Banco Do Brasil SA (BDORY) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Banco Do Brasil SA $5.82, price $4.41, upside +32.0%, quality 52 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 25, 2026.
How to read this chart
60‑month range $1.72 – $5.38 · fair‑value band $5.00 – $8.33 · the $4.41 price screens below the $5.82 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 25, 2026.
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Banco do Brasil S.A., together with its subsidiaries, provides banking products and services for individuals, companies, and public sectors in Brazil and internationally. The company operates through Banking, Investments, Fund Management, Insurance (including insurance, private pension funds and capitalization) and Electronic Payments segments.
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Banco do Brasil S.A., together with its subsidiaries, provides banking products and services for individuals, companies, and public sectors in Brazil and internationally. The company operates through Banking, Investments, Fund Management, Insurance (including insurance, private pension funds and capitalization) and Electronic Payments segments. Its Banking segment offers various products and services, including deposits, loans, and other services to retail, wholesale, and public sectors. This segment also engages in the business with micro-entrepreneurs and other activities through banking correspondents. Its Investments segment engages in the structuring and distribution of debt and equity instruments in the primary and secondary markets; and provision of financial services. The company's Fund Management segment is involved in the purchase, sale, and custody of securities and portfolio management; and the structuring, organization, and management of investment funds and clubs. Its Insurance segment provides life, property, and automobile insurance products, as well as private pension and capitalization plans. The company's Electronic Payment segment provides capture, transmission, processing, and financial settlement services for electronic payment transactions. Its Other segment engages in the provision of credit recovery and consortium management services. This segment is also involved in the development, manufacturing, sale, rental, and integration of digital electronic systems, peripherals, programs, inputs, and computing supplies. The company was incorporated in 1808 and is headquartered in Brasília, Brazil.
Stock analysis
Banco Do Brasil SA (BDORY) currently trades at $4.41, while our model-based Fair Value estimate is $5.82, implying the stock looks roughly 24.2% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $30.58 per share, and 6 of the 6 models we run sit above the $4.41 price.
Bear case: the Dividend Discount group reads lowest at $18.84, and 0 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $5.00 (bear) to $8.33 (bull), the price of $4.41 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Banco Do Brasil SA reported revenue of R$343B in FY2025 versus R$169B in FY2021, a compound +19.4%/yr. Reported net income was R$13.4B in FY2025, compounding −9.1%/yr from FY2021.
Key figures
Market cap $25.2B · P/E ratio 10.0 · P/S ratio 0.39 · EPS (TTM) $0.4400 · Dividend yield 1.2% · Net margin 3.9% · Return on equity 9.2% · Return on assets (EBIT) 1.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 18% below its 52-week high and 26% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at 32%, BDORY screens cheaper than that median.
Fair Value models
Bear $5.00Fair Value $5.82Bull $8.33
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single 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 ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.95/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+10.3%
Revenue growth 3 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
+40.6%
Revenue growth 5 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
+16.5%
Start year 2020 (pandemic). Over 10 years: +5.1% a year
Revenue growth 20 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
+10.3%
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What shareholders gained per year (last 5 years), in BRL ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. 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.
−5.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year−6.2%
Dividend (yield on the price)1.2%
Pace: 5 vs 10 years ⓘ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.−6% vs 2%, slowing
Profit margin 2019 to 2024 ⓘ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.10% → 9%
News mood ⓘNews mood, the average tone of recent news (82 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Neutral
Recent news coverage is roughly neutral, about typical for how stocks are covered.
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Banks - Regional · 1076 stocks
Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside+32% · Top 25%
Profitability
Return on equity (TTM)9% · Below median
Return on assets1% · Below median
Net margin (TTM)20% · Below median
Operating margin (TTM)15% · Bottom 25%
Growth and dividend
Revenue growth−22% · Bottom 25%
Dividend yield (TTM)1.2% · Bottom 25%
Balance sheet
Debt / equity1.04× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Banco Do Brasil SA Fair Value". https://www.fairvalue-calculator.com/stock/BDORY
Frequently asked questions
Is Banco Do Brasil SA (BDORY) overvalued or undervalued?
As of Sep 25, 2026, our model estimates a fair value of $5.82 versus a price of $4.41, about +32% upside (undervalued).
What is the fair value of BDORY?
Our model-based fair value for Banco Do Brasil SA is $5.82 (as of Sep 25, 2026), built from audited fundamentals. The current price: $4.41.
What is the quality score of BDORY?
Banco Do Brasil SA has a Quality Score of 52/100. 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 Do Brasil SA (BDORY)?
