909.272.000 23.22%
2022 6.592.814.000 25.54%
2023 5.031.540.000 -31.03%
2023 893.589.000 -463.07%
2024 1.113.608.000 19.76%

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 do Brasil S.A. Equity
Year Equity Growth
2005 16.849.764.000
2006 20.758.158.000 18.83%
2007 24.262.096.000 14.44%
2008 29.937.146.000 18.96%
2009 36.119.265.000 17.12%
2010 54.418.936.000 33.63%
2011 58.416.370.000 6.84%
2012 66.069.965.000 11.58%
2013 72.224.795.000 8.52%
2014 80.613.194.000 10.41%
2015 81.536.173.000 1.13%
2016 87.193.752.000 6.49%
2017 98.723.402.000 11.68%
2018 102.252.882.000 3.45%
2019 108.564.894.000 5.81%
2020 126.971.109.000 14.5%
2021 144.857.186.000 12.35%
2022 163.588.214.000 11.45%
2023 170.696.223.000 4.16%
2023 167.470.326.000 -1.93%
2024 177.379.152.000 5.59%

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 do Brasil S.A. Assets
Year Assets Growth
2005 252.976.988.000
2006 296.356.419.000 14.64%
2007 357.750.243.000 17.16%
2008 521.272.817.000 31.37%
2009 708.548.843.000 26.43%
2010 802.819.794.000 11.74%
2011 981.229.907.000 18.18%
2012 1.150.486.189.000 14.71%
2013 1.303.915.123.000 11.77%
2014 1.437.485.512.000 9.29%
2015 1.401.128.757.000 -2.59%
2016 1.401.376.974.000 0.02%
2017 1.369.201.171.000 -2.35%
2018 1.417.143.716.000 3.38%
2019 1.469.222.655.000 3.54%
2020 1.725.671.888.000 14.86%
2021 1.932.532.979.000 10.7%
2022 2.028.958.136.000 4.75%
2023 2.226.283.389.000 8.86%
2023 2.153.878.452.000 -3.36%
2024 2.330.349.036.000 7.57%

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 do Brasil S.A. Liabilities
Year Liabilities Growth
2005 236.127.224.000
2006 275.598.261.000 14.32%
2007 333.488.147.000 17.36%
2008 491.335.671.000 32.13%
2009 672.429.578.000 26.93%
2010 748.400.858.000 10.15%
2011 922.813.537.000 18.9%
2012 1.084.416.224.000 14.9%
2013 1.231.690.328.000 11.96%
2014 1.356.872.318.000 9.23%
2015 1.319.592.584.000 -2.83%
2016 1.314.183.222.000 -0.41%
2017 1.270.477.769.000 -3.44%
2018 1.314.890.834.000 3.38%
2019 1.360.657.761.000 3.36%
2020 1.598.700.779.000 14.89%
2021 1.787.675.793.000 10.57%
2022 1.865.369.922.000 4.17%
2023 342.845.338.000 -444.08%
2023 1.986.408.126.000 82.74%
2024 2.152.969.884.000 7.74%

Banco do Brasil S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
38.54
Net Income per Share
5.66
Price to Earning Ratio
4.73x
Price To Sales Ratio
0.69x
POCF Ratio
-1.76
PFCF Ratio
-1.68
Price to Book Ratio
0.88
EV to Sales
4.56
EV Over EBITDA
34.67
EV to Operating CashFlow
-11.58
EV to FreeCashFlow
-11.04
Earnings Yield
0.21
FreeCashFlow Yield
-0.6
Market Cap
152,63 Bil.
Enterprise Value
1.002,70 Bil.
Graham Number
62.06
Graham NetNet
-402.8

Income Statement Metrics

Net Income per Share
5.66
Income Quality
-2.64
ROE
0.19
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.83
EBT Per Ebit
1.61
Ebit per Revenue
0.11
Effective Tax Rate
0.14

Margins

Sales, General, & Administrative to Revenue
0.04
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.11
Pretax Profit Margin
0.18
Net Profit Margin
0.15

Dividends

Dividend Yield
0.14
Dividend Yield %
14.22
Payout Ratio
0.43
Dividend Per Share
0.69

