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Banco Santander Brasil SA

BSBR Financial Banks Regional

Banco Santander Brasil SA’s revenue for fiscal 2025 (year ended December 2025) was $32.2 billion, up 12.6% from fiscal 2024.

Revenue
+15.0%
Free cash flow
+274.8%
Total debt
+19.4%

Quarter to June 2026, against a year earlier

4.74 0.02 −0.42%
Market cap
$17.7B
P/E
6.2×
Fwd P/E
—
Dividend yield
6.82%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.00
Sold, $m 6.72
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — 1 — — —
Sell — — — 9 — 1 5 — 13 5 — —
Insider Ownership 1.65%

Capital & Financial Ratios $m

Size
Market Cap 17,710.00
Revenue ttm 34,698.72
Net income ttm 2,650.66
Free cash flow ttm 7,661.82
Net debt Q 14,249.74
Valuation
P/E 6.25
Forward P/E —
Price / sales 0.52
Forward P/S Powerpack
Price / FCF 2.35
Price / book 0.71
Financial health
Current ratio Q 1.56
Debt / equity Q 3.34
Interest coverage Q —
Growth
Revenue growth Q +14.98% (above 0%: growing)
Operating income growth Q −3.19% (below 0%: shrinking)
EPS, this year −13.74% (below 0%: weak)
EPS, next year A +15.98% (at or above 15%: strong)
Revenue, next year A —
EPS, past 5 yrs −3.04% (below 0%: weak)
EPS, next 5 yrs A +4.67%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 10.19%
10-year low 10-year high
P/S against its own 10 years 0.55%
10-year low 10-year high
P/B against its own 10 years 3.37%
10-year low 10-year high

Dividends

Yield
6.82%
Annual rate
0.32
Payout ratio
—
Growth, 2018–26
+17.4%/yr
  1. 0.09 ’18
  2. 0.33 ’19 +273
  3. 0.20 ’20 −40
  4. 0.53 ’21 +163
  5. 0.28 ’22 −47
  6. 0.31 ’23 +10
  7. 0.30 ’24 −4
  8. 0.34 ’25 +12
  9. 0.32 ’26 −4
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 62,293 65,937 65,944 71,018
Receivables — — — —
Inventory — — — —
Other — — — —
171,195 176,485 173,493 193,672
2023 2024 2025 Q'26
Payables 116,819 112,180 106,265 122,971
ST’ Debt — — — —
Other — 25,146 — —
117,881 113,011 107,125 123,807

Compound Annual Growth %

10y 5y 3y
Sales 4.29% 20.06% 7.41%
Cash Flow (3.13%) (35.82%) (12.32%)
Earnings (2.64%) (2.56%) (6.17%)
Book Value (0.72%) 1.95% 1.87%

Earnings Trends EPS, adjusted, against the consensus

Dec 2021 Estimate 0.20 Actual 0.17

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Mar 2021 0.16 0.09 Miss by 0.07
Jun 2021 0.19 0.05 Miss by 0.14
Sep 2021 0.21 0.09 Miss by 0.12
Dec 2021 0.20 0.17 Miss by 0.03

