BSBR
Banco Santander (Brasil) S.A.
Banks - Regional
Market Cap$44.79B
5Y Perf.+32.9%
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Stock Comparison
BSBR vs V
Revenue, margins, valuation, and 5-year total return — side by side.
V
Visa Inc.
Financial - Credit Services
Market Cap$611.60B
5Y Perf.+63.3%
BSBR vs V — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | BSBR | V |
|---|---|---|
| Industry | Banks - Regional | Financial - Credit Services |
| Market Cap | $44.79B | $611.60B |
| Revenue (TTM) | $151.54B | $40.00B |
| Net Income (TTM) | $12.69B | $22.24B |
| Gross Margin | 27.5% | 80.4% |
| Operating Margin | 11.0% | 60.0% |
| Forward P/E | 6.7x | 24.4x |
| Total Debt | $129.96B | $25.17B |
| Cash & Equiv. | $201.98B | $20.15B |
BSBR vs V — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
BSBR
V
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Banco Santander (Br… (BSBR) | 100 | 132.9 | +32.9% |
| Visa Inc. (V) | 100 | 163.3 | +63.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: BSBR vs V
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: BSBR leads in 6 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Visa Inc. is the stronger pick specifically for capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
BSBR
Banco Santander (Brasil) S.A.
The Banking Pick
BSBR carries the broadest edge in this set and is the clearest fit for growth exposure.
- Rev growth 17.5%, EPS growth 87.4%
- 17.5% NII/revenue growth vs V's 11.3%
- Lower P/E (6.7x vs 24.4x)
Best for: growth exposure
V
Visa Inc.
The Banking Pick
V is the clearest fit if your priority is income & stability and long-term compounding.
- Dividend streak 15 yrs, beta 0.68, yield 0.7%
- 328.6% 10Y total return vs BSBR's 105.9%
- Lower volatility, beta 0.68, Low D/E 66.4%, current ratio 1.08x
Best for: income & stability and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | BSBR | 17.5% NII/revenue growth vs V's 11.3% |
| Value | BSBR | Lower P/E (6.7x vs 24.4x) |
| Quality / Margins | BSBR | Efficiency ratio 0.2% vs V's 0.2% (lower = leaner) |
| Stability / Safety | V | Beta 0.68 vs BSBR's 1.11, lower leverage |
| Dividends | BSBR | 5.8% yield, 2-year raise streak, vs V's 0.7% |
| Momentum (1Y) | BSBR | +26.7% vs V's -7.6% |
| Efficiency (ROA) | BSBR | Efficiency ratio 0.2% vs V's 0.2% |
BSBR vs V — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
BSBR vs V — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLVLAGGINGBSBR
BSBRBanco Santander (Bras…
1leads
VVisa Inc.
4leads
6 Total Categories
CATEGORYLEADERvs BSBRMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
V5/5
Valuation MetricsMultiples, price ratios, and targets
BSBR5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
V7/8
Total Returns1Y, 3Y, 5Y total returns with dividends
V4/6
Risk & VolatilityBeta, volatility, and downside exposure
V2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
V leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
BSBR is the larger business by revenue, generating $151.5B annually — 3.8x V's $40.0B. V is the more profitable business, keeping 50.1% of every revenue dollar as net income compared to BSBR's 8.4%.
| Metric | BSBRBanco Santander (… | VVisa Inc. |
|---|---|---|
| RevenueTrailing 12 months | $151.5B | $40.0B |
| EBITDAEarnings before interest/tax | $18.5B | $27.6B |
| Net IncomeAfter-tax profit | $12.7B | $22.2B |
| Free Cash FlowCash after capex | $5.5B | $21.2B |
| Gross MarginGross profit ÷ Revenue | +27.5% | +80.4% |
| Operating MarginEBIT ÷ Revenue | +11.0% | +60.0% |
| Net MarginNet income ÷ Revenue | +8.4% | +50.1% |
| FCF MarginFCF ÷ Revenue | +0.9% | +53.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -37.3% | +35.3% |
V leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
BSBR leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 18.1x trailing earnings, BSBR trades at a 42% valuation discount to V's 31.3x P/E. On an enterprise value basis, BSBR's 7.7x EV/EBITDA is more attractive than V's 24.5x.
