(BSBR) Banco Santander Brasil - Ratings and Ratios
Loans, Insurance, Financing, Investments, Banking Services
BSBR EPS (Earnings per Share)
BSBR Revenue
Description: BSBR Banco Santander Brasil
Banco Santander Brasil SA ADR (NYSE:BSBR) is a major banking institution in Brazil, offering a diverse range of financial products and services to individuals, small and medium enterprises, and corporate customers. The companys comprehensive suite of services includes various loan options, insurance products, investment services, and cash management solutions, making it a one-stop-shop for its customers financial needs.
From a financial perspective, BSBR has a market capitalization of approximately $39.4 billion USD, with a price-to-earnings ratio of 17.00 and a forward P/E of 6.75, indicating a relatively stable valuation. The companys return on equity (RoE) stands at 11.28%, suggesting a decent level of profitability. Additionally, BSBRs dividend yield can be considered a relevant KPI, as it provides insight into the companys ability to distribute profits to shareholders.
To further evaluate BSBRs performance, other key performance indicators (KPIs) can be considered, such as the net interest margin (NIM), which measures the companys ability to generate income from its lending activities. The non-performing loan (NPL) ratio is another crucial metric, as it indicates the quality of BSBRs loan portfolio and its potential credit risk. Furthermore, the companys efficiency ratio, which measures its operating expenses as a percentage of revenue, can provide insight into its cost management and operational efficiency.
BSBRs presence in the Brazilian banking market is significant, with a large network of branches, ATMs, and digital channels. The companys ability to adapt to changing market conditions and its commitment to innovation will be crucial in maintaining its competitive edge. As a Trading Analyst, it is essential to closely monitor BSBRs financial performance, industry trends, and macroeconomic factors to identify potential trading opportunities.
BSBR Stock Overview
| Market Cap in USD | 38,700m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 2009-10-07 |
BSBR Stock Ratings
| Growth Rating | 20.0% |
| Fundamental | 48.8% |
| Dividend Rating | 38.6% |
| Return 12m vs S&P 500 | -12.2% |
| Analyst Rating | 3.80 of 5 |
BSBR Dividends
| Dividend Yield 12m | 6.09% |
| Yield on Cost 5y | 8.13% |
| Annual Growth 5y | -13.57% |
| Payout Consistency | 84.6% |
| Payout Ratio | 49.2% |
BSBR Growth Ratios
| Growth Correlation 3m | -0.9% |
| Growth Correlation 12m | 49.2% |
| Growth Correlation 5y | -16.2% |
| CAGR 5y | 4.32% |
| CAGR/Max DD 3y | 0.11 |
| CAGR/Mean DD 3y | 0.30 |
| Sharpe Ratio 12m | -0.13 |
| Alpha | -17.29 |
| Beta | 0.976 |
| Volatility | 28.60% |
| Current Volume | 478k |
| Average Volume 20d | 599.9k |
| Stop Loss | 5.2 (-3.2%) |
| Signal | -0.51 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (11.73b TTM) > 0 and > 6% of Revenue (6% = 7.10b TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA -2.73pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -310.2% (prev 648.3%; Δ -958.5pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 8.07b <= Net Income 11.73b (YES >=105%, WARN >=100%) |
| Net Debt (-41.14b) to EBITDA (13.42b) ratio: -3.07 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.46 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (7.47b) change vs 12m ago 0.15% (target <= -2.0% for YES) |
| Gross Margin 18.47% (prev 33.23%; Δ -14.76pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 9.74% (prev 3.67%; Δ 6.07pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.12 (EBITDA TTM 13.42b / Interest Expense TTM 92.03b) >= 6 (WARN >= 3) |
Altman Z'' -1.60
| (A) -0.30 = (Total Current Assets 310.07b - Total Current Liabilities 677.10b) / Total Assets 1240.33b |
| (B) 0.05 = Retained Earnings (Balance) 61.80b / Total Assets 1240.33b |
| (C) 0.01 = EBIT TTM 10.71b / Avg Total Assets 1215.16b |
| (D) 0.11 = Book Value of Equity 122.99b / Total Liabilities 1117.07b |
| Total Rating: -1.60 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 48.79
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 5.41% = 2.70 |
| 3. FCF Margin 4.36% = 1.09 |
| 4. Debt/Equity 1.50 = 1.47 |
| 5. Debt/Ebitda 13.63 = -2.50 |
| 6. ROIC - WACC -5.51% = -6.89 |
| 7. RoE 9.76% = 0.81 |
| 8. Rev. Trend 80.36% = 4.02 |
| 9. Rev. CAGR 57.11% = 2.50 |
| 10. EPS Trend -1.73% = -0.04 |
| 11. EPS CAGR -19.03% = -2.38 |
What is the price of BSBR shares?
