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Upturn AI SWOT - About
BSBR 
Banco Santander Brasil SA ADR (BSBR)
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Upturn Advisory Summary
08/28/2025: BSBR (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $6
1 Year Target Price $6
| 1 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -13.26% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 39.37B USD | Price to earnings Ratio 18.82 | 1Y Target Price 6 |
Price to earnings Ratio 18.82 | 1Y Target Price 6 | ||
Volume (30-day avg) 5 | Beta 0.4 | 52 Weeks Range 3.56 - 5.42 | Updated Date 08/29/2025 |
52 Weeks Range 3.56 - 5.42 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 5.83% | Basic EPS (TTM) 0.28 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.27% | Operating Margin (TTM) 19.9% |
Management Effectiveness
Return on Assets (TTM) 1.22% | Return on Equity (TTM) 13.87% |
Valuation
Trailing PE 18.82 | Forward PE 6.61 | Enterprise Value 136670289920 | Price to Sales(TTM) 0.79 |
Enterprise Value 136670289920 | Price to Sales(TTM) 0.79 | ||
Enterprise Value to Revenue 2.69 | Enterprise Value to EBITDA - | Shares Outstanding 7470969856 | Shares Floating 751280542 |
Shares Outstanding 7470969856 | Shares Floating 751280542 | ||
Percent Insiders 13.69 | Percent Institutions 0.46 |
Upturn AI SWOT
Banco Santander Brasil SA ADR
Company Overview
History and Background
Banco Santander (Brasil) S.A. was established in 1982 as Banco Geral do Comu00e9rcio S.A. and later acquired by Banco Santander in 2000, becoming a key subsidiary focused on the Brazilian market. It has since expanded through strategic acquisitions and organic growth, becoming a major player in Brazil's financial sector.
Core Business Areas
- Retail Banking: Provides a range of banking services to individual customers, including checking accounts, savings accounts, loans, credit cards, and investment products.
- Corporate Banking: Offers financial solutions to companies, including lending, trade finance, cash management, and investment banking services.
- Global Markets: Engages in trading and sales of fixed income, currencies, and commodities, providing risk management solutions to clients.
- Asset Management and Insurance: Offers asset management services and insurance products to individual and institutional clients.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure is hierarchical, with different divisions responsible for various business areas.
Top Products and Market Share
Key Offerings
- Credit Cards: Santander Brasil offers a variety of credit cards with different features and benefits. Market share is approximately 10-15% in Brazil. Competitors include Itau Unibanco and Bradesco. Revenue is spread among all banking sectors.
- Personal Loans: Provides personal loans for various purposes. Market share varies but is generally around 8-12%. Competitors include Caixa Economica Federal and Banco do Brasil. Revenue is spread among all banking sectors.
- Corporate Lending: Offers loans and credit facilities to corporate clients. Market share depends on sector but is competitive. Competitors include Itau Unibanco and Bradesco. Revenue is spread among all banking sectors.
Market Dynamics
Industry Overview
The Brazilian banking industry is highly concentrated, with a few large players dominating the market. The industry is influenced by economic conditions, interest rates, and regulatory changes.
Positioning
Banco Santander Brasil is a major player in the Brazilian banking sector, known for its strong retail and corporate banking operations. It competes with other large Brazilian banks.
Total Addressable Market (TAM)
The Brazilian banking market is estimated to be worth hundreds of billions of dollars. Banco Santander Brasil is positioned to capture a significant share of this market through its diversified product offerings and strong brand presence.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Brazil
- Extensive branch network
- Diversified product offerings
- Solid capital base
- Experienced management team
Weaknesses
- Exposure to Brazilian economic volatility
- High operating costs relative to some peers
- Regulatory complexities
- Competition from fintech companies
- Asset Quality Concerns
Opportunities
- Growing middle class in Brazil
- Increasing demand for financial services
- Expansion into new markets
- Technological innovation
- Increased digitalization of financial services
Threats
- Economic downturn in Brazil
- Increased competition from local and foreign banks
- Regulatory changes
- Cybersecurity risks
- Rising interest rates
Competitors and Market Share
Key Competitors
- ITUB
- BBDC
- BBAS3.SA
Competitive Landscape
Banco Santander Brasil competes with other large Brazilian banks in retail and corporate banking. Its competitive advantages include its brand recognition, extensive branch network, and diversified product offerings. Disadvantages may include high operating costs and regulatory complexities.
Major Acquisitions
Getnet Brasil
- Year: 2014
- Acquisition Price (USD millions): 1100
- Strategic Rationale: Strengthen card acquiring business, increased market presence.
Growth Trajectory and Initiatives
Historical Growth: Banco Santander Brasil has grown through organic expansion and acquisitions. Historical growth rates depend on economic conditions and strategic initiatives.
Future Projections: Future growth projections depend on economic forecasts and company strategy. Analyst estimates vary.
Recent Initiatives: Recent initiatives may include expanding digital banking services, investing in technology, and targeting specific customer segments.
Summary
Banco Santander Brasil is a strong player in the Brazilian banking sector with a wide range of services and strong brand recognition. It must manage economic volatility and increasing competition, and continue to invest in technology to remain competitive. Solid capital and experienced management provides a good foundation, although some cost issues need addressed. Its digital expansion is promising to help the company continue to grow in a new and competitive digital landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company reports
- Financial news sources
- Industry analysis reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice. Market share figures are approximate and may vary depending on the source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Banco Santander Brasil SA ADR
Exchange NYSE | Headquaters São Paulo, SP, Brazil | ||
IPO Launch date 2009-10-07 | CEO, Director & Member of the Board of Executive Officers Mr. Mario Roberto Opice Leao | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 53918 | Website https://www.santander.com.br |
Full time employees 53918 | Website https://www.santander.com.br | ||
Banco Santander (Brasil) S.A., together with its subsidiaries, provides various banking products and services to individuals, small and medium enterprises, and corporate customers in Brazil and internationally. It operates in Commercial Banking and Global Wholesale Banking segments. The company offers payroll and real estate loans; home equity financing solutions; a microfinance program; consortiums; agribusiness portfolio, including credit, securities, and other products; and insurance products, such as life and personal accident, vehicle and property coverage, and credit insurance, as well as insurance for travel and banking transactions. It also provides local transaction banking products, which include local loans, commercial financing options, development bank funds, and cash management services; fund and financial advisory services for infrastructure projects, origination, and distribution of fixed income instruments in capital markets; financing for acquisitions; syndicated loans in local and foreign currency; and advisory services for mergers and acquisitions and equity transactions in capital markets; research and brokerage services for corporate, institutional, and individual investors in stocks and listed derivatives; and foreign exchange products, derivatives, and investments to institutional investors, corporate customers, and individuals. In addition, the company offers cash management for corporate customers and SMEs; advance programs for entrepreneurs; and deposits and other bank funding instruments. It provides financial products and services to its customers through multichannel distribution network comprising branches, mini-branches, ATMs, call centers, Internet banking, and mobile banking. The company was incorporated in 1985 and is headquartered in São Paulo, Brazil.
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