BREA Stock Overview

Provides various banking products and services to individuals, corporates, and businesses in Brazil and internationally. More details

BREA fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	5/6
Past Performance	1/6
Financial Health	3/6
Dividends	5/6

Rewards

Trading at 60.4% below our estimate of its fair value

Earnings are forecast to grow 29.8% per year

Risk Analysis

Shares are highly illiquid

Large one-off items impacting financial results

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Banco Bradesco S.A. Competitors

Commerzbank

XTRA:CBK

€19.7b

ProCredit Holding

XTRA:PCZ

€466.5m

Merkur PrivatBank KgaA

XTRA:MBK

€115.1m

Shinhan Financial Group

KOSE:A055550

₩25.1t

Price History & Performance

Summary of share price highs, lows and changes for Banco Bradesco
Historical stock prices
Current Share Price	R$1.63
52 Week High	R$1.65
52 Week Low	R$1.61
Beta	0.65
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-4.68%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	BREA	DE Banks	DE Market
7D	-4.7%	2.1%	1.3%
1Y	n/a	23.2%	9.0%

Return vs Industry: Insufficient data to determine how BREA performed against the German Banks industry.

Return vs Market: Insufficient data to determine how BREA performed against the German Market.

Price Volatility

Is BREA's price volatile compared to industry and market?
BREA volatility
BREA Average Weekly Movement	n/a
Banks Industry Average Movement	3.2%
Market Average Movement	4.9%
10% most volatile stocks in DE Market	11.6%
10% least volatile stocks in DE Market	2.4%

Stable Share Price: BREA's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine BREA's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1943	84,018	Marcelo de Araujo Noronha	banco.bradesco

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 segments, 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; overdraft and agribusiness loans; debit and business cards; financial and security services; consortium products; car, personal accident, dental, travel, and life insurance; investment products; pension products; foreign currency exchange services; capitalization bonds; and internet banking services.

Banco Bradesco S.A. Fundamentals Summary

How do Banco Bradesco's earnings and revenue compare to its market cap?
BREA fundamental statistics
Market cap	€18.43b
Earnings (TTM)	€2.32b
Revenue (TTM)	€12.05b

8.2x

P/E Ratio

0.7x

P/B Ratio

Is BREA overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BREA income statement (TTM)
Revenue	R$75.40b
Cost of Revenue	R$1.40b
Gross Profit	R$74.00b
Other Expenses	R$59.46b
Earnings	R$14.54b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Feb 07, 2025

Earnings per share (EPS)	1.37
Gross Margin	98.15%
Net Profit Margin	19.29%
Debt/Equity Ratio	408.2%

How did BREA perform over the long term?

See historical performance and comparison

Dividends

10.0%

Current Dividend Yield

81%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/10 16:35
End of Day Share Price	2025/01/10 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Banco Bradesco S.A. is covered by 34 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Roberto de Aguiar Attuch	Barclays
Rafael Reis	BB Banco de Investimento S.A.
Mario Lucio Pierry	BofA Global Research