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Banco Santander (Brasil) S.A. BSBR

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4.73 USD -0.03 (-0.63%)

At closeNov 6, 2026, 4:01 AM EST

4.80 +0.07 +1.48%

Pre-market · Nov 6, 4:01 AM ET

4.71 Day range 4.87
4.38 52-week range 7.32
YTD
-22.59%
1 year
-21.95%

Financial health

Altman Z-Score

-0.15 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

C+2 / 5 overall

  • DCF 2
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 2
  • P/E 1
  • P/B 2

Valuation

P/E 40.3×
FY 2016: 29.8×FY 2017: 27.1×FY 2018: 24.6×FY 2019: 21.2×FY 2020: 23.8×FY 2021: 14.4×FY 2022: 14.8×FY 2023: 51.3×FY 2024: 27.9×FY 2025: 40.3×
FY 2016 5y median 27.9× FY 2025
P/S 1.7×
FY 2016: 2.5×FY 2017: 3.1×FY 2018: 4.6×FY 2019: 4.6×FY 2020: 6.3×FY 2021: 3.0×FY 2022: 1.9×FY 2023: 2.0×FY 2024: 1.4×FY 2025: 1.7×
FY 2016 5y median 1.9× FY 2025
P/B 2.0×
FY 2016: 2.5×FY 2017: 2.7×FY 2018: 3.4×FY 2019: 3.6×FY 2020: 3.0×FY 2021: 2.1×FY 2022: 1.9×FY 2023: 2.1×FY 2024: 1.5×FY 2025: 2.0×
FY 2016 5y median 2.0× FY 2025
P/FCF 187×
FY 2016: 40.0×FY 2017: 4.7×FY 2018: 58.7×FY 2019: 16.2×FY 2020: 7.9×FY 2021: 50.3×FY 2022: 53.2×FY 2023: 7.1×FY 2024: -7.6×FY 2025: 187×
FY 2016 5y median 50.3× FY 2025
EV/EBITDA 9.2×
FY 2016: 16.3×FY 2017: 17.8×FY 2018: 21.8×FY 2019: 16.7×FY 2020: 25.4×FY 2021: 8.1×FY 2022: 8.5×FY 2023: 12.2×FY 2024: 5.1×FY 2025: 9.2×
FY 2016 5y median 8.5× FY 2025
EV/Sales 1.2×
FY 2016: 3.5×FY 2017: 3.9×FY 2018: 5.7×FY 2019: 5.4×FY 2020: 6.1×FY 2021: 2.9×FY 2022: 1.7×FY 2023: 1.5×FY 2024: 0.9×FY 2025: 1.2×
FY 2016 5y median 1.5× FY 2025
FCF Yield 0.5%
FY 2016: 2.5%FY 2017: 21.1%FY 2018: 1.7%FY 2019: 6.2%FY 2020: 12.6%FY 2021: 2.0%FY 2022: 1.9%FY 2023: 14.0%FY 2024: -13.1%FY 2025: 0.5%
FY 2016 5y median 1.9% FY 2025

