Banco Santander (Brasil) S.A.
BSBR · Price history
Price at last available close
$4.84
−$0.87 (-15.24%) 1M
2026-10-27
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Company & revenue
About Banco Santander (Brasil) S.A.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Banco Santander (Brasil) S.A., together with its affiliated entities, operates as a prominent financial institution delivering an extensive array of banking and financial services. Its diverse client base includes individuals, small and medium-sized enterprises (SMEs), and large corporate customers, both within Brazil and internationally. The company's operations are strategically divided into two primary segments: Commercial Banking and Global Wholesale Banking.
How they make money
Banco Santander (Brasil) S.A. operates as a commercial bank providing financial services including credit, deposits, and investment products. It generates revenue primarily through net interest income from lending activities and fee-based commissions from services provided to retail and corporate clients.
Products & services
The bank offers a range of financial products including personal and corporate loans, credit cards, savings accounts, insurance, investment management, and payment processing services.
Brands & revenue mix
No separate brand or brand-level revenue disclosure was confirmed in the reviewed sources. This does not mean the company has no brands.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
No supplier relationships were confirmed in the sources reviewed. This does not mean the company has no suppliers.
Strengths
- Strong market position in the Brazilian financial sectorSource
Risks
- Credit risk exposureSource
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
29
Poor
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
45
Weak
Financial Strength
32
Business Quality / Moat
29
Management
89
Growth Quality
30
Risk / Durability
53
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
66
Fully Valued
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
59/100
Building Historical Record
Model Score 59/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as moderate rather than unusually attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Material dilution — approximately 96.6% share-count growth
- •MAJOR RED FLAG: Reverse split proposed / authorized
- •Debt service risk
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for BSBR
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can BSBR maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is BSBR's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Does BSBR's balance between cash and debt leave enough flexibility if business conditions weaken?
- •Is BSBR's valuation discount tied to a temporary concern or to a longer-term business risk?
- •What does the current corporate distress warning mean for the reliability or interpretation of BSBR's score?
Essential Investment Snapshot
Wall Street Score
29
Opportunity Score
66
Market Cap
$36.24B
P/E Ratio
9.3
EPS
$0.60
52-Week High
$7.32
52-Week Low
$4.62
Beta
0.18
Intrinsic Value
$18.32
Analyst Target
$6.10
Shares Outstanding
7.48B
Total Revenue
$69.07B
Total Debt
$28.71B
Dividend Yield (TTM)
1.39%
Liquidation Value / Share
$3.32
Dividend / Share (TTM)
$0.07
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Strong downward momentum
Elevated movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for BSBR
Detected from reported data — verify before acting.Material dilution — approximately 96.6% share-count growth
Shares outstanding increased approximately 96.6% across stored score snapshots. This is material dilution and is applying a Wall Street Score ceiling of 45.
MAJOR RED FLAG: Reverse split proposed / authorized
A recent SEC filing discusses authorization, approval, or a proposal for a reverse stock split. This is treated as a major distress/listing-risk signal and caps Wall Street Score below 30 while pending.
Supporting filingDividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Debt service risk
Interest coverage is low (~0.2x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on BSBR.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Strong market position in the Brazilian financial sector.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Regional industry.
- −Credit risk exposure.
- −Shares outstanding increased approximately 96.6% across stored score snapshots. This is material dilution and is applying a Wall Street Score ceiling of 45.
- −A recent SEC filing discusses authorization, approval, or a proposal for a reverse stock split. This is treated as a major distress/listing-risk signal and caps Wall Street Score below 30 while pending.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
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Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
5 historical score records availablePrevious Score
59
Sep 9, 2026
Change
-30.3
points
Current Score
29
Oct 1, 2026
Category Changes
BSBR decreased 30.3 points because some fundamentals weakened.
Projected Score
Projected Score
32
Projected Change
+3.2 points
Preliminary comparable-period financial changes suggest improvement of approximately 3.2 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $0.60 · Growth assumption: 11.7% · Earnings multiplier: 32.0×.
Current Price
$4.84
Model Intrinsic Value
$18.32
Difference
−$13.48
-73.6% vs IV
Margin of Safety
73.6%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $69.07B | $29.14B | $24.81B | $23.34B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $49.85B | $21.12B | $16.36B | $16.50B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $19.22B | $8.02B | $8.45B | $6.83B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $8.36B | $3.72B | $3.63B | $3.47B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $11.70B | $4.80B | $4.76B | $4.54B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $8.02B | $3.72B | $4.22B | $2.82B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $7.51B | $3.22B | $3.69B | $2.29B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $42.36B | $20.16B | $15.48B | $15.65B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $7.51B | $3.22B | $3.69B | $2.29B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $1.78B | $723.8M | $1.11B | $465.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $5.77B | $2.45B | $2.57B | $1.82B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $0.60 | $0.16 | $0.17 | $0.12 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 7.49B | 7.48B | 7.46B | 7.45B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 7.49B | 7.48B | 7.46B | 7.45B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$7.48B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$0.07
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-18.4%
Cash Change
-1.5%
Margin Change
+1.9 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Debt reduced
What Weakened
- Cash position declined
Potential Score Impact
Positive indicators included revenue growth, EPS growth, debt levels, net income margin. Pressure indicators included cash levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 12.5%. EPS increased 50.0%. Cash declined 1.5%. Total debt declined 18.4%. Net income margin improved by 1.9 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
5 historical recordsHistorical Score Chart
3 of 5 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Banks - RegionalNews
Brokerages Set Banco Santander Brasil SA (NYSE:BSBR) Target Price at $6.10
Is the Options Market Predicting a Spike in Banco Santander Stock?
Banco Santander Brasil Q2 Earnings Call Highlights
Banco Santander (Brasil) S.A. (BSBR) Q2 2026 Earnings Call Transcript
Rumor Mill · BSBR
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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