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Data-driven stock valuation

Banco Bradesco S/A ADR (BBDO) fair value: what the stock is really worth

We calculate from audited financials what Banco Bradesco S/A ADR is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.

  1. Compare price with fair valuebelow fair value = cheap, above = expensive
  2. Check the quality50 and up solid, 75 and up strong
  3. Watch it or check another stockalert when fair value or trend changes

Financial Services · US · Market cap $31.1B · ISIN US0594604029

At a glance

BB Banco Bradesco S/A ADR logo Banco Bradesco S/A ADR BBDO · US
Price$3.17
Fair Value$2.35
Upside−25.9%
Quality60/100

A solid business, but trading 35% above our fair value of $2.35.

As of Aug 13, 2026, the fair value of Banco Bradesco S/A ADR is $2.35 per share against a price of $3.17, so the fair value sits 26% below the price. A model estimate from reported figures, not an analyst target.

!Mixed Growth (revenue 5y +9.3 %/yr)
Highly profitable · 25.4% net margin
!High debt · generates free cash flow
!Mixed vs. peers (7/12)
Wide moat 68/100
!Evidence only medium, so the estimate is less certain
Evidence: Medium Range $1.76 to $2.93

Fair value as of: Aug 13, 2026

From 6 valuation models · updated 25 days ago

Fair value updated Aug 13, 2026, revised from $1.02 to $2.35 (+130.4%) since Aug 12, 2026. Share price −0.9% over the past month.

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What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

What matters now

  • The price sits above even our optimistic bull case ($2.93). The favourable scenario is already priced in.
  • Solid but not exceptional quality (60/100) and above fair value, neither a clear bargain nor a standout compounder.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

$3.74 $1.54 Fair Value $2.35 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.

How to read this chart

60‑month range $1.54 – $3.74 · fair‑value band $1.76 – $2.93 · the $3.17 price screens above the $2.35 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

Banco Bradesco S/A ADR (BBDO) currently trades at $3.17, while our model-based Fair Value estimate is $2.35, implying the stock looks roughly 34.9% overvalued today. The Quality Score stands at 60/100 (solid quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of $4.31 per share, and 5 of the 6 models we run sit above the $3.17 price. Bear case: the Asset-Based group reads lowest at $2.06, and 1 of the 6 models stay below the price. Evidence for this calculation is medium.

Over the trailing twelve months, Banco Bradesco S/A ADR generated revenue of $91.7B at a net margin of 25.4%. Revenue grew 10.5% year over year. It earns a return on equity of 13.4%. Net debt stands at $117B. Fundamentals as of Aug 13, 2026

Scenario range: $1.76 (bear) to $2.93 (bull), the price of $3.17 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades about 16% below its 52-week high and 43% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −13% fair-value upside, at −26%, BBDO screens richer than that median.

Fair Value models

Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Residual Income best evidence $2.93 $3.56 $7.61 68
Gordon GGM $1.84 $3.82 $6.06 62
DDM Multi-Stage $1.84 $3.22 $4.01 62
All 6 models by family
Dividend Discount
Gordon GGM $1.84 $3.82 $6.06 62
DDM Multi-Stage $1.84 $3.22 $4.01 62
Multiples
P/E Multiple $3.91 $5.21 $6.51 61
P/B Multiple $3.23 $4.31 $5.39 53
Asset-Based
NCAV (Graham) $1.54 $2.06 $3.08 52
Economic Profit
Residual Income best evidence $2.93 $3.56 $7.61 68

Widest divergence: Multiples ($4.31) versus Asset-Based ($2.06). Highest evidence: Residual Income (68).

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Key figures & financial health

P/E ratio 7.2 as of Jun 18, 2026
P/S ratio 0.49 P/E × margin
EPS (TTM) $0.4100 price ÷ EPS = P/E 7.2
Net margin 6.8% FY2025
Return on equity 13.4% TTM
Return on assets (EBIT) 1.4% avg 5y
More key figures
Profitability
Operating margin 35.1% TTM
Growth
Revenue (TTM) $91.7B TTM
Revenue growth (YoY) +10.5% 3y avg +9,622%
EPS growth (YoY) −7.5%
Balance sheet & cash flow
Free cash flow $46.2B FY2025
Net debt $117B FY2025 · ≈ 2.5 yrs of FCF

Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 60/100

Of which business quality 57 · Market factors (momentum, volatility) 62

Profitability 24
Margins and returns on capital today
Quality Growth 49
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 22
Balance sheet, leverage, solvency risk
Investment 83
Disciplined investing over empire-building
Low Volatility 78
Calm price path (market factor)
Momentum 53
Price trend over the last 3–12 months (market factor)
52W Momentum 61
Distance to the 52-week high (market factor)
Net Issuance 85
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.

About the company

Banco Bradesco S.A., together with its subsidiaries, provides various banking products and services in Brazil and internationally. The company operates in two segments, Banking and Insurance.