Our model-based price target is the fair value of $5.82 (as of Sep 25, 2026) from 6 valuation models. Cautious scenario $5.00, optimistic scenario $8.33. It is a calculation from audited fundamentals, not an analyst target.
What is the Banco Do Brasil SA stock forecast for 2026?
Our models put fair value at $5.82, about +32% upside versus a price of $4.41 (undervalued). Cautious scenario $5.00, optimistic scenario $8.33. The calculation is refreshed regularly with new filings.
Does Banco Do Brasil SA pay a dividend?
Banco Do Brasil SA currently shows a dividend yield of about 1.23% relative to its recent price (as of Sep 25, 2026).
What is the intrinsic value of Banco Do Brasil SA (BDORY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Banco Do Brasil SA it is $5.82 per share (as of Sep 25, 2026), against a price of $4.41. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Banco Do Brasil SA stock overvalued or undervalued in 2026?
As of Sep 25, 2026, BDORY trades below its calculated fair value: price $4.41, fair value $5.82, a gap of about +32% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BDORY?
No. The price is what the market pays today ($4.41); the fair value is what the company's own numbers justify ($5.82). For Banco Do Brasil SA the two are $1.41 per share apart. That gap is exactly why we show both numbers side by side.
How much is Banco Do Brasil SA worth?
The market values Banco Do Brasil SA at about $25.2B (market capitalisation, as of Sep 25, 2026). Per share that is $4.41; our models calculate a fair value of $5.82 per share.
What do the bullish and bearish scenarios say about BDORY?
Our models span a range for Banco Do Brasil SA: cautious scenario $5.00, base $5.82, optimistic $8.33 per share (as of Sep 25, 2026, price $4.41). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BDORY?
Banco Do Brasil SA trades at a price-to-earnings ratio of 10.0 (as of Sep 25, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $5.82 is built from several models across several years. Other multiples: P/B 0.1, P/S 0.4, EV/EBITDA 20.7.
How solid is the balance sheet of Banco Do Brasil SA (BDORY)?
Balance-sheet figures for Banco Do Brasil SA (as of Sep 25, 2026): return on equity 9.2%, debt of 1.04 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is BDORY from its 52-week high?
Banco Do Brasil SA trades at $4.41, about 18% below its 52-week high of $5.38 and 26% above the low of $3.51 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $5.82 is for.
Which stocks are comparable to Banco Do Brasil SA?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Banco Do Brasil SA stock attractive at the current price?
The data as of Sep 25, 2026: price $4.41, calculated fair value $5.82 (+32%), Quality Score 52/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BDORY calculated?
We run Banco Do Brasil SA through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $5.82, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Banco Do Brasil SA currently trades 32 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Banco Do Brasil SA (BDORY)?
The closing price on Sep 23, 2026 was $4.41. Our model-based fair value is $5.82, about +32% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banco Do Brasil SA right now?
The price is below even our cautious bear case ($5.00). The market is more pessimistic than our downside scenario. Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Banco Do Brasil SA
How large is the market capitalisation of Banco Do Brasil SA (BDORY)?
The market capitalisation of Banco Do Brasil SA is $25.2B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Banco Do Brasil SA (BDORY)?
The price-to-sales ratio of Banco Do Brasil SA is 0.39 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Banco Do Brasil SA (BDORY)?
Earnings per share at Banco Do Brasil SA are $0.4400 (price ÷ EPS = P/E 10.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Banco Do Brasil SA (BDORY)?
The dividend yield of Banco Do Brasil SA is 1.2% (payout 12.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Banco Do Brasil SA (BDORY)?
The net margin of Banco Do Brasil SA is 3.9% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Banco Do Brasil SA (BDORY)?
The return on equity (ROE) of Banco Do Brasil SA is 9.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Banco Do Brasil SA (BDORY)?
On an EBIT basis the return on assets of Banco Do Brasil SA is 1.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Banco Do Brasil SA (BDORY)?
The operating margin of Banco Do Brasil SA is 14.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Banco Do Brasil SA (BDORY)?
Revenue at Banco Do Brasil SA is growing −21.8% versus a year earlier (3y avg +40.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Banco Do Brasil SA (BDORY)?
Earnings per share at Banco Do Brasil SA are growing −54.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Banco Do Brasil SA (BDORY) generate?
The free cash flow of Banco Do Brasil SA is R$152B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Banco Do Brasil SA (BDORY) hold?
Banco Do Brasil SA holds more cash than debt, R$37.4B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Sep 25, 2026