Banco Santander (Brasil) Balance Sheet Health
Financial Health criteria checks 3/6
Banco Santander (Brasil) has total assets of R$1,335.2B and total equity of R$92.0B. Total deposits are R$495.3B, and total loans are R$423.9B.
Key information
14.5x
Asset to equity ratio
n/a
Net interest margin
| Total deposits | R$495.33b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 7.6% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | R$52.58b |
Recent financial health updates
No updates
Recent updates
Banco Santander (Brasil) Q3: Good, But Not Good Enough For Me To Recommend Buying
Nov 01Banco Santander (Brasil) Q2: Raising The Recommendation To Hold
Jul 26Banco Santander (Brasil): ROE Still Low And Competition Ahead
May 06Santander Brasil Q4: A Buy Despite Recent Setbacks
Feb 02Banco Santander (Brasil) Q3: The Worst Is Behind, But Still Pricey
Oct 27Banco Santander (Brasil): Recovery Mode, But Overvaluation Persists
Oct 06Santander Wants To Ride Brazil's Next Wave
Aug 01Banco Santander (Brasil) Stock: Lackluster Performance, Not Warranting A Buy
Jun 22Santander Brazil: Resilient Operating Trends Lead To Undervaluation
Dec 13Banco Santander (Brasil) S.A. reports Q3 results
Oct 27Santander Brazil: Beware Of Macroeconomic Headwinds
Sep 14Santander: The Highest Banking Upside In All Of Europe
Feb 23Santander Brazil: Diversify Your Income Stream With This Quality Bank Stock
Sep 08Banco Santander (Brasil) S.A. goes ex-dividend on Monday
May 07Banco Santander (Brasil) S.A. 2020 Q4 - Results - Earnings Call Presentation
Feb 03Banco Santander (Brasil) goes ex-dividend on Monday
Jan 08Banco Santander (Brasil) S.A. goes ex-dividend tomorrow
Nov 04Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BSBR's Assets to Equity ratio (14.5x) is moderate.
Allowance for Bad Loans: BSBR has a low allowance for bad loans (100%).
Low Risk Liabilities: 60% of BSBR's liabilities are made up of primarily higher risk sources of funding.
Loan Level: BSBR has an appropriate level of Loans to Assets ratio (32%).
Low Risk Deposits: BSBR's Loans to Deposits ratio (86%) is appropriate.
Level of Bad Loans: BSBR has a high level of bad loans (7.6%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/02/09 02:54 |
| End of Day Share Price | 2025/02/07 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Banco Santander (Brasil) S.A. is covered by 24 analysts. 9 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Roberto de Aguiar Attuch | Barclays |
| Rafael Reis | BB Banco de Investimento S.A. |
| Mario Lucio Pierry | BofA Global Research |