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BSBR 
Banco Santander Brasil SA ADR (BSBR)
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Upturn Advisory Summary
12/24/2025: 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 $6.28
1 Year Target Price $6.28
| 1 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -14.74% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/24/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 47.14B USD | Price to earnings Ratio 21.76 | 1Y Target Price 6.28 |
Price to earnings Ratio 21.76 | 1Y Target Price 6.28 | ||
Volume (30-day avg) 5 | Beta 0.28 | 52 Weeks Range 3.50 - 6.60 | Updated Date 11/14/2025 |
52 Weeks Range 3.50 - 6.60 | Updated Date 11/14/2025 | ||
Dividends yield (FY) 5.21% | Basic EPS (TTM) 0.29 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.32% | Operating Margin (TTM) 27.72% |
Management Effectiveness
Return on Assets (TTM) 1.19% | Return on Equity (TTM) 16.46% |
Valuation
Trailing PE 21.76 | Forward PE 6.87 | Enterprise Value 125635510272 | Price to Sales(TTM) 0.94 |
Enterprise Value 125635510272 | Price to Sales(TTM) 0.94 | ||
Enterprise Value to Revenue 3.27 | Enterprise Value to EBITDA - | Shares Outstanding 7471058861 | Shares Floating 743146438 |
Shares Outstanding 7471058861 | Shares Floating 743146438 | ||
Percent Insiders 13.69 | Percent Institutions 0.47 |
Upturn AI SWOT
Banco Santander Brasil SA ADR
Company Overview
History and Background
Banco Santander Brasil SA, the Brazilian subsidiary of the Spanish multinational financial services company Banco Santander, was established in 1982. It has grown to become one of the largest private sector banks in Brazil, undergoing significant expansion through organic growth and strategic acquisitions. Key milestones include its IPO in 2009, listing on the B3 (Brasil Bolsa Balcu00e3o) and the New York Stock Exchange (NYSE) as an ADR, and continuous integration of digital banking solutions.
Core Business Areas
- Wholesale Banking: Provides a comprehensive range of financial services to large corporations, financial institutions, and public sector entities. This includes corporate lending, investment banking, trade finance, foreign exchange, and treasury services.
- Retail Banking: Offers a wide array of products and services to individual customers and small and medium-sized enterprises (SMEs). This segment includes current and savings accounts, personal loans, mortgages, credit cards, and insurance products.
- Wealth Management & Insurance: Manages investment portfolios for high-net-worth individuals and offers a suite of insurance products, including life, property, and pension plans.
- Digital Channels: Focuses on developing and enhancing digital banking platforms, mobile applications, and online services to improve customer experience and operational efficiency.
Leadership and Structure
Banco Santander Brasil SA is led by a Board of Directors and an Executive Board. The CEO oversees the overall strategy and operations. The organizational structure is typically segmented by business lines (e.g., retail, wholesale, wealth management) and geographical regions within Brazil.
Top Products and Market Share
Key Offerings
- Checking and Savings Accounts: Offers various types of checking and savings accounts with different features and benefits for individual and business customers. Competitors include Itau Unibanco, Bradesco, and Caixa Econu00f4mica Federal.
- Credit Cards: Provides a broad range of credit card products with different reward programs, interest rates, and credit limits. Competitors include Itau Unibanco, Bradesco, and Visa/Mastercard issuers.
- Personal Loans and Mortgages: Offers consumer loans and home financing solutions. Competitors include Itau Unibanco, Bradesco, and other financial institutions.
- Digital Banking Services: Santander Brasil has a strong focus on its digital offerings, including its mobile app for transactions, account management, and investment services. Competitors are heavily investing in their digital platforms, including Itau Unibanco, Bradesco, and Nubank.
Market Dynamics
Industry Overview
The Brazilian banking industry is highly concentrated and competitive, dominated by a few large private and state-owned banks. It is characterized by a growing adoption of digital banking, increasing regulatory oversight, and a significant portion of the population still unbanked or underbanked, presenting opportunities for financial inclusion.
Positioning
Banco Santander Brasil SA is one of the leading private banks in Brazil, known for its strong retail and wholesale banking operations. Its competitive advantages include a broad distribution network, a diversified product portfolio, significant investment in technology and digital transformation, and the backing of its global parent company, Santander.
Total Addressable Market (TAM)
The TAM for the Brazilian financial services market is substantial, encompassing a large population and economy. While precise TAM figures are complex to define, it represents hundreds of billions of dollars in deposits, loans, and investment products. Santander Brasil is well-positioned to capture a significant share of this market, particularly in its core segments of retail and corporate banking, and is actively working to expand its reach through digital channels.
Upturn SWOT Analysis
Strengths
- Strong brand recognition and global parent company support
- Diversified business model with presence in retail, wholesale, and wealth management
- Significant investments in digital transformation and innovation
- Extensive branch network and customer base in Brazil
- Solid capital base and profitability
Weaknesses
- Intense competition from established players and fintechs
- Dependence on the Brazilian economic environment, which can be volatile
- Potential for legacy IT systems to hinder rapid innovation in some areas
- Customer acquisition costs in a mature market
Opportunities
- Further expansion of digital banking services and fintech partnerships
- Growth in credit for SMEs and underserved populations
- Leveraging data analytics for personalized customer offerings
- Cross-selling opportunities within its existing customer base
- Potential for economic recovery and increased consumer spending
Threats
- Economic downturns and political instability in Brazil
- Increasing regulatory scrutiny and compliance costs
- Cybersecurity risks and data breaches
- Aggressive pricing and innovation from competitors
- Changes in interest rate policies by the central bank
Competitors and Market Share
Key Competitors
- Itau Unibanco Holding SA (ITUB)
- Banco Bradesco SA (BBDO)
- Caixa Econu00f4mica Federal (State-owned, not publicly traded in the US)
- Nubank (NU)
Competitive Landscape
Santander Brasil holds a significant market share but faces intense competition. Its advantages lie in its diversified offerings and digital investments. However, it competes with larger, well-established domestic banks like Itau and Bradesco, as well as rapidly growing digital banks like Nubank, which are challenging traditional banking models with innovative, often lower-cost, digital-first solutions.
Growth Trajectory and Initiatives
Historical Growth: Santander Brasil has demonstrated consistent historical growth in its loan portfolio, customer base, and digital adoption. It has successfully integrated acquisitions and expanded its product offerings, contributing to its revenue and profit growth over the years.
Future Projections: Analyst projections for Santander Brasil typically anticipate continued growth in its core banking segments, driven by economic recovery and increasing financial inclusion. Digital banking and fintech innovation are expected to remain key growth drivers. Projections often indicate modest to moderate EPS and revenue growth.
Recent Initiatives: Recent initiatives have focused on enhancing digital capabilities, improving customer experience through AI and data analytics, expanding credit offerings to SMEs, and promoting sustainable finance practices.
Summary
Banco Santander Brasil SA ADR is a strong player in the Brazilian financial market, benefiting from its global parentage and a diversified business model. Its focus on digital transformation is a key strength, positioning it well for future growth. However, it must navigate intense competition from both traditional banks and agile fintechs, as well as the inherent economic and political volatilities of Brazil.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Official company investor relations reports
- Financial news outlets (e.g., Bloomberg, Reuters)
- Financial data providers (e.g., Refinitiv, FactSet)
- Market research reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Data presented is based on publicly available information and may not be exhaustive or perfectly up-to-date. Investment decisions should be made in consultation with a qualified financial advisor.
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 51747 | Website https://www.santander.com.br |
Full time employees 51747 | 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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