Over the past week, the price has changed by -1.29%, over one month by +6.34%, over three months by +1.84% and over the past year by +4.53%.
Is Banco Santander Brasil a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BSBR is around 4.99 USD . This means that BSBR is currently overvalued and has a potential downside of -7.08%.
Is BSBR a buy, sell or hold?
- Strong Buy: 1
- Buy: 2
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the BSBR price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 6 | 11.7% |
| Analysts Target Price | 6 | 11.7% |
| ValueRay Target Price | 5.6 | 4.8% |
Last update: 2025-09-05 04:35
BSBR Fundamental Data Overview
CCE Cash And Equivalents = 296.12b BRL (Cash And Short Term Investments, last quarter)
P/E Trailing = 19.1852
P/E Forward = 5.8275
P/S = 0.7784
P/B = 1.7222
P/EG = 0.89
Beta = 0.398
Revenue TTM = 118.34b BRL
EBIT TTM = 10.71b BRL
EBITDA TTM = 13.42b BRL
Long Term Debt = 24.33b BRL (from longTermDebt, last quarter)
Short Term Debt = 158.57b BRL (from shortTermDebt, last quarter)
Debt = 182.89b BRL (Calculated: Short Term 158.57b + Long Term 24.33b)
Net Debt = -41.14b BRL (from netDebt column, last quarter)
Enterprise Value = 95.35b BRL (208.57b + Debt 182.89b - CCE 296.12b)
Interest Coverage Ratio = 0.12 (Ebit TTM 10.71b / Interest Expense TTM 92.03b)
FCF Yield = 5.41% (FCF TTM 5.16b / Enterprise Value 95.35b)
FCF Margin = 4.36% (FCF TTM 5.16b / Revenue TTM 118.34b)
Net Margin = 9.91% (Net Income TTM 11.73b / Revenue TTM 118.34b)
Gross Margin = 18.47% ((Revenue TTM 118.34b - Cost of Revenue TTM 96.48b) / Revenue TTM)
Tobins Q-Ratio = 0.78 (Enterprise Value 95.35b / Book Value Of Equity 122.99b)
Interest Expense / Debt = 14.06% (Interest Expense 25.71b / Debt 182.89b)
Taxrate = 30.10% (5.78b / 19.19b)
NOPAT = 7.49b (EBIT 10.71b * (1 - 30.10%))
Current Ratio = 0.46 (Total Current Assets 310.07b / Total Current Liabilities 677.10b)
Debt / Equity = 1.50 (Debt 182.89b / last Quarter total Stockholder Equity 122.27b)
Debt / EBITDA = 13.63 (Net Debt -41.14b / EBITDA 13.42b)
Debt / FCF = 35.46 (Debt 182.89b / FCF TTM 5.16b)
Total Stockholder Equity = 120.20b (last 4 quarters mean)
RoA = 0.95% (Net Income 11.73b, Total Assets 1240.33b )
RoE = 9.76% (Net Income TTM 11.73b / Total Stockholder Equity 120.20b)
RoCE = 7.41% (Ebit 10.71b / (Equity 120.20b + L.T.Debt 24.33b))
RoIC = 4.20% (NOPAT 7.49b / Invested Capital 178.22b)
WACC = 9.71% (E(208.57b)/V(391.47b) * Re(9.61%)) + (D(182.89b)/V(391.47b) * Rd(14.06%) * (1-Tc(0.30)))
Shares Correlation 3-Years: 9.38 | Cagr: -0.02%
Discount Rate = 9.61% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 63.72% ; FCFE base≈18.06b ; Y1≈11.86b ; Y5≈5.42b
Fair Price DCF = 11.22 (DCF Value 83.84b / Shares Outstanding 7.47b; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: 80.36 | Revenue CAGR: 57.11%
Rev Growth-of-Growth: 70.26
EPS Correlation: -1.73 | EPS CAGR: -19.03%
EPS Growth-of-Growth: -1.72
Additional Sources for BSBR Stock
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Fund Manager Positions: Dataroma | Stockcircle