Banco Santander (Brasil) S.A. (BSBR) Stock Analysis | Financial Data & Charts

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📊 Valuation

Key valuation metrics

EV/EBITDA (TTM)

Enterprise Value, EBITDA and Ratio

EV/EBIT (TTM)

Enterprise Value, EBIT and Ratio

P/E Ratio (TTM)

Market Cap, Net Income and Ratio

P/B Ratio (Quarterly)

Market Cap, Book Value and Ratio

P/TBV - Price to Tangible Book Value (Quarterly)

Market Cap, Tangible Book Value and Ratio

Price / OCF (TTM)

Market Cap, Operating Cash Flow and Ratio

📈 Growth

Revenue, earnings, and per-share growth metrics

Revenue (Quarterly)

Quarterly Revenue

Net Income (Quarterly)

Quarterly Net Income

EPS (Quarterly)

Earnings Per Share

FCF/Share (Quarterly)

Free Cash Flow Per Share

BVPS Growth YoY

(BVPS_current / BVPS_1y_ago) - 1

TBVPS Growth YoY

(TBVPS_current / TBVPS_1y_ago) - 1

💰 Profitability

Profit margins and return on equity

Operating Margin (TTM)

Revenue, Operating Income and Operating Margin

Net Profit Margin (TTM)

Revenue, Net Income and Net Profit Margin

ROE (TTM)

Equity, Net Income and Return on Equity

ROA (TTM)

Assets, Net Income and Return on Assets

ROTCE - Return on Tangible Common Equity (TTM)

Net Income, Tangible Common Equity and ROTCE

💵 Cash Quality

Cash flow quality and conversion metrics

OCF/NI Ratio (TTM)

Operating Cash Flow, Net Income and Ratio

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

Operating Cash Flow, Total Debt and Ratio

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

Operating Cash Flow, Total Assets and Ratio

🛡️ Leverage & Liquidity

Debt, liquidity, and financial health

Debt/Equity (quarterly)

Total Debt, Total Equity and Debt/Equity Ratio

Altman Z-Score

Financial Distress Prediction Model

Debt-to-Assets Ratio (MRQ)

Total Debt, Total Assets and Debt-to-Assets Ratio

Liquidity-to-Assets Ratio (MRQ)

Current Assets, Total Assets and Liquidity-to-Assets Ratio

⚙️ Ops & Cap Efficiency

Asset utilization, working capital, ROIC, and capital efficiency

ROIC (TTM)

NOPAT, Invested Capital and Return on Invested Capital

Asset Turnover (TTM)

Revenue, Total Assets and Turnover Ratio

SG&A/Revenue - SG&A Efficiency (TTM)

SG&A Expenses, Revenue and Ratio

Operating Expense Ratio (TTM)

Operating Expenses, Revenue and Ratio

Cost-to-Income Ratio (TTM)

Operating Expenses, Operating Income and Ratio

Revenue per Employee (Quarterly)

Revenue and Revenue per Employee

🎁 Shareholder Returns

Dividends, share buybacks, dilution, and insider trading activity

Dividend Yield (TTM)

Dividend Per Share, Share Price and Dividend Yield

Buyback Yield (TTM)

Net Buyback and Buyback Yield

TSR - Total Shareholder Return (1Y)

(Price_end + Dividends_TTM) / Price_start - 1

Dividend Growth CAGR (3Y)

(Dividend_end / Dividend_start)^(1/3) - 1

Profit Waterfall Analysis

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Profitability Margins

Operating Income Margini

5.74%

Operating Income = $4.86B

Revenue = $44.88B

Pre-tax Profit Margini

5.74%

Income Before Tax = $4.86B

Revenue = $44.88B

Net Profit Margini

5.58%

Net Income = $3.75B

Revenue = $44.88B

Tax Metrics

Effective Tax Ratei

24.22%

Income Tax Expense = $1.18B

Income Before Tax = $4.86B

Cash Tax Rate (TTM)i

0.00%

Income Taxes Paid = $0.00B

Income Before Tax = $15.58B

Financial Sector PPNR Metrics

PPNRi

N/A

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: N/A | non interest income: N/A | non interest expense: N/A