| Metric | BSBRBanco Santander (… | VVisa Inc. |
|---|---|---|
| Market CapShares × price | $44.8B | $611.6B |
| Enterprise ValueMkt cap + debt − cash | $30.2B | $616.6B |
| Trailing P/EPrice ÷ TTM EPS | 18.12x | 31.25x |
| Forward P/EPrice ÷ next-FY EPS est. | 6.69x | 24.40x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.97x |
| EV / EBITDAEnterprise value multiple | 7.71x | 24.46x |
| Price / SalesMarket cap ÷ Revenue | 1.46x | 15.29x |
| Price / BookPrice ÷ Book value/share | 0.89x | 16.53x |
| Price / FCFMarket cap ÷ FCF | 165.52x | 28.35x |
BSBR leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
V leads this category, winning 7 of 8 comparable metrics.
Profitability & Efficiency
V delivers a 58.9% return on equity — every $100 of shareholder capital generates $59 in annual profit, vs $10 for BSBR. V carries lower financial leverage with a 0.66x debt-to-equity ratio, signaling a more conservative balance sheet compared to BSBR's 1.03x.
| Metric | BSBRBanco Santander (… | VVisa Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +10.2% | +58.9% |
| ROA (TTM)Return on assets | +1.0% | +22.7% |
| ROICReturn on invested capital | +4.9% | +29.2% |
| ROCEReturn on capital employed | +3.7% | +36.2% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 5 |
| Debt / EquityFinancial leverage | 1.03x | 0.66x |
| Net DebtTotal debt minus cash | -$72.0B | $5.0B |
| Cash & Equiv.Liquid assets | $202.0B | $20.2B |
| Total DebtShort + long-term debt | $130.0B | $25.2B |
| Interest CoverageEBIT ÷ Interest expense | 0.16x | 26.72x |
V leads this category, winning 7 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
V leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in V five years ago would be worth $14,202 today (with dividends reinvested), compared to $11,321 for BSBR. Over the past 12 months, BSBR leads with a +26.7% total return vs V's -7.6%. The 3-year compound annual growth rate (CAGR) favors V at 11.9% vs BSBR's 6.9% — a key indicator of consistent wealth creation.
| Metric | BSBRBanco Santander (… | VVisa Inc. |
|---|---|---|
| YTD ReturnYear-to-date | -0.4% | -7.8% |
| 1-Year ReturnPast 12 months | +26.7% | -7.6% |
| 3-Year ReturnCumulative with dividends | +22.2% | +40.2% |
| 5-Year ReturnCumulative with dividends | +13.2% | +42.0% |
| 10-Year ReturnCumulative with dividends | +105.9% | +328.6% |
| CAGR (3Y)Annualised 3-year return | +6.9% | +11.9% |
V leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
V leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
V is the less volatile stock with a 0.68 beta — it tends to amplify market swings less than BSBR's 1.11 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. V currently trades 84.9% from its 52-week high vs BSBR's 81.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | BSBRBanco Santander (… | VVisa Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.11x | 0.68x |
| 52-Week HighHighest price in past year | $7.32 | $375.51 |
| 52-Week LowLowest price in past year | $4.62 | $293.89 |
| % of 52W HighCurrent price vs 52-week peak | +81.7% | +84.9% |
| RSI (14)Momentum oscillator 0–100 | 42.0 | 56.8 |
| Avg Volume (50D)Average daily shares traded | 964K | 7.0M |
V leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — BSBR and V each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates BSBR as "Buy" and V as "Buy". Consensus price targets imply 20.4% upside for BSBR (target: $7) vs 13.7% for V (target: $362). For income investors, BSBR offers the higher dividend yield at 5.78% vs V's 0.74%.
| Metric | BSBRBanco Santander (… | VVisa Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $7.20 | $362.45 |
| # AnalystsCovering analysts | 11 | 61 |
| Dividend YieldAnnual dividend ÷ price | +5.8% | +0.7% |
| Dividend StreakConsecutive years of raises | 2 | 15 |
| Dividend / ShareAnnual DPS | $1.71 | $2.36 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +2.2% |
Evenly matched — BSBR and V each lead in 1 of 2 comparable metrics.
