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Banco Bradesco S/A ADR(BBDO)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BBDO
11/09/2026: BBDO (1-star) is currently NOT-A-BUY. Pass it for now.
Banco Bradesco is a major, long-standing financial institution in Brazil providing banking, insurance, and asset management services. The company benefits from a deep-rooted brand and a large, diversified base of retail and corporate clients. Its primary growth opportunity lies in successfully migrating its customer base to digital platforms while expanding its high-margin insurance offerings. However, Bradesco faces notable competitive threats from agile, digital-only neobanks and carries sensitivity to Brazilian macroeconomic volatility and credit risk. It may suit value-oriented or income-seeking investors interested in Brazilian financial exposure, though monitoring credit quality and the pace of digital transformation is essential.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is a mature institution focused more on efficiency than high-growth scaling. |
| Momentum investor | Weak fit | The stock has lacked consistent upward momentum relative to the broader market. |
| Value investor | Strong fit | The stock often trades at low valuation multiples, potentially appealing to contrarian value seekers. |
| Dividend investor | Strong fit | Bradesco has a long history of consistent, if variable, dividend and interest on equity payments. |
| Low-risk investor | Mixed fit | Banking in Brazil carries inherent economic risk, making it less suitable for purely risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The ADR is subject to significant fluctuations driven by both Brazilian political news and currency exchange rates. |
| Valuation risk | Low | Shares are often valued at moderate price-to-book levels, suggesting limited downside from a pure valuation standpoint. |
| Competition risk (Fintech competition) | High | Digital-only banks are capturing market share by offering cheaper and more accessible services. |
| Business quality | Medium | It is a highly regulated, systemic player in the Brazilian economy with a solid, albeit aging, franchise. |
| Dividend income | Medium | Dividends can be impacted by regulatory constraints and the bank's internal capital allocation needs. |
| Execution risk | Medium / high | Transitioning a large physical bank to a more digital, efficient model remains a complex task. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit -25.88% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 26.82B USD | Price to earnings Ratio 5.33 | 1Y Target Price - |
Price to earnings Ratio 5.33 | 1Y Target Price - | ||
Volume (30-day avg) 185.7K shares | Beta 0.31 | 52 Weeks Range 2.30 - 4.08 | Updated Date 11/08/2026 |
52 Weeks Range 2.30 - 4.08 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 56.16% | Basic EPS (TTM) 0.45 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Credit Operations | Personal, corporate, and auto loans. | The bank earns interest income by lending money to customers. |
| Insurance Services | Health, life, and property coverage. | Insurance premiums provide a stable, non-interest revenue stream. |
| Fees and Services | Account management, cards, and investment fees. | The bank charges regular fees for everyday financial transactions. |
| Geography: Brazil | All core operations. | The company's success is tied heavily to the health of the Brazilian economy. |
Earnings Date
Report Date 2026-10-22 | When After Market | Estimate - | Actual 0.12 |
Profitability
Profit Margin 27.27% | Operating Margin (TTM) 37.94% |
Management Effectiveness
Return on Assets (TTM) 1.12% | Return on Equity (TTM) 14.2% |
Valuation
Trailing PE 5.33 | Forward PE 5.75 | Enterprise Value 560.78B | Price to Sales(TTM) 0.28 |
Enterprise Value 560.78B | Price to Sales(TTM) 0.28 | ||
Enterprise Value to Revenue 3.4 | Enterprise Value to EBITDA - | Shares Outstanding 5.60B | Shares Floating 7.21B |
Shares Outstanding 5.60B | Shares Floating 7.21B | ||
Percent Insiders - | Percent Institutions 0.14 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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