Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data BANK BRADESCO files with the SEC in its annual reports.
In BRL millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2017
FY2017
FY2018
FY2019
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
General and administrative
16,150
16,882
16,874
16,490
-15,484
-15,993
-17,511
Pre-tax income
31,905
23,744
19,442
13,381
4,075
32,852
24,622
10,208
16,901
21,025
Income tax
13,913
6,429
2,694
-7,792
11,959
-9,472
-3,165
4,294
642
2,900
Net income to minority interests
98.5
225
165
150
197
208
234
251
289
252
Net income
17,894
17,089
16,584
21,023
15,837
23,172
21,223
14,251
17,253
23,673
EPS, basic
1.41
2.07
1.89
1.27
EPS, diluted
1.55
2.27
2.09
1.41
Balance sheet
FY2017
FY2017
FY2018
FY2019
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
Cash and equivalents
181,230
156,054
110,226
61,879
190,821
71,386
126,185
186,791
208,024
193,517
Property, plant and equipment
8,397
8,432
14,659
14,071
14,071
13,513
11,971
11,118
10,220
9,405
Intangible assets
15,798
16,179
16,129
14,725
14,669
14,911
18,800
22,107
23,749
25,740
Total assets
1,192,030
1,224,353
1,305,544
1,378,528
1,604,654
1,675,572
1,792,289
1,927,523
2,069,484
2,330,327
Total liabilities
1,086,550
1,106,660
1,180,868
1,242,984
1,458,536
1,525,343
1,632,278
1,760,509
1,900,542
2,151,379
Total debt
22,165
18,522
29,681
29,272
23,966
26,546
32,625
22,809
46,770
39,000
Retained earnings
4,907
7,339
2,035
476
-234
993
128
-765
-2,510
-70.8
Shareholders' equity
105,302
117,404
124,275
135,099
145,620
149,777
159,535
166,331
168,410
178,415
Minority interests
177
290
401
444
497
452
476
683
533
533
Total equity
105,479
115,556
124,676
135,544
146,117
149,009
160,011
167,014
168,942
178,949
Total liabilities and equity
1,192,030
1,224,353
1,305,544
1,378,528
1,604,654
1,675,572
1,792,289
1,927,523
2,069,484
2,330,327
Cash flow statement
FY2017
FY2017
FY2018
FY2019
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
Net income
17,993
17,315
16,748
21,173
16,034
23,381
21,457
14,503
17,542
23,925
Depreciation and amortization
3,658
4,569
4,808
5,866
5,921
5,773
5,306
6,025
6,371
7,063
Cash from operations
53,959
35,552
-6,497
-19,454
142,433
-101,993
49,768
-178
50,228
-62,534
Capital expenditures
-2,779
-1,898
-2,389
-2,629
-1,795
-1,157
-2,441
-1,953
-2,296
-5,022
Cash from investing
9,152
-18,230
-34,485
-15,327
20,462
-19,309
-17,779
83,606
-5,014
59,830
Dividends paid
-5,611
-6,512
-6,539
-17,751
-1,432
-9,914
-3,657
-8,928
-6,542
-11,834
Cash from financing
-23,525
-43,304
-5,598
-14,318
-36,406
-1,609
21,918
-23,063
-23,676
-11,715
Exchange rate effect
-5,618
806
752
753
2,452
3,475
Net change in cash
39,587
-25,982
-46,581
-49,099
126,489
-122,910
53,907
60,366
21,538
-14,419
Free cash flow
51,180
33,654
-8,887
-22,083
140,637
-103,150
47,327
-2,131
47,932
-67,556
Interest paid
-45,140
-27,254
-27,814
-27,246
21,560
29,926
72,121
88,961
80,755
106,027
Income taxes paid
31,905
23,744
19,442
13,381
4,075
-32,852
-24,622
-10,208
-16,901
-21,025
Key metrics
Worked out from the statements above. Latest values use fiscal 2025. No valuation: the share price is quoted in a different currency than the statements.
Profitability
Metric
Value
How it is calculated
Effective tax rate
13.8%
Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)
13.7%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
1.1%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Net income growth, 1y
37.2%
Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y
3.7%
Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y
8.4%
Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y
-224.5%
Operating cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow growth, 1y
-240.9%
Free cash flow vs the same period a year earlier. Only from a positive base.
Book value growth, 1y
5.9%
Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y
3.8%
Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y
4.1%
Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y
12.6%
Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y
9.1%
Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y
7.7%
Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Balance sheet health
Metric
Value
How it is calculated
Debt / equity
0.22x
Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets
1.7%
Total debt / total assets.
Liabilities / assets
92.3%
Total liabilities / total assets.
Net debt
-R$154.52B
Total debt - cash - short-term investments. Negative means more cash than debt.
Free cash flow / net income, when net income is positive.
Per share
Metric
Value
How it is calculated
Payout ratio
50.0%
Dividends paid / net income, when net income is positive.
Was BANK BRADESCO profitable in fiscal 2025?
Yes. Net income was R$23.67B, a net margin of -.
How much free cash flow did BANK BRADESCO generate in fiscal 2025?
Cash from operations of R$62.53B minus capital expenditures of R$5.02B left free cash flow of -R$67.56B.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.