WallStSmart

Banco Bradesco S/A ADR (BBDO)vsU.S. Bancorp (USB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Banco Bradesco S/A ADR generates 244% more annual revenue ($91.67B vs $26.65B). USB leads profitability with a 29.3% profit margin vs 25.4%. BBDO appears more attractively valued with a PEG of 1.57. USB earns a higher WallStSmart Score of 71/100 (B).

BBDO

Strong Buy

70

out of 100

Grade: B

Growth: 4.3Profit: 8.5Value: 6.3Quality: 3.0
Piotroski: 5/9Altman Z: 0.35

USB

Strong Buy

71

out of 100

Grade: B

Growth: 6.0Profit: 7.5Value: 6.3Quality: 3.5
Piotroski: 4/9Altman Z: -0.36

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BBDO6 strengths · Avg: 9.8/10
P/E RatioValuation
7.1x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Return on EquityProfitability
67.5%10/10

Every $100 of equity generates 68 in profit

Operating MarginProfitability
35.1%10/10

Strong operational efficiency at 35.1%

Free Cash FlowQuality
$14.76B10/10

Generating 14.8B in free cash flow

Profit MarginProfitability
25.4%9/10

Keeps 25 of every $100 in revenue as profit

USB6 strengths · Avg: 9.3/10
P/E RatioValuation
11.4x10/10

Attractively priced relative to earnings

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
37.8%10/10

Strong operational efficiency at 37.8%

Market CapQuality
$84.69B9/10

Large-cap with strong market position

Profit MarginProfitability
29.3%9/10

Keeps 29 of every $100 in revenue as profit

Free Cash FlowQuality
$1.34B8/10

Generating 1.3B in free cash flow

Areas to Watch

BBDO4 concerns · Avg: 2.3/10
PEG RatioValuation
1.574/10

Expensive relative to growth rate

EPS GrowthGrowth
-7.5%2/10

Earnings declined 7.5%

Altman Z-ScoreHealth
0.352/10

Distress zone — elevated risk

Debt/EquityHealth
4.701/10

Elevated debt levels

USB4 concerns · Avg: 3.3/10
PEG RatioValuation
1.834/10

Expensive relative to growth rate

Revenue GrowthGrowth
4.6%4/10

4.6% revenue growth

Debt/EquityHealth
1.203/10

Elevated debt levels

Altman Z-ScoreHealth
-0.362/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : BBDO

The strongest argument for BBDO centers on P/E Ratio, Price/Book, Return on Equity. Profitability is solid with margins at 25.4% and operating margin at 35.1%. Revenue growth of 10.5% demonstrates continued momentum.

Bull Case : USB

The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.

Bear Case : BBDO

The primary concerns for BBDO are PEG Ratio, EPS Growth, Altman Z-Score. Debt-to-equity of 4.70 is elevated, increasing financial risk.

Bear Case : USB

The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.

Key Dynamics to Monitor

BBDO profiles as a mature stock while USB is a value play — different risk/reward profiles.

USB carries more volatility with a beta of 1.02 — expect wider price swings.

BBDO is growing revenue faster at 10.5% — sustainability is the question.

BBDO generates stronger free cash flow (14.8B), providing more financial flexibility.

Bottom Line

USB scores higher overall (71/100 vs 70/100), backed by strong 29.3% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Banco Bradesco S/A ADR

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Banco Bradesco SA, offers various banking products and services to individuals, corporations and companies in Brazil and internationally. The company is headquartered in Osasco, Brazil.

U.S. Bancorp

FINANCIAL SERVICES · BANKS - REGIONAL · USA

U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.

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