EPS $

Mar Jun Sep Dec Year
’26 — — — — —
’25 — — — — 0.60
’24 — — — — 0.65
’23 — — — — 0.50
’22 — — — — 0.74
’21 0.20 0.20 0.19 0.17 0.77
’20 0.23 0.10 0.19 0.18 0.70
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 8,661 9,071 — — —
’25 7,356 7,889 8,283 8,684 32,212
’24 7,550 7,039 7,231 6,780 28,600
’23 3,778 7,245 7,546 — 29,497
’22 5,708 3,497 6,690 2,631 25,994
’21 3,422 4,681 4,044 4,640 16,787
’20 2,157 2,946 3,275 4,537 12,915
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 7,521 3,825 — — —
’25 5,703 (1,892) 747 (3,664) 894
’24 (4,342) 2,884 5,262 (7,722) (3,918)
’23 7,295 (2,234) 12,300 — 7,334
’22 2,177 (1,256) 334 7,292 1,326
’21 2,990 (956) (1,957) 1,184 1,261
’20 4,171 2,809 169 1,061 8,210
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 7,413 3,547 — — —
’25 5,653 (2,029) 687 (3,985) 326
’24 (4,411) 2,778 5,184 (7,871) (4,319)
’23 7,295 (2,466) 12,184 — 6,723
’22 2,144 (1,419) 276 7,292 828
’21 3,064 (1,047) (2,133) 947 830
’20 4,073 2,691 67 998 7,830
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 27,350 26,684 21,358 22,119 12,915 16,787 25,994 29,497 28,600 32,212 34,699 +1.8% — — — —
Gross margin, % 51.19 57.19 63.42 67.33 72.46 70.56 49.54 44.73 47.81 41.70 40.78 (9.5) pt
EBT 4,697 4,546 4,353 5,644 1,875 4,586 3,792 2,388 3,558 2,996 3,423 (4.9%)
EBT margin, % 17.17 17.04 20.38 25.52 14.52 27.32 14.59 8.10 12.44 9.30 9.87 (7.9) pt
Net income 2,140 2,862 3,502 4,214 2,609 2,883 2,778 1,903 2,487 2,322 2,651 +0.9%
Per share, $
Per share, $ Revenue 7.14 6.98 5.61 5.82 3.40 4.41 6.86 7.77 7.53 8.64 0.00 +2.1%
Earnings 0.55 0.73 0.90 1.05 0.70 0.77 0.74 0.51 0.65 0.60 0.76 +1.0%
Cash flow 0.51 4.12 0.59 1.66 2.16 0.33 0.35 1.93 (1.03) 0.24 0.00 (8.0%)
Capex (0.11) (0.15) (0.21) (0.23) (0.10) (0.11) (0.13) (0.16) (0.11) (0.15) 0.00 +3.4%
Free cash flow 0.39 3.97 0.39 1.43 2.06 0.22 0.22 1.77 (1.14) 0.09 0.00 (15.4%)
Book value 6.35 7.14 6.58 6.48 5.42 5.16 5.66 6.06 5.85 6.08 0.00 (0.5%)
Shares, m 3,829 3,822 3,807 3,802 3,800 3,803 3,788 3,795 3,799 3,730 3,803 (0.3%)
Valuation, ×
Valuation, × P/E 21.75 12.71 11.58 10.32 11.56 7.08 6.64 8.49 5.15 8.05 6.25 10.3
P/S 1.22 1.34 1.86 1.95 2.38 1.22 1.03 1.16 0.52 0.72 0.52 1.3
P/B 1.37 1.31 1.58 1.75 1.49 1.04 0.92 1.05 0.67 1.03 0.71 1.2
EV/Sales 1.55 1.95 3.16 3.84 3.66 3.14 0.84 1.41 0.78 0.89 — 2.1
EV/FCF 28.09 3.43 45.80 15.64 6.03 63.60 1.94 1.24 (5.20) 88.32 — 24.9
Cash, $m
Cash, $m Operating cash flow 1,935 15,751 2,265 6,303 8,210 1,261 1,326 7,334 (3,918) 894 8,428 (8.2%)
Capex (430) (566) (790) (865) (380) (431) (498) (611) (402) (568) (767) +3.1%
Free cash flow 1,504 15,185 1,474 5,437 7,830 830 828 6,723 (4,319) 326 7,662 (15.6%)
Balance, $m
Balance, $m Working capital 53,859 45,326 59,115 43,455 45,671 35,510 49,490 53,314 63,473 66,368 69,865 +2.3%
Net debt 8,152 15,453 26,942 40,855 15,756 32,373 12,621 3,271 7,577 5,527 14,250 (4.2%)
Shareholders’ equity 24,316 27,276 25,061 24,633 20,581 19,637 21,439 23,006 22,216 22,666 25,548 (0.8%)
Returns, %
Returns, % ROA 1.15 1.46 1.72 2.13 1.39 1.62 1.52 0.91 1.09 1.00 1.10 (0.1) pt
ROIC 16.45 12.51 9.58 8.65 9.08 9.36 15.84 19.14 18.64 18.53 13.40 +2.1 pt
ROE 8.64 10.84 13.16 16.73 11.51 14.31 13.47 8.52 10.96 10.19 10.99 +1.6 pt
People
People Employees 47,252 47,404 48,012 47,819 44,599 48,834 52,603 55,611 55,646 49,661 — +0.6%
Revenue/emp, $m 0.58 0.56 0.44 0.46 0.29 0.34 0.49 0.53 0.51 0.65 — +1.3%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

Banco Santander Brasil SA vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
RF Regions Financial Corporation $24.2B 11.0× 10.7× +0.16% (above 0%: growing) +16.13% (above 0%: growing) −39.63% (below 0%: shrinking) 80.24% 0.00% Compare
KEY KeyCorp $22.1B 11.5× 11.2× +1.55% (above 0%: growing) +24.39% (above 0%: growing) +85.68% (above 0%: growing) 71.05% 0.00% Compare
BCH Banco De Chile $19.6B 14.0× 14.3× +11.52% (above 0%: growing) +4.13% (above 0%: growing) +134.20% (above 0%: growing) 75.90% 0.00% Compare
BSBR Banco Santander Brasil SA $17.7B 6.2× — +14.98% (above 0%: growing) −5.56% (below 0%: shrinking) +274.78% (above 0%: growing) 40.57% 0.00%
EWBC East West Bancorp, Inc. $17.7B 12.2× 12.2× −0.14% (below 0%: shrinking) +4.91% (above 0%: growing) +112.58% (above 0%: growing) 66.97% 0.00% Compare
WF Woori Bank $16.8B 7.7× — +37.39% (above 0%: growing) +12.90% (above 0%: growing) −106.07% (below 0%: shrinking) 57.49% 0.00% Compare
PNFP Pinnacle Financial Partners, Inc. $15.3B 13.5× 13.0× +126.12% (above 0%: growing) +9.55% (above 0%: growing) −3.18% (below 0%: shrinking) 66.77% 0.00% Compare
BSAC Banco Santander Chile $15.2B 12.4× — +6.76% (above 0%: growing) +50.00% (above 0%: growing) +440.00% (above 0%: growing) 67.88% 0.00% Compare
BBD Banco Bradesco SA $14.0B 5.5× 5.2× +16.65% (above 0%: growing) +44.44% (above 0%: growing) +1,455.10% (above 0%: growing) 34.57% 0.00% Compare
Median of peers $17.2B 11.8× 11.7× +9.14% +14.52% +99.13% 67.43% 0.00%

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BSBR metrics, ten years each

stockrow.com/BSBR · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com