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Upturn AI SWOT - About
BBDO 
Banco Bradesco S/A ADR (BBDO)
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Upturn Advisory Summary
09/17/2025: BBDO (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 34.75% | Avg. Invested days 44 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 29.35B USD | Price to earnings Ratio 8.43 | 1Y Target Price - |
Price to earnings Ratio 8.43 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.4 | 52 Weeks Range 1.64 - 2.73 | Updated Date 06/29/2025 |
52 Weeks Range 1.64 - 2.73 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 5.97% | Basic EPS (TTM) 0.3 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 22.41% | Operating Margin (TTM) 32.08% |
Management Effectiveness
Return on Assets (TTM) 0.95% | Return on Equity (TTM) 11.27% |
Valuation
Trailing PE 8.43 | Forward PE 6.28 | Enterprise Value 520206385152 | Price to Sales(TTM) 0.35 |
Enterprise Value 520206385152 | Price to Sales(TTM) 0.35 | ||
Enterprise Value to Revenue 3.72 | Enterprise Value to EBITDA - | Shares Outstanding 5296370176 | Shares Floating 7558861646 |
Shares Outstanding 5296370176 | Shares Floating 7558861646 | ||
Percent Insiders - | Percent Institutions 0.23 |
Upturn AI SWOT
Banco Bradesco S/A ADR
Company Overview
History and Background
Banco Bradesco was founded in 1943 in Brazil. Initially focused on serving small businesses and public servants, it expanded to become one of Brazil's largest banks, offering a wide range of financial services. The ADR represents shares of Banco Bradesco traded on the US stock market.
Core Business Areas
- Banking: Provides a comprehensive suite of banking services, including deposit accounts, loans, credit cards, and investment products for individuals and businesses.
- Insurance: Offers a variety of insurance products, including life, health, auto, and property insurance.
- Asset Management: Manages investment portfolios for individuals and institutional clients.
- Pension Plans: Offers both private and corporate pension plans
Leadership and Structure
Banco Bradesco is led by its CEO, Octavio de Lazari Junior, and has a board of directors overseeing the company's strategy and operations. The organizational structure includes various divisions responsible for different business areas.
Top Products and Market Share
Key Offerings
- Credit Cards: Bradesco offers a wide range of credit cards with different features and benefits. Market share is approximately 15% in Brazil. Competitors include Itau Unibanco, Santander Brasil, and Nubank.
- Loans: Bradesco provides personal loans, auto loans, mortgage loans, and business loans. Market share is approximately 14% in Brazil. Competitors include Itau Unibanco, Banco do Brasil and Caixa Economica Federal
- Insurance: Bradesco offers insurance products like life, health and auto through Bradesco Seguros. Market share is estimated at 24%. Competitors include Porto Seguro and SulAmu00e9rica.
Market Dynamics
Industry Overview
The Brazilian banking industry is highly concentrated, with a few large players dominating the market. The industry is evolving with increasing digital adoption and fintech competition.
Positioning
Banco Bradesco is one of the largest private banks in Brazil, with a strong brand reputation and extensive branch network. It aims to be a leader in innovation and customer service.
Total Addressable Market (TAM)
The total addressable market for financial services in Brazil is estimated at USD 500 Billion. Banco Bradesco is positioned to capture a significant share of this TAM through its diverse product offerings and strong market presence.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive branch network
- Diversified product offerings
- Solid financial performance
- Experienced management team
Weaknesses
- High operating expenses
- Exposure to Brazilian economic volatility
- Bureaucratic processes
- Slower adoption of new technologies compared to fintech competitors
Opportunities
- Growing demand for digital banking services
- Expansion into new markets
- Strategic acquisitions
- Increasing financial literacy in Brazil
- Offer more specialized financial planning services.
Threats
- Increased competition from fintech companies
- Economic slowdown in Brazil
- Regulatory changes
- Rising interest rates
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Itau Unibanco Holding S.A. (ITUB)
- Banco Santander Brasil S.A. (BSBR)
- Banco do Brasil S.A. (BDORY)
Competitive Landscape
Banco Bradesco faces intense competition from other large Brazilian banks and emerging fintech companies. Its strengths lie in its established brand, extensive network, and diversified product offerings. It needs to improve digital offerings to compete with Fintech companies.
Major Acquisitions
Banco Digimais
- Year: 2020
- Acquisition Price (USD millions): 140
- Strategic Rationale: Acquisition to expand in payroll loan market and consolidate the loan to individuals.
Growth Trajectory and Initiatives
Historical Growth: Banco Bradesco has experienced moderate growth in recent years, driven by expansion in its lending and insurance businesses.
Future Projections: Analyst estimates suggest continued growth for Banco Bradesco, driven by increasing demand for financial services in Brazil and the bank's digital transformation efforts. Growth percentage not available.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion of its insurance business, and strategic partnerships with fintech companies.
Summary
Banco Bradesco is a major player in the Brazilian banking sector with a strong brand and a wide range of financial services. While its established position and diversified offerings are strengths, high operating expenses and increased competition from fintech companies pose challenges. Continued investment in digital transformation and strategic acquisitions will be crucial for future growth. The company is fundamentally sound but must innovate to maintain competitiveness.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- Analyst Reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market conditions are subject to change.
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 S/A ADR
Exchange NYSE | Headquaters Osasco, SP, Brazil | ||
IPO Launch date 2012-03-13 | CEO & Member of Executive Board Mr. Marcelo de Araujo Noronha | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 71953 | Website https://banco.bradesco |
Full time employees 71953 | 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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