Banco Bradesco S.A.
Banco Bradesco S.A. Fundamental Analysis
Banco Bradesco S.A. (XBBDC.MC) shows moderate financial fundamentals with a PE ratio of 1.34, profit margin of 6.79%, and ROE of 13.55%. The company generates $2245.9B in annual revenue with strong year-over-year growth of 15.41%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 51.3/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze XBBDC.MC's fundamental strength across five key dimensions:
Efficiency Score
WeakXBBDC.MC struggles to generate sufficient returns from assets.
Valuation Score
ExcellentXBBDC.MC trades at attractive valuation levels.
Growth Score
ExcellentXBBDC.MC delivers strong and consistent growth momentum.
Financial Health Score
WeakXBBDC.MC carries high financial risk with limited liquidity.
Profitability Score
WeakXBBDC.MC struggles to sustain strong margins.
Key Financial Metrics
Is XBBDC.MC Expensive or Cheap?
P/E Ratio
XBBDC.MC trades at 1.34 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, XBBDC.MC's PEG of 0.01 indicates potential undervaluation.
Price to Book
The market values Banco Bradesco S.A. at 0.18 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -27.66 times EBITDA. This is generally considered low.
How Well Does XBBDC.MC Make Money?
Net Profit Margin
For every $100 in sales, Banco Bradesco S.A. keeps $6.79 as profit after all expenses.
Operating Margin
Core operations generate 6.35 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.55 in profit for every $100 of shareholder equity.
ROA
Banco Bradesco S.A. generates $1.02 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Banco Bradesco S.A. generates strong operating cash flow of $1.69T, reflecting robust business health.
Free Cash Flow
Banco Bradesco S.A. generates strong free cash flow of $1.66T, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $156.95 in free cash annually.
FCF Yield
XBBDC.MC converts 1.26% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
1.34
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.007
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.18
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.59
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
4.45
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.46
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.14
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How XBBDC.MC Stacks Against Its Sector Peers
| Metric | XBBDC.MC Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 1.34 | 18.59 | Better (Cheaper) |
| ROE | 13.55% | 801.00% | Weak |
| Net Margin | 6.79% | -498.00% (disorted) | Weak |
| Debt/Equity | 4.45 | 0.98 | Weak (High Leverage) |
| Current Ratio | 0.46 | 661.40 | Weak Liquidity |
| ROA | 1.02% | -21324.00% (disorted) | Weak |
XBBDC.MC outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Banco Bradesco S.A.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-6.44%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
-17.33%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
360.08%
Industry Style: Value, Dividend, Cyclical
High Growth