Banco Bradesco (NYSE:BBD) Issues Quarterly Earnings Results, Hits Estimates

Banco Bradesco (NYSE:BBD) announced its quarterly earnings data on Friday. The bank reported $0.11 earnings per share for the quarter, meeting analysts’ consensus estimates of $0.11, reports. Banco Bradesco had a return on equity of 12.95% and a net margin of 9.61%.The company had revenue of $3.51 billion for the quarter, compared to analyst estimates of $6.68 billion.

Here are the key takeaways from Banco Bradesco’s conference call:

• Bradesco reported strong profit growth with recurring net income up 20.6% in Q4 and 26.1% for FY2025, and ROAE reached 15.2%, exceeding its cost of capital for the first time.
• The bank is rapidly scaling digital retail — 19 million fully digital clients today, a 40x reduction in direct cost-to-serve, and a target of roughly 40 million digital clients by end‑2026.
• Credit momentum is broad‑based — total loan portfolio growth accelerated to ~11% for 2025, with micro/small/medium companies up 21.3% and SME market share rising to 16.6%, supporting NII and fee growth.
• Management is doubling down on technology and AI (“AI‑first”), with technology capex +22% in 2025, productivity gains (app delivery capacity tripled) and continued AI deployments (BIA GenAI) to drive long‑term competitiveness.
• Operating expenses rose 8.5% (driven by higher tech spending, profit‑sharing and some marketing), and management acknowledged market disappointment with the 2026 guidance, creating potential near‑term pressure on sentiment despite long‑term objectives.

Banco Bradesco Trading Down 1.6%

BBD stock traded down $0.07 during midday trading on Friday, hitting $3.94. 62,998,767 shares of the company’s stock were exchanged, compared to its average volume of 41,203,797. Banco Bradesco has a 1-year low of $1.93 and a 1-year high of $4.28. The company has a current ratio of 1.12, a quick ratio of 1.12 and a debt-to-equity ratio of 0.64. The stock has a market capitalization of $41.88 billion, a PE ratio of 11.25, a P/E/G ratio of 0.37 and a beta of 0.52. The business has a 50-day simple moving average of $3.57 and a two-hundred day simple moving average of $3.33.

Banco Bradesco Increases Dividend

The firm also recently disclosed a monthly dividend, which will be paid on Wednesday, April 8th. Investors of record on Wednesday, March 4th will be given a $0.0036 dividend. The ex-dividend date is Wednesday, March 4th. This is a positive change from Banco Bradesco’s previous monthly dividend of $0.00. This represents a c) annualized dividend and a yield of 1.1%. Banco Bradesco’s dividend payout ratio (DPR) is currently 5.71%.

Institutional Trading of Banco Bradesco

A number of hedge funds and other institutional investors have recently modified their holdings of BBD. EverSource Wealth Advisors LLC lifted its position in Banco Bradesco by 100.5% in the second quarter. EverSource Wealth Advisors LLC now owns 8,685 shares of the bank’s stock valued at $27,000 after buying an additional 4,353 shares during the last quarter. Brooklyn Investment Group raised its stake in shares of Banco Bradesco by 1,276.5% in the 3rd quarter. Brooklyn Investment Group now owns 10,613 shares of the bank’s stock valued at $36,000 after acquiring an additional 9,842 shares during the period. Boothbay Fund Management LLC acquired a new position in shares of Banco Bradesco in the 2nd quarter worth approximately $42,000. Ausdal Financial Partners Inc. acquired a new position in shares of Banco Bradesco in the 3rd quarter worth approximately $47,000. Finally, Banco BTG Pactual S.A. purchased a new position in shares of Banco Bradesco during the 3rd quarter worth approximately $56,000.

Analyst Ratings Changes

Separately, Weiss Ratings reissued a “buy (b-)” rating on shares of Banco Bradesco in a research note on Monday, December 29th. Three analysts have rated the stock with a Buy rating and one has assigned a Sell rating to the company. According to MarketBeat.com, Banco Bradesco presently has an average rating of “Moderate Buy” and an average target price of $2.00.

Banco Bradesco Company Profile

Banco Bradesco SA is a major Brazilian financial institution headquartered in Osasco, São Paulo. Founded in 1943 by Amador Aguiar, the bank has grown into one of Brazil’s largest private-sector banks, offering a full range of financial services to retail, small and medium-sized enterprises, corporate and institutional clients. It operates across the banking value chain, including deposit-taking, lending, payments, trade finance and treasury services, and it participates actively in Brazil’s retail and corporate credit markets.

The company’s product and service mix extends beyond traditional banking to include insurance, pension plans, asset management, leasing and credit card services, delivered through a combination of branches, automated teller machines and digital channels.