← Back to Screener
ScreenerNewsCompareWatchlist
VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener
ScreenerThemesNewsCompareWatchlist
AnalyzeValuationTotal ReturnDCA CalculatorInsider Activity

BSBR logoBanco Santander (Brasil) S.A.(BSBR)Earnings, Financials & Key Ratios

BSBR•NYSE•Banking & Credit
$5.98
$44.79B mkt cap·18.1× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryNon-US regional and universal banks
AboutBanco 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. The company operates in two segments, Commercial Banking and Global Wholesale Banking. It offers deposits and other bank funding instruments; debit and credit cards; digital prepaid solutions; payment platform; loyalty programs; employee benefit vouchers; payroll loans; digital lending and online debt renegotiation services; mortgages; home equity financing products; consumer credit; and local loans, commercial and trade finance, guarantees, structured loans, and cash management and funding solutions, as well as on-lending transfer services. It also provides funding and financial advisory services related to projects, origination and distribution of fixed-income securities in the debt capital markets, financing of acquisitions and syndicated loans, other structured financing arrangements, and subordinated debt and energy efficiency transactions; advisory services for mergers and acquisitions, and equity capital markets transactions; and stock brokerage and advisory, equity, and equity research services. In addition, the company structures and offers foreign exchange, derivative, and investment products for institutional investors, and corporate and retail customers; and provides market making services. Further, it offers instant payment services; range of products and services focused on the agribusiness sector; microfinance services; and online automotive listing and digital car insurance solutions, as well as digital trading platform. Additionally, it provides its financial services and products to its customers through multichannel distribution network comprising branches, mini-branches, ATMs, call centers, Internet banking, and mobile banking. Banco Santander (Brasil) S.A. was incorporated in 1985 and is headquartered in São Paulo, Brazil.Show more
  • Net Interest Income$57.63B+1.7%
  • Total Revenue$151.54B+17.5%
  • Net Income$12.77B-4.5%
  • Return on Equity10.36%-9.0%
  • Net Interest Margin4.54%-0.8%
  • Efficiency Ratio16.48%-14.0%
  • ROA1.02%-10.4%
  • Equity / Assets9.96%+3.0%
  • Book Value per Share33.27+107.1%
  • Tangible BV/Share24.53+110.4%
  • Debt/Equity1.03-9.1%
Analysis→Technical→

BSBR Key Insights

Banco Santander (Brasil) S.A. (BSBR) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong NIM of 4.5%
  • ✓Efficient operations: 16.5% efficiency ratio
  • ✓Healthy dividend yield of 5.8%
  • ✓Share count reduced 49.0% through buybacks
  • ✓Trading at only 0.9x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

BSBR Price & Volume

Banco Santander (Brasil) S.A. (BSBR) stock price & volume — 10-year historical chart

Loading chart...

BSBR Growth Metrics

Banco Santander (Brasil) S.A. (BSBR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years10.37%
5 Years24.39%
3 Years10.97%
TTM-

Profit CAGR

10 Years2.7%
5 Years-0.99%
3 Years-3.68%
TTM-5.08%

EPS CAGR

10 Years2.77%
5 Years-1.96%
3 Years-4.98%
TTM-44.83%

Return on Capital

10 Years4%
5 Years3.55%
3 Years2.58%
Last Year3.71%

BSBR Recent Earnings

Banco Santander (Brasil) S.A. (BSBR) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 4/12 qtrs (33%)●Beat Revenue 10/12 qtrs (83%)
Q2 2026Latest
Apr 29, 2026
EPS
$0.20
Est $0.21
-6.1%
Revenue
$4.3B
Est $4.3B
-0.8%
Q1 2026
Feb 4, 2026
EPS
$0.21
Est $0.20
+7.0%
Revenue
$4.0B
Est $4.1B
-1.4%
Q4 2025
Oct 27, 2025
EPS
$0.50
Est $0.18
+180.9%
Revenue
$19.0B
Est $4.0B
+374.4%
Q3 2025
Jul 30, 2025
EPS
$0.26
Est $0.18
+45.2%
Revenue
$8.9B
Est $3.9B
+126.1%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 29, 2026
$0.20vs $0.21-6.1%
$4.3Bvs $4.3B-0.8%
Q1 2026Feb 4, 2026
$0.21vs $0.20+7.0%
$4.0Bvs $4.1B-1.4%
Q4 2025Oct 27, 2025
$0.50vs $0.18+180.9%
$19.0Bvs $4.0B+374.4%
Q3 2025Jul 30, 2025
$0.26vs $0.18+45.2%
$8.9Bvs $3.9B+126.1%
Based on last 12 quarters of dataView full earnings history →

