Banco Santander (Brasil) S.A. provides commercial banking products and services to individuals, small and medium enterprises, and corporate customers in Brazil and internationally.
Solid track record, good value and pays a dividend.
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: BSBR's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: BSBR underperformed the US Banks industry which returned -32.9% over the past year.
Return vs Market: BSBR underperformed the US Market which returned -13.3% over the past year.
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
Is Banco Santander (Brasil) undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: BSBR ($4.93) is trading below our estimate of fair value ($6.29)
Significantly Below Fair Value: BSBR is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: BSBR is good value based on its PE Ratio (6.9x) compared to the Banks industry average (8.6x).
PE vs Market: BSBR is good value based on its PE Ratio (6.9x) compared to the US market (12.5x).
Price to Earnings Growth Ratio
PEG Ratio: BSBR is poor value based on its PEG Ratio (1.8x)
Price to Book Ratio
PB vs Industry: BSBR is overvalued based on its PB Ratio (1.4x) compared to the US Banks industry average (0.8x).
How is Banco Santander (Brasil) forecast to perform in the next 1 to 3 years based on estimates from 13 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BSBR's forecast earnings growth (3.9% per year) is above the savings rate (1.7%).
Earnings vs Market: BSBR's earnings (3.9% per year) are forecast to grow slower than the US market (13.4% per year).
High Growth Earnings: BSBR's earnings are forecast to grow, but not significantly.
Revenue vs Market: BSBR's revenue (13.6% per year) is forecast to grow faster than the US market (7% per year).
High Growth Revenue: BSBR's revenue (13.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BSBR's Return on Equity is forecast to be low in 3 years time (19.2%).
How has Banco Santander (Brasil) performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BSBR has high quality earnings.
Growing Profit Margin: BSBR's current net profit margins (28.6%) are higher than last year (27.5%).
Past Earnings Growth Analysis
Earnings Trend: BSBR's earnings have grown by 14.6% per year over the past 5 years.
Accelerating Growth: BSBR's earnings growth over the past year (16.6%) exceeds its 5-year average (14.6% per year).
Earnings vs Industry: BSBR earnings growth over the past year (16.6%) exceeded the Banks industry 10.9%.
Return on Equity
High ROE: Whilst BSBR's Return on Equity (20.39%) is high, this metric is skewed due to their high level of debt.
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
Financial Institutions Analysis
Asset Level: BSBR's level of assets compared to its equity is moderate.
Allowance for Bad Loans: BSBR has a low allowance for bad loans.
Low Risk Liabilities: BSBR's liabilities are made up of primarily higher risk sources of funding.
Loan Level: BSBR has an acceptable proportion of non-loan assets held.
Low Risk Deposits: BSBR's loans are broadly funded by customer deposits.
Level of Bad Loans: BSBR has a high level of bad loans (8.1%)
What is Banco Santander (Brasil)'s current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BSBR's dividend (11.49%) is higher than the bottom 25% of dividend payers in the US market (2.01%).
High Dividend: BSBR's dividend (11.49%) is in the top 25% of dividend payers in the US market (5.66%)
Stability and Growth of Payments
Stable Dividend: BSBR's dividend payments have been volatile in the past 10 years.
Growing Dividend: BSBR's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: At its current payout ratio (79.8%), BSBR's payments are 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.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Sergio Rial (59yo)
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 ...
|Chairman & President||3.33yrs||no data||no data|
|Vice Chairman||no data||no data||0.013% R$2.4m|
|Independent Director||3.33yrs||no data||no data|
|Director||5yrs||no data||no data|
|Director||10.58yrs||no data||no data|
|President of Fiscal Council||no data||no data||0.0043% R$789.2k|
|Director||10.17yrs||no data||0.012% R$2.1m|
|Independent Director||10.17yrs||no data||no data|
|Independent Director||1yr||no data||no data|
|Independent Director||2.75yrs||no data||no data|
Experienced Board: BSBR's board of directors are considered experienced (3.3 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Banco Santander (Brasil) S.A.'s company bio, employee growth, exchange listings and data sources
- Name: Banco Santander (Brasil) S.A.
- Ticker: BSBR
- Exchange: NYSE
- Founded: 1985
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: R$96.068b
- Listing Market Cap: R$18.353b
- Shares outstanding: 7.47b
- Website: https://www.santander.com.br
Number of Employees
- Banco Santander (Brasil) S.A.
- Avenida Presidente Juscelino Kubitschek, 2041 and 2235
- A Block
- São Paulo
- São Paulo
|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|
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 segments, Commercial Banking and Global Wholesale Banking. The company offers checking and savings accounts; priority services, such as withdrawals, debit cards, deposits, and transfers; onshore and offshore financial products and services, investment advice, and asset management services; consumer credit for purchasing motor vehicles, and other goods and services; local loans, commercial finance, trade finance, guarantees, structured loans, and cash management and funding solutions, as well as Banco Nacional de Desenvolvimento Econômico e Social on-lending transfer services; payroll, mortgage, and agribusiness loans, as well as microcredit; investment products; and credit cards and foreign exchange services. It also provides funding and financial advisory services related to projects, and origination and distribution of fixed-income securities in the debt capital markets, as well as financing for acquisitions and syndicated loans, other structured financing arrangements, and subordinated debt and energy efficiency transactions. In addition, the company offers advisory services in mergers and acquisitions, and equity capital markets transactions; stock brokerage and advisory, equity, and equity research services; derivative and investment products; and digital payment solutions. Further, it operates Webmotors, an online automotive classified. The company provides its products and services through branches, mini-branches, and ATMs; call centers; and digital channels, such as Internet banking and mobile banking. Banco Santander (Brasil) S.A. was incorporated in 1985 and is headquartered in São Paulo, Brazil.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/07 04:21|
|End of Day Share Price||2020/04/06 00:00|
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.