BANCO SANTANDER BRASIL-ADS (BSBR) Fundamental Analysis & Valuation

NYSE:BSBR • US05967A1079

Current stock price

5.8 USD
-0.06 (-1.02%)
At close:
5.8 USD
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This BSBR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. BSBR Profitability Analysis

1.1 Basic Checks

  • In the past year BSBR was profitable.
  • BSBR had a positive operating cash flow in the past year.
  • In the past 5 years BSBR has always been profitable.
  • Of the past 5 years BSBR 4 years had a positive operating cash flow.
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 2025 0 20B -20B 40B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.01%, BSBR is in line with its industry, outperforming 54.79% of the companies in the same industry.
  • BSBR has a Return On Equity of 10.20%. This is in the better half of the industry: BSBR outperforms 60.90% of its industry peers.
Industry RankSector Rank
ROA 1.01%
ROE 10.2%
ROIC N/A
ROA(3y)0.98%
ROA(5y)1.21%
ROE(3y)9.88%
ROE(5y)11.46%
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 2025 5 10 15

1.3 Margins

  • The Profit Margin of BSBR (13.23%) is worse than 83.51% of its industry peers.
  • In the last couple of years the Profit Margin of BSBR has declined.
  • 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) 13.23%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.17%
PM growth 5Y-5.78%
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 2025 5 10 15 20

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0

2. BSBR Health Analysis

2.1 Basic Checks

  • BSBR does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The debt/assets ratio for BSBR is higher 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 2025 200B 400B 600B 800B 1T

2.2 Solvency

  • BSBR has a debt to FCF ratio of 859.80. This is a negative value and a sign of low solvency as BSBR would need 859.80 years to pay back of all of its debts.
  • The Debt to FCF ratio of BSBR (859.80) is worse than 89.10% of its industry peers.
  • BSBR has a Debt/Equity ratio of 2.29. This is a high value indicating a heavy dependency on external financing.
  • BSBR has a Debt to Equity ratio of 2.29. This is amonst the worse of the industry: BSBR underperforms 89.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.29
Debt/FCF 859.8
Altman-Z N/A
ROIC/WACCN/A
WACC6.64%
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 2025 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 2025 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. BSBR Growth Analysis

3.1 Past

  • BSBR shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.50%.
  • The Earnings Per Share has been decreasing by -1.37% on average over the past years.
  • The Revenue has been growing slightly by 7.40% in the past year.
  • BSBR shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.08% yearly.
EPS 1Y (TTM)-6.5%
EPS 3Y-4.38%
EPS 5Y-1.37%
EPS Q2Q%19.08%
Revenue 1Y (TTM)7.4%
Revenue growth 3Y8.43%
Revenue growth 5Y5.08%
Sales Q2Q%-15.54%

3.2 Future

  • BSBR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 300.48% yearly.
  • BSBR is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 75.54% yearly.
EPS Next Y1313.53%
EPS Next 2Y300.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year382.42%
Revenue Next 2Y126.76%
Revenue Next 3Y75.54%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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 2025 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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5

4. BSBR Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 16.11 indicates a correct valuation of BSBR.
  • Compared to the rest of the industry, the Price/Earnings ratio of BSBR indicates a slightly more expensive valuation: BSBR is more expensive than 76.06% of the companies listed in the same industry.
  • BSBR is valuated rather cheaply when we compare the Price/Earnings ratio to 26.64, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 5.69, which indicates a rather cheap valuation of BSBR.
  • BSBR's Price/Forward Earnings ratio is rather cheap when compared to the industry. BSBR is cheaper than 94.95% of the companies in the same industry.
  • BSBR's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.36.
Industry RankSector Rank
PE 16.11
Fwd PE 5.69
BSBR Price Earnings VS Forward Price EarningsBSBR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 87.50% of the companies in the same industry are cheaper than BSBR, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 649.14
EV/EBITDA N/A
BSBR Per share dataBSBR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • BSBR's earnings are expected to grow with 300.48% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.01
PEG (5Y)N/A
EPS Next 2Y300.48%
EPS Next 3YN/A

