Banco Santander (Brasil) S.A. Logo

Banco Santander (Brasil) S.A.

BSBR

(2.0)
Stock Price

4,02 USD

0.99% ROA

10.62% ROE

18.55x PER

Market Cap.

213.107.983.111,58 USD

379.93% DER

1.11% Yield

27.02% NPM

Banco Santander (Brasil) S.A. Stock Analysis

Banco Santander (Brasil) S.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Banco Santander (Brasil) S.A. Fundamental Stock Analysis
# Analysis Rating
1 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

2 ROE

The stock's ROE falls within an average range (12.74%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (0.98%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 PBV

The stock's PBV ratio (2.02x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

5 Assets Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

6 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

7 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (107), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

8 DER

The stock is burdened with a heavy load of debt (129%), making it financially unstable and potentially risky for investors.

9 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

Banco Santander (Brasil) S.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Banco Santander (Brasil) S.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Banco Santander (Brasil) S.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Banco Santander (Brasil) S.A. Revenue
Year Revenue Growth
2006 5.247.511.000
2007 10.046.637.000 47.77%
2008 13.945.643.000 27.96%
2009 20.987.957.000 33.55%
2010 24.223.827.000 13.36%
2011 25.338.999.000 4.4%
2012 22.841.042.000 -10.94%
2013 22.467.439.000 -1.66%
2014 24.404.638.000 7.94%
2015 18.027.572.000 -35.37%
2016 36.889.542.000 51.13%
2017 37.623.519.000 1.95%
2018 38.521.865.000 2.33%
2019 46.958.263.000 17.97%
2020 32.421.692.000 -44.84%
2021 48.722.248.000 33.46%
2022 43.282.508.000 -12.57%
2023 41.531.432.000 -4.22%
2023 156.186.918.000 73.41%
2024 153.660.728.000 -1.64%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Banco Santander (Brasil) S.A. Research and Development Expenses
Year Research and Development Expenses Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Banco Santander (Brasil) S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 1.453.449.000
2007 2.871.100.000 49.38%
2008 5.416.887.000 47%
2009 10.947.217.000 50.52%
2010 11.230.602.000 2.52%
2011 12.372.632.000 9.23%
2012 13.203.648.000 6.29%
2013 12.052.298.000 -9.55%
2014 12.186.930.000 1.1%
2015 12.595.269.000 3.24%
2016 13.070.150.000 3.63%
2017 14.095.972.000 7.28%
2018 14.750.967.000 4.44%
2019 15.368.463.000 4.02%
2020 16.181.687.000 5.03%
2021 16.492.554.000 1.88%
2022 17.550.570.000 6.03%
2023 18.052.116.000 2.78%
2023 17.546.059.000 -2.88%
2024 18.545.988.000 5.39%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Banco Santander (Brasil) S.A. EBITDA
Year EBITDA Growth
2006 5.475.133.000
2007 11.007.800.000 50.26%
2008 25.471.345.000 56.78%
2009 26.561.248.000 4.1%
2010 28.047.558.000 5.3%
2011 34.198.958.000 17.99%
2012 28.300.045.000 -20.84%
2013 29.946.831.000 5.5%
2014 39.423.109.000 24.04%
2015 36.757.302.000 -7.25%
2016 64.295.770.000 42.83%
2017 52.433.807.000 -22.62%
2018 45.989.340.000 -14.01%
2019 24.440.488.000 -88.17%
2020 12.210.878.000 -100.15%
2021 27.152.978.000 55.03%
2022 89.829.788.000 69.77%
2023 16.721.932.000 -437.2%
2023 -968.306.000 1826.93%
2024 -6.358.196.000 84.77%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Banco Santander (Brasil) S.A. Gross Profit
Year Gross Profit Growth
2006 5.247.511.000
2007 10.046.637.000 47.77%
2008 13.945.643.000 27.96%
2009 20.987.957.000 33.55%
2010 24.223.827.000 13.36%
2011 25.245.272.000 4.05%
2012 22.841.042.000 -10.53%
2013 22.467.439.000 -1.66%
2014 24.404.638.000 7.94%
2015 18.027.572.000 -35.37%
2016 36.889.542.000 51.13%
2017 37.623.519.000 1.95%
2018 38.521.865.000 2.33%
2019 46.958.263.000 17.97%
2020 32.421.692.000 -44.84%
2021 48.722.248.000 33.46%
2022 43.282.508.000 -12.57%
2023 41.531.432.000 -4.22%
2023 38.899.827.000 -6.77%
2024 153.660.728.000 74.68%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Banco Santander (Brasil) S.A. Net Profit
Year Net Profit Growth
2006 803.619.000
2007 1.845.399.000 56.45%
2008 1.598.650.000 -15.43%
2009 5.507.606.000 70.97%
2010 7.382.093.000 25.39%
2011 7.747.925.000 4.72%
2012 5.448.660.000 -42.2%
2013 5.723.494.000 4.8%
2014 5.630.023.000 -1.66%
2015 9.783.740.000 42.46%
2016 7.334.563.000 -33.39%
2017 8.924.064.000 17.81%
