BANCO SANTANDER BRASIL-ADS (BSBR) Stock Fundamental Analysis

NYSE:BSBR • US05967A1079

6.495 USD
-0.27 (-4.06%)
Last: Feb 13, 2026, 10:14 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

BSBR gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. BSBR has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, BSBR is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • BSBR had positive earnings in the past year.
  • In the past year BSBR has reported a negative cash flow from operations.
  • Each year in the past 5 years BSBR has been profitable.
  • BSBR had a positive operating cash flow in 4 of the past 5 years.
BSBR Yearly Net Income VS EBIT VS OCF VS FCFBSBR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B

1.2 Ratios

  • With a Return On Assets value of 0.94%, BSBR perfoms like the industry average, outperforming 53.81% of the companies in the same industry.
  • BSBR's Return On Equity of 9.63% is in line compared to the rest of the industry. BSBR outperforms 59.06% of its industry peers.
Industry RankSector Rank
ROA 0.94%
ROE 9.63%
ROIC N/A
ROA(3y)1.13%
ROA(5y)1.3%
ROE(3y)10.8%
ROE(5y)11.96%
ROIC(3y)N/A
ROIC(5y)N/A
BSBR Yearly ROA, ROE, ROICBSBR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • BSBR has a Profit Margin of 11.84%. This is amonst the worse of the industry: BSBR underperforms 82.15% of its industry peers.
  • BSBR's Profit Margin has declined in the last couple of years.
  • BSBR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 11.84%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.54%
PM growth 5Y-8.14%
GM growth 3YN/A
GM growth 5YN/A
BSBR Yearly Profit, Operating, Gross MarginsBSBR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • BSBR does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, BSBR has more shares outstanding
  • The number of shares outstanding for BSBR remains at a similar level compared to 5 years ago.
  • The debt/assets ratio for BSBR has been reduced compared to a year ago.
BSBR Yearly Shares OutstandingBSBR Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B
BSBR Yearly Total Debt VS Total AssetsBSBR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B 1T

2.2 Solvency

  • BSBR has a Debt/Equity ratio of 2.28. This is a high value indicating a heavy dependency on external financing.
  • BSBR has a worse Debt to Equity ratio (2.28) than 89.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.28
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.15%
BSBR Yearly LT Debt VS Equity VS FCFBSBR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50B 100B 150B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BSBR Yearly Current Assets VS Current LiabilitesBSBR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B 100B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • BSBR shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.29%.
  • BSBR shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -4.02% yearly.
  • BSBR shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.68%.
  • BSBR shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.49% yearly.
EPS 1Y (TTM)-3.29%
EPS 3Y-4.85%
EPS 5Y-4.02%
EPS Q2Q%5.11%
Revenue 1Y (TTM)14.68%
Revenue growth 3Y2.88%
Revenue growth 5Y4.49%
Sales Q2Q%30.44%

3.2 Future

  • Based on estimates for the next years, BSBR will show a very strong growth in Earnings Per Share. The EPS will grow by 150.00% on average per year.
  • Based on estimates for the next years, BSBR will show a very strong growth in Revenue. The Revenue will grow by 58.83% on average per year.
EPS Next YN/A
EPS Next 2Y271.09%
EPS Next 3Y150%
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2Y138.25%
Revenue Next 3Y82.21%
Revenue Next 5Y58.83%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
BSBR Yearly Revenue VS EstimatesBSBR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2026 2027 2028 20B 40B 60B 80B 100B
BSBR Yearly EPS VS EstimatesBSBR Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2022 2026 2027 1 2 3 4 5

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Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 20.95, BSBR is valued on the expensive side.
  • 82.94% of the companies in the same industry are cheaper than BSBR, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.67. BSBR is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 20.95
Fwd PE N/A
BSBR Price Earnings VS Forward Price EarningsBSBR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
BSBR Per share dataBSBR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3

