Financial Services · Banks - Regional
Price
$5.04
Market Cap
$37.7B
Employees
55,303
Beta
0.19
Avg Volume
1,205,835
CEO
Mario Roberto Opice Leao
Banco Santander (Brasil) S.A., together with its affiliated entities, operates as a prominent financial institution delivering an extensive array of banking and financial services. Its diverse client base includes individuals, small and medium-sized enterprises (SMEs), and large corporate customers, both within Brazil and internationally. The company's operations are strategically divided into two primary segments: Commercial Banking and Global Wholesale Banking. Its core offerings encompass deposit accounts and various bank funding instruments, alongside a broad spectrum of payment solutions such as debit and credit cards, digital prepaid services, a robust payment platform, and loyalty programs. Santander Brasil also facilitates employee benefit vouchers, payroll loans, digital lending, and online debt renegotiation services. In the area of secured lending, it provides mortgages and home equity financing products, complementing general consumer credit options. For its business clients, the bank extends local and commercial loans, trade finance, guarantees, and sophisticated structured loans, in addition to comprehensive cash management and funding solutions, including on-lending transfer services. The institution's expertise also covers financial advisory for projects, the origination and distribution of fixed-income securities in debt capital markets, financing for acquisitions, syndicated loans, and other complex structured financing arrangements, including subordinated debt and initiatives focused on energy efficiency. Furthermore, it offers advisory services for mergers and acquisitions (M&A) and equity capital market (ECM) transactions, supported by stock brokerage, equity advisory, and in-depth equity research. Santander Brasil is also active in structuring and providing foreign exchange (FX), derivative, and diverse investment products tailored for institutional, corporate, and retail investors, alongside offering vital market-making services. The bank continues to innovate by delivering instant payment solutions, a specialized suite of products and services for the agribusiness sector, and microfinance services. Its digital footprint extends to online automotive listing platforms, digital car insurance solutions, and a sophisticated digital trading platform. Customers can access these financial products and services through an extensive multi-channel distribution network, which includes traditional branches, mini-branches, ATMs, call centers, and comprehensive internet and mobile banking platforms. Banco Santander (Brasil) S.A. was founded in 1985 and has its principal headquarters situated in São Paulo, Brazil.
Runs with full report
Price Overview
Last updated: Jul 9, 2026 5:53am (just now)
Current data · timestamped when a report runs
$5.04
Change · Jul 9
-0.06 (-1.18%)
Day Range
$5.00 – $5.09
52-Week Range
$4.62 – $7.32
50-Day MA
$5.44
200-Day MA
$5.92
Volume
1,845,718.00
Analyst Price Targets
Low
$7.20
Consensus
$7.20
High
$7.20
(1 analysts)
Share Structure
Outstanding
7,487,527,384.00
Float
744,784,571.00
Free Float
9.9%
Very low free float
— 9.9% of shares trade freely, ~90.1% held by insiders/institutions
Thinly traded — expect wider bid-ask spreads and sharp price swings on modest volume. Institutional investors may avoid due to liquidity constraints.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
14.78
Stock Price: $5.04
EPS (Diluted): 1.63
EPS (Diluted): 1.63
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
1.02
Stock Price: $5.04
Total Equity: $125.17B
Shares: 3,804,009,000
Total Equity: $125.17B
Shares: 3,804,009,000
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
1.11
Market Cap: $37.74B
Total Debt: $129.96B
Cash: $201.98B
EBITDA: $19.35B
Total Debt: $129.96B
Cash: $201.98B
