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Upturn AI SWOT - About
BSBR 
Banco Santander Brasil SA ADR (BSBR)
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Upturn Advisory Summary
06/11/2025: 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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $5.98
1 Year Target Price $5.98
| 1 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -5.44% | Avg. Invested days 34 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/11/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 39.75B USD | Price to earnings Ratio 17.16 | 1Y Target Price 5.98 |
Price to earnings Ratio 17.16 | 1Y Target Price 5.98 | ||
Volume (30-day avg) 5 | Beta 0.45 | 52 Weeks Range 3.64 - 5.53 | Updated Date 06/30/2025 |
52 Weeks Range 3.64 - 5.53 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 5.18% | Basic EPS (TTM) 0.31 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.02% | Operating Margin (TTM) 42.53% |
Management Effectiveness
Return on Assets (TTM) 1.13% | Return on Equity (TTM) 11.36% |
Valuation
Trailing PE 17.16 | Forward PE 6.91 | Enterprise Value 202233217024 | Price to Sales(TTM) 0.83 |
Enterprise Value 202233217024 | Price to Sales(TTM) 0.83 | ||
Enterprise Value to Revenue 2.7 | Enterprise Value to EBITDA - | Shares Outstanding 7470870016 | Shares Floating 751196084 |
Shares Outstanding 7470870016 | Shares Floating 751196084 | ||
Percent Insiders 13.69 | Percent Institutions 0.5 |
Analyst Ratings
Rating 3 | Target Price 5.98 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Banco Santander Brasil SA ADR
Company Overview
History and Background
Banco Santander Brasil S.A., founded in 1982, is one of Brazil's largest commercial banks, evolving through acquisitions and organic growth to become a significant player in the Brazilian financial sector.
Core Business Areas
- Retail Banking: Offers a wide range of banking products and services to individuals and small businesses, including checking accounts, savings accounts, loans, credit cards, and insurance products.
- Corporate Banking: Provides financial solutions to large corporations, including loans, trade finance, investment banking services, and cash management.
- Global Markets: Engages in trading activities, including foreign exchange, fixed income, and derivatives.
- Asset Management and Insurance: Offers asset management services and insurance products to individuals and institutions.
Leadership and Structure
Sergio Rial is the Chairman. The organizational structure consists of various business units and support functions, reporting to the CEO.
Top Products and Market Share
Key Offerings
- Credit Cards: Santander Brasil is a major credit card issuer in Brazil. Competitors: Itau Unibanco, Banco Bradesco, Nubank. Market share information is variable and requires real-time updates from financial data providers.
- Loans: Santander Brasil provides a diverse range of loans to individuals and businesses, including personal loans, auto loans, mortgages, and corporate loans. Competitors: Banco do Brasil, Caixa Economica Federal. Market share information is variable and requires real-time updates from financial data providers.
- Investment Products: Santander Brasil offers various investment products like fixed-income securities and mutual funds. Competitors: XP Inc., BTG Pactual. Market share information is variable and requires real-time updates from financial data providers.
Market Dynamics
Industry Overview
The Brazilian banking sector is highly concentrated, with a few major players dominating the market. It is influenced by macroeconomic factors such as interest rates, inflation, and economic growth.
Positioning
Banco Santander Brasil is a major player in the Brazilian banking sector, known for its strong retail presence and its focus on innovation. It competes with both domestic and international banks.
Total Addressable Market (TAM)
The Brazilian banking sector's TAM is substantial, estimated to be several hundred billion USD annually. Santander Brasil is well-positioned to capture a significant share of this market through its diverse product offerings and extensive branch network.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in Brazil
- Extensive branch network
- Diversified product portfolio
- Strong digital banking capabilities
- Experienced management team
Weaknesses
- Exposure to the Brazilian economy
- Relatively higher operating costs compared to digital-only banks
- Potential for regulatory changes
Opportunities
- Growth in the Brazilian economy
- Increasing adoption of digital banking
- Expansion into new markets and products
- Strategic acquisitions
- Partnerships with fintech companies
Threats
- Competition from other banks and fintech companies
- Economic downturn in Brazil
- Changes in interest rates and inflation
- Regulatory risks
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- ITUB
- BBDC
- BBAS3.SA
Competitive Landscape
Banco Santander Brasil faces intense competition from both traditional banks and fintech companies. Its strengths lie in its established brand, extensive branch network, and diversified product portfolio. Its weaknesses include higher operating costs compared to digital-only banks and exposure to the Brazilian economy.
Major Acquisitions
Getnet
- Year: 2014
- Acquisition Price (USD millions): 1100
- Strategic Rationale: Expansion into payment processing market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is dynamic and requires real-time updates from financial data providers.
Future Projections: Future growth projections are dynamic and require real-time updates from financial data providers.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion of its branch network in strategic locations, and partnerships with fintech companies.
Summary
Banco Santander Brasil is a major player in Brazil, leveraging a robust retail network and diversified offerings. Growth opportunities lie in digital expansion amidst economic volatility and increasing competition. Key risks include regulatory changes and cybersecurity threats. The company's long-standing presence and ongoing innovation efforts provide a strong foundation for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Publicly available financial statements, analyst reports, industry publications, company press releases.
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data and financial metrics are subject to change and may not be entirely accurate.
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 55303 | Website https://www.santander.com.br |
Full time employees 55303 | 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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