Banco Santander (Brasil)
Market Cap
R$135.8b
Last Updated
2021/02/27 22:57 UTC
Data Sources
Company Financials +
Executive Summary
Banco Santander (Brasil) S.A. provides commercial banking products and services to individuals, small and medium enterprises, and corporate customers in Brazil and internationally. More Details
Rewards
Risk Analysis
Snowflake Analysis
Adequate balance sheet and slightly overvalued.
Similar Companies
Share Price & News
How has Banco Santander (Brasil)'s share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: SANB4 is more volatile than 75% of BR stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: SANB4's weekly volatility (7%) has been stable over the past year, but is still higher than 75% of BR stocks.
Market Performance
7 Day Return
-11.6%
SANB4
-7.8%
BR Banks
-6.3%
BR Market
1 Year Return
-3.7%
SANB4
-15.7%
BR Banks
5.3%
BR Market
Return vs Industry: SANB4 exceeded the BR Banks industry which returned -15.7% over the past year.
Return vs Market: SANB4 underperformed the BR Market which returned 5.3% over the past year.
Shareholder returns
| SANB4 | Industry | Market | |
|---|---|---|---|
| 7 Day | -11.6% | -7.8% | -6.3% |
| 30 Day | -10.0% | -6.4% | -4.2% |
| 90 Day | -15.1% | -6.3% | 0.4% |
| 1 Year | -0.8%-3.7% | -13.7%-15.7% | 7.8%5.3% |
| 3 Year | 39.3%21.4% | -0.5%-13.2% | 40.0%25.9% |
| 5 Year | 233.9%154.2% | 103.6%59.4% | 136.0%96.7% |
Long-Term Price Volatility Vs. Market
How volatile is Banco Santander (Brasil)'s share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Valuation
Is Banco Santander (Brasil) undervalued compared to its fair value and its price relative to the market?
10.35x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: SANB4 (R$18.81) is trading above our estimate of fair value (R$9.21)
Significantly Below Fair Value: SANB4 is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: SANB4 is good value based on its PE Ratio (10.3x) compared to the BR Banks industry average (10.6x).
PE vs Market: SANB4 is good value based on its PE Ratio (10.3x) compared to the BR market (16.1x).
Price to Earnings Growth Ratio
PEG Ratio: SANB4 is poor value based on its PEG Ratio (1.2x)
Price to Book Ratio
PB vs Industry: SANB4 is overvalued based on its PB Ratio (1.8x) compared to the BR Banks industry average (0.8x).
Next Steps
Future Growth
How is Banco Santander (Brasil) forecast to perform in the next 1 to 3 years based on estimates from 12 analysts?
8.6%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SANB4's forecast earnings growth (8.6% per year) is below the savings rate (9.9%).
Earnings vs Market: SANB4's earnings (8.6% per year) are forecast to grow slower than the BR market (25.5% per year).
High Growth Earnings: SANB4's earnings are forecast to grow, but not significantly.
Revenue vs Market: SANB4's revenue (22.7% per year) is forecast to grow faster than the BR market (11.8% per year).
High Growth Revenue: SANB4's revenue (22.7% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SANB4's Return on Equity is forecast to be low in 3 years time (19.5%).
Next Steps
Past Performance
How has Banco Santander (Brasil) performed over the past 5 years?
15.9%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SANB4 has a high level of non-cash earnings.
Growing Profit Margin: SANB4's current net profit margins (34.9%) are higher than last year (28.8%).
Past Earnings Growth Analysis
Earnings Trend: SANB4's earnings have grown by 15.9% per year over the past 5 years.
Accelerating Growth: SANB4's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: SANB4 had negative earnings growth (-3.9%) over the past year, making it difficult to compare to the Banks industry average (-10%).
Return on Equity
High ROE: SANB4's Return on Equity (16.9%) is considered low.
Next Steps
Financial Health
How is Banco Santander (Brasil)'s financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: SANB4's Assets to Equity ratio (12.3x) is moderate.
