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Upturn AI Summary - About
Banco Santander Brasil SA ADR(BSBR)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BSBR
10/29/2026: BSBR (1-star) is currently NOT-A-BUY. Pass it for now.
Banco Santander Brasil is a major subsidiary of the Spanish Santander Group, functioning as one of the largest private-sector banks in Brazil. The company benefits from a deep-rooted presence and an extensive retail network, serving as a core player in the local financial system. Its primary growth story revolves around digitizing operations to compete with nimble fintechs while expanding advisory and investment services. However, the stock is subject to significant risks including exposure to Brazilian macroeconomic volatility, currency fluctuations, and intense competitive pressure. It may best suit value or dividend-focused investors willing to accept emerging-market risk, provided they monitor Brazil's interest rate and credit cycles closely.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely tied to the macroeconomic development of the Brazilian market rather than exponential technological scaling. |
| Momentum investor | Mixed fit | Momentum is conditional on positive signals in the Brazilian interest rate cycle and currency trends. |
| Value investor | Strong fit | The stock often trades at valuations that reflect the cyclical nature and risks of an emerging market banking sector. |
| Dividend investor | Strong fit | The company is recognized for its historical ability to pay dividends and interest on equity. |
| Low-risk investor | Weak fit | Exposure to Brazil's currency and economic volatility makes this a higher-risk investment compared to developed-market banks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is sensitive to swings in the Brazilian Real and regional political developments. |
| Valuation risk | Medium | Valuations can be suppressed by sentiment regarding Brazil's fiscal stability. |
| Competition risk (Fintech disruption) | Medium / high | Digital banks are aggressively capturing market share in retail services. |
| Business quality | Medium | It is a well-established franchise, but profitability is heavily linked to the local economic cycle. |
| Dividend income | Medium | Dividends can fluctuate based on profitability and local tax law changes. |
| Execution risk | Medium | Successful modernization of legacy IT systems is critical to maintaining a competitive edge. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -14.1% | Avg. Invested days 34 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/29/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 17.00B USD | Price to earnings Ratio 13.76 | 1Y Target Price 6.77 |
Price to earnings Ratio 13.76 | 1Y Target Price 6.77 | ||
Volume (30-day avg) 4.2M shares | Beta 0.14 | 52 Weeks Range 4.52 - 6.95 | Updated Date 10/29/2026 |
52 Weeks Range 4.52 - 6.95 | Updated Date 10/29/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.33 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans (retail and corporate) minus interest paid on deposits. | This is the core profit driver, essentially the spread between what they earn on loans and pay on savings. |
| Service Fees | Fees from credit cards, asset management, and account services. | Stable, recurring income generated from customers using bank services. |
| Geography: Brazil | Operations entirely within the Brazilian financial market. | Your investment is tied to the strength of the Brazilian economy. |
Valuation
Trailing PE 13.76 | Forward PE 5.98 | Enterprise Value 167.64B | Price to Sales(TTM) 0.35 |
Enterprise Value 167.64B | Price to Sales(TTM) 0.35 | ||
Enterprise Value to Revenue 2.59 | Enterprise Value to EBITDA - | Shares Outstanding 3.74B | Shares Floating 1.87B |
Shares Outstanding 3.74B | Shares Floating 1.87B | ||
Percent Insiders 13.7 | Percent Institutions 0.95 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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