Operating Metrics

Operating Cashflow per Share
-15.16
Free CashFlow per Share
-15.92
Capex to Operating CashFlow
-0.05
Capex to Revenue
0.02
Capex to Depreciation
0.75
Return on Invested Capital
0.02
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.75

Balance Sheet

Cash per Share
-25,67
Book Value per Share
31,07
Tangible Book Value per Share
29.24
Shareholders Equity per Share
30.27
Interest Debt per Share
210.04
Debt to Equity
6.13
Debt to Assets
0.45
Net Debt to EBITDA
29.39
Current Ratio
0.44
Tangible Asset Value
166,95 Bil.
Net Current Asset Value
-1.644,84 Bil.
Invested Capital
-634243795000
Working Capital
-659,13 Bil.
Intangibles to Total Assets
0
Average Receivables
25,93 Bil.
Average Payables
23,93 Bil.
Average Inventory
-72712563500
Debt to Market Cap
6.94

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 do Brasil S.A. Dividends
Year Dividends Growth
2010 8
2011 9 0%
2012 7 -33.33%
2013 9 25%
2014 6 -60%
2015 5 0%
2016 2 -150%
2017 2 0%
2018 3 33.33%
2019 5 40%
2020 2 -150%
2021 3 33.33%
2022 7 50%
2023 7 14.29%
2024 3 -250%

Banco do Brasil S.A. Profile

About Banco do Brasil S.A.

Banco do Brasil S.A., together with its subsidiaries, provides banking products and services for individuals, companies, and public sectors in Brazil and internationally. The company operates through Banking, Investments, Fund Management, Insurance (Insurance, Pension, and Capitalization), Payment Methods, and Other segments. The Banking segment offers various products and services, including deposits, loans, and other services to retail, wholesale, and public sector markets, as well as to micro-entrepreneurs. The Investments segment engages in the structuring and distribution of debts and equity instruments in primary and secondary markets; and provision of financial services. The Fund Management segment is involved in the purchase, sale, and custody of securities, as well as the management of portfolios, and investment funds and clubs. The Insurance, Pension and Capitalization segment provides life, property, and automobile insurance products, as well as private pension and capitalization plans. The Payment Methods segment is involved in the capturing, transmission, processing, and financial settlement of for electronic payment transactions. The Other segment engages in the provision of credit recovery and consortium management services; development, manufacturing, sale, rental, and integration of digital electronic systems, peripherals, programs, inputs, and computing supplies; sale of airline tickets; and lodging and organization of events. Banco do Brasil S.A. was incorporated in 1808 and is headquartered in Brasília, Brazil.

CEO
Ms. Tarciana Paula Gomes Medei
Employee
85.953
Address
Banco do Brasil Building
Brasília,

Banco do Brasil S.A. Executives & BODs

Banco do Brasil S.A. Executives & BODs
# Name Age
1 Mr. Luiz Gustavo Braz Lage
Chief Agribusiness Officer & Family Farming Officer and Member of Executive Board
70
2 Mr. Jose Ricardo Sasseron
Chief Government Business & Corporate Sustainability Officer and Member of Executive Board
70
3 Mr. Neudson Peres de Freitas
Operations Officer
70
4 Ms. Marisa Reghini Ferreira Mattos
Chief Information Officer & Member of Executive Board
70
5 Ms. Carla Nesi
Chief Retail Business Officer & Member of Executive Board
70
6 Ms. Ana Cristina Rosa Garcia
Chief Corporate Officer & Member of Executive Board
70
7 Mr. Francisco Augusto Lassalvia Gerson
Chief Wholesale Officer & Member of Executive Board
70
8 Ms. Tarciana Paula Gomes Medeiros
Chief Executive Officer, Member of Executive Board & Director
70
9 Mr. Marco Geovanne Tobias da Silva
Chief Financial Officer, Investor Relations Officer & Member of Executive Board
70
10 Mr. Felipe Guimaraes Geissler Prince
Chief Internal Controls & Risk Mgmt. Officer and Member of Executive Board
70

Banco do Brasil S.A. Competitors