PPNR Margini

N/A

PPNR = N/A

Revenue = $44.88B

PPNR / Avg Assetsi

N/A

PPNR ROA = PPNR / Avg Total Assets

ppnr: N/A | avg total assets: $1215.16B

Cost Efficiency Metrics

Efficiency Ratioi

N/A

Non-Interest Expense = N/A

Revenue = $44.88B

Cost-to-Incomei

17.35%

Operating Expenses = $7.79B

Revenue = $44.88B

Cost-to-Assetsi

0.64%

Operating Expenses = $7.79B

Avg Total Assets = $1215.16B

Operating Leverage Metrics

Operating JAWSi

297.05%

Revenue Growth = 259.42%

Expense Growth = -37.63%

Operating Margin Expansioni

4.50pp

Current Operating Margin = 10.83%

Prior Operating Margin = 6.32%

Earnings Quality Metrics

Earnings Qualityi

1.79x

Operating Cash Flow = $6.69B

Net Income = $3.75B

Accruals / Avg Assetsi

-0.24%

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $3.75B | operating cash flow: $6.69B | avg total assets: $1215.16B

Volatility Metrics

PPNR Volatilityi

N/A

Core Revenue Volatilityi

N/A

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $118.34B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: N/A | employee count: N/A

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Capital Adequacy

Tangible Common Equity (TCE)i

$89.41B

Tangible Assets (TA)i

$1207.47B

TCE / TA Ratioi

7.40%

✅ Healthy

TCE = $89.41B

TA = $1207.47B

Leverage

Equity / Assets (E/A)i

9.86%

Total Equity = $122.27B

Total Assets = $1240.33B

Assets / Equity (A/E)i

10.14x

Total Assets = $1240.33B

Total Equity = $122.27B

Capital Quality

AOCI / TCEi

64.87%

✅ Healthy

AOCI = $57.99B

TCE = $89.41B

(Goodwill + Intangibles) / Equityi

26.88%

✅ Healthy

GW+Intangibles = $32.87B

Total Equity = $122.27B

Liquidity

Liquidity Buffer (HQLA proxy)i

23.87%

✅ Healthy

Cash+ST Inv = $296.12B

Total Assets = $1240.33B

Funding Structure

Wholesale Funding Ratio (Core)i

16.37%

✅ Healthy

ST+LT Debt = $182.89B

Total Liabilities = $1117.07B

Securities / Assetsi

72.76%

🔴 Risk

ST+LT Inv = $902.51B

Total Assets = $1240.33B

Risk-Adjusted

Risk-Adjusted TCE (ATCE)i

$89.41B

ATCE / TAi

7.40%

TCE ATCE = $89.41B

TA = $1207.47B

ATCE Scissor Spreadi

0 bps

✅ Healthy

TCE/TA = 740.00%

ATCE/TA = 740.00%

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Cash Flow Waterfall Chart

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Inflow

Outflow

Subtotal

Start/End

Cash Generation Capability

Earnings Cash Contenti

-1.19x

TTM Operating Cash Flow = $-13.95B

TTM Net Income = $11.73B

Cash Flow ROA (CFROA)i

-1.12%

TTM Operating Cash Flow = $-13.95B

Average Total Assets = $1240.33B

Liquidity / Solvency

Cash Flow Adequacyi

-1.70x

TTM Operating Cash Flow = $-13.95B

CapEx + 债务偿还 + 分红 CapEx + Debt Repayment + Dividends = $8.18B

OCF / Short-Term Debti

-0.09x

TTM Operating Cash Flow = $-13.95B

Short-Term Debt = $158.57B

Sustainability / Stability

OCF Growth Rate (YoY)i

-76.69%

Current Quarter OCF = $6.69B

Same Quarter Last Year OCF = $28.71B

OCF Volatility (CV)i

7.18x

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📊 Valuation

Key valuation metrics

EV/EBITDA (TTM)

Enterprise Value, EBITDA and Ratio

EV/EBIT (TTM)

Enterprise Value, EBIT and Ratio

P/E Ratio (TTM)

Market Cap, Net Income and Ratio

P/B Ratio (Quarterly)

Market Cap, Book Value and Ratio

P/TBV - Price to Tangible Book Value (Quarterly)

Market Cap, Tangible Book Value and Ratio

Price / OCF (TTM)

Market Cap, Operating Cash Flow and Ratio

📈 Growth

Revenue, earnings, and per-share growth metrics

Revenue (Quarterly)

Quarterly Revenue

Net Income (Quarterly)

Quarterly Net Income

EPS (Quarterly)

Earnings Per Share

FCF/Share (Quarterly)

Free Cash Flow Per Share

BVPS Growth YoY

(BVPS_current / BVPS_1y_ago) - 1

TBVPS Growth YoY

(TBVPS_current / TBVPS_1y_ago) - 1

💰 Profitability

Profit margins and return on equity

Operating Margin (TTM)