4.3 Compensation for Growth

  • A more expensive valuation may be justified as BSBR's earnings are expected to grow with 150.00% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y271.09%
EPS Next 3Y150%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • BSBR has a Yearly Dividend Yield of 1.60%.
  • Compared to an average industry Dividend Yield of 2.53, BSBR is paying slightly less dividend.
  • BSBR's Dividend Yield is comparable with the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 1.6%

5.2 History

  • The dividend of BSBR has a limited annual growth rate of 0.01%.
  • BSBR has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)0.01%
Div Incr Years0
Div Non Decr Years0
BSBR Yearly Dividends per shareBSBR Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • 76.24% of the earnings are spent on dividend by BSBR. This is not a sustainable payout ratio.
  • BSBR's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP76.24%
EPS Next 2Y271.09%
EPS Next 3Y150%
BSBR Yearly Income VS Free CF VS DividendBSBR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B
BSBR Dividend Payout.BSBR Dividend Payout, showing the Payout Ratio.BSBR Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

BANCO SANTANDER BRASIL-ADS

NYSE:BSBR (2/13/2026, 10:14:52 AM)

6.495

-0.27 (-4.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04
Earnings (Next)04-29
Inst Owners1.51%
Inst Owner Change1.83%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap48.53B
Revenue(TTM)100.73B
Net Income(TTM)11.92B
Analysts81.82
Price TargetN/A
Short Float %0.43%
Short Ratio2.25
Dividend
Industry RankSector Rank
Dividend Yield 1.6%
Yearly Dividend0.15
Dividend Growth(5Y)0.01%
DP76.24%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-22
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 20.95
Fwd PE N/A
P/S 2.49
P/FCF N/A
P/OCF N/A
P/B 2.03
P/tB 2.76
EV/EBITDA N/A
EPS(TTM)0.31
EY4.77%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.54
FCFYN/A
OCF(TTM)-0.45
OCFYN/A
SpS2.6
BVpS3.2
TBVpS2.35
PEG (NY)N/A
PEG (5Y)N/A
Graham Number4.73
Profitability
Industry RankSector Rank
ROA 0.94%
ROE 9.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 11.84%
GM N/A
FCFM N/A
ROA(3y)1.13%
ROA(5y)1.3%
ROE(3y)10.8%
ROE(5y)11.96%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.54%
PM growth 5Y-8.14%
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 2.28
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 130.77%
Cap/Sales 3.46%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score3
WACC7.15%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-3.29%
EPS 3Y-4.85%
EPS 5Y-4.02%
EPS Q2Q%5.11%
EPS Next YN/A
EPS Next 2Y271.09%
EPS Next 3Y150%
EPS Next 5YN/A
Revenue 1Y (TTM)14.68%
Revenue growth 3Y2.88%
Revenue growth 5Y4.49%
Sales Q2Q%30.44%
Revenue Next YearN/A
Revenue Next 2Y138.25%
Revenue Next 3Y82.21%
Revenue Next 5Y58.83%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-142.65%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-135.21%
OCF growth 3YN/A
OCF growth 5YN/A

BANCO SANTANDER BRASIL-ADS / BSBR FAQ

What is the ChartMill fundamental rating of BANCO SANTANDER BRASIL-ADS (BSBR) stock?

ChartMill assigns a fundamental rating of 3 / 10 to BSBR.


What is the valuation status of BANCO SANTANDER BRASIL-ADS (BSBR) stock?

ChartMill assigns a valuation rating of 1 / 10 to BANCO SANTANDER BRASIL-ADS (BSBR). This can be considered as Overvalued.


Can you provide the profitability details for BANCO SANTANDER BRASIL-ADS?

BANCO SANTANDER BRASIL-ADS (BSBR) has a profitability rating of 2 / 10.


What are the PE and PB ratios of BANCO SANTANDER BRASIL-ADS (BSBR) stock?

The Price/Earnings (PE) ratio for BANCO SANTANDER BRASIL-ADS (BSBR) is 20.95 and the Price/Book (PB) ratio is 2.03.


Can you provide the dividend sustainability for BSBR stock?

The dividend rating of BANCO SANTANDER BRASIL-ADS (BSBR) is 4 / 10 and the dividend payout ratio is 76.24%.