Profitability

Gross Margin 27.5%
FY 2016: 40.9%FY 2017: 46.5%FY 2018: 54.3%FY 2019: 57.3%FY 2020: 60.7%FY 2021: 61.7%FY 2022: 37.8%FY 2023: 29.3%FY 2024: 34.0%FY 2025: 27.5%
FY 2016 5y median 34.0% FY 2025
Operating Margin 11.0%
FY 2016: 19.7%FY 2017: 19.5%FY 2018: 23.8%FY 2019: 29.5%FY 2020: 19.0%FY 2021: 32.9%FY 2022: 17.7%FY 2023: 9.8%FY 2024: 14.9%FY 2025: 11.0%
FY 2016 5y median 14.9% FY 2025
Net Margin 8.4%
FY 2016: 8.8%FY 2017: 12.0%FY 2018: 18.8%FY 2019: 21.7%FY 2020: 26.4%FY 2021: 20.6%FY 2022: 12.9%FY 2023: 7.8%FY 2024: 10.4%FY 2025: 8.4%
FY 2016 5y median 10.4% FY 2025
ROE 10.2%
FY 2016: 8.7%FY 2017: 10.3%FY 2018: 13.8%FY 2019: 17.0%FY 2020: 12.7%FY 2021: 14.7%FY 2022: 13.0%FY 2023: 8.3%FY 2024: 11.2%FY 2025: 10.2%
FY 2016 5y median 11.2% FY 2025
ROIC 2.3%
FY 2016: 2.2%FY 2017: 2.9%FY 2018: 3.4%FY 2019: 4.3%FY 2020: 2.2%FY 2021: 3.6%FY 2022: 3.1%FY 2023: 1.9%FY 2024: 2.5%FY 2025: 2.3%
FY 2016 5y median 2.5% FY 2025
ROA 1.0%
FY 2016: 1.2%FY 2017: 1.4%FY 2018: 1.7%FY 2019: 2.2%FY 2020: 1.4%FY 2021: 1.7%FY 2022: 1.4%FY 2023: 0.8%FY 2024: 1.1%FY 2025: 1.0%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 17.5%
FY 2016: 47.5%FY 2017: -10.8%FY 2018: -10.0%FY 2019: 12.8%FY 2020: -32.6%FY 2021: 48.1%FY 2022: 47.2%FY 2023: 9.4%FY 2024: 6.3%FY 2025: 17.5%
FY 2016 FY 2025
Operating Income -12.8%
FY 2016: 609.5%FY 2017: -11.4%FY 2018: 9.6%FY 2019: 40.0%FY 2020: -56.6%FY 2021: 156.1%FY 2022: -20.9%FY 2023: -39.1%FY 2024: 61.0%FY 2025: -12.8%
FY 2016 FY 2025
EPS (diluted) -4.6%
FY 2016: -25.0%FY 2017: 21.5%FY 2018: 48.7%FY 2019: 31.0%FY 2020: -18.2%FY 2021: 15.6%FY 2022: -8.7%FY 2023: -67.4%FY 2024: 40.3%FY 2025: -4.6%
FY 2016 FY 2025
Free Cash Flow 105.6%
FY 2016: 131.8%FY 2017: 830.8%FY 2018: -89.1%FY 2019: 306.8%FY 2020: 88.1%FY 2021: -89.0%FY 2022: -10.3%FY 2023: 735.0%FY 2024: -171.4%FY 2025: 105.6%
FY 2016 FY 2025

Financial Health

Current Ratio 0.3×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.3×FY 2024: 0.4×FY 2025: 0.3×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 0.3×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.3×FY 2024: 0.4×FY 2025: 0.3×
FY 2016 5y median 0.4× FY 2025
Debt / Equity 1.0×
FY 2016: 1.3×FY 2017: 0.9×FY 2018: 1.0×FY 2019: 0.9×FY 2020: 0.7×FY 2021: 0.9×FY 2022: 1.1×FY 2023: 1.2×FY 2024: 1.1×FY 2025: 1.0×
FY 2016 5y median 1.1× FY 2025
Net Debt / EBITDA -3.7×
FY 2016: 4.6×FY 2017: 3.6×FY 2018: 4.2×FY 2019: 2.6×FY 2020: -0.7×FY 2021: -0.1×FY 2022: -1.0×FY 2023: -4.0×FY 2024: -3.2×FY 2025: -3.7×
FY 2016 5y median -3.2× FY 2025
Interest Coverage 0.2×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.6×FY 2019: 0.8×FY 2020: 0.5×FY 2021: 0.9×FY 2022: 0.3×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025

Dividends

Dividend Yield 2.6%
FY 2016: 1.5%FY 2017: 2.5%FY 2018: 2.0%FY 2019: 2.0%FY 2020: 3.2%FY 2021: 4.4%FY 2022: 3.5%FY 2023: 2.3%FY 2024: 3.1%FY 2025: 2.6%
FY 2016 5y median 3.1% FY 2025
Payout Ratio 50.9%
FY 2016: 43.8%FY 2017: 63.3%FY 2018: 48.3%FY 2019: 42.4%FY 2020: 76.6%FY 2021: 63.8%FY 2022: 51.7%FY 2023: 57.7%FY 2024: 42.0%FY 2025: 50.9%
FY 2016 5y median 51.7% FY 2025

Annual · latest fiscal year ends 2025-12-31