Revenue, Operating Income and Operating Margin

Net Profit Margin (TTM)

Revenue, Net Income and Net Profit Margin

ROE (TTM)

Equity, Net Income and Return on Equity

ROA (TTM)

Assets, Net Income and Return on Assets

ROTCE - Return on Tangible Common Equity (TTM)

Net Income, Tangible Common Equity and ROTCE

💵 Cash Quality

Cash flow quality and conversion metrics

OCF/NI Ratio (TTM)

Operating Cash Flow, Net Income and Ratio

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

Operating Cash Flow, Total Debt and Ratio

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

Operating Cash Flow, Total Assets and Ratio

🛡️ Leverage & Liquidity

Debt, liquidity, and financial health

Debt/Equity (quarterly)

Total Debt, Total Equity and Debt/Equity Ratio

Altman Z-Score

Financial Distress Prediction Model

Debt-to-Assets Ratio (MRQ)

Total Debt, Total Assets and Debt-to-Assets Ratio

Liquidity-to-Assets Ratio (MRQ)

Current Assets, Total Assets and Liquidity-to-Assets Ratio

⚙️ Ops & Cap Efficiency

Asset utilization, working capital, ROIC, and capital efficiency

ROIC (TTM)

NOPAT, Invested Capital and Return on Invested Capital

Asset Turnover (TTM)

Revenue, Total Assets and Turnover Ratio

SG&A/Revenue - SG&A Efficiency (TTM)

SG&A Expenses, Revenue and Ratio

Operating Expense Ratio (TTM)

Operating Expenses, Revenue and Ratio

Cost-to-Income Ratio (TTM)

Operating Expenses, Operating Income and Ratio

Revenue per Employee (Quarterly)

Revenue and Revenue per Employee

🎁 Shareholder Returns

Dividends, share buybacks, dilution, and insider trading activity

Dividend Yield (TTM)

Dividend Per Share, Share Price and Dividend Yield

Buyback Yield (TTM)

Net Buyback and Buyback Yield

TSR - Total Shareholder Return (1Y)

(Price_end + Dividends_TTM) / Price_start - 1

Dividend Growth CAGR (3Y)