BSBR Peer Comparison

Banco Santander (Brasil) S.A. (BSBR) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
ITUB logoITUBItaú Unibanco Holding S.A.Direct Competitor93.13B8.4510.6218.03%20.64%4.71
BBD logoBBDBanco Bradesco S.A.Direct Competitor40.84B3.868.7037.11%13.25%4.46
SAN logoSANBanco Santander, S.A.Direct Competitor182.01B12.4012.14-7.71%12.76%4.40
BBAR logoBBARBanco BBVA Argentina S.A.Direct Competitor3.19B15.6212.59-31.12%9.12%0.13
BMA logoBMABanco Macro S.A.Direct Competitor4.84B76.9721.07-33.31%6.12%0.11
GGAL logoGGALGrupo Financiero Galicia S.A.Product Competitor5.76B43.445.10-23.52%12.91%0.36
SUPV logoSUPVGrupo Supervielle S.A.Product Competitor765.15M8.74-18.6513.71%-5.24%1.04
BAP logoBAPCredicorp Ltd.Product Competitor25.92B326.5516.486.4%17.35%1.07

Compare BSBR vs Peers

Banco Santander (Brasil) S.A. (BSBR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs ITUB

Most directly comparable listed peer for BSBR.

Scale Benchmark

vs V

Larger-name benchmark to compare BSBR against a more recognizable public peer.

Peer Set

Compare Top 5

vs ITUB, BBD, SAN, BBAR

BSBR Income Statement

Banco Santander (Brasil) S.A. (BSBR) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income34.95B41.92B44.32B44.44B51.32B47.5B46.88B56.68B57.63B
NII Growth %14.25%19.96%5.72%0.27%15.47%-7.43%-1.3%20.89%1.69%
Net Interest Margin %5.41%5.79%5.83%4.76%5.51%4.82%4.2%4.58%4.54%
Interest Income71.42B70.48B72.84B62.77B77.99B115.23B128.28B137.18B162.49B
Interest Expense36.47B28.56B28.52B18.33B26.67B67.72B81.4B80.5B104.86B
Loan Loss Provision3.31B2B3.68B1.66B2.18B1.22B4.42B4.6B4.98B
Non-Interest Income2.94B-3.58B2.63B-11.89B-2.64B-4.33B-6.92B-8.16B-10.95B
Non-Interest Income %3.95%-5.35%3.48%-23.37%-3.51%-3.9%-5.7%-6.32%-7.23%
Total Revenue
74.36B▲ 0%
66.9B▼ 10.0%
75.47B▲ 12.8%
50.88B▼ 32.6%
75.34B▲ 48.1%
110.9B▲ 47.2%
121.36B▲ 9.4%
129.02B▲ 6.3%
151.54B▲ 17.5%
Revenue Growth %-10.8%-10.03%12.81%-32.57%48.07%47.19%9.44%6.31%17.45%
Non-Interest Expense20.06B20.43B20.99B21.23B21.74B22.38B23.62B24.73B24.97B
Efficiency Ratio26.98%30.54%27.82%41.73%28.86%20.18%19.46%19.17%16.48%
Operating Income
14.51B▲ 0%
15.91B▲ 9.6%
22.27B▲ 40.0%
9.66B▼ 56.6%
24.75B▲ 156.1%
19.57B▼ 20.9%
11.92B▼ 39.1%
19.19B▲ 61.0%
16.73B▼ 12.8%
Operating Margin %19.52%23.78%29.51%18.99%32.85%17.65%9.82%14.87%11.04%
Operating Income Growth %-11.42%9.62%40%-56.61%156.11%-20.91%-39.1%60.97%-12.83%
Pretax Income
14.51B▲ 0%
15.91B▲ 9.6%
22.27B▲ 40.0%
9.66B▼ 56.6%
24.75B▲ 156.1%
19.57B▼ 20.9%
11.92B▼ 39.1%
19.19B▲ 61.0%
16.73B▼ 12.8%
Pretax Margin %19.52%23.78%29.51%18.99%32.85%17.65%9.82%14.87%11.04%
Income Tax5.38B3.11B5.64B-3.79B9.19B5.24B2.42B5.78B3.76B
Effective Tax Rate %37.04%19.55%25.33%-39.18%37.13%26.74%20.32%30.1%22.5%
Net Income
8.92B▲ 0%
12.58B▲ 41.0%
16.41B▲ 30.4%
13.42B▼ 18.2%
15.53B▲ 15.7%
14.29B▼ 8.0%
9.45B▼ 33.9%
13.37B▲ 41.4%
12.77B▼ 4.5%
Net Margin %12%18.81%21.74%26.37%20.61%12.88%7.79%10.36%8.42%
Net Income Growth %21.67%40.99%30.4%-18.21%15.72%-7.99%-33.86%41.44%-4.49%
Net Income (Continuing)9.14B12.8B16.63B13.45B15.56B14.34B9.5B13.41B12.97B
EPS (Diluted)
1.13▲ 0%
1.68▲ 48.7%
2.20▲ 31.0%
1.80▼ 18.2%
2.08▲ 15.6%
1.90▼ 8.7%
0.62▼ 67.4%
0.87▲ 40.3%
1.63▲ 87.4%
EPS Growth %21.51%48.67%30.95%-18.18%15.56%-8.65%-67.37%40.32%87.36%
EPS (Basic)1.131.682.201.802.081.920.620.871.63
Diluted Shares Outstanding7.51B7.49B7.47B7.46B7.47B7.51B7.45B7.46B3.8B

