BANCO SANTANDER BRASIL-ADS (BSBR) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BSBR - US05967A1079 - ADR
6.43 USD
+0.21 (+3.38%)
6.43 USD
0 (0%)
BSBR gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. BSBR has a bad profitability rating. Also its financial health evaluation is rather negative. BSBR does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year BSBR was profitable.
BSBR had a positive operating cash flow in the past year.
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.
1.2 Ratios
BSBR's Return On Assets of 0.95% is in line compared to the rest of the industry. BSBR outperforms 55.04% of its industry peers.
BSBR has a Return On Equity (9.60%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 9.6% | ||
| 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
1.3 Margins
The Profit Margin of BSBR (12.40%) is worse than 82.17% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 12.4% | ||
| 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
2. Health
2.1 Basic Checks
BSBR does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BSBR has been increased compared to 1 year ago.
The number of shares outstanding for BSBR remains at a similar level compared to 5 years ago.
BSBR has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of BSBR is 70.93, which is on the high side as it means it would take BSBR, 70.93 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 70.93, BSBR is not doing good in the industry: 85.27% of the companies in the same industry are doing better.
A Debt/Equity ratio of 2.66 is on the high side and indicates that BSBR has dependencies on debt financing.
The Debt to Equity ratio of BSBR (2.66) is worse than 91.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.66 | ||
| Debt/FCF | 70.93 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.21%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 2.08% over the past year.
The Earnings Per Share has been decreasing by -4.02% on average over the past years.
The Revenue has grown by 11.79% in the past year. This is quite good.
BSBR shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.49% yearly.
EPS 1Y (TTM)2.08%
EPS 3Y-4.85%
EPS 5Y-4.02%
EPS Q2Q%-46.77%
Revenue 1Y (TTM)11.79%
Revenue growth 3Y2.88%
Revenue growth 5Y4.49%
Sales Q2Q%3.04%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 22.17, which indicates a rather expensive current valuation of BSBR.
Compared to the rest of the industry, the Price/Earnings ratio of BSBR indicates a rather expensive valuation: BSBR more expensive than 82.17% of the companies listed in the same industry.
BSBR's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.15.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.17 | ||
| Fwd PE | N/A |
4.2 Price Multiples
BSBR's Price/Free Cash Flow ratio is rather expensive when compared to the industry. BSBR is more expensive than 80.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 56.08 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.73%, BSBR has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.33, BSBR is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.41, BSBR is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.73% |
5.2 History
The dividend of BSBR has a limited annual growth rate of 0.01%.
BSBR has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)0.01%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
56.54% of the earnings are spent on dividend by BSBR. This is a bit on the high side, but may be sustainable.
BSBR's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP56.54%
EPS Next 2YN/A
EPS Next 3YN/A
6.43
+0.21 (+3.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners1.52%
Inst Owner Change0.16%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap48.04B
Revenue(TTM)94.63B
Net Income(TTM)11.73B
Analysts81.82
Price TargetN/A
Short Float %1.05%
Short Ratio6.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.73% |
Yearly Dividend0.14
Dividend Growth(5Y)0.01%
DP56.54%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.17 | ||
| Fwd PE | N/A | ||
| P/S | 2.71 | ||
| P/FCF | 56.08 | ||
| P/OCF | 31.84 | ||
| P/B | 2.1 | ||
| P/tB | 2.87 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.29
EY4.51%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.11
FCFY1.78%
OCF(TTM)0.2
OCFY3.14%
SpS2.37
BVpS3.06
TBVpS2.24
PEG (NY)N/A
PEG (5Y)N/A
Graham Number4.47
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.95% | ||
| ROE | 9.6% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 12.4% | ||
| GM | N/A | ||
| FCFM | 4.84% |
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-Score4
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.66 | ||
| Debt/FCF | 70.93 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 128.95% | ||
| Cap/Sales | 3.69% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 39.04% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC7.21%
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)2.08%
EPS 3Y-4.85%
EPS 5Y-4.02%
EPS Q2Q%-46.77%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.79%
Revenue growth 3Y2.88%
Revenue growth 5Y4.49%
Sales Q2Q%3.04%
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 1Y147.81%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y192.32%
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 2 / 10 to BSBR.
What is the valuation status for BSBR stock?
ChartMill assigns a valuation rating of 0 / 10 to BANCO SANTANDER BRASIL-ADS (BSBR). This can be considered as Overvalued.
What is the profitability of BSBR stock?
BANCO SANTANDER BRASIL-ADS (BSBR) has a profitability rating of 2 / 10.
What is the valuation of BANCO SANTANDER BRASIL-ADS based on its PE and PB ratios?
The Price/Earnings (PE) ratio for BANCO SANTANDER BRASIL-ADS (BSBR) is 22.17 and the Price/Book (PB) ratio is 2.1.
Is the dividend of BANCO SANTANDER BRASIL-ADS sustainable?
The dividend rating of BANCO SANTANDER BRASIL-ADS (BSBR) is 3 / 10 and the dividend payout ratio is 56.54%.