Banco Santander (Brasil) S.A. (BSBR) stock analysis
Close on Nov 11, 2026
StockData Score
Prices as of Nov 11, 2026How the score works
Weak2 of 30 checks passed
Banco Santander (Brasil) passes 2 of the 30 checks behind our score; 23 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 0/6
- Growth
- 0/6
- Past performance
- 1/6
- Financial health
- 1/6
- Dividend
- 0/6
What stands out
Well capitalized
Equity is 9.9% of total assets; 8% or more is a comfortable cushion.
Return on assets over 1%
Return on assets was 1.0%; for a bank or insurer, 1% or more is considered good.
What to watch
Return on equity under 15%
Return on equity was 10.4% over the last twelve months and averaged 11.6% over five years; we look for 15% on both.
Earnings shrank over 5 years
Net income shrank 1.0% a year on average over the last five fiscal years.
Earnings growth not accelerating
Net income grew -4.5% over the last twelve months, against a 5-year average of -1.0% a year.
Return on equity below the industry
Banco Santander (Brasil)'s return on equity of 10.4% is below the Commercial Banks median of 11.5%.
Valuation0/6
P/E against its history
Not enough price and earnings history to compare.
P/E against the industry
Needs positive earnings and enough profitable companies in the industry.
P/S against the industry
Not enough revenue data to compare.
P/B against the industry
Needs positive book value.
Price against fair value
We could not estimate a fair value: it needs at least two valuation methods with positive inputs.
Margin of safety
Depends on the fair value estimate.
Growth0/6
Revenue growth over 3 years
Needs three years of positive revenue.
EPS growth over 3 years
Needs positive EPS three years ago and today.
Earnings growth not accelerating
Net income grew -4.5% over the last twelve months, against a 5-year average of -1.0% a year.
Growth against the industry
Needs revenue for this year and last.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin trend
Banks and insurers do not report gross profit.
Past performance1/6
Return on equity under 15%
Return on equity was 10.4% over the last twelve months and averaged 11.6% over five years; we look for 15% on both.
Return on assets over 1%
Return on assets was 1.0%; for a bank or insurer, 1% or more is considered good.
Return on equity below the industry
Banco Santander (Brasil)'s return on equity of 10.4% is below the Commercial Banks median of 11.5%.
Earnings shrank over 5 years
Net income shrank 1.0% a year on average over the last five fiscal years.
Net margin against its history
Needs five years of revenue and net income.
Net margin against the industry
Needs revenue and net income.
Financial health1/6
Well capitalized
Equity is 9.9% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Needs loans and deposits.
Adequate loan-loss reserve
The allowance for credit losses is not reported.
Efficient operations
Needs non-interest expense and revenue.
Deposits growing
Needs deposits a year ago.
Borrowings
Needs debt and equity figures.
Dividend0/6
No dividend
Banco Santander (Brasil) has not paid a dividend in the last twelve months.
Yield against Treasuries
No dividend.
Yield against the market
No dividend.
Dividend stability
No dividend.
Earnings cover
No dividend.
Cash-flow cover
No dividend.
Fair value
How we estimate itWe don't publish a fair value for Banco Santander (Brasil). It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
Low risk
- Average value traded per day
- $23.35M
- Value traded per 1% price move
- $9.53M
Downside
Medium risk
- Typical loss in a bad month
- 19.5%
- Volatility (annualized)
- 39%
- Sharpe ratio, 1 year
- -0.63
- Beta to the S&P 500 (5Y)
- 0.50
Typical bad-month loss, week by week
Margins need revenue and profit figures
This company does not report the lines needed to calculate margins.
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Net income | -4.5% | -3.7% | -1.0% | +2.7% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 9.0% | 13.3% | 10.4% | |
| Return on assets | 1.2% | 1.6% | 1.0% |
Cash use needs five years of cash flow figures
Banco Santander (Brasil) does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont needs revenue, assets and equity
This company does not report all three for consecutive years.
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
- ProfitableNet income above zero12.77B BRL
- Cash generatingOperating cash flow above zero4.99B BRL
- Return on assets improvedROA up on the prior year1.2% → 1.0%
- Earnings backed by cashOperating cash flow above net income4.99B BRL vs 12.77B BRL
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise– → –
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose– → –
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