BSBR

Banco Santander (Brasil) S.A.

Fundamental data last updated:June 12, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

BR

Next Earnings Date

07/22/2026

Business Summary

Banco Santander (Brasil) S.A., together with its subsidiaries, provides various banking products and services to individuals, small and medium enterprises, and corporate customers in Brazil and internationally. The company operates in two segments, Commercial Banking and Global Wholesale Banking. It offers deposits and other bank funding instruments; debit and credit cards; digital prepaid solutions; payment platform; loyalty programs; employee benefit vouchers; payroll loans; digital lending and online debt renegotiation services; mortgages; home equity financing products; consumer credit; and local loans, commercial and trade finance, guarantees, structured loans, and cash management and funding solutions, as well as on-lending transfer services. It also provides funding and financial advisory services related to projects, origination and distribution of fixed-income securities in the debt capital markets, financing of acquisitions and syndicated loans, other structured financing arrangements, and subordinated debt and energy efficiency transactions; advisory services for mergers and acquisitions, and equity capital markets transactions; and stock brokerage and advisory, equity, and equity research services. In addition, the company structures and offers foreign exchange, derivative, and investment products for institutional investors, and corporate and retail customers; and provides market making services. Further, it offers instant payment services; range of products and services focused on the agribusiness sector; microfinance services; and online automotive listing and digital car insurance solutions, as well as digital trading platform. Additionally, it provides its financial services and products to its customers through multichannel distribution network comprising branches, mini-branches, ATMs, call centers, Internet banking, and mobile banking. Banco Santander (Brasil) S.A. was incorporated in 1985 and is headquartered in São Paulo, Brazil.

 


VALUATION

P/E

3.14

Market Cap ($M USD)

$40.73B

Forward P/E

0.96

PEG

0.00

PRICE TO SALES

1.07

PRICE TO BOOK

1.61

EV / EBITDA

1.40

5-Year Average P/E

Free Cash Flow Yield

2.89%

DCF Value

$7.39

Graham Number

$25.67

Price to FCF

34.57

EV to FCF

9.53

Earnings Yield

6.38%

FCF Yield

2.89%

DIVIDEND

Yield

7.89%

Annual Payout

$2.14

Payout Ratio

56.85%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$1.73

Next Year EPS Growth Estimate

$5.67

Next Year Revenue Growth Estimate

$10.35T

Return on Equity (ROE)

11.11%

FREE CASH FLOW

Operating Margin

19.14%

Debt-to-Equity

1.04

Piotroski F-Score

4

Altman Z-Score

-0.13

Return on Invested Capital (ROIC)

5.43%

Current Ratio

0.37

Quick Ratio

0.37

Net Debt to EBITDA

-3.67

Interest Coverage

0.24

Gross Profit margin

37.60%

FCF PER SHARE

$0.57

REVENUE PER SHARE

$18.23

Gainseekers Quantitative Analysis

Summary

The market seems to be undervaluing Banco Santander (Brasil) S.A. based on its DCF Value and Graham Number, suggesting a potential mispricing opportunity. With a Forward P/E of just over 1, the stock appears exceptionally cheap, indicating that the market expects significant earnings growth. However, the negative Altman Z-score raises red flags about financial distress, despite a solid Earnings Yield. This juxtaposition of low valuation multiples and financial risk creates a complex investment narrative, where the potential for growth is overshadowed by concerns about stability. Investors must weigh these factors carefully.

AI Exposure / Tech Reliance

Operating in the financial services sector, Banco Santander (Brasil) S.A. is well-positioned to leverage AI and tech advancements to enhance customer service and operational efficiency. The banking industry is increasingly adopting AI for risk management and personalized financial products, areas where the company can capitalize. However, the pace of tech adoption will be crucial to maintaining competitiveness.

The Bull Case

For value or GARP investors, Banco Santander (Brasil) S.A. offers compelling reasons to buy. The company's ROIC of 5.43% and a decent FCF Yield suggest efficient capital allocation and cash generation. Despite a middling Piotroski F-Score of 4, the operating margin of 19.14% indicates strong pricing power. These metrics paint a picture of a company capable of delivering shareholder value through disciplined financial management and operational efficiency.

The Bear Case

Despite its attractive valuation, Banco Santander (Brasil) S.A. faces significant structural risks. The Altman Z-score signals potential financial distress, and the low Current and Quick Ratios highlight liquidity concerns. Additionally, the Price/Book ratio of 1.69 suggests the stock isn't as cheap as it appears when considering book value. These weaknesses, coupled with a high Price to FCF ratio, suggest that the company may struggle to convert earnings into free cash flow, posing a risk to investors.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$7.20

Institutional Ownership %

1-Year Beta

0.24

Insider Buying % (6 Mo)

Distance to 52-Week High

34.56%

Distance to 52-Week Low

15.07%

EARNINGS SURPRISE %

-3.45%

50-DAY SMA

$5.84

200-DAY SMA

$5.92

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.