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BANCO SANTANDER BRASIL-ADS (BSBR) Stock Fundamental Analysis

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

5.27  +0.07 (+1.35%)

Fundamental Rating

2

Taking everything into account, BSBR scores 2 out of 10 in our fundamental rating. 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

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

1.2 Ratios

Looking at the Return On Assets, with a value of 1.00%, BSBR is in the better half of the industry, outperforming 64.90% of the companies in the same industry.
BSBR's Return On Equity of 10.43% is fine compared to the rest of the industry. BSBR outperforms 71.21% of its industry peers.
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

BSBR has a Profit Margin of 14.03%. This is in the lower half of the industry: BSBR underperforms 78.79% of its industry peers.
BSBR's Profit Margin has declined in the last couple of years.
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

The number of shares outstanding for BSBR remains at a similar level compared to 1 year ago.
Compared to 5 years ago, BSBR has less shares outstanding
Compared to 1 year ago, BSBR has a worse debt to assets ratio.
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

The Debt to FCF ratio of BSBR is 30.08, which is on the high side as it means it would take BSBR, 30.08 years of fcf income to pay off all of its debts.
BSBR has a worse Debt to FCF ratio (30.08) than 83.08% of its industry peers.
A Debt/Equity ratio of 2.33 is on the high side and indicates that BSBR has dependencies on debt financing.
With a Debt to Equity ratio value of 2.33, BSBR is not doing good in the industry: 90.91% of the companies in the same industry are doing better.
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.
BSBR shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -5.47% yearly.
BSBR shows a strong growth in Revenue. In the last year, the Revenue has grown by 21.87%.
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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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 18.17, which indicates a rather expensive current valuation of BSBR.
77.78% of the companies in the same industry are cheaper than BSBR, based on the Price/Earnings ratio.
BSBR's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.29.
Industry RankSector Rank
PE 18.17
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BSBR indicates a slightly more expensive valuation: BSBR is more expensive than 77.53% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 24.49
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

BSBR has a yearly dividend return of 0.94%, which is pretty low.
Compared to an average industry Dividend Yield of 3.46, BSBR's dividend is way lower than its industry peers. On top of this 83.33% of the companies listed in the same industry pay a better dividend than BSBR!
With a Dividend Yield of 0.94, BSBR pays less dividend than the S&P500 average, which is at 2.38.
Industry RankSector Rank
Dividend Yield 0.94%

5.2 History

BSBR has paid a dividend for at least 10 years, which is 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 (6/3/2025, 3:38:24 PM)

5.27

+0.07 (+1.35%)

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 Owners1.8%
Inst Owner Change0.07%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap39.37B
Analysts81.82
Price TargetN/A
Short Float %0.29%
Short Ratio1.91
Dividend
Industry RankSector Rank
Dividend Yield 0.94%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date04-23 2025-04-23 (0.068052)
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 18.17
Fwd PE N/A
P/S 2.55
P/FCF 24.49
P/OCF 26.15
P/B 1.9
P/tB 2.62
EV/EBITDA N/A
EPS(TTM)0.29
EY5.5%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.22
FCFY4.08%
OCF(TTM)0.2
OCFY3.82%
SpS2.06
BVpS2.78
TBVpS2.01
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%