Full company description

Banco Bradesco S.A., together with its subsidiaries, provides various banking products and services in Brazil and internationally. The company operates in two segments, Banking and Insurance. It engages in banking operations, including investment, national, international, and private banking, as well as investment fund management, consortium administration, middle market and corporate activities, and leasing. The company also provides retail banking products, such as demand, savings, and time deposits, as well as mutual funds, foreign exchange services, and various loans and advances comprising overdrafts, credit cards, and loans with repayments in installments; and fund management and treasury services, corporate finance, and hedge and finance operations, which include working capital financing. In addition, it provides insurance products, such as life, pension, health, and non-life, as well as related insurance operations, supplemental pension plans, and capitalization bonds. Further, the company offers cards, consortia, service packages and fees, auctions, debt renegotiation, and accounts; and various services comprising related transactions and inquiries, profile and help, purchases and benefits, and permissions. It serves individuals, corporates, and businesses. The company was incorporated in 1943 and is headquartered in Osasco, Brazil.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Banco Bradesco S/A ADR reported revenue of R$62.5B in FY2025 versus R$26.0K in FY2021, a compound +3,837.3%/yr. Reported net income was R$4.2B in FY2025, compounding −34.6%/yr from FY2021.

Growth Quality 81/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
$62.5B
Latest YoY
+12.0%
Avg. revenue growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+9,622.0%
Avg. revenue growth/yr (5Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+9.3%
Avg. revenue growth/yr (25Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+6.4%
Value creation/yr (5Y, in BRL) Earnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year. Measured in BRL: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
−23.0%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share−23.0%
Dividend yield0.0%
Trend Two data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.5Y −23.0% vs 10Y −6.1%, flattening
Operating margin (EBIT) Operating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−3.9% (2020) → 6.0% (2025) · rising
Worst earnings drop141% (2013) (loss year, drop beyond 100%) · in USD
⚠ Revenue per share shrinking 1.9%/yr over ~10Y (margins eroding too) Structural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Revenue +3,837.3%/yr
FY21 R$26.0K
FY22 R$68.0K
FY23 R$60.6B
FY24 R$55.8B
FY25 R$62.5B
Net income −34.6%/yr
FY21 R$23.2B
FY22 R$21.2B
FY23 R$2.9B
FY24 R$3.2B
FY25 R$4.2B

BBDO screens 35% overvalued. Compare with DBS Group →

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Cite: Fair Value Calculator (2026). "Banco Bradesco S/A ADR Fair Value". https://www.fairvalue-calculator.com/stock/BBDO

Earlier news

External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.

Peer Group

Banks - Regional · 1074 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation
Quality Score 63 · Top 25%
Fair Value upside −26% · Bottom 25%
Profitability
Return on equity (TTM) 13% · Top 25%
Return on assets 1% · Above median
Net margin (TTM) 25% · Below median
Operating margin (TTM) 35% · Below median
Growth and dividend
Revenue growth 11% · Above median
Dividend yield (TTM) 42.6% · Top 25%
Balance sheet
Debt / equity 13.68× · Highest 25%

Valuation Multiples vs Banks - Regional median · lower = cheaper

P/E (TTM) 7.2× · Cheapest 25%
P/FCF 0.7× · Cheapest 25%
PEG 1.55× · Pricier than median

Context: sector, industry, market

Strength profile in five axes (Snowflake)

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE0 · sector 32
FUTURE53 · sector 44
PAST53 · sector 41
HEALTH0 · sector 85
DIVIDEND100 · sector 51

VALUE 0: the price sits above our fair-value range.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).

Stock Price Fair Value vs Fair Value
DBS Group D05 75.65 SGD 40.48 SGD −46%
China Merchants Bank Co 3968 HK$47.96 HK$76.51 +60%
Intesa Sanpaolo S.p.A ISP €6.74 €5.66 −16%
HDFC Bank Limited HDB $23.18 $24.12 +4%
BNP Paribas SA BNP €104.54 €144.64 +38%
UniCredit S.p.A UCG €84.71 €77.62 −8%
Mizuho Financial Group MFG $11.23 $9.72 −13%
ICICI Bank Limited ICICIBANK ₹1,423 ₹835.21 −41%
Oversea-Chinese Banking Corporation O39 31.07 SGD 19.80 SGD −36%
CaixaBank, S.A CABK €13.52 €8.85 −35%

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Frequently asked questions

Is Banco Bradesco S/A ADR (BBDO) overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of $2.35 versus a price of $3.17, about −26% upside (overvalued).
What is the fair value of BBDO?
Our model-based fair value for Banco Bradesco S/A ADR is $2.35 (as of Aug 13, 2026), built from audited fundamentals. The current price: $3.17.
What is the quality score of BBDO?
Banco Bradesco S/A ADR has a Quality Score of 60/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Banco Bradesco S/A ADR (BBDO)?
Our model-based price target is the fair value of $2.35 (as of Aug 13, 2026) from 6 valuation models. Cautious scenario $1.76, optimistic scenario $2.93. It is a calculation from audited fundamentals, not an analyst target.
What is the Banco Bradesco S/A ADR stock forecast for 2026?
Our models put fair value at $2.35, about −26% upside versus a price of $3.17 (overvalued). Cautious scenario $1.76, optimistic scenario $2.93. The calculation is refreshed regularly with new filings.
What is the revenue of Banco Bradesco S/A ADR (BBDO)?
Banco Bradesco S/A ADR reported trailing-twelve-month revenue of about $91.7B (latest available figure, as of Aug 13, 2026).
What is the net profit margin of BBDO?
The net profit margin of Banco Bradesco S/A ADR is about 25.4%, meaning it keeps roughly 25.4% of revenue as net income. Based on the latest reported figures.
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