BZLA Stock Overview

Provides banking products and services for individuals, companies, and public sectors in Brazil and internationally. More details

BZLA fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	1/6
Past Performance	4/6
Financial Health	4/6
Dividends	5/6

Rewards

Trading at 66.6% below our estimate of its fair value

Earnings are forecast to grow 6.06% per year

Earnings grew by 18.7% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Highly volatile share price over the past 3 months compared to the German market

Unstable dividend track record

Community vs My Fair Value

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Banco do Brasil S.A. Competitors

Commerzbank

XTRA:CBK

€23.3b

ProCredit Holding

XTRA:PCZ

€554.8m

Merkur PrivatBank KgaA

XTRA:MBK

€112.8m

National Bank of KuwaitK.P

KWSE:NBK

د.ك8.6b

Price History & Performance

Summary of share price highs, lows and changes for Banco do Brasil
Historical stock prices
Current Share Price	R$4.72
52 Week High	R$7.55
52 Week Low	R$3.54
Beta	0.76
1 Month Change	18.00%
3 Month Change	11.85%
1 Year Change	-11.78%
3 Year Change	62.76%
5 Year Change	2.61%
Change since IPO	36.22%

Recent updates

Shareholder Returns

	BZLA	DE Banks	DE Market
7D	-3.7%	1.4%	-1.3%
1Y	-11.8%	35.4%	14.9%

Return vs Industry: BZLA underperformed the German Banks industry which returned 37% over the past year.

Return vs Market: BZLA underperformed the German Market which returned 19.3% over the past year.

Price Volatility

Is BZLA's price volatile compared to industry and market?
BZLA volatility
BZLA Average Weekly Movement	16.2%
Banks Industry Average Movement	3.2%
Market Average Movement	4.8%
10% most volatile stocks in DE Market	11.6%
10% least volatile stocks in DE Market	2.5%

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

Volatility Over Time: BZLA's weekly volatility (16%) has been stable over the past year, but is still higher than 75% of German stocks.

About the Company

Founded	Employees	CEO	Website
1808	87,101	Tarciana Gomes Medeiros	www.bb.com.br

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; Resource Management; Insurance, Pension, and Capitalization; Payments Method; and Other segments. The Banking segment offers various products and services, including deposits, credit operations, and other services to retail, wholesale, and government markets, as well as to micro-entrepreneurs and informal sectors.

Banco do Brasil S.A. Fundamentals Summary

How do Banco do Brasil's earnings and revenue compare to its market cap?
BZLA fundamental statistics
Market cap	€27.60b
Earnings (TTM)	€5.94b
Revenue (TTM)	€17.14b

4.6x

P/E Ratio

0.9x

P/B Ratio

Is BZLA overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BZLA income statement (TTM)
Revenue	R$102.27b
Cost of Revenue	R$0
Gross Profit	R$102.27b
Other Expenses	R$66.83b
Earnings	R$35.44b

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

May 12, 2025

Earnings per share (EPS)	6.21
Gross Margin	100.00%
Net Profit Margin	34.65%
Debt/Equity Ratio	556.6%

How did BZLA perform over the long term?

See historical performance and comparison

Dividends

5.9%

Current Dividend Yield

51%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/20 17:31
End of Day Share Price	2025/02/20 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

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.

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 Github.

Analyst Sources

Banco do Brasil S.A. is covered by 25 analysts. 10 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
Mario Lucio Pierry	BofA Global Research
Francisco Navarrete	Bradesco S.A. Corretora de Títulos e Valores Mobiliários