2018 12.582.477.000 29.08%
2019 16.406.932.000 23.31%
2020 13.418.529.000 -22.27%
2021 15.528.052.000 13.59%
2022 14.287.093.000 -8.69%
2023 11.083.784.000 -28.9%
2023 9.449.313.000 -17.3%
2024 14.469.916.000 34.7%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Banco Santander (Brasil) S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 0
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 100%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 100%
2016 1 0%
2017 1 100%
2018 3 66.67%
2019 4 25%
2020 2 -300%
2021 2 0%
2022 2 0%
2023 1 0%
2023 1 0%
2024 2 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Banco Santander (Brasil) S.A. Free Cashflow
Year Free Cashflow Growth
2006 -981.636.000
2007 -563.611.000 -74.17%
2008 2.727.523.000 120.66%
2009 -15.495.723.000 117.6%
2010 -12.732.396.000 -21.7%
2011 -13.663.384.000 6.81%
2012 1.413.569.000 1066.59%
2013 19.358.509.000 92.7%
2014 -6.512.009.000 397.27%
2015 2.245.828.000 389.96%
2016 5.204.891.000 56.85%
2017 48.417.970.000 89.25%
2018 5.266.851.000 -819.3%
2019 21.427.292.000 75.42%
2020 40.312.248.000 46.85%
2021 4.441.953.000 -807.53%
2022 3.983.367.000 -11.51%
2023 22.015.143.000 81.91%
2023 59.473.710.000 62.98%
2024 -17.814.706.999 433.85%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Banco Santander (Brasil) S.A. Operating Cashflow
Year Operating Cashflow Growth
2006 -481.230.000
2007 81.228.000 692.44%
2008 5.553.843.000 98.54%
2009 -12.213.509.000 145.47%
2010 -10.326.319.000 -18.28%
2011 -11.110.073.000 7.05%
2012 4.581.806.000 342.48%
2013 21.724.417.000 78.91%
2014 -4.093.876.000 630.66%
2015 4.026.292.000 201.68%
2016 6.748.607.000 40.34%
2017 50.262.930.000 86.57%
2018 8.277.372.000 -507.23%
2019 24.871.800.000 66.72%
2020 42.317.956.000 41.23%
2021 6.807.143.000 -521.67%
2022 6.847.026.000 0.58%
2023 25.973.183.000 73.64%
2023 60.211.217.000 56.86%
2024 -16.943.958.999 455.36%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Banco Santander (Brasil) S.A. Capital Expenditure
Year Capital Expenditure Growth
2006 500.406.000
2007 644.839.000 22.4%
2008 2.826.320.000 77.18%
2009 3.282.214.000 13.89%
2010 2.406.077.000 -36.41%
2011 2.553.311.000 5.77%
2012 3.168.237.000 19.41%
2013 2.365.908.000 -33.91%
2014 2.418.133.000 2.16%
2015 1.780.464.000 -35.81%
2016 1.543.716.000 -15.34%
2017 1.844.960.000 16.33%
2018 3.010.521.000 38.72%
2019 3.444.508.000 12.6%
2020 2.005.708.000 -71.74%
2021 2.365.190.000 15.2%
2022 2.863.659.000 17.41%
2023 3.958.040.000 27.65%
2023 737.507.000 -436.68%
2024 870.748.000 15.3%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Banco Santander (Brasil) S.A. Equity
Year Equity Growth
2006 7.975.611.000
2007 9.264.593.000 13.91%
2008 48.756.557.000 81%
2009 69.266.743.000 29.61%
2010 73.363.394.000 5.58%
2011 78.031.992.000 5.98%
2012 81.566.111.000 4.33%
2013 81.655.302.000 0.11%
2014 78.683.293.000 -3.78%
2015 79.835.284.000 1.44%
2016 84.812.559.000 5.87%
2017 87.087.601.000 2.61%
2018 91.595.460.000 4.92%
2019 97.209.161.000 5.77%
2020 106.089.872.000 8.37%
2021 105.974.495.000 -0.11%
2022 110.680.176.000 4.25%
2023 114.856.354.000 3.64%
2023 113.750.372.000 -0.97%
2024 117.573.503.000 3.25%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Banco Santander (Brasil) S.A. Assets
Year Assets Growth
2006 102.026.985.000
2007 116.036.822.000 12.07%
2008 339.834.652.000 65.85%
2009 315.972.576.000 -7.55%
2010 374.662.683.000 15.66%
2011 399.886.082.000 6.31%
2012 421.084.963.000 5.03%
2013 453.052.695.000 7.06%
2014 520.230.910.000 12.91%
2015 605.394.528.000 14.07%
2016 634.393.240.000 4.57%
2017 645.735.096.000 1.76%
2018 723.865.007.000 10.79%
2019 762.237.452.000 5.03%
2020 936.201.485.000 18.58%
2021 931.208.396.000 -0.54%
2022 985.450.829.000 5.5%
2023 1.115.652.776.000 11.67%
2023 1.126.953.893.000 1%
2024 1.189.995.630.000 5.3%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Banco Santander (Brasil) S.A. Liabilities
Year Liabilities Growth
2006 94.051.374.000
2007 106.772.229.000 11.91%
2008 291.078.095.000 63.32%
2009 246.705.833.000 -17.99%
2010 301.299.289.000 18.12%
2011 321.854.090.000 6.39%
2012 339.518.852.000 5.2%
2013 371.397.393.000 8.58%
2014 441.547.617.000 15.89%
2015 525.559.244.000 15.99%
2016 549.580.681.000 4.37%
2017 558.647.495.000 1.62%
2018 632.269.547.000 11.64%
2019 89.419.308.000 -607.08%
2020 74.541.769.000 -19.96%
2021 100.903.390.000 26.13%
2022 874.770.653.000 88.47%
2023 1.000.796.422.000 12.59%
2023 149.976.728.000 -567.3%
2024 1.072.422.127.000 86.02%

