Bradesco has moved past the credit shock of recent years. 4Q25 proved that BBD is growing again, with risk under control and profitability steadily normalizing. Even after the strong rally over the past twelve months, the current valuation still fails to fully reflect this new operating regime.
Banco Bradesco S.A. (BBD) Q4 2025 Earnings Call Transcript
Banco Bradesco is rated HOLD, reflecting operational improvements but insufficient ROAE to justify a re-rating. BBD's recurring net income reached R$6.2B in 3Q25, with ROAE at 14.7%, showing gradual improvement and healthier risk indicators. The insurance arm remains a strong pillar, delivering R$5.7B in results and a 22.4% ROAE, reducing reliance on core banking.
Ethic Inc. cut its holdings in Banco Bradesco SA (NYSE: BBD) by 24.9% in the undefined quarter, according to its most recent 13F filing with the SEC. The firm owned 116,840 shares of the bank's stock after selling 38,814 shares during the quarter. Ethic Inc.'s holdings in Banco Bradesco were worth $354,000 as
Bradesco remains a buy ahead of Q3 2025 earnings, driven by resilient credit growth and effective NPL control amid a challenging macro backdrop. Expectations for Banco Bradesco include a credit portfolio of BRL 1.04 trillion, stable NPLs at 4.1%, and NII growth of 16.9% YoY. I will estimate a target of 1.2x P/B, considering that the company has traded well above this level in the past.
Banco Bradesco (BBD) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
Bradesco's strong 2Q25 results and attractive valuation are overshadowed by rising risk from aggressive SME and rural lending amid Brazil's credit crunch. Revenue and net income growth are robust, driven by higher loan volumes and cost control, but sustainability is questionable as riskier segments expand. Despite stable current risk metrics, Bradesco's history of poor credit cycle management and deteriorating rural credit warrant caution.
Investors interested in Banks - Foreign stocks are likely familiar with Banco Bradesco (BBD) and HDFC Bank (HDB). But which of these two stocks presents investors with the better value opportunity right now?
Banco Bradesco S.A. (NYSE:BBD ) Q2 2025 Earnings Call July 31, 2025 9:30 AM ET Company Participants Andre Rodrigues Cano - Executive Vice President of Banco Bradesco S.A.
Bradesco delivered strong Q2 growth in earnings, credit, and profitability, outpacing sector averages and consolidating its operational recovery. Despite improving fundamentals, Bradesco's stock still trades at a deep discount to sector and historical multiples. The bank's digital transformation and efficiency initiatives are driving sustainable gains, while dividend yields remain among the highest in the industry.
Bradesco's loan portfolio grew 11.7% year-over-year, led by strong gains in personal and MSME lending, aligning with the bank's strategic focus. Non-performing loans remained stable at 4.1%, with annual improvement, reflecting effective risk management even in a challenging economic environment. Net interest income rose 15.8% year-over-year, driven by a favorable loan mix and higher credit volumes, supporting profitability.
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Banco Bradesco (BBD) have what it takes?