BSBR Balance Sheet

Banco Santander (Brasil) S.A. (BSBR) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments106.47B104.9B116.25B188.67B202.81B205.07B253.04B296.96B271.43B
Cash & Due from Banks20.64B19.46B20.13B78.93B101.57B149.64B193.99B204.88B201.98B
Short Term Investments85.82B85.44B96.12B109.74B101.24B55.43B59.05B92.08B69.45B
Total Investments468.67B562.57B606.05B670.22B671.69B656.46B308.51B382.88B955.8B
Investments Growth %15.4%20.04%7.73%10.59%0.22%-2.27%-53%24.1%149.63%
Long-Term Investments382.85B477.14B509.93B560.48B570.45B601.04B249.46B290.8B886.35B
Accounts Receivables000000000
Goodwill & Intangibles30.2B31.69B32.52B32.64B30.79B31.6B32.38B32.83B33.23B
Goodwill28.36B28.38B28.38B28.36B27.92B27.89B27.85B27.89B27.84B
Intangible Assets1.84B3.31B4.15B4.28B2.87B3.71B4.52B4.93B5.38B
PP&E (Net)6.51B6.59B9.78B9.54B8.78B8.19B7.09B6.02B5.05B
Other Assets87.18B69.73B55.85B96.2B70.86B85.13B-288.92B545.78B21.36B
Total Current Assets114.19B111.03B122.24B196.74B212.69B220.88B283.14B315.14B273.19B
Total Non-Current Assets531.52B612.83B638.38B736.84B718.52B764.57B1.34T923.65B996.84B
Total Assets
645.7B▲ 0%
723.87B▲ 12.1%
760.61B▲ 5.1%
933.58B▲ 22.7%
931.21B▼ 0.3%
985.45B▲ 5.8%
1.12T▲ 13.2%
1.24T▲ 11.0%
1.27T▲ 2.5%
Asset Growth %1.78%12.1%5.08%22.74%-0.25%5.83%13.21%11.04%2.52%
Return on Assets (ROA)1.39%1.84%2.21%1.58%1.67%1.49%0.9%1.14%1.02%
Accounts Payable000000000
Total Debt79.2B94.29B83.88B70B98.68B126.66B144.02B135.37B129.96B
Net Debt58.56B74.83B63.75B-8.93B-2.89B-22.98B-49.97B-69.51B-72.03B
Long-Term Debt79.2B94.29B83.88B70B98.68B126.66B144.02B23.14B28.11B
Short-Term Debt0000000112.23B101.84B
Other Liabilities148.51B192.91B203.28B249.17B232.48B219.42B847.73B283.07B310.74B
Total Current Liabilities328.4B342.03B370.71B503.78B491.85B525.05B9.07B807.08B800.04B
Total Non-Current Liabilities230.21B290.24B292.7B323.71B333.38B349.72B995.45B311.89B343.44B
Total Liabilities558.62B632.27B663.4B827.49B825.23B874.77B1T1.12T1.14T
Total Equity
87.09B▲ 0%
91.6B▲ 5.2%
97.21B▲ 6.1%
106.09B▲ 9.1%
105.97B▼ 0.1%
110.68B▲ 4.4%
114.86B▲ 3.8%
119.83B▲ 4.3%
126.55B▲ 5.6%
Equity Growth %2.68%5.18%6.13%9.14%-0.11%4.44%3.77%4.33%5.61%
Equity / Assets (Capital Ratio)13.49%12.65%12.78%11.36%11.38%11.23%10.29%9.67%9.96%
Return on Equity (ROE)10.38%14.08%17.38%13.2%14.64%13.19%8.38%11.39%10.36%
Book Value per Share11.5912.2313.0214.2114.1914.7315.4116.0633.27
Tangible BV per Share7.578.008.669.8410.0710.5311.0711.6624.53
Common Stock57B57B57B57B55B55B55B65B65B
Additional Paid-in Capital57B00000000
Retained Earnings8.92B12.58B16.41B13.42B54.39B60.44B63.92B61.45B65.37B
Accumulated OCI21.89B22.96B23.99B36.15B-3.03B-4.04B-3.36B-6.08B-4.48B
Treasury Stock-148.44M-461.43M-681.13M-791.36M-713.04M-1.22B-1.11B-884.71M-719.56M
Preferred Stock000000000