EBITDA: $19.35B
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$55.3B
Market Cap: $37.74B
Total Debt: $129.96B
Cash: $201.98B
Total Debt: $129.96B
Cash: $201.98B
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
27.5%
Gross Profit: $41.70B
Revenue: $151.54B
Revenue: $151.54B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
11.0%
Operating Income: $16.73B
Revenue: $151.54B
Revenue: $151.54B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
8.4%
Net Income: $12.77B
Revenue: $151.54B
Revenue: $151.54B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
11.1%
Net Income: $12.77B
Total Equity: $125.17B
Total Equity: $125.17B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
4.0%
Operating Income: $16.73B
Tax Rate: 22.5%
Equity: $125.17B
Total Debt: $129.96B
Cash: $201.98B
Tax Rate: 22.5%
Equity: $125.17B
Total Debt: $129.96B
Cash: $201.98B
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
0.34
Current Assets: $273.19B
Current Liabilities: $800.04B
Current Liabilities: $800.04B
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
1.04
Short-Term Debt: $101.84B
Long-Term Debt: $28.11B
Total Debt: $129.96B
Total Equity: $125.17B
Long-Term Debt: $28.11B
Total Debt: $129.96B
Total Equity: $125.17B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$39.84
Revenue: $151.54B
Shares: 3,804,009,000
Shares: 3,804,009,000
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$32.91
Total Equity: $125.17B
Shares: 3,804,009,000
Shares: 3,804,009,000
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$0.35
Operating CF: $4.99B
CapEx: -$3.66B
Shares: 3,804,009,000
CapEx: -$3.66B
Shares: 3,804,009,000
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
5.1%
Last Dividend: N/A
Stock Price: $5.04
Stock Price: $5.04
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $12.77B
Net Income: $12.77B
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares BSBR against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jul 9, 2026 5:53am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $75.3B | $110.9B | $121.4B | $129.0B | $151.5B |
| Cost of Revenue | $28.8B | $68.9B | $85.8B | $85.1B | $109.8B |
| Gross Profit | $46.5B | $42.0B | $35.5B | $43.9B | $41.7B |
| Operating Expenses | $21.7B | $22.4B | $23.6B | $24.7B | $25.0B |
| Operating Income | $24.8B | $19.6B | $11.9B | $19.2B | $16.7B |
| Net Income | $15.5B | $14.3B | $9.4B | $13.4B | $12.8B |
| EBITDA | $27.2B | $22.2B | $14.7B | $21.9B | $19.4B |
| EPS | $2.08 | $1.92 | $0.62 | $0.87 | $1.63 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jul 9, 2026 5:53am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $101.6B | $149.6B | $194.0B | $204.9B | $202.0B |
| Total Current Assets | $274.2B | $290.9B | $254.3B | $298.2B | $273.2B |
| Total Assets | $931.2B | $985.5B | $1.1T | $1.2T | $1.3T |
| Current Liabilities | $497.8B | $529.2B | $738.0B | $813.2B | $800.0B |
| Long-Term Debt | $98.7B | $126.7B | $19.6B | $23.1B | $28.1B |
| Total Liabilities | $825.2B | $874.8B | $1.0T | $1.1T | $1.1T |
| Total Equity | $105.6B | $110.2B | $114.5B | $119.5B | $125.2B |
| Retained Earnings | $54.4B | $60.4B | $63.9B | $61.5B | $65.4B |
Cash Flow (Annual)
Last updated: Jul 9, 2026 5:53am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $6.8B | $6.8B | $36.6B | -$21.1B | $5.0B |
| Capital Expenditure | -$2.4B | -$2.9B | -$3.4B | -$2.6B | -$3.7B |
| Free Cash Flow | $4.4B | $4.0B | $33.3B | -$23.7B | $1.3B |
| Acquisitions (net) | -$13.7M | -$460.2M | -$5.1M | -$114.2M | -$7.5M |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | $0 | -$506.3M | $0 | $0 | $0 |
| Net Change in Cash | $4.2B | $16.9B | $39.9B | -$22.2B | $6.1B |
Analyst Estimates (Annual)
Last updated: Jul 9, 2026 5:53am (just now)| Metric | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|
| Revenue |
$85.6B $85.1B – $86.1B
|
$89.7B $89.7B – $89.8B
|
$96.9B $93.2B – $97.0B
|
$104.2B $100.2B – $106.8B
|
| EBITDA |
$16.8B $16.7B – $16.9B
|
