Banco Santander (Brasil) S.A. (BSBR) AI Stock Analysis

Banco Santander (Brasil) S.A. operates through two main segments: Commercial Banking and Global Wholesale Banking. Commercial Banking delivers deposits, debit and credit cards, payment platforms, digital prepaid solutions, and employee benefit vouchers. It also provides payroll loans, mortgages, home equity financing, consumer credit, commercial and trade finance, structured loans, and cash management solutions. Global Wholesale Banking specializes in corporate financial solutions, including project funding, fixed-income securities, mergers and acquisitions, equity capital markets, stock brokerage, and derivative products. The bank reaches customers through branches, mini-branches, ATMs, call centers, and digital channels.

Revenue grew from $75.34B in FY2021 to $110.90B in FY2022, $121.36B in FY2023, $129.02B in FY2024, and $151.54B in FY2025, delivering a 5-year revenue CAGR of 24.4%. Net income was $15.53B in FY2021 before shifting to $14.29B in FY2022, $9.45B in FY2023, $13.37B in FY2024, and $12.77B in FY2025. Operating margin was 11.0% and net margin was 8.4% in FY2025, down from 32.9% and 20.6% in FY2021. Over the trailing twelve months, revenue was $48.29B with a profit margin of 28.7% and an operating margin of 33.2%. For the latest quarter ended June 30, 2026, quarterly revenue growth was 28.8% year-over-year, and quarterly earnings growth reached 49.8%.

As of June 30, 2026, Banco Santander (Brasil) S.A. held $282.73B in cash and short-term investments alongside total debt of $149.28B, yielding net cash of $133.45B. Total assets stood at $1.29T against shareholders' equity of $127.27B, reflecting a debt-to-equity ratio of 1.17 and a current ratio of 0.34. In FY2025, operating cash flow was $4.99B and free cash flow was $1.34B. During that year, the bank allocated $3.66B to capital expenditures and paid $6.50B in dividends.

At a last close of $5.58, Banco Santander (Brasil) S.A. trades at a trailing P/E of 16.9x, compared to the median of 12.1x for its US-listed Financial Services peers. Its forward P/E stands at 6.0x versus the peer median of 10.8x, with a price-to-sales ratio of 0.4x compared to the peer median of 3.2x. Over the past year, the stock gained 15.7%, trailing the S&P 500 (SPY) return of 16.8%. Over a 5-year span, the stock returned 17.8%, while the S&P 500 returned 83.0%.

Banco Santander (Brasil) S.A. pays a quarterly dividend with an annual forward payout of $0.35, resulting in a dividend yield of 6.19%. The payout ratio is 55.0%, and dividends have been paid for 18 consecutive years. However, its 5-year annualized dividend growth was -11.8%. The last ex-dividend date occurred on October 22, 2026.

Wall Street coverage consists of 0 Strong Buy, 1 Buy, 2 Hold, 0 Sell, and 0 Strong Sell ratings. The mean price target is $6.77, representing a 21.3% premium over the last close of $5.58. For the fiscal year ending December 31, 2026, analysts estimate EPS of $0.70 on revenue of $85.06B. For the next fiscal year, 3 analysts project EPS of $0.83 and revenue of $92.19B. Over the last four quarters, the bank exceeded EPS estimates in 1 quarter.

This page is an AI-written research summary of Banco Santander (Brasil) S.A. (BSBR). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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