BSBR Cash Flow Statement

Banco Santander (Brasil) S.A. (BSBR) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations50.29B8.28B24.87B42.32B6.81B6.85B36.61B-21.13B4.99B
Operating CF Growth %645.21%-83.54%200.48%70.14%-83.91%0.59%434.75%-157.71%123.62%
Net Income9.14B12.8B16.63B13.45B15.56B14.34B9.45B13.41B12.97B
Depreciation & Amortization1.66B1.74B2.39B2.58B2.43B2.59B2.74B2.73B2.63B
Deferred Taxes-617.23M-1.82B-3.09B-8.35B2.05B-748.91M-6.11B-1.26B-4.8B
Other Non-Cash Items12.69B11.17B10.06B-26.76B-22.91B42.86B3.45B-5.83B9.75B
Working Capital Changes27.42B-15.62B-1.11B61.4B9.68B-52.19B27.04B-30.18B-15.55B
Cash from Investing-1.45B-2.36B-2.51B-1.16B-1.93B-2.71B-2.58B-2.02B-3.32B
Purchase of Investments-34.15M-36.05M0000000
Sale/Maturity of Investments000000000
Net Investment Activity-34.15M-36.05M0000000
Acquisitions-275.09M-111.22M-746K-13.57M-13.75M-460.25M-5.05M-114.21M-7.5M
Other Investing-37.35M-818.5M-587.81M86.4M-750.17M-1.12B-1.13B-1.05B-1.88B
Cash from Financing-44.3B-3.3B-26.2B-34.15B-658.51M12.75B5.82B930.18M4.4B
Dividends Paid-5.65B-6.08B-6.95B-10.28B-9.91B-7.39B-5.45B-5.62B-6.5B
Share Repurchases-378.78M-312.31M-219.7M-110.22M0-506.28M000
Stock Issued000078.32M0112.53M0165.15M
Net Stock Activity-378.78M-312.31M-219.7M-110.22M78.32M-506.28M112.53M0165.15M
Debt Issuance (Net)-1000K-1000K-1000K-1000K1000K1000K1000K1000K1000K
Other Financing-37.64B4.31B85.73M6.84M-893.89M-774.31M-848.19M6.26B8.37B
Net Change in Cash
4.54B▲ 0%
2.61B▼ 42.4%
-3.84B▼ 246.9%
7B▲ 282.3%
4.22B▼ 39.7%
16.9B▲ 300.2%
39.85B▲ 135.9%
-22.22B▼ 155.7%
6.07B▲ 127.3%
Exchange Rate Effect00-99K000000
Cash at Beginning18.13B22.67B25.29B21.44B28.45B32.67B49.57B89.42B67.2B
Cash at End22.67B25.29B21.44B28.45B32.67B49.57B89.42B67.2B73.27B
Interest Paid37.95B29.8B0000000
Income Taxes Paid000000000
Free Cash Flow
48.45B▲ 0%
5.27B▼ 89.1%
21.43B▲ 306.8%
40.31B▲ 88.1%
4.44B▼ 89.0%
3.98B▼ 10.3%
33.26B▲ 735.0%
-23.74B▼ 171.4%
1.34B▲ 105.6%
FCF Growth %830.78%-89.13%306.83%88.14%-88.98%-10.32%735.02%-171.38%105.63%

