Banco Bradesco SA
F:BREA
Decide at what price you'd be comfortable buying and we'll help you stay ready.
|
Banco Bradesco SA
F:BREA
|
BR |
|
V
|
Viscofan SA
DUS:VIS
|
ES |
|
M
|
Murphy Oil Corp
XBER:MUQ
|
US |
|
R
|
Royal Unibrew A/S
SWB:0R1
|
DK |
|
Aena SME SA
MAD:AENA
|
ES |
|
S
|
Siyaram Silk Mills Ltd
BSE:503811
|
IN |
|
Thunder Power Holdings Inc
OTC:AIEV
|
US |
|
A
|
Alibaba Group Holding Ltd
F:AHLA
|
CN |
Banco Bradesco SA
Banco Bradesco is one of Brazil’s biggest private banks. It takes deposits, makes loans, issues credit cards, handles payments, and offers checking, savings, investment, and cash management services. Its main customers are households, small and mid-sized businesses, and large companies that need everyday banking and financing. The bank also has a major insurance business, which is an important part of what makes Bradesco different. Through that arm, it sells life, auto, health, and property insurance, often to the same customers who use its banking services. It also earns fees from account services, card usage, fund management, and other financial products. Bradesco makes money the way most large banks do: by charging interest on loans and by collecting fees for financial services. Its business model is broader than a simple lender because it combines banking, insurance, and asset management under one brand, which helps it serve customers across many parts of their financial lives.
Banco Bradesco is one of Brazil’s biggest private banks. It takes deposits, makes loans, issues credit cards, handles payments, and offers checking, savings, investment, and cash management services. Its main customers are households, small and mid-sized businesses, and large companies that need everyday banking and financing.
The bank also has a major insurance business, which is an important part of what makes Bradesco different. Through that arm, it sells life, auto, health, and property insurance, often to the same customers who use its banking services. It also earns fees from account services, card usage, fund management, and other financial products.
Bradesco makes money the way most large banks do: by charging interest on loans and by collecting fees for financial services. Its business model is broader than a simple lender because it combines banking, insurance, and asset management under one brand, which helps it serve customers across many parts of their financial lives.
Strong Net Income: Bradesco posted recurring net income of BRL 6.5 billion for Q4 2025, up 20.6% year-on-year, and BRL 24.7 billion for the full year, a 26.1% increase.
ROAE Exceeds Cost of Capital: Return on average equity reached 15.2% in Q4, surpassing the cost of capital for the first time; management expects further improvement.
Loan Portfolio Growth: The expanded loan portfolio grew 11% in 2025, driven especially by strong SME performance, exceeding initial guidance.
SME and Digital Expansion: Significant gains in SME market share (now 16.6%) and digital retail clients, with cost to serve digital clients slashed by 40x.
Expense Growth Driven by Tech: Operating expenses rose 8.5%, mainly due to a 22% increase in technology investments; core expenses grew in line with inflation.
Capital and CET1: CET1 ratio expected to remain around 11% during 2026, despite regulatory changes and robust loan growth.
2026 Guidance Conservative: Management acknowledged market expectations for higher results but emphasized realistic guidance and ongoing investment in transformation.
Optimistic Outlook: Leadership remains confident in continued ROAE growth, operating leverage, and further digital and efficiency gains.
