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Upturn AI SWOT - About
BSBR 
Banco Santander Brasil SA ADR (BSBR)
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Upturn Advisory Summary
10/24/2025: 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 $5.96
1 Year Target Price $5.96
| 1 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -18.53% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/24/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 40.57B USD | Price to earnings Ratio 19.39 | 1Y Target Price 5.96 |
Price to earnings Ratio 19.39 | 1Y Target Price 5.96 | ||
Volume (30-day avg) 5 | Beta 0.43 | 52 Weeks Range 3.50 - 5.55 | Updated Date 10/25/2025 |
52 Weeks Range 3.50 - 5.55 | Updated Date 10/25/2025 | ||
Dividends yield (FY) 6.05% | Basic EPS (TTM) 0.28 |
Earnings Date
Report Date 2025-10-29 | When Before Market | Estimate 0.17 | 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 19.39 | Forward PE 5.98 | Enterprise Value 137865658368 | Price to Sales(TTM) 0.82 |
Enterprise Value 137865658368 | Price to Sales(TTM) 0.82 | ||
Enterprise Value to Revenue 2.78 | Enterprise Value to EBITDA - | Shares Outstanding 7471058861 | Shares Floating 743062781 |
Shares Outstanding 7471058861 | Shares Floating 743062781 | ||
Percent Insiders 13.69 | Percent Institutions 0.46 |
Upturn AI SWOT
Banco Santander Brasil SA ADR
Company Overview
History and Background
Banco Santander (Brasil) S.A. (BSBR) was established in 1982 and is headquartered in Su00e3o Paulo, Brazil. It has grown through acquisitions and organic expansion to become one of Brazil's largest banks.
Core Business Areas
- Retail Banking: Offers a range of banking products and services to individual customers, including checking and savings accounts, loans, credit cards, and investment products.
- Corporate Banking: Provides financial solutions to corporations, including lending, cash management, trade finance, and investment banking services.
- Investment Banking: Offers advisory services for mergers and acquisitions, capital markets transactions, and other strategic initiatives.
- Insurance: Provides insurance products to individuals and businesses, including life, health, and property insurance.
Leadership and Structure
The company is led by a board of directors and an executive team. The organizational structure is hierarchical, with different business units reporting to the executive leadership.
Top Products and Market Share
Key Offerings
- Competitors: Itau Unibanco (ITUB),Banco Bradesco (BBD)
- Credit Cards: Offers a variety of credit cards with different rewards programs and features. The credit card market in Brazil is competitive, with major players like Itau Unibanco (ITUB) and Banco Bradesco (BBD). Santander Brasil's market share in credit cards is estimated around 12%.
- Market share: 12
- Competitors: Caixa Economica Federal,Itau Unibanco (ITUB)
- Market share: 10
- Personal Loans: Provides personal loans for various purposes, such as debt consolidation, home improvement, and education. The market is fiercely competitive. Competitors include Caixa Economica Federal.
- Competitors: Banco do Brasil (BDORY),Itau Unibanco (ITUB)
- Corporate Loans: Offers loans to corporations for working capital, expansion, and other business needs. Competitors include Banco do Brasil (BDORY).
- Market share: 15
Market Dynamics
Industry Overview
The Brazilian banking industry is highly concentrated, with a few large banks dominating the market. The industry is subject to regulations from the Central Bank of Brazil.
Positioning
Banco Santander Brasil SA ADR is one of the leading banks in Brazil, with a strong presence in both retail and corporate banking. It competes with other major banks based on price, service quality, and product offerings.
Total Addressable Market (TAM)
The TAM for banking services in Brazil is estimated to be in the hundreds of billions of dollars. Banco Santander Brasil SA ADR is 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
- Extensive branch network
- Diversified product offerings
- Experienced management team
Weaknesses
- High operating costs
- Exposure to Brazilian economic volatility
- High levels of competition
- Dependence on interest income
Opportunities
- Growth in the Brazilian economy
- Expansion into new markets
- Development of new products and services
- Increased digitalization of banking services
Threats
- Economic recession in Brazil
- Increased competition from fintech companies
- Changes in government regulations
- Rising interest rates
Competitors and Market Share
Key Competitors
- ITUB
- BBD
- BDORY
Competitive Landscape
Banco Santander Brasil SA ADR competes with other major banks in Brazil based on price, service quality, product offerings, and branch network. The company's strengths include its strong brand and extensive branch network.
Major Acquisitions
Getnet Brasil
- Year: 2014
- Acquisition Price (USD millions): 1100
- Strategic Rationale: Expanded its payment processing capabilities and market share in Brazil.
Growth Trajectory and Initiatives
Historical Growth: Banco Santander Brasil SA ADR has grown through acquisitions and organic expansion. The company's growth has been influenced by the Brazilian economy and the regulatory environment.
Future Projections: Future growth projections depend on various factors, including economic conditions, regulatory changes, and competition. Analyst estimates are available from financial websites.
Recent Initiatives: Recent initiatives may include investments in digital banking, expansion into new markets, and new product launches. Consult BSBR's recent press releases and investor presentations for details.
Summary
Banco Santander Brasil SA ADR is a major player in the Brazilian banking sector with a strong brand and extensive network. Its financial performance is closely tied to the Brazilian economy, and it faces stiff competition from other large banks and fintech companies. Santander Brasil has a diverse product offering and is adapting to digital trends, which should contribute to future growth. Regulatory changes and economic downturns in Brazil will be factors to keep a close eye on.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- Financial News Outlets
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual risk tolerance and due diligence.
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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