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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 Framework: Banks & Lenders Large Cap
Banco Santander (Brasil) S.A. (BSBR), is a Large Cap company, in the Banks - Regional industry, last closed at $4.84, about 32.0% overvalued vs fair value, -11.7% 1Y return, placing in the top 10% of its sector.
Metrics P/E 20.5× Rev Growth -3.8% ROE 10.4% Div Yield 5.14%
USD 4.84
0.41%
(Delayed)
• Vol 90d: 43.2%
52-Week Range
Market Cap
$18.11B
Enterprise Value
$-16.87B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 88%
Updated: Oct 24
Top Beats

Quick Facts

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

Next Events

Earnings Oct 28 Call: Oct 28
Dividend Nov 19

Fair Value Snapshot

Bear Base Bull
$2
$3
$6
Current: $4.84 -32% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
BRL 162.5B
18.5%%
Interest Expense
BRL 104.9B
Net Interest Income
BRL 57.6B
1.7%%
Total Revenue
BRL 46.7B
-3.8%%
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
5.0%
Poor

Net Income / Equity - key bank profitability metric

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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
64
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Capital Position Capital position is strong (score 0.66), exceeding regulatory minimums.
  • Industry-Leading Efficiency Operational efficiency is excellent (score 0.72).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
60
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

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 (24.6%), Profitability (45.2%), and Safety (30.2%). Growth 25% Safety 30% Profitability 45%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

38th percentile vs peers
39
Key Signals
EPS Growth YoY 87.3% 86p Asset Growth YoY 2.5% 34p NII Growth YoY 1.7% 20p Equity Growth YoY 4.8% 29p
Strengths
  • EPS Growth YoY in top 20% of peers (87.3%, 86th percentile)
  • Net Interest Margin in top 20% of peers (4.5%, 90th percentile)
  • Conservative leverage compared to industry peers
Risks
  • NII Growth YoY in bottom 20% of peers (1.7%)
  • Growth below peer median (percentile: 38)

Profitability

71th percentile vs peers
71
Key Signals
Strengths
Risks
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Safety

47th percentile vs peers
48
Key Signals
Strengths
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Two Futures

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

Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • 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
$3.29
- - -
-32.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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