NYSE:BSBR

Stock Analysis Report

Banco Santander (Brasil)

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.

Snowflake

Fundamentals

Adequate balance sheet average dividend payer.


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


Market Performance


7 Day Return

-2.4%

NYSE:BSBR

-2.5%

US Banks

-0.7%

US Market


1 Year Return

21.3%

NYSE:BSBR

-14.2%

US Banks

-0.5%

US Market

BSBR outperformed the Banks industry which returned -14.2% over the past year.

BSBR outperformed the Market in United States of America which returned -0.4% over the past year.


Share holder returns

BSBRIndustryMarket
7 Day-2.4%-2.5%-0.7%
30 Day-14.6%-6.1%-3.0%
90 Day-2.8%-3.8%0.9%
1 Year25.6%21.3%-11.8%-14.2%1.7%-0.5%
3 Year72.9%53.1%42.1%32.4%39.5%30.4%
5 Year98.0%54.7%53.3%36.7%54.1%37.0%

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

Valuation

Is Banco Santander (Brasil) undervalued based on future cash flows and its price relative to the stock market?

25%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Banco Santander (Brasil)'s share price is below the future cash flow value, and at a moderate discount (> 20%).

Banco Santander (Brasil)'s share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Banco Santander (Brasil) is good value based on earnings compared to the US Banks industry average.

Banco Santander (Brasil) is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Banco Santander (Brasil) is poor value based on expected growth next year.


Price Based on Value of Assets

Banco Santander (Brasil) is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Banco Santander (Brasil) expected to perform in the next 1 to 3 years based on estimates from 12 analysts?

7.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Banco Santander (Brasil)'s revenue is expected to grow by 11.1% yearly, however this is not considered high growth (20% yearly).

Banco Santander (Brasil)'s earnings are expected to grow by 7.1% yearly, however this is not considered high growth (20% yearly).

Banco Santander (Brasil)'s revenue growth is expected to exceed the United States of America market average.

Banco Santander (Brasil)'s earnings growth is positive but not above the United States of America market average.

Banco Santander (Brasil)'s earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Banco Santander (Brasil) is expected to efficiently use shareholders’ funds in the future (Return on Equity greater than 20%).


Next Steps

Past Performance

How has Banco Santander (Brasil) performed over the past 5 years?

17.1%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Banco Santander (Brasil)'s year on year earnings growth rate has been positive over the past 5 years.

Banco Santander (Brasil)'s 1-year earnings growth exceeds its 5-year average (33.2% vs 17.1%)

Banco Santander (Brasil)'s earnings growth has not exceeded the US Banks industry average in the past year (33.2% vs 33.3%).


Return on Equity

Banco Santander (Brasil) has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Banco Santander (Brasil) used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Banco Santander (Brasil) improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


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

Information is not available.

Information is not available.


Financial Institutions Analysis

Banco Santander (Brasil) has an acceptable proportion of non-loan assets held.

Banco Santander (Brasil) has a low allowance for bad loans.

Banco Santander (Brasil)'s liabilities are made up of primarily low risk sources of funding.

Banco Santander (Brasil)'s level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Banco Santander (Brasil) are broadly funded by customer deposits.

Banco Santander (Brasil) has a high level of bad loans (greater than 2%).


Next Steps

Dividend

What is Banco Santander (Brasil)'s current dividend yield, its reliability and sustainability?

4.37%

Current Dividend Yield


Dividend Yield and Payments Analysis

Banco Santander (Brasil)'s pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Banco Santander (Brasil)'s dividend is above the markets top 25% of dividend payers in United States of America (3.84%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have increased over the past 10 years.


Current Payout to Shareholders

Dividends paid are covered by earnings (1.8x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Banco Santander (Brasil)'s salary, the management and board of directors tenure and is there insider trading?

3.5yrs

Average board tenure


CEO

Sergio Rial (59yo)

0.0yrs

Tenure

0

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 Age and Tenure

3.5yrs

Average Tenure

62yo

Average Age

The tenure for the Banco Santander (Brasil) board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Sergio Rial (59yo)

    Vice Chairman

    • Tenure: 0.0yrs
  • Álvaro Antonio-Cardoso De Souza (71yo)

    Chairman & President

    • Tenure: 2.7yrs
  • Ramón Díez (51yo)

    Officer & Member of the Board of Executive Officers

    • Tenure: 0.0yrs
  • José de Paiva Ferreira (60yo)

    Senior VP Executive Officer

    • Tenure: 9.5yrs
  • Amancio Gouveia (56yo)

    Officer & Member of the Board of Executive Officers

    • Tenure: 0.0yrs
  • José Roberto de Machado Filho (51yo)

    Executive Officer & Member of the Board of Executive Officers

    • Tenure: 0.0yrs
  • Ede Viani (52yo)

    Officer & Member of the Board of Executive Officer

    • Tenure: 0.0yrs
  • Gilberto de Abreu Filho (46yo)

    Officer & Member of the Board of Executive Officers

    • Tenure: 0.0yrs
  • Reginaldo Ribeiro (50yo)

    Officer & Member of the Board of Executive Officers

    • Tenure: 0.0yrs
  • Angel Martell (54yo)

    CFO, Executive VP

    • Tenure: 5.3yrs

Board Members

  • Sergio Rial (59yo)

    Vice Chairman

    • Tenure: 0.0yrs
  • Deborah Wright (62yo)

    Independent Director

    • Tenure: 2.7yrs
  • José Nus Badía (69yo)

    Director

    • Tenure: 4.3yrs
  • José Antonio Álvarez Álvarez (59yo)

    Director

    • Tenure: 9.9yrs
  • Álvaro Antonio-Cardoso De Souza (71yo)

    Chairman & President

    • Tenure: 2.7yrs
  • José de Paiva Ferreira (60yo)

    Senior VP Executive Officer

    • Tenure: 9.5yrs
  • Conrado Engel (62yo)

    Director

    • Tenure: 6.8yrs
  • Celso Giacometti (76yo)

    Independent Director

    • Tenure: 9.5yrs
  • Marília Rocca (46yo)

    Independent Director

    • Tenure: 0.3yrs
  • Deborah Vieitas (62yo)

    Independent Director

    • Tenure: 2.1yrs

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: BSBR
  • Exchange: NYSE
  • Founded: 1985
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: R$160.073b
  • Listing Market Cap: R$40.084b
  • Shares outstanding: 7.47b
  • Website: https://www.santander.com.br

Number of Employees


Location

  • Banco Santander (Brasil) S.A.
  • Avenida Presidente Juscelino Kubitschek, 2041 and 2235
  • A Block
  • São Paulo
  • São Paulo
  • 04543-011
  • Brazil

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
SANB4BOVESPA (Bolsa de Valores de Sao Paulo)YesPreferred SharesBRBRLMar 2002
SANB3BOVESPA (Bolsa de Valores de Sao Paulo)Ordinary SharesBRBRLApr 2007
SANB11BOVESPA (Bolsa de Valores de Sao Paulo)UnitsBRBRLOct 2009
BSBRNYSE (New York Stock Exchange)ADS REP 1 UNITUSUSDOct 2009
DBSADB (Deutsche Boerse AG)ADS REP 1 UNITDEEUROct 2009
BSBR NBMV (Bolsa Mexicana de Valores)ADS REP 1 UNITMXMXNOct 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 through two  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/19 00:25
End of Day Share Price2019/08/16 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.