Key Takeaway
V leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). BSBR leads in 1 (Valuation Metrics). 1 tied.
Best OverallVisa Inc. (V)Leads 4 of 6 categories
Loading custom metrics...
BSBR vs V: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is BSBR or V a better buy right now?
For growth investors, Banco Santander (Brasil) S.
A. (BSBR) is the stronger pick with 17. 5% revenue growth year-over-year, versus 11. 3% for Visa Inc. (V). Banco Santander (Brasil) S. A. (BSBR) offers the better valuation at 18. 1x trailing P/E (6. 7x forward), making it the more compelling value choice. Analysts rate Banco Santander (Brasil) S. A. (BSBR) a "Buy" — based on 11 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — BSBR or V?
On trailing P/E, Banco Santander (Brasil) S.
A. (BSBR) is the cheapest at 18. 1x versus Visa Inc. at 31. 3x. On forward P/E, Banco Santander (Brasil) S. A. is actually cheaper at 6. 7x.
03Which is the better long-term investment — BSBR or V?
Over the past 5 years, Visa Inc.
(V) delivered a total return of +42. 0%, compared to +13. 2% for Banco Santander (Brasil) S. A. (BSBR). Over 10 years, the gap is even starker: V returned +328. 6% versus BSBR's +105. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — BSBR or V?
By beta (market sensitivity over 5 years), Visa Inc.
(V) is the lower-risk stock at 0. 68β versus Banco Santander (Brasil) S. A. 's 1. 11β — meaning BSBR is approximately 64% more volatile than V relative to the S&P 500. On balance sheet safety, Visa Inc. (V) carries a lower debt/equity ratio of 66% versus 103% for Banco Santander (Brasil) S. A. — giving it more financial flexibility in a downturn.
05Which is growing faster — BSBR or V?
By revenue growth (latest reported year), Banco Santander (Brasil) S.
A. (BSBR) is pulling ahead at 17. 5% versus 11. 3% for Visa Inc. (V). On earnings-per-share growth, the picture is similar: Banco Santander (Brasil) S. A. grew EPS 87. 4% year-over-year, compared to 4. 8% for Visa Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — BSBR or V?
Visa Inc.
(V) is the more profitable company, earning 50. 1% net margin versus 8. 4% for Banco Santander (Brasil) S. A. — meaning it keeps 50. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: V leads at 60. 0% versus 11. 0% for BSBR. At the gross margin level — before operating expenses — V leads at 80. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is BSBR or V more undervalued right now?
On forward earnings alone, Banco Santander (Brasil) S.
A. (BSBR) trades at 6. 7x forward P/E versus 24. 4x for Visa Inc. — 17. 7x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BSBR: 20. 4% to $7. 20.
08Which pays a better dividend — BSBR or V?
All stocks in this comparison pay dividends.
Banco Santander (Brasil) S. A. (BSBR) offers the highest yield at 5. 8%, versus 0. 7% for Visa Inc. (V).
09Is BSBR or V better for a retirement portfolio?
For long-horizon retirement investors, Visa Inc.
(V) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 68), 0. 7% yield, +328. 6% 10Y return). Both have compounded well over 10 years (V: +328. 6%, BSBR: +105. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between BSBR and V?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: BSBR is a mid-cap high-growth stock; V is a large-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(BSBR: 17.5% · V: 11.3%)Net Margin>
%
(BSBR: 8.4% · V: 50.1%)P/E Ratio<
x
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