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Upturn AI SWOT - About
BSBR 
Banco Santander Brasil SA ADR (BSBR)
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Upturn Advisory Summary
09/16/2025: 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
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 -11.14% | Avg. Invested days 34 | 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 09/16/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 40.64B USD | Price to earnings Ratio 19.43 | 1Y Target Price 6 |
Price to earnings Ratio 19.43 | 1Y Target Price 6 | ||
Volume (30-day avg) 5 | Beta 0.41 | 52 Weeks Range 3.56 - 5.50 | Updated Date 09/16/2025 |
52 Weeks Range 3.56 - 5.50 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 5.52% | 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 19.43 | Forward PE 6 | Enterprise Value 137940369408 | Price to Sales(TTM) 0.82 |
Enterprise Value 137940369408 | Price to Sales(TTM) 0.82 | ||
Enterprise Value to Revenue 2.76 | Enterprise Value to EBITDA - | Shares Outstanding 7471059968 | Shares Floating 751280849 |
Shares Outstanding 7471059968 | Shares Floating 751280849 | ||
Percent Insiders 13.69 | Percent Institutions 0.46 |
Upturn AI SWOT
Banco Santander Brasil SA ADR
Company Overview
History and Background
Banco Santander Brasil SA ADR was founded in 1982 and has grown through acquisitions and organic expansion. It's a subsidiary of Spain's Banco Santander, playing a significant role in the Brazilian financial market.
Core Business Areas
- Retail Banking: Offers traditional banking services to individuals, including checking and savings accounts, loans, credit cards, and investment products.
- Corporate Banking: Provides financial solutions to businesses, encompassing commercial loans, treasury services, and trade finance.
- Investment Banking: Offers advisory services for mergers and acquisitions, equity and debt underwriting, and other investment-related activities.
- Insurance: Provides a range of insurance products, including life, property, and casualty insurance, to individuals and businesses.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives overseeing various business units. The organizational structure is hierarchical, with regional and functional departments.
Top Products and Market Share
Key Offerings
- Credit Cards: Offers a variety of credit cards with different rewards and benefits. Competes with Itau Unibanco (ITUB), Banco Bradesco (BBDC), and Nubank. Market share difficult to pinpoint exactly but it's a significant player. Revenue not publicly broken out.
- Personal Loans: Provides personal loans for various purposes, such as debt consolidation or home improvement. Competes with other major Brazilian banks and fintech lenders. Market share is estimated in the single digits. Revenue not publicly broken out.
- Corporate Loans: Offers loans to businesses for working capital, expansion, and other needs. Competes with Itau Unibanco (ITUB) and Banco Bradesco (BBDC). Specific market share data is not readily available. Revenue not publicly broken out.
Market Dynamics
Industry Overview
The Brazilian banking sector is competitive and heavily regulated. It is characterized by high interest rates, concentrated market share among a few major players, and increasing competition from fintech companies.
Positioning
Banco Santander Brasil SA ADR is a major player in the Brazilian banking market, leveraging its global presence and strong brand. Its competitive advantages include a diversified product portfolio and established customer base.
Total Addressable Market (TAM)
The TAM for financial services in Brazil is estimated to be in the hundreds of billions of dollars. Banco Santander Brasil SA ADR is well-positioned to capture a significant portion of this market.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive branch network
- Diversified product portfolio
- Global presence
- Technological innovation
Weaknesses
- Exposure to Brazilian economic volatility
- High operating costs
- Regulatory compliance burden
- Cybersecurity risks
- Potential for loan defaults
Opportunities
- Growing demand for financial services in Brazil
- Expansion into new markets
- Increasing adoption of digital banking
- Strategic acquisitions
- Partnerships with fintech companies
Threats
- Intense competition from other banks and fintech companies
- Economic downturns in Brazil
- Changes in regulatory environment
- Increase in interest rates
- Political instability
Competitors and Market Share
Key Competitors
- Itau Unibanco (ITUB)
- Banco Bradesco (BBDC)
- Nu Holdings (NU)
Competitive Landscape
Banco Santander Brasil SA ADR is well-positioned in the Brazilian banking market, but it faces intense competition from other major banks and fintech companies. It needs to continue innovating and adapting to changing market conditions to maintain its competitive edge.
Major Acquisitions
Getnet Brasil
- Year: 2014
- Acquisition Price (USD millions): 1100
- Strategic Rationale: Expand acquiring services business for greater coverage.
Growth Trajectory and Initiatives
Historical Growth: Banco Santander Brasil SA ADR has experienced steady growth in recent years, driven by increasing demand for financial services in Brazil.
Future Projections: Analysts expect Banco Santander Brasil SA ADR to continue growing in the coming years, driven by expansion into new markets and increasing adoption of digital banking.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and strategic partnerships with fintech companies.
Summary
Banco Santander Brasil SA ADR is a strong player in the Brazilian banking market, leveraging its global presence and diversified product portfolio. Its strengths include a strong brand and extensive branch network. Key challenges include exposure to Brazilian economic volatility and intense competition. Continued innovation and adaptation will be crucial for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company reports
- Financial news articles
- Analyst estimates
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market conditions are subject to change.
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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