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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 $5.42, about 212.5% undervalued vs fair value, -0.9% 1Y return, placing in the top 25% of its sector.
USD 5.42
0.93%
(Delayed)
• Vol 90d: 36.1%
52-Week Range
Market Cap
$19.75B
Enterprise Value
$196.56B
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 Jul 22

Fair Value Snapshot

Bear Base Bull
$9
$17
$32
Current: $5.42 +213% 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

$149.8B
3266.1% 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
66
/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 (35.1%), Profitability (43.5%), and Safety (21.4%). Growth 35% Safety 21% Profitability 44%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

63th percentile vs peers
63
Key Signals
NII Growth YoY 20.9% 91p Asset Growth YoY 11.0% 78p Equity Growth YoY 4.4% 35p EPS Growth YoY -28.0% 17p
Strengths
  • NII Growth YoY in top 20% of peers (20.9%, 91th percentile)
  • Net Interest Margin in top 20% of peers (4.6%, 90th percentile)
  • Efficiency Ratio in top 20% of peers (59.1%, 82th percentile)
  • Growth above peer median with strong metric coverage (80%)
Risks
  • EPS Growth YoY in bottom 20% of peers (-28.0%)

Profitability

78th percentile vs peers
78
Key Signals
Strengths
Risks
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Safety

38th percentile vs peers
39
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
$16.94
- - -
+212.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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