Banco Santander (Brasil) S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
13.48
Net Income per Share
1.54
Price to Earning Ratio
18.55x
Price To Sales Ratio
2.12x
POCF Ratio
3.26
PFCF Ratio
3.43
Price to Book Ratio
1.82
EV to Sales
4.53
EV Over EBITDA
84.77
EV to Operating CashFlow
6.97
EV to FreeCashFlow
7.33
Earnings Yield
0.05
FreeCashFlow Yield
0.29
Market Cap
213,11 Bil.
Enterprise Value
455,29 Bil.
Graham Number
23.34
Graham NetNet
-108.85

Income Statement Metrics

Net Income per Share
1.54
Income Quality
5.68
ROE
0.1
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.7
EBT Per Ebit
1.16
Ebit per Revenue
0.33
Effective Tax Rate
0.3

Margins

Sales, General, & Administrative to Revenue
0.15
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.04
Operating Profit Margin
0.33
Pretax Profit Margin
0.39
Net Profit Margin
0.27

Dividends

Dividend Yield
0.01
Dividend Yield %
1.11
Payout Ratio
0.48
Dividend Per Share
0.32

Operating Metrics

Operating Cashflow per Share
8.75
Free CashFlow per Share
8.32
Capex to Operating CashFlow
0.05
Capex to Revenue
0.03
Capex to Depreciation
1.17
Return on Invested Capital
0.02
Return on Tangible Assets
0.01
Days Sales Outstanding
32.65
Days Payables Outstanding
0
Days of Inventory on Hand
-350.07
Receivables Turnover
11.18
Payables Turnover
0
Inventory Turnover
-1.04
Capex per Share
0.43

Balance Sheet

Cash per Share
35,98
Book Value per Share
15,76
Tangible Book Value per Share
11.4
Shareholders Equity per Share
15.72
Interest Debt per Share
70.3
Debt to Equity
3.8
Debt to Assets
0.37
Net Debt to EBITDA
45.09
Current Ratio
0.88
Tangible Asset Value
85,06 Bil.
Net Current Asset Value
-825,68 Bil.
Invested Capital
6310706000
Working Capital
-32,66 Bil.
Intangibles to Total Assets
0.03
Average Receivables
8,80 Bil.
Average Payables
0,00 Bil.
Average Inventory
-29631228000
Debt to Market Cap
2.09

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Banco Santander (Brasil) S.A. Dividends
Year Dividends Growth
2009 0
2010 1 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Banco Santander (Brasil) S.A. Profile

About Banco Santander (Brasil) S.A.

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.

CEO
Mr. Mario Roberto Opice Leao
Employee
55.035
Address
Avenida Presidente Juscelino Kubitschek
São Paulo, 04543-011

Banco Santander (Brasil) S.A. Executives & BODs

Banco Santander (Brasil) S.A. Executives & BODs
# Name Age
1 Mr. Ede Ilson Viani
Vice President Executive Officer, Member of the Board of Executive Officers & Director
70
2 Mr. Luis Guilherme Mattos de Oliem Bittencourt
Vice President, Executive Officer & Member of the Board of Executive Officers
70
3 Mr. Reginaldo Antonio Ribeiro
Officer & Member of the Board of Executive Officers
70
4 Mr. Daniel Mendonca Pareto
Officer, Member of Board of Executive Officer & Board Secretary
70
5 Mr. André de Carvalho Novaes
Officer & Member of the Board of Executive Officers
70
6 Mr. Gustavo Alejo Viviani
Chief Financial Officer, Vice President, IR Officer & Member of the Board of Executive Officers
70
7 Mr. Antonio Pardo de Santayana Montes
Vice President Executive Officer & Member of the Board of Executive Officers
70
8 Mr. Luiz Masagão Ribeiro Filho
Officer & Member of the Board of Executive Officers
70
9 Mr. Gilberto Duarte de Abreu Filho
Vice President Executive Officer & Member of the Board of Executive Officers
70
10 Mr. Mario Roberto Opice Leao
Chief Executive Officer, Director & Member of the Board of Executive Officers
70

Banco Santander (Brasil) S.A. Competitors