Banco Bradesco Sa American Depositary Shares (each representing one Common Share) (BBDO)

FairStock Score: 72/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I am looking at Banco Bradesco as a large Brazilian bank and insurer with 68,814 employees. Scale and a mix of banking and insurance can create a modest moat, but this remains a cyclical, regulated, macro-sensitive business. The latest period-labeled figures I have are for fiscal Q2 2026: revenue of $32.1B, net income of $7.1B, and a 22.22% net margin. That is a solid profit margin for a bank, though one quarter does not tell me enough about credit quality. FairStock calculations put ROE at 13.76%, price-to-book at 1.12, P/E at 12.35, PEG at 0.70, and dividend yield at 3.85%, with the price at $3.83 on 2026-10-13. At 1.12 times book and about 12 times earnings, the stock does not look expensive; it is roughly fair, with some value appeal if returns hold. The low beta of 0.19 is notable, but it may not capture Brazilian country risk. The Piotroski F-Score of 3/9 is weak, and ROCE of 1.07% is not meaningful for a bank. I cannot judge the most important bank-specific measures—CET1 capital, net interest margin, and, for insurance, the combined ratio—because they are not in the data. D/E is N/A, so leverage is also unclear. The provided growth figures are not period-labeled, so I set them aside and focus on the latest reported quarter. As Graham would say, I need a margin of safety. At this price, Bradesco offers a fair starting point, not a fat pitch.

In plain English: Banco Bradesco is a large Brazilian bank and insurer. It makes money from banking, lending and insurance, and its latest reported quarter showed a solid profit. The stock looks roughly fair, perhaps mildly cheap, compared with those profits and its book value, but the data does not show enough about loan quality or capital strength.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

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