$17.6B $17.6B – $17.6B
|
$19.0B $18.2B – $19.0B
|
$20.4B $19.6B – $20.9B
|
| Net Income |
$16.4B $16.2B – $16.6B
|
$17.4B $16.4B – $18.4B
|
$19.7B $18.9B – $20.5B
|
$21.7B $20.6B – $22.3B
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jul 9, 2026 5:53am (just now)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +47.2% | +9.4% | +6.3% | +17.5% |
| Gross Profit Growth | -9.8% | -15.3% | +23.6% | -5.1% |
| Operating Income Growth | -20.9% | -39.1% | +61.0% | -12.8% |
| Net Income Growth | -8.0% | -33.9% | +41.4% | -4.5% |
| EBITDA Growth | -18.5% | -33.8% | +49.5% | -11.7% |
Dividend History (Last 20)
Last updated: Jul 9, 2026 5:53am (just now)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-04-23 | $0.02 | 2026-04-13 | 2026-04-23 | 2026-05-18 |
| 2026-01-22 | $0.10 | 2026-01-12 | 2026-01-22 | 2026-02-18 |
| 2026-01-09 | $0.03 | 2025-12-30 | 2026-01-09 | 2026-02-17 |
| 2025-10-23 | $0.02 | 2025-10-13 | 2025-10-23 | 2025-11-17 |
| 2025-07-21 | $0.10 | 2025-07-11 | 2025-07-21 | 2025-08-18 |
| 2025-04-23 | $0.07 | 2025-04-11 | 2025-04-23 | 2025-05-19 |
| 2025-01-24 | $0.01 | 2025-01-13 | 2025-01-24 | 2025-02-24 |
| 2024-10-21 | $0.01 | 2024-10-11 | 2024-10-21 | 2024-11-18 |
| 2024-07-25 | $0.01 | 2024-07-15 | 2024-07-25 | 2024-08-19 |
| 2024-04-22 | $0.02 | 2024-04-11 | 2024-04-23 | 2024-05-22 |
| 2024-01-22 | $0.02 | 2024-01-12 | 2024-01-23 | 2024-02-20 |
| 2023-10-20 | $0.02 | 2023-10-11 | 2023-10-23 | 2023-11-20 |
| 2023-07-21 | $0.02 | 2023-07-14 | 2023-07-24 | 2023-08-23 |
| 2023-04-25 | $0.02 | 2023-04-14 | 2023-04-26 | 2023-05-22 |
| 2023-01-27 | $0.02 | 2023-01-20 | 2023-01-30 | 2023-03-13 |
| 2022-10-24 | $0.02 | 2022-10-14 | 2022-10-25 | 2022-11-30 |
| 2022-08-15 | $0.09 | 2022-08-08 | 2022-08-16 | 2022-09-13 |
| 2022-04-22 | $0.02 | 2022-04-15 | 2022-04-25 | 2022-05-23 |
| 2022-02-11 | $0.03 | 2022-02-03 | 2022-02-14 | 2022-03-11 |
| 2022-01-10 | $0.00 | 2021-12-29 | 2022-01-11 | 2022-02-10 |
Insider Trading (Recent)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-07-01 | Finkelsztain Gilson | 0.00 | $0.00 | $0 | |
| 2026-06-16 | Leao Mario Roberto Opice | P-Purchase | 276,851.00 | $5.38 | $1.5M |
| 2026-06-16 | Leao Mario Roberto Opice | S-Sale | 276,851.00 | $5.38 | $1.5M |
| 2026-06-11 | Leao Mario Roberto Opice | S-Sale | 148,400.00 | $5.20 | $771,680 |
| 2026-06-11 | Leao Mario Roberto Opice | P-Purchase | 148,400.00 | $5.20 | $771,680 |
| 2026-06-09 | Ohtsuki Vitor | S-Sale | 1,833.00 | $5.27 | $9,660 |
| 2026-06-08 | Leao Mario Roberto Opice | S-Sale | 75,000.00 | $5.21 | $390,750 |
| 2026-06-08 | Leao Mario Roberto Opice | P-Purchase | 75,000.00 | $5.21 | $390,750 |
| 2026-05-20 | Garrido Eduardo Alvarez | S-Sale | 7,500.00 | $5.43 | $40,725 |
| 2026-05-07 | Blanch Carlos Ignacio Muniz Gonzalez | 0.00 | $0.00 | $0 | |
| 2026-05-07 | Egan Christian George | 0.00 | $0.00 | $0 | |
| 2026-05-07 | Alique Pablo Agote | 0.00 | $0.00 | $0 | |
| 2026-03-26 | Garrido Eduardo Alvarez | S-Sale | 16,500.00 | $5.95 | $98,175 |
| 2026-03-19 | Vescovi Ana Paula Vitali Janes | S-Sale | 38,000.00 | $5.79 | $220,020 |
| 2026-03-24 | Araujo Alexandre Teixeira de | S-Sale | 20,156.00 | $5.94 | $119,727 |
| 2026-03-19 | Soares Alexandre Guimaraes | S-Sale | 35,443.00 | $5.92 | $209,823 |
| 2026-03-24 | de Abreu Germanuela de Almeida | S-Sale | 55,000.00 | $5.92 | $325,600 |
| 2026-03-19 | Kambourakis Jean Paulo | S-Sale | 36,721.00 | $5.89 | $216,287 |
| 2026-03-19 | Janikian Cezar Augusto | S-Sale | 17,000.00 | $5.87 | $99,790 |
| 2026-03-24 | Ishii Michele Soares | S-Sale | 12,000.00 | $5.95 | $71,400 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for BSBR — it's generated by the pipeline (
market-narrative step).
No community reviews yet for BSBR.
Be the first — hit How to Contribute, have any AI review this page, and paste its take back here.
My Notes
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.393 · 6a8d9cc1 · 2026-07-08 21:32:56