BSBR Banking Ratios

Banco Santander (Brasil) S.A. (BSBR) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)8.91%10.38%14.08%17.38%13.2%14.64%13.19%8.38%11.39%10.36%
Return on Assets (ROA)1.18%1.39%1.84%2.21%1.58%1.67%1.49%0.9%1.14%1.02%
Net Interest Margin4.82%5.41%5.79%5.83%4.76%5.51%4.82%4.2%4.58%4.54%
Efficiency Ratio21.23%26.98%30.54%27.82%41.73%28.86%20.18%19.46%19.17%16.48%
Equity / Assets13.37%13.49%12.65%12.78%11.36%11.38%11.23%10.29%9.67%9.96%
Book Value / Share11.2711.5912.2313.0214.2114.1914.7315.4116.0633.27
NII Growth-2.4%14.25%19.96%5.72%0.27%15.47%-7.43%-1.3%20.89%1.69%
Dividend Payout43.78%63.34%48.29%42.38%76.61%63.8%51.75%57.68%42.04%50.89%

BSBR Frequently Asked Questions

Banco Santander (Brasil) S.A. (BSBR) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Banco Santander (Brasil) S.A. (BSBR) grew revenue by 17.5% over the past year. This is strong growth.

Yes, Banco Santander (Brasil) S.A. (BSBR) is profitable, generating $12.69B in net income for fiscal year 2025 (8.4% net margin).

Dividend & Returns

Yes, Banco Santander (Brasil) S.A. (BSBR) pays a dividend with a yield of 5.78%. This makes it attractive for income-focused investors.

Banco Santander (Brasil) S.A. (BSBR) has a return on equity (ROE) of 10.4%. This is reasonable for most industries.

Industry Metrics

Banco Santander (Brasil) S.A. (BSBR) has a net interest margin (NIM) of 4.5%. This indicates healthy earnings from lending activities.

Banco Santander (Brasil) S.A. (BSBR) has an efficiency ratio of 16.5%. This is excellent, indicating strong cost control.

Explore More BSBR

Banco Santander (Brasil) S.A. (BSBR) financial analysis — history, returns, DCA and operating performance tools

Full BSBR Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

→

Total Return Calculator

Historical returns with dividends reinvested

→

DCA Calculator

Dollar cost averaging vs lump sum

→

Dividend History

Yield, growth, payout safety & DRIP

→

Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Verify deeply. Act with conviction.

Patterns find ideas. Fundamentals build conviction.

Data updated daily

Quick Links

  • Home
  • Screener
  • Themes
  • Market Valuation
  • Valuation
  • Compare
  • Total Return
  • DCA Calculator
  • News
  • Insights
  • Methodology
  • How It Works
  • Profile

Popular Screens

  • VCP Hot
  • VCP Warm
  • Value Screens
  • Growth Screens
  • Momentum Screens
  • Technical Screens
  • Quality Screens

Community

  • Follow @VCPScanner on X

Get weekly stock ideas — free

© 2026 VCP Scanner. All rights reserved.
About·Privacy Policy·Terms of Service
Not financial advice. Do your own research.