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BBDC3 · B3 · Brazil · Bancos
Financial health
Mixed
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | – | n/a |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | – | n/a |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | -25.0% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | – | n/a |
| Years with positive free cash flow (last 5) | 2 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | – | n/a |
|---|---|---|
| Years of revenue decline (last 5) | 1 of 5 | 67/100 |
| Revenue growth volatility | 26.0% | 15/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | 9.5% | 69/100 |
|---|---|---|
| EPS growth, 3-year average | 4.4% | 47/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
1 older year available with the 10-year history. Essential plan, from €8.25/month →
No data reported.
The last 5 fiscal years from the company's annual reports.
BRL millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 125,443 | 205,913 | 224,458 | 213,220 | 270,183 |
| Pre-tax income | 32,852 | 24,210 | 10,208 | 16,901 | 21,025 |
| Income tax | 9,472 | 2,993 | 4,294 | 642 | 2,900 |
| Diluted EPS | BRL2.28 | BRL1.87 | BRL1.27 | BRL1.55 | BRL2.13 |
1 older year available with the 10-year history. Essential plan, from €8.25/month →
Not computed: the model does not apply to banks and insurers.
Not computed: it needs two consecutive complete years.
All figures: CVM (dados.cvm.gov.br). Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Dec 31, 2025 · Data updated Mar 25, 2026