Banco Santander (Brasil) S.A. ADR
Banco Santander (Brasil) S.A. ADR is the American Depositary Receipt of Banco Santander (Brasil) S.A., a major Brazilian banking institution and part of the Santander Group. Banco Santander (Brasil) S.A. provides a broad range of banking and financial services to individuals, small and medium-sized businesses, and corporate clients across Brazil. Its offerings include commercial banking, consumer lending, credit cards, mortgages, payroll-related services, agribusiness financing, and wholesale banking solutions. The company also serves customers through digital channels, branch networks, and other distribution platforms designed to support everyday banking and more specialized financial needs. As a diversified financial services provider, Banco Santander (Brasil) S.A. plays an important role in Brazil’s banking system by connecting retail, commercial, and corporate clients with deposit, lending, payment, and financing products.
$5.58
-$0.01 (-0.18%)
EOD Oct 16, 2026
27.77% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue declined 3.8% YoY. For a bank, this often signals contracting loan book or reduced fee income.
At 15x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
15.2x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Price History
Valuation & Multiples
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
BRL 49.50B
▼ -3.8% YoY
Net Income (TTM)
BRL 14.07B
▼ -3.3% YoY
Net Margin
28.42%
P/E
15.2x
Balance Sheet
Total Assets
BRL 1.27T
Equity
BRL 126.55B
Total Debt
BRL 28.11B
Cash & Equiv.
BRL 271.43B
3Y CAGR: +2.6%
Continue Research
Is Banco Santander (Brasil) S.A. ADR (BSBR) overvalued?
At a P/E of 15.2 and a price-to-free-cash-flow of 158.3, Banco Santander (Brasil) S.A. ADR (BSBR) trades below a two-stage DCF intrinsic value of about BRL 35.59 per share, so at BRL 5.58 the stock looks undervalued (537.8% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Banco Santander (Brasil) S.A. ADR scores 67/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 0.7%; see dividend safety for coverage and history. All figures are computed from company filings; read the full methodology, or see how the market compares in our US profitability statistics. This is analysis, not investment advice.
Frequently asked
What is Banco Santander (Brasil) S.A. ADR's fair value?+
Intrinsiqq's two-stage DCF estimates an intrinsic value of about BRL 35.59 per share for BSBR, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around BRL 26.69. At today's BRL 5.58, that puts the stock about 537.8% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Is Banco Santander (Brasil) S.A. ADR a high-quality business?+
Banco Santander (Brasil) S.A. ADR scores 67 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from company filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Does Banco Santander (Brasil) S.A. ADR (BSBR) pay a dividend, and how much?+
Yes, Banco Santander (Brasil) S.A. ADR pays a regular dividend of about BRL 0.20 per share per year (typically in quarterly installments), a yield of roughly 0.7% at the current price. That is a payout ratio of about 10.7% of earnings, so the dividend is amply covered by earnings. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For BSBR's full payout history, growth streak and dividend-safety score, see the dividends tab.
Is Banco Santander (Brasil) S.A. ADR a good stock to buy right now?+
That depends on valuation and quality together, not either alone. BSBR currently trades below its estimated intrinsic value and scores 67/100 on quality (solid). It also yields about 0.7%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from company filings, not investment advice.
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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.