Allowance for Bad Loans: SANB4 has a sufficient allowance for bad loans (128%).
Low Risk Liabilities: 57% of SANB4's liabilities are made up of primarily higher risk sources of funding.
Loan Level: SANB4 has an appropriate level of Loans to Assets ratio (35%).
Low Risk Deposits: SANB4's Loans to Deposits ratio (89%) is appropriate.
Level of Bad Loans: SANB4 has a high level of bad loans (5.3%).
Next Steps
Dividend
What is Banco Santander (Brasil) current dividend yield, its reliability and sustainability?
0.76%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SANB4's dividend (0.77%) isn’t notable compared to the bottom 25% of dividend payers in the BR market (1.03%).
High Dividend: SANB4's dividend (0.77%) is low compared to the top 25% of dividend payers in the BR market (5.19%).
Stability and Growth of Payments
Stable Dividend: SANB4's dividend payments have been volatile in the past 10 years.
Growing Dividend: SANB4's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (25.7%), SANB4's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
4.2yrs
Average board tenure
CEO
Sergio Rial (60 yo)
no data
Tenure
Mr. Sergio Agapito Lires Rial serves as the Chief Executive Officer at Banco Santander (Brasil) SA and its Member of Board of Executive Officers. Mr. Rial served as Chairman of Banco Santander Brazil from ...
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Chairman & President | 4.17yrs | no data | no data | |
| Vice Chairman | no data | no data | 0.013% R$ 18.1m | |
| Independent Director | 4.17yrs | no data | no data | |
| Director | 5.83yrs | no data | no data | |
| Director | 11.42yrs | no data | 0% R$ 0 | |
| President of Fiscal Council | no data | no data | 0.0043% R$ 5.9m | |
| Director | 11yrs | no data | 0.012% R$ 15.6m | |
| Independent Director | 1.83yrs | no data | no data | |
| Independent Director | 3.58yrs | no data | no data | |
| Member of Fiscal Council | 2.08yrs | no data | 0.00027% R$ 366.7k | |
| Member of Fiscal Council | 2.08yrs | no data | no data | |
| Independent Director | 1.08yrs | no data | no data |
4.2yrs
Average Tenure
61yo
Average Age
Experienced Board: SANB4's board of directors are considered experienced (4.2 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Banco Santander (Brasil) S.A.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Banco Santander (Brasil) S.A.
- Ticker: SANB4
- Exchange: BOVESPA
- Founded: 1985
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: R$135.817b
- Shares outstanding: 7.46b
- Website: https://www.santander.com.br
Number of Employees
Location
- Banco Santander (Brasil) S.A.
- Avenida Presidente Juscelino Kubitschek, 2041 and 2235
- Building A
- São Paulo
- São Paulo
- 04543-011
- Brazil
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| SANB4 | BOVESPA (Bolsa de Valores de Sao Paulo) | Yes | Preferred Shares | BR | BRL | Mar 2002 |
| SANB3 | BOVESPA (Bolsa de Valores de Sao Paulo) | Ordinary Shares | BR | BRL | Apr 2007 | |
| SANB11 | BOVESPA (Bolsa de Valores de Sao Paulo) | Units | BR | BRL | Oct 2009 | |
| BSBR | NYSE (New York Stock Exchange) | ADS REP 1 UNIT | US | USD | Oct 2009 | |
| DBSA | DB (Deutsche Boerse AG) | ADS REP 1 UNIT | DE | EUR | Oct 2009 | |
| BSBR N | BMV (Bolsa Mexicana de Valores) | ADS REP 1 UNIT | MX | MXN | Oct 2009 |
Biography
Banco Santander (Brasil) S.A. provides commercial banking products and services to individuals, small and medium enterprises, and corporate customers in Brazil and internationally. It operates in two segme...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/02/27 22:57 |
| End of Day Share Price | 2021/02/26 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.