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Company Analysis

Banco Santander Brasil SA BSBR

A comprehensive view of key metrics, scores, and financial health for Banco Santander Brasil SA

Overview of Banco Santander (Brasil) S.A.

BSBR NYQ
Financial Services Banks - Regional Large Cap
Banco Santander (Brasil) S.A. (BSBR), is a Large Cap company, in the Banks - Regional industry, last closed at $5.90, about 187.1% undervalued vs fair value, +12.2% 1Y return, placing in the top 25% of its sector.
$5.90
-0.67%
As of April 28, 2026
Previous close • Vol 90d: 37.1%
52-Week Range
Market Cap
$21.97B
Enterprise Value
$198.79B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 89%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.santander.com.br
HQ São Paulo, SP
Employees 49,661
Fiscal year Dec 31

Next Events

Earnings Apr 29

Fair Value Snapshot

Bear Base Bull
$9
$17
$32
Current: $5.90 +187% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$137.2B
6.9%%
Interest Expense
$80.5B
Net Interest Income
$56.7B
20.9%%
Total Revenue
$48.5B
21.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
5.4%
Poor

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$150.0B
2311.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Banco Santander Brasil SA's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
67
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
61
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing BSBR's balance between Growth (34.7%), Profitability (44.6%), and Safety (20.7%). Growth 35% Safety 21% Profitability 45%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

63th percentile vs peers
64
Key Signals
NII Growth YoY 20.9% 93p Asset Growth YoY 11.0% 81p Equity Growth YoY 4.4% 31p EPS Growth YoY -28.0% 18p
Strengths
  • NII Growth YoY in top 20% of peers (20.9%, 93th percentile)
  • Asset Growth YoY in top 20% of peers (11.0%, 81th percentile)
  • Net Interest Margin in top 20% of peers (4.6%, 93th percentile)
  • Efficiency Ratio in top 20% of peers (59.1%, 87th percentile)
Risks
  • EPS Growth YoY in bottom 20% of peers (-28.0%)

Profitability

81th percentile vs peers
82
Key Signals
Strengths
Risks
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Safety

38th percentile vs peers
38
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Banco Santander Brasil SA.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$16.94
- - -
+187.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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