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BSBR 
Banco Santander Brasil SA ADR (BSBR)
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Upturn Advisory Summary
12/02/2025: BSBR (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -4.53% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/02/2025 |
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 - 6.58 | Updated Date 11/14/2025 |
52 Weeks Range 3.50 - 6.58 | 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 6.91 | Enterprise Value 125635510272 | Price to Sales(TTM) 0.97 |
Enterprise Value 125635510272 | Price to Sales(TTM) 0.97 | ||
Enterprise Value to Revenue 3.23 | 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 was founded in 1982 and became one of the largest commercial banks in Brazil. It has grown through acquisitions and organic expansion, becoming a subsidiary of the Spanish Santander Group.
Core Business Areas
- Retail Banking: Offers a range of products and services to individual customers, including current accounts, savings accounts, credit cards, loans, and mortgages.
- Corporate Banking: Provides financial solutions to businesses of all sizes, including loans, trade finance, investment banking, and treasury services.
- Investment Banking: Offers advisory services for mergers and acquisitions, equity and debt offerings, and other financial transactions.
- Insurance: Provides insurance products, including life insurance, auto insurance, and property insurance.
Leadership and Structure
The bank's leadership team consists of experienced executives with expertise in banking and finance. The organizational structure is hierarchical, with clear lines of authority and responsibility.
Top Products and Market Share
Key Offerings
- Credit Cards: Offers a variety of credit cards with different benefits and rewards programs. Santander Brasil has a significant market share in the credit card industry in Brazil. Competitors include Itau Unibanco, Banco do Brasil, and Bradesco.
- Personal Loans: Provides personal loans for various purposes, such as debt consolidation, home improvements, and education. Santander Brasil competes with other banks and fintech companies in the personal loan market. Competitors include Itau Unibanco, Banco do Brasil, and Bradesco.
- Mortgages: Offers mortgages to help customers purchase homes. The Brazilian mortgage market is competitive, with several major banks and financial institutions. Competitors include Itau Unibanco, Banco do Brasil, and Caixa Economica Federal.
- Corporate Loans: Offers corporate loans to businesses of all sizes, which make up a substantial portion of their revenue. Competitors include Itau Unibanco, Banco do Brasil, and Bradesco.
Market Dynamics
Industry Overview
The Brazilian banking industry is highly concentrated, with a few large banks dominating the market. The industry is subject to government regulation and is influenced by macroeconomic conditions.
Positioning
Banco Santander Brasil is one of the largest private-sector banks in Brazil. It has a strong brand reputation and a wide network of branches and ATMs.
Total Addressable Market (TAM)
The TAM for banking services in Brazil is substantial, encompassing a large population and a growing economy. Santander Brasil is well-positioned to capture a significant share of this market.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive branch network
- Diverse product portfolio
- Solid financial performance
- Subsidiary of Santander Group
Weaknesses
- Exposure to Brazilian economic volatility
- High operating costs compared to fintech competitors
- Dependence on traditional banking models
Opportunities
- Growth in digital banking adoption
- Expansion into underserved markets
- Partnerships with fintech companies
- Increasing demand for financial services
Threats
- Increased competition from fintech companies
- Economic downturns in Brazil
- Changes in government regulations
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- ITUB
- BBDC
- BBAS3.SA
Competitive Landscape
Banco Santander Brasil faces intense competition from other large banks and fintech companies in Brazil. The bank's competitive advantages include its strong brand, extensive branch network, and diverse product portfolio.
Major Acquisitions
Getnet Brasil
- Year: 2014
- Acquisition Price (USD millions): 1100
- Strategic Rationale: Expansion in the payment processing segment in Brazil.
Growth Trajectory and Initiatives
Historical Growth: Banco Santander Brasil SA ADR has experienced moderate growth in recent years, driven by expansion in its loan portfolio and fee income.
Future Projections: Analyst estimates for future growth vary, depending on the economic outlook for Brazil and the bank's ability to compete in the market.
Recent Initiatives: Recent strategic initiatives include investments in digital banking, expansion of its branch network, and partnerships with fintech companies.
Summary
Banco Santander Brasil SA ADR is a significant player in the Brazilian banking sector, benefitting from its established brand and network. Intense competition, especially from fintech, is something to watch. The health of the Brazilian economy remains a crucial factor affecting performance. Strategic focus on digital banking and cost management is vital for sustained growth. Growth is tied to the Brazilian economy.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Financial News Outlets
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and 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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