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

NYSE:BSBR • US05967A1079

Current stock price

5.73 USD
-0.09 (-1.55%)
At close:
5.73 USD
0 (0%)
After Hours:

This BSBR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. BSBR Profitability Analysis

1.1 Basic Checks

  • BSBR had positive earnings in the past year.
  • BSBR had a negative operating cash flow in the past year.
  • In the past 5 years BSBR has always 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

  • BSBR has a Return On Assets (0.94%) which is comparable to the rest of the industry.
  • BSBR has a Return On Equity (9.63%) which is in line with 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

  • Looking at the Profit Margin, with a value of 11.84%, BSBR is doing worse than 83.20% of the companies in the same industry.
  • 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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1

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.
  • BSBR has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, BSBR has about the same amount of shares outstanding.
  • 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

  • A Debt/Equity ratio of 2.28 is on the high side and indicates that BSBR has dependencies on debt 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
WACC6.66%
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. 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 -3.29%.
  • Measured over the past years, BSBR shows a decrease in Earnings Per Share. The EPS has been decreasing by -4.02% on average per year.
  • BSBR shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.68%.
  • Measured over the past years, BSBR shows a small growth in Revenue. The Revenue has been growing by 4.49% on average per year.
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 150.77% on average per year.
  • The Revenue is expected to grow by 59.20% on average over the next years. This is a very strong growth
EPS Next YN/A
EPS Next 2Y272.81%
EPS Next 3Y150.77%
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2Y139.35%
Revenue Next 3Y82.78%
Revenue Next 5Y59.2%

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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1

4. BSBR Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 18.48 indicates a rather expensive valuation of BSBR.
  • Based on the Price/Earnings ratio, BSBR is valued expensively inside the industry as 83.20% of the companies are valued cheaper.
  • When comparing the Price/Earnings ratio of BSBR to the average of the S&P500 Index (25.79), we can say BSBR is valued slightly cheaper.
Industry RankSector Rank
PE 18.48
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

  • BSBR's earnings are expected to grow with 150.77% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y272.81%
EPS Next 3Y150.77%

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4

5. BSBR Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.89%, BSBR has a reasonable but not impressive dividend return.
  • BSBR's Dividend Yield is slightly below the industry average, which is at 2.90.
  • BSBR's Dividend Yield is comparable with the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 1.89%

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 2Y272.81%
EPS Next 3Y150.77%
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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BSBR Fundamentals: All Metrics, Ratios and Statistics

BANCO SANTANDER BRASIL-ADS

NYSE:BSBR (3/18/2026, 8:04:00 PM)

After market: 5.73 0 (0%)

5.73

-0.09 (-1.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04
Earnings (Next)04-29
Inst Owners0.07%
Inst Owner Change1.92%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap42.81B
Revenue(TTM)100.73B
Net Income(TTM)11.92B
Analysts81.82
Price TargetN/A
Short Float %0.49%
Short Ratio1.77
Dividend
Industry RankSector Rank
Dividend Yield 1.89%
Yearly Dividend0.14
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 18.48
Fwd PE N/A
P/S 2.22
P/FCF N/A
P/OCF N/A
P/B 1.81
P/tB 2.46
EV/EBITDA N/A
EPS(TTM)0.31
EY5.41%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.54
FCFYN/A
OCF(TTM)-0.45
OCFYN/A
SpS2.58
BVpS3.17
TBVpS2.33
PEG (NY)N/A
PEG (5Y)N/A
Graham Number4.7
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
WACC6.66%
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 2Y272.81%
EPS Next 3Y150.77%
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 2Y139.35%
Revenue Next 3Y82.78%
Revenue Next 5Y59.2%
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 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 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 18.48 and the Price/Book (PB) ratio is 1.81.


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%.