Bank Bradesco (FRA:BREC) Moat Score: 6/10 (As of Jul. 03, 2026)


FRA:BREC Bank Bradesco SA FRA:BREC
70 GF Score
Price €3.00
GF Value €3.12
Valuation Fairly Valued
! 4 Warning Signs
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What is Bank Bradesco Moat Score?

Bank Bradesco FRA:BREC +0.67% 70 Moat Score is 6 as of Jul. 03, 2026. GuruFocus rates FRA:BREC with a GF Score™ of 70/100 and a GF Value™ of €3.12 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,612 Banks companies, Bank Bradesco ranks better than 97.83% on this metric.

Bank Bradesco has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Bank Bradesco has Narrow Moat: Bank Bradesco SA has a strong narrow moat due to its significant market share in Brazil, strong brand, and extensive distribution network. It benefits from economies of scale but faces regulatory challenges and competition, preventing a wide moat classification.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Bank Bradesco might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Bank Bradesco  (FRA:BREC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Bank Bradesco Moat Score Related Terms

Bank Bradesco Moat Score Competitor Comparison

For the Banks - Regional subindustry, Bank Bradesco's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Bank Bradesco Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Bank Bradesco's Moat Score distribution charts can be found below:

* The bar in red indicates where Bank Bradesco's Moat Score falls into.


FRA:BREC
70GF Score
Bank Bradesco SA FRA:BREC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Bank Bradesco (FRA:BREC) has a Moat Score of 6 as of Jul. 03, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Bank Bradesco ranks #35 out of 1612 companies in the Banks industry, placing it in the top 2.2%.
Is Bank Bradesco's Moat Score too high?
Bank Bradesco's current Moat Score is 6. Based on the distribution chart, Bank Bradesco ranks #35 out of 1612 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank Bradesco has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank Bradesco's Moat Score compare to competitors?
According to the Banks industry distribution chart, Bank Bradesco ranks #35 out of 1612 companies for Moat Score. This places Bank Bradesco in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Bank Bradesco's current Moat Score is 6. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Bradesco stock overvalued right now?
Based on GuruFocus' analysis, Bank Bradesco (FRA:BREC) is currently considered Fairly Valued. The stock's GF Value™ is €3.12, compared to a current price of €3.00 — trading 3.8% below its estimated fair value. The current Moat Score is 6. Bank Bradesco's overall GF Score™ is 70/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Bank Bradesco (FRA:BREC), the current Moat Score is 6 as of Jul. 03, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Bank Bradesco (FRA:BREC) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Bradesco stock appears to be undervalued. The current stock price of €3.00 is trading 3.8% below its estimated GF Value™ of €3.12. GuruFocus considers Bank Bradesco to be Fairly Valued.

Key valuation signals for FRA:BREC:

  • Moat Score: 6
  • GF Value™: €3.12 vs. price of €3.00 (3.8% below fair value)
  • GF Score™: 70/100 with 4 warning signs

No single metric tells the full story. See the FRA:BREC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bank Bradesco Business Description

Address Cidade de Deus S/N, Silver Building, 4th floor, Vila Yara, Osasco, SP, BRA, 06029‑900
Banco Bradesco is Brazil's second-largest private bank, with about 10%-15% of deposits, and the largest insurance provider in Brazil, with roughly 20%-25% market share. The bank is majority controlled by the Bradesco foundation, a private nonprofit institution focused on education. The bank is also a major asset manager with high-single-digit market share. In 2016, Bradesco acquired the Brazilian operations of HSBC.
70GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€3.00
Price
€3.12
GF Value