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BANCO SANTANDER BRASIL-ADS (BSBR) Stock Fundamental Analysis

NYSE:BSBR - New York Stock Exchange, Inc. - US05967A1079 - ADR - Currency: USD

4.85  -0.27 (-5.27%)

After market: 4.86 +0.01 (+0.21%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to BSBR. BSBR was compared to 396 industry peers in the Banks industry. BSBR may be in some trouble as it scores bad on both profitability and health. BSBR is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year BSBR was profitable.
BSBR had a positive operating cash flow in the past year.
BSBR had positive earnings in each of the past 5 years.
In the past 5 years BSBR always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 10B 20B 30B 40B 50B

1.2 Ratios

BSBR has a better Return On Assets (1.00%) than 64.90% of its industry peers.
With a decent Return On Equity value of 10.43%, BSBR is doing good in the industry, outperforming 71.97% of the companies in the same industry.
Industry RankSector Rank
ROA 1%
ROE 10.43%
ROIC N/A
ROA(3y)1.32%
ROA(5y)1.51%
ROE(3y)11.97%
ROE(5y)13.12%
ROIC(3y)N/A
ROIC(5y)N/A
BSBR Yearly ROA, ROE, ROICBSBR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15

1.3 Margins

The Profit Margin of BSBR (14.03%) is worse than 78.54% of its industry peers.
In the last couple of years the Profit Margin of BSBR has declined.
The Operating Margin and Gross Margin are not available for BSBR so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 14.03%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.34%
PM growth 5Y-9.67%
GM growth 3YN/A
GM growth 5YN/A
BSBR Yearly Profit, Operating, Gross MarginsBSBR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20

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1

2. Health

2.1 Basic Checks

BSBR has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for BSBR has been reduced compared to 5 years ago.
BSBR has a worse debt/assets ratio than last year.
BSBR Yearly Shares OutstandingBSBR Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B
BSBR Yearly Total Debt VS Total AssetsBSBR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200B 400B 600B 800B 1T

2.2 Solvency

BSBR has a debt to FCF ratio of 30.08. This is a negative value and a sign of low solvency as BSBR would need 30.08 years to pay back of all of its debts.
BSBR has a Debt to FCF ratio of 30.08. This is amonst the worse of the industry: BSBR underperforms 83.33% of its industry peers.
BSBR has a Debt/Equity ratio of 2.33. This is a high value indicating a heavy dependency on external financing.
BSBR's Debt to Equity ratio of 2.33 is on the low side compared to the rest of the industry. BSBR is outperformed by 91.16% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.33
Debt/FCF 30.08
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
BSBR Yearly LT Debt VS Equity VS FCFBSBR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 50B 100B

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 20B 40B 60B 80B 100B

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3

3. Growth

3.1 Past

BSBR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 19.38%, which is quite good.
The Earnings Per Share has been decreasing by -5.47% on average over the past years.
The Revenue has grown by 21.87% in the past year. This is a very strong growth!
Measured over the past years, BSBR shows a small growth in Revenue. The Revenue has been growing by 4.54% on average per year.
EPS 1Y (TTM)19.38%
EPS 3Y-11.02%
EPS 5Y-5.47%
EPS Q2Q%29.59%
Revenue 1Y (TTM)21.87%
Revenue growth 3Y0.35%
Revenue growth 5Y4.54%
Sales Q2Q%18.9%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
BSBR Yearly Revenue VS EstimatesBSBR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 20B 40B 60B
BSBR Yearly EPS VS EstimatesBSBR Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2022 1 2 3

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 16.17 indicates a correct valuation of BSBR.
71.46% of the companies in the same industry are cheaper than BSBR, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 27.50, BSBR is valued a bit cheaper.
Industry RankSector Rank
PE 16.17
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

75.25% of the companies in the same industry are cheaper than BSBR, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 21.99
EV/EBITDA N/A
BSBR Per share dataBSBR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5 2 2.5

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.13%, BSBR has a reasonable but not impressive dividend return.
With a Dividend Yield of 1.13, BSBR pays less dividend than the industry average, which is at 3.25. 81.31% of the companies listed in the same industry pay a better dividend than BSBR!
Compared to an average S&P500 Dividend Yield of 2.34, BSBR's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.13%

5.2 History

BSBR has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
BSBR Yearly Dividends per shareBSBR Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
BSBR Yearly Income VS Free CF VS DividendBSBR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 10B 20B 30B 40B

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BANCO SANTANDER BRASIL-ADS

NYSE:BSBR (7/18/2025, 8:04:01 PM)

After market: 4.86 +0.01 (+0.21%)

4.85

-0.27 (-5.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30 2025-04-30/bmo
Earnings (Next)07-30 2025-07-30
Inst Owners2.45%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap36.23B
Analysts81.82
Price TargetN/A
Short Float %0.2%
Short Ratio1.48
Dividend
Industry RankSector Rank
Dividend Yield 1.13%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date07-21 2025-07-21 (0.096379)
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 16.17
Fwd PE N/A
P/S 2.29
P/FCF 21.99
P/OCF 23.47
P/B 1.7
P/tB 2.35
EV/EBITDA N/A
EPS(TTM)0.3
EY6.19%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.22
FCFY4.55%
OCF(TTM)0.21
OCFY4.26%
SpS2.12
BVpS2.85
TBVpS2.06
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1%
ROE 10.43%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.03%
GM N/A
FCFM 10.42%
ROA(3y)1.32%
ROA(5y)1.51%
ROE(3y)11.97%
ROE(5y)13.12%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.34%
PM growth 5Y-9.67%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 2.33
Debt/FCF 30.08
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 74.27%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACCN/A
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)154.07%
Profit Quality(5y)178.58%
High Growth Momentum
Growth
EPS 1Y (TTM)19.38%
EPS 3Y-11.02%
EPS 5Y-5.47%
EPS Q2Q%29.59%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)21.87%
Revenue growth 3Y0.35%
Revenue growth 5Y4.54%
Sales Q2Q%18.9%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
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-5.21%
FCF growth 3Y-3.15%
FCF growth 5Y47.39%
OCF growth 1Y-33.95%
OCF growth 3Y-4.7%
OCF growth 5Y34.64%