BSBR
Banco Santander Brasil SA
$5.42
▲ 0.9%Updated Today 3:42 PM ET
BSBR at a glance — five pillars scored 0–100 from real filed financials.
Overall: Weak · 33/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▼ Down 4.2% over the last 12 months
Market Cap
$20.21B
P/E
7.85x
Forward P/E (est.)
8.36x
ROE
10.3%
Revenue Growth
—
EPS Growth
-6.1%
Profit Margin
—
FCF Yield
—
Debt / Equity
2.29x
ROIC
—
Interest Coverage
—
Current Ratio
—
Dividend Yield
—
Implied Growth (rev. DCF)
6.1%
Rating Score
33/100
Banco Santander Brasil SA (BSBR) is a large-cap company in the Banking industry, part of the Financials sector of the S&P 500, with a market value around $20.21B.
In its latest reported year it generated about $32.50B in revenue and $2.55B in net profit.
Our model rates BSBR Weak (33/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what BSBR's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. BSBR trades near $5.42, below its 50-day average ($5.48) and 200-day average ($5.93). Price below both averages is a downtrend — momentum is against buyers for now.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 38 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. BSBR's is $0.13 (~2.4% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month BSBR found buyers near $5.10 (support) and sellers near $5.57 (resistance); its 52-week range is $4.62–$7.32. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.4× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
20.1%
Revenue moved from $15.43B in 2016 to $32.50B in 2025, a 8.6% compound annual growth rate. The most recent year was roughly steady year over year. Slower, mature growth is common for established businesses.
Gross Margin
—
Operating Margin
—
Net Margin
7.9%
ROE
10.3%
Banco Santander Brasil SA keeps about n/a of each sales dollar as net profit. Return on equity is 10.3%. The company is currently unprofitable on a net basis.
Total Debt
—
Net Debt
—
Net Debt / EBITDA
—
Debt / Equity
2.29x
Leverage: debt-to-equity is 2.3x. That is elevated leverage, which raises risk if earnings or rates move against it.
Operating CF
$998.43M
Free Cash Flow
$554.16M
FCF Margin
1.7%
In the latest year Banco Santander Brasil SA produced about $998.43M of operating cash flow and $554.16M of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
Coverage is weak, the payout was cut recently, or it's being financed rather than earned — treat the current yield as fragile.
Total paid (latest FY)
$1.30B
History on record
9 years
dividend uses 234% of free cash flow
51% of net income paid out
total dividends increased 2 years in a row
payout was cut at least once in the last 9 years
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
7.85x
P/S
—
P/B
1.02x
EV / EBITDA
—
BSBR trades at 7.8x trailing earnings (about 8.4x on estimated forward earnings), and 1.0x book value. Reverse-engineering today's price implies the market expects roughly 6.1% long-term free-cash-flow growth. That is an undemanding multiple — potentially cheap if the business is stable.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
—
Current price
$5.42
Starting FCF (latest 10-K)
$554.16M
Growth, years 1–5
4.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where BSBR sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How BSBR stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), BSBR ranks #134 of 289 by our overall rating. It trades at a discount versus the sector on earnings (7.8x P/E vs. 15.3x median) with a lower return on equity (10.3% vs. 13.6%).
P/E vs sector
7.8x
median 15.3x
ROE vs sector
10.3%
median 13.6%
Growth vs sector
—
median 15.9%
Sector rank
#134
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $5.42 today · expected CAGR -1% – 9%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $35.10B | $37.91B | $40.94B | $44.21B | $47.75B |
| Net income | $2.81B | $3.03B | $3.28B | $3.54B | $3.82B |
| EPS | $0.75 | $0.81 | $0.88 | $0.95 | $1.02 |
| Share price (low) | $3.77 | $4.07 | $4.39 | $4.74 | $5.12 |
| Share price (high) | $6.02 | $6.51 | $7.03 | $7.59 | $8.20 |
| CAGR (low–high) | -31% / 11% | -13% / 10% | -7% / 9% | -3% / 9% | -1% / 9% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for BSBR:
- As an established S&P 500 member in Financials, it brings scale and a long operating history.
The case against BSBR:
- Elevated leverage (debt/equity 2.3x) adds financial risk.
- Our model's overall read is Weak (33/100).
Balance-sheet risk — debt/equity of 2.3x magnifies the impact of higher rates or weaker earnings.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen weakly: Banco Santander Brasil SA is a large-cap financials business growing at a mature pace, with modest profitability, and a heavier debt load to watch. It trades at 7.8x earnings, which our model scores Weak (33/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 11 Wall Street analysts covering BSBR recommend (July 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Latest SEC Filings
BSBR's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
BSBR — frequently asked questions
Is BSBR a good stock to buy?
We don't give buy or sell advice. Our model rates Banco Santander Brasil SA Weak (33/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is BSBR's rating on The Stocks School?
Banco Santander Brasil SA currently scores 33/100 (Weak) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does BSBR's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Banco Santander Brasil SA's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for BSBR calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this BSBR analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell BSBR. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.