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

4

5. BSBR Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.97%, BSBR has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.57, BSBR is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, BSBR has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.97%

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

  • 50.89% of the earnings are spent on dividend by BSBR. This is a bit on the high side, but may be sustainable.
  • The dividend of BSBR is growing, but earnings are growing more, so the dividend growth is sustainable.
DP50.89%
EPS Next 2Y300.48%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B
BSBR Dividend Payout.BSBR Dividend Payout, showing the Payout Ratio.BSBR Dividend Payout.PayoutRetained Earnings

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BSBR Fundamentals: All Metrics, Ratios and Statistics

BANCO SANTANDER BRASIL-ADS

NYSE:BSBR (5/1/2026, 8:12:42 PM)

After market: 5.8 0 (0%)

5.8

-0.06 (-1.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry StrengthN/A
Industry GrowthN/A
Earnings (Last)04-29
Earnings (Next)07-22
Inst Owners0.07%
Inst Owner Change-0.02%
Ins OwnersN/A
Ins Owner Change-0.92%
Market Cap43.44B
Revenue(TTM)96.50B
Net Income(TTM)12.77B
Analysts81.82
Price TargetN/A
Short Float %0.94%
Short Ratio3.55
Dividend
Industry RankSector Rank
Dividend Yield 1.97%
Yearly Dividend0.16
Dividend Growth(5Y)0.01%
DP50.89%
Div Incr Years0
Div Non Decr Years0
Ex-Date04-23
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)1.61%
EPS NY rev (3m)6.6%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 16.11
Fwd PE 5.69
P/S 2.24
P/FCF 649.14
P/OCF 43.35
P/B 1.73
P/tB 2.35
EV/EBITDA N/A
EPS(TTM)0.36
EY6.21%
EPS(NY)1.02
Fwd EY17.59%
FCF(TTM)0.01
FCFY0.15%
OCF(TTM)0.13
OCFY2.31%
SpS2.59
BVpS3.36
TBVpS2.46
PEG (NY)0.01
PEG (5Y)N/A
Graham Number5.21305 (-10.12%)
Profitability
Industry RankSector Rank
ROA 1.01%
ROE 10.2%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.23%
GM N/A
FCFM 0.35%
ROA(3y)0.98%
ROA(5y)1.21%
ROE(3y)9.88%
ROE(5y)11.46%
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-11.17%
PM growth 5Y-5.78%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.08
Health
Industry RankSector Rank
Debt/Equity 2.29
Debt/FCF 859.8
Debt/EBITDA N/A
Cap/Depr 177.43%
Cap/Sales 4.83%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 2.61%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC6.64%
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)-6.5%
EPS 3Y-4.38%
EPS 5Y-1.37%
EPS Q2Q%19.08%
EPS Next Y1313.53%
EPS Next 2Y300.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.4%
Revenue growth 3Y8.43%
Revenue growth 5Y5.08%
Sales Q2Q%-15.54%
Revenue Next Year382.42%
Revenue Next 2Y126.76%
Revenue Next 3Y75.54%
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 1Y101.36%
FCF growth 3Y-63.49%
FCF growth 5Y-61.67%
OCF growth 1Y123.63%
OCF growth 3Y-10%
OCF growth 5Y-34.78%

BANCO SANTANDER BRASIL-ADS / BSBR Fundamental Analysis 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 5 / 10 to BANCO SANTANDER BRASIL-ADS (BSBR). This can be considered as Fairly Valued.


How profitable is BANCO SANTANDER BRASIL-ADS (BSBR) stock?

BANCO SANTANDER BRASIL-ADS (BSBR) has a profitability rating of 3 / 10.


Can you provide the financial health for BSBR stock?

The financial health rating of BANCO SANTANDER BRASIL-ADS (BSBR) is 0 / 10.


How sustainable is the dividend of BANCO SANTANDER BRASIL-ADS (BSBR) stock?

The dividend rating of BANCO SANTANDER BRASIL-ADS (BSBR) is 4 / 10 and the dividend payout ratio is 50.89%.