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Upturn AI SWOT - About
BBD 
Banco Bradesco SA ADR (BBD)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/29/2025: BBD (3-star) is a STRONG-BUY. BUY since 10 days. Profits (2.98%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $3.24
1 Year Target Price $3.24
| 2 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 46.12% | Avg. Invested days 44 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/29/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 29.66B USD | Price to earnings Ratio 9.15 | 1Y Target Price 3.24 |
Price to earnings Ratio 9.15 | 1Y Target Price 3.24 | ||
Volume (30-day avg) 6 | Beta 0.37 | 52 Weeks Range 1.71 - 3.13 | Updated Date 08/30/2025 |
52 Weeks Range 1.71 - 3.13 | Updated Date 08/30/2025 | ||
Dividends yield (FY) 4.89% | Basic EPS (TTM) 0.34 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23.56% | Operating Margin (TTM) 35.79% |
Management Effectiveness
Return on Assets (TTM) 1.01% | Return on Equity (TTM) 12.35% |
Valuation
Trailing PE 9.15 | Forward PE 7.46 | Enterprise Value 518646071296 | Price to Sales(TTM) 0.34 |
Enterprise Value 518646071296 | Price to Sales(TTM) 0.34 | ||
Enterprise Value to Revenue 3.34 | Enterprise Value to EBITDA - | Shares Outstanding 5280640000 | Shares Floating 7558015485 |
Shares Outstanding 5280640000 | Shares Floating 7558015485 | ||
Percent Insiders - | Percent Institutions 23.65 |
Upturn AI SWOT
Banco Bradesco SA ADR
Company Overview
History and Background
Banco Bradesco was founded in 1943 in Maru00edlia, Su00e3o Paulo, Brazil, as Banco Brasileiro de Descontos S.A. Initially focused on serving small business owners and civil servants, it grew to become one of Brazil's largest private banks through strategic acquisitions and expansion of services.
Core Business Areas
- Banking: Offers a wide range of banking services, including checking and savings accounts, loans, credit cards, and investment products to individuals, small businesses, and corporations.
- Insurance: Provides various insurance products, including life, health, auto, and property insurance.
- Asset Management: Offers asset management services to institutional and individual investors.
- Investment Banking: Provides investment banking services, including underwriting, mergers and acquisitions advisory, and financial restructuring.
Leadership and Structure
The bank is led by its CEO, Octavio de Lazari Junior. The organizational structure includes various executive departments overseeing different business areas, reporting to the board of directors.
Top Products and Market Share
Key Offerings
- Credit Cards: Bradesco is one of the largest credit card issuers in Brazil. Market share is approximately 20%. Competitors include Itau Unibanco, Banco do Brasil, and Santander Brasil.
- Loans: Bradesco offers a variety of loan products, including personal loans, auto loans, and mortgages. The loan portfolio is significant, contributing substantially to revenue. Competitors include Itau Unibanco, Banco do Brasil, and Caixa Economica Federal.
- Insurance: Bradesco Seguros is a major insurance provider. Market share is approximately 25% across different insurance segments. Competitors include Porto Seguro, SulAmu00e9rica, and Tokio Marine Seguradora.
Market Dynamics
Industry Overview
The Brazilian banking sector is concentrated, with a few large players dominating the market. Digital banking and fintech are growing trends, increasing competition.
Positioning
Banco Bradesco is a leading private bank in Brazil with a strong presence across multiple segments. Its competitive advantages include a large customer base, established brand, and extensive branch network.
Total Addressable Market (TAM)
The estimated TAM for the Brazilian financial services market is USD 500 billion. Banco Bradesco is positioned to capture a significant portion through its diversified offerings.
Upturn SWOT Analysis
Strengths
- Large customer base
- Extensive branch network
- Strong brand recognition
- Diversified product portfolio
- Technological investment
Weaknesses
- High operating costs
- Exposure to Brazilian economic volatility
- Potential asset quality issues
- Bureaucratic processes
- Slow digital transformation compared to fintechs
Opportunities
- Growth in digital banking
- Expansion into underserved markets
- Strategic acquisitions
- Increased demand for insurance products
- Fintech partnerships
Threats
- Increasing competition from fintech companies
- Economic instability in Brazil
- Regulatory changes
- Cybersecurity risks
- Rising interest rates
Competitors and Market Share
Key Competitors
- ITUB
- SAN
- BBDC
Competitive Landscape
Banco Bradesco faces intense competition from other large Brazilian banks and emerging fintech companies. It maintains a strong position through its diversified offerings and established customer base.
Major Acquisitions
BAC Florida Bank
- Year: 2020
- Acquisition Price (USD millions): 500
- Strategic Rationale: To expand its private banking operations in the U.S. and serve high-net-worth clients.
Growth Trajectory and Initiatives
Historical Growth: Banco Bradesco's growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates vary, but generally project moderate growth, with expectations for increased profitability through digital initiatives.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, partnerships with fintech companies, and expansion of insurance products.
Summary
Banco Bradesco is a strong player in the Brazilian financial sector, bolstered by its large customer base and varied portfolio of products and services. While it faces intense competition, especially from burgeoning fintech companies, its established brand and aggressive investments in digital transformation provide it with a strong foundation for future growth. Bradesco needs to watch out for market regulations and continue to improve the cost structure of the company to continue to grow. They are positioned well to serve the market that they exist in.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Banco Bradesco Investor Relations
- SEC Filings
- MarketWatch
- Bloomberg
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market conditions can change rapidly, affecting the accuracy of the information presented. This is an AI generated analysis based on the provided prompts.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Banco Bradesco SA ADR
Exchange NYSE | Headquaters Osasco, SP, Brazil | ||
IPO Launch date 2001-11-23 | CEO & Member of Executive Board Mr. Marcelo de Araujo Noronha | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 82147 | Website https://banco.bradesco |
Full time employees 82147 | Website https://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. The company was founded in 1943 and is headquartered in Osasco, Brazil.
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