(BSBR) Banco Santander Brasil - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 40.432m USD | Total Return: 10.6% in 12m
Avg Turnover: 5.01M
EPS Trend: 96.8%
Qual. Beats: 0
Rev. Trend: 95.0%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
Banco Santander (Brasil) S.A. (BSBR) is a major financial institution headquartered in São Paulo, providing a comprehensive suite of retail and wholesale banking services. The company operates through two primary segments: Commercial Banking, focusing on individuals and small-to-medium enterprises, and Global Wholesale Banking, which handles corporate investment banking, structured finance, and capital markets operations.
The firm utilizes a multi-channel distribution model comprising physical branches, automated teller machines, and digital platforms to deliver products ranging from agribusiness credit to insurance and microfinance. In the Brazilian banking sector, large diversified banks often benefit from high interest rate spreads and significant cross-selling opportunities across insurance and asset management divisions. As a subsidiary of the Spanish-based Santander Group, the bank leverages global scale while maintaining a localized focus on Brazils emerging market dynamics.
Investors may find additional fundamental insights by reviewing the latest valuation metrics on ValueRay. The companys diverse revenue streams, including consumer finance and energy trading, position it as a critical player in the South American financial landscape.
- Selic interest rate fluctuations directly impact net interest margin and credit spreads
- Retail loan portfolio quality and delinquency rates dictate provisioning and profitability
- Expansion of digital services and payroll loans drives market share growth
- Brazilian macroeconomic stability influences credit demand and capital market activity fees
| Net Income: 12.8b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -1.80 > 1.0 |
| NWC/Revenue: -321.9% < 20% (prev -276.2%; Δ -45.67% < -1%) |
| CFO/TA 0.01 > 3% & CFO 11.9b > Net Income 12.8b |
| Net Debt (-164b) to EBITDA (19.2b): -8.55 < 3 |
| Current Ratio: 0.37 > 1.5 & < 3 |
| Outstanding Shares: last quarter (7.49b) vs 12m ago 0.25% < -2% |
| Gross Margin: 27.15% > 18% (prev 0.33%; Δ 2.68k% > 0.5%) |
| Asset Turnover: 12.59% > 50% (prev 10.72%; Δ 1.87% > 0%) |
| Interest Coverage Ratio: 0.16 > 6 (EBITDA TTM 19.2b / Interest Expense TTM 107b) |
| A: -0.40 (Total Current Assets 298b - Total Current Liabilities 814b) / Total Assets 1294b |
| B: 0.05 (Retained Earnings 66.5b / Total Assets 1294b) |
| C: 0.01 (EBIT TTM 16.6b / Avg Total Assets 1273b) |
| D: 0.11 (Book Value of Equity 127b / Total Liabilities 1166b) |
| Altman-Z'' = -2.25 = D |
As of May 24, 2026, the stock is trading at USD 5.56 with a total of 1,332,906 shares traded.
Over the past week, the price has changed by +1.13%,
over one month by -10.82%,
over three months by -18.63% and
over the past year by +10.57%.
Banco Santander Brasil has received a consensus analysts rating of 3.80. Therefore, it is recommended to hold BSBR.
- StrongBuy: 1
- Buy: 2
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 7.1 | 27% |
P/E Trailing = 16.875
P/E Forward = 6.25
P/S = 0.8843
P/B = 1.7063
P/EG = 0.4181
Revenue TTM = 160b BRL
EBIT TTM = 16.6b BRL
EBITDA TTM = 19.2b BRL
Long Term Debt = 29.3b BRL (from longTermDebt, last quarter)
Short Term Debt = 105b BRL (from shortTermDebt, last quarter)
Debt = 134b BRL (from shortLongTermDebtTotal, last quarter)
Net Debt = -164b BRL (calculated: Debt 134b - CCE 298b)
Enterprise Value = 37.8b BRL (202b + Debt 134b - CCE 298b)
Interest Coverage Ratio = 0.16 (Ebit TTM 16.6b / Interest Expense TTM 107b)
EV/FCF = 4.65x (Enterprise Value 37.8b / FCF TTM 8.12b)
FCF Yield = 21.48% (FCF TTM 8.12b / Enterprise Value 37.8b)
FCF Margin = 5.06% (FCF TTM 8.12b / Revenue TTM 160b)
Net Margin = 7.98% (Net Income TTM 12.8b / Revenue TTM 160b)
Gross Margin = 27.15% ((Revenue TTM 160b - Cost of Revenue TTM 117b) / Revenue TTM)
Gross Margin QoQ = 28.07% (prev 28.79%)
Tobins Q-Ratio = 0.03 (Enterprise Value 37.8b / Total Assets 1294b)
Interest Expense / Debt = 79.69% (Interest Expense 107b / Debt 134b)
Taxrate = 30.33% (1.43b / 4.71b)
NOPAT = 11.6b (EBIT 16.6b * (1 - 30.33%))
Current Ratio = 0.37 (Total Current Assets 298b / Total Current Liabilities 814b)
Debt / Equity = 1.06 (Debt 134b / totalStockholderEquity, last quarter 126b)
Debt / EBITDA = -8.55 (Net Debt -164b / EBITDA 19.2b)
Debt / FCF = -20.25 (Net Debt -164b / FCF TTM 8.12b)
Total Stockholder Equity = 124b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.00% (Net Income 12.8b / Total Assets 1294b)
RoE = 10.28% (Net Income TTM 12.8b / Total Stockholder Equity 124b)
RoCE = 10.79% (EBIT 16.6b / Capital Employed (Equity 124b + L.T.Debt 29.3b))
RoIC = 3.37% (NOPAT 11.6b / Invested Capital 343b)
WACC = 5.84% (E(202b)/V(336b) * Re(9.71%) + (debt cost/tax rate unavailable))
Discount Rate = 9.71% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 48.89 | Cagr: 0.27%
[DCF] Terminal Value 73.10% ; FCFF base≈17.0b ; Y1≈14.9b ; Y5≈12.1b
[DCF] Fair Price = 47.80 (EV 194b - Net Debt -164b = Equity 358b / Shares 7.49b; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 96.82 | EPS CAGR: 57.26% | SUE: -0.07 | # QB: 0
Revenue Correlation: 95.04 | Revenue CAGR: 12.25% | SUE: 0.49 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.21 | Chg30d=+0.47% | Revisions=+14% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.22 | Chg30d=+1.67% | Revisions=+33% | Analysts=3
EPS current Year (2026-12-31): EPS=0.87 | Chg30d=+1.30% | Revisions=+0% | GrowthEPS=+8.9% | GrowthRev=+5.9%
EPS next Year (2027-12-31): EPS=0.97 | Chg30d=+2.48% | Revisions=+0% | GrowthEPS=+11.4% | GrowthRev=+8.0%
[Analyst] Revisions Ratio: +33%