(Dividend_end / Dividend_start)^(1/3) - 1

Profitability Margins

Operating Income Margini

5.74%

Operating Income = $4.86B

Revenue = $44.88B

Pre-tax Profit Margini

5.74%

Income Before Tax = $4.86B

Revenue = $44.88B

Net Profit Margini

5.58%

Net Income = $3.75B

Revenue = $44.88B

Tax Metrics

Effective Tax Ratei

24.22%

Income Tax Expense = $1.18B

Income Before Tax = $4.86B

Cash Tax Rate (TTM)i

0.00%

Income Taxes Paid = $0.00B

Income Before Tax = $15.58B

Financial Sector PPNR Metrics

PPNRi

N/A

PPNR = Net Interest Income + Non-Interest Income - Non-Interest Expense

net interest income: N/A | non interest income: N/A | non interest expense: N/A

PPNR Margini

N/A

PPNR = N/A

Revenue = $44.88B

PPNR / Avg Assetsi

N/A

PPNR ROA = PPNR / Avg Total Assets

ppnr: N/A | avg total assets: $1215.16B

Cost Efficiency Metrics

Efficiency Ratioi

N/A

Non-Interest Expense = N/A

Revenue = $44.88B

Cost-to-Incomei

17.35%

Operating Expenses = $7.79B

Revenue = $44.88B

Cost-to-Assetsi

0.64%

Operating Expenses = $7.79B

Avg Total Assets = $1215.16B

Operating Leverage Metrics

Operating JAWSi

297.05%

Revenue Growth = 259.42%

Expense Growth = -37.63%

Operating Margin Expansioni

4.50pp

Current Operating Margin = 10.83%

Prior Operating Margin = 6.32%

Earnings Quality Metrics

Earnings Qualityi

1.79x

Operating Cash Flow = $6.69B

Net Income = $3.75B

Accruals / Avg Assetsi

-0.24%

Accruals / Avg Assets = (Net Income - OCF) / Avg Total Assets

net income: $3.75B | operating cash flow: $6.69B | avg total assets: $1215.16B

Volatility Metrics

PPNR Volatilityi

N/A

Core Revenue Volatilityi

N/A

Employee Productivity Metrics

Revenue per Employeei

N/A

Revenue per Employee = Revenue (TTM) / Employee Count

revenue TTM: $118.34B | employee count: N/A

OpEx per Employeei

N/A

OpEx per Employee = Operating Expenses (TTM) / Employee Count

operating expenses TTM: N/A | employee count: N/A

Capital Adequacy

Tangible Common Equity (TCE)i

$89.41B

Tangible Assets (TA)i

$1207.47B

TCE / TA Ratioi

7.40%

✅ Healthy

TCE = $89.41B

TA = $1207.47B

Leverage

Equity / Assets (E/A)i

9.86%

Total Equity = $122.27B

Total Assets = $1240.33B

Assets / Equity (A/E)i

10.14x

Total Assets = $1240.33B

Total Equity = $122.27B

Capital Quality

AOCI / TCEi

64.87%

✅ Healthy

AOCI = $57.99B

TCE = $89.41B

(Goodwill + Intangibles) / Equityi

26.88%

✅ Healthy

GW+Intangibles = $32.87B

Total Equity = $122.27B

Liquidity

Liquidity Buffer (HQLA proxy)i

23.87%

✅ Healthy

Cash+ST Inv = $296.12B

Total Assets = $1240.33B

Funding Structure

Wholesale Funding Ratio (Core)i

16.37%

✅ Healthy

ST+LT Debt = $182.89B

Total Liabilities = $1117.07B

Securities / Assetsi

72.76%

🔴 Risk

ST+LT Inv = $902.51B

Total Assets = $1240.33B

Risk-Adjusted

Risk-Adjusted TCE (ATCE)i

$89.41B

ATCE / TAi

7.40%

TCE ATCE = $89.41B

TA = $1207.47B

ATCE Scissor Spreadi

0 bps

✅ Healthy

TCE/TA = 740.00%

ATCE/TA = 740.00%

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Banco Santander (Brasil) S.A.

🔍 Business Model Analysis (DuPont Model)

Financial Metrics

📊 Valuation

EV/EBITDA (TTM)

EV/EBIT (TTM)

P/E Ratio (TTM)

P/B Ratio (Quarterly)

P/TBV - Price to Tangible Book Value (Quarterly)

Price / OCF (TTM)

📈 Growth

Revenue (Quarterly)

Net Income (Quarterly)

EPS (Quarterly)

FCF/Share (Quarterly)

BVPS Growth YoY

TBVPS Growth YoY

💰 Profitability

Operating Margin (TTM)

Net Profit Margin (TTM)

ROE (TTM)

ROA (TTM)

ROTCE - Return on Tangible Common Equity (TTM)

💵 Cash Quality

OCF/NI Ratio (TTM)

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

🛡️ Leverage & Liquidity

Debt/Equity (quarterly)

Altman Z-Score

Debt-to-Assets Ratio (MRQ)

Liquidity-to-Assets Ratio (MRQ)

⚙️ Ops & Cap Efficiency

ROIC (TTM)

Asset Turnover (TTM)

SG&A/Revenue - SG&A Efficiency (TTM)

Operating Expense Ratio (TTM)

Cost-to-Income Ratio (TTM)

Revenue per Employee (Quarterly)

🎁 Shareholder Returns

Dividend Yield (TTM)

Buyback Yield (TTM)

TSR - Total Shareholder Return (1Y)

Dividend Growth CAGR (3Y)

Income Statement Analysis

Profit Waterfall Analysis

Balance Sheet Analysis

Cash Flow Statement Analysis

📊 Valuation

EV/EBITDA (TTM)

EV/EBIT (TTM)

P/E Ratio (TTM)

P/B Ratio (Quarterly)

P/TBV - Price to Tangible Book Value (Quarterly)

Price / OCF (TTM)

📈 Growth

Revenue (Quarterly)

Net Income (Quarterly)

EPS (Quarterly)

FCF/Share (Quarterly)

BVPS Growth YoY

TBVPS Growth YoY

💰 Profitability

Operating Margin (TTM)

Net Profit Margin (TTM)

ROE (TTM)

ROA (TTM)

ROTCE - Return on Tangible Common Equity (TTM)

💵 Cash Quality

OCF/NI Ratio (TTM)

OCF-to-Debt - Operating Cash Flow to Debt Ratio (TTM)

OCF-to-Assets - Operating Cash Flow to Assets Ratio (TTM)

🛡️ Leverage & Liquidity

Debt/Equity (quarterly)

Altman Z-Score

Debt-to-Assets Ratio (MRQ)

Liquidity-to-Assets Ratio (MRQ)

⚙️ Ops & Cap Efficiency

ROIC (TTM)