Banco Bradesco BBD
Banco Bradesco is one of Brazil's largest financial institutions, with a diversified commercial banking model that includes consumer credit, retail banking, insurance, and asset management. Banco Bradesco shows solid fundamentals with an ROE of 13.76%, an operating margin of 34.52%, and an attractive valuation (P/E 8.12, P/B adjusted 0.76), supported by insider buying. The main drag is the governance risk in Brazil, which justifies a penalty in the contextual risk.
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Banco Bradesco is one of Brazil's largest financial institutions, with a diversified commercial banking model that includes consumer credit, retail banking, insurance, and asset management. Banco Bradesco shows solid fundamentals with an ROE of 13.76%, an operating margin of 34.52%, and an attractive valuation (P/E 8.12, P/B adjusted 0.76), supported by insider buying. The main drag is the governance risk in Brazil, which justifies a penalty in the contextual risk.
Score by category
| Category | Score |
|---|---|
| Financial health | 5.1 |
| Quality / Moat | 8.6 |
| Valuation | 8.0 |
| Growth | 6.7 |
| Dividend | 7.6 |
| Momentum | 3.0 |
| Risk & Context | 5.6 |
OVERALL SCORE: 6.6/10
Context and risks
Elevated governance risk in Brazil, with a history of state intervention in banking and weak minority shareholder protection. Although Bradesco is not state-owned, the country's institutional quality justifies a significant penalty.
News considered in the analysis
- Banco Bradesco Executive Mantarro Buys $1 Million of Shares. Does This Mean the Brazilian Bank Is on the Rebound? — Compra de acciones por un ejecutivo, señal de confianza interna, pero de magnitud moderada.
- Banco Bradesco Director Alvarez Buys $2.3 Million Shares. Is the Brazilian Bank Now a Buy? — Compra de acciones por un director, refuerza la señal de confianza interna.
- Banco Bradesco Executive Machado Buys $1.1 Million Stock. Is This a Buy Signal? — Otra compra de acciones por un ejecutivo, consistente con las anteriores.
- Banco Bradesco Executive Buys 79,782 Shares for $1.4 Million. Is the Brazilian Bank a Buy? — Cuarta compra de acciones por parte de la dirección, señal colectiva de convicción.
- Nu Holdings Cut to Market Perform on Brazil Credit Risk — Noticia sobre un competidor (Nu Holdings), no afecta directamente a Bradesco.
Verdict: Hold, with a positive bias if an improvement in the Brazilian credit environment is confirmed.
Main risk: The governance risk in Brazil, with a history of state intervention and weak minority shareholder protection, which can affect shareholder returns.
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