Obermatt

Banco Santander Brasil

SAO:SANB3 · BRSANBACNOR8
BanksMedium

360

42
Profit price90
Cash yield97
Price/Sales93
EV / Gross Profit42
Price/Book89
Returns on capital11
Profit margins
Cash Conversion75
Accruals97
Owner Earnings Margin21
Sales growth51
Profit Growth90
Long-Term EPS Growth50
Owner Earnings Growth60
Reinvestment91
Price momentum16
Debt load15
Debt serviceability56
Liquidity6
Analyst ratings23
Opinion Changes50
Price Target Upside93
Market mood16
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Banco Santander Brasil clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountrySpain
IndustryBanks
SizeMedium
TypePublic Company
ExchangeBOVESPA
Founded1985
Employees24,456
ISINBRSANBACNOR8
Last UpdateApr 2, 2026
Themes
CreditFinanceFinancial ServicesInsurance

Description

Banco Santander (Brasil) S.A. (Santander Brasil) operates as a privately owned bank in Brazil, and an international bank that operates countrywide. The company operates in both retail and wholesale segments with high-added value offers, which allows…

Analysis

Bargain bin

Banco Santander (Brasil) S.A. falls in the bargain bin: the price is low relative to peers, but the business metrics give reason to pause.

The price is attractive. You pay 8.6× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly -5% yearly growth; analysts expect 9%. The price, in other words, assumes less than the experts do.

The trajectory is moderate and the balance sheet is fragile. The company scores 10/20 on our value-creation score: creating some value.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
39
2026

All-time high

39

Jun 2026

All-time low

12

Mar 2026

Average rank

26

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
93
Price/Earnings
76
Price/Book
89
Dividend Yield
97
Value (overall)
98

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →