Banco Santander (Brasil) S.A. logo

Banco Santander (Brasil) S.A.

BSBR

NYSEFinancial ServicesBanks - Regional

Previous close

$5.74

+$0.17 · +3.05%

Aug 21, 4:00 PM ET

Pre-market

$5.73

−$0.01 · -0.17%

Aug 24, 4:56 AM ET

BSBR company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

92

Deep Value

Momentum

50

Neutral

Sentiment

51

Mixed

Risk resilience

66

Moderate Risk

Full GoAI research

Thesis, catalysts, evidence, and risk analysis.

View full GoAI research

AI-generated, informational only, and not investment advice.

Company profile

Company website

Banco Santander (Brasil) S.A., together with its affiliated entities, operates as a prominent financial institution delivering an extensive array of banking and financial services. Its diverse client base includes individuals, small and medium-sized enterprises (SMEs), and large corporate customers, both within Brazil and internationally. The company's operations are strategically divided into two primary segments: Commercial Banking and Global Wholesale Banking. Its core offerings encompass deposit accounts and various bank funding instruments, alongside a broad spectrum of payment solutions such as debit and credit cards, digital prepaid services, a robust payment platform, and loyalty programs. Santander Brasil also facilitates employee benefit vouchers, payroll loans, digital lending, and online debt renegotiation services. In the area of secured lending, it provides mortgages and home equity financing products, complementing general consumer credit options. For its business clients, the bank extends local and commercial loans, trade finance, guarantees, and sophisticated structured loans, in addition to comprehensive cash management and funding solutions, including on-lending transfer services. The institution's expertise also covers financial advisory for projects, the origination and distribution of fixed-income securities in debt capital markets, financing for acquisitions, syndicated loans, and other complex structured financing arrangements, including subordinated debt and initiatives focused on energy efficiency. Furthermore, it offers advisory services for mergers and acquisitions (M&A) and equity capital market (ECM) transactions, supported by stock brokerage, equity advisory, and in-depth equity research. Santander Brasil is also active in structuring and providing foreign exchange (FX), derivative, and diverse investment products tailored for institutional, corporate, and retail investors, alongside offering vital market-making services. The bank continues to innovate by delivering instant payment solutions, a specialized suite of products and services for the agribusiness sector, and microfinance services. Its digital footprint extends to online automotive listing platforms, digital car insurance solutions, and a sophisticated digital trading platform. Customers can access these financial products and services through an extensive multi-channel distribution network, which includes traditional branches, mini-branches, ATMs, call centers, and comprehensive internet and mobile banking platforms. Banco Santander (Brasil) S.A. was founded in 1985 and has its principal headquarters situated in São Paulo, Brazil.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
BR
CEO
Gilson Finkelsztain
Listed since
Oct 7, 2009
Employees
49,661

Market position

Day range

Current $5.74

52-week range

Current $5.74

Open
$5.71
Previous close
$5.57
Volume
3.11M
1.45× average
Average volume
2.15M
Average daily volume
Market cap
42.98B USD
Beta
0.18
Market reference 1
50-day average
$5.4222
+5.86% above average
200-day average
$5.9406
-3.38% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
30.15×
P/B (TTM)
1.73×
P/S (TTM)
1.13×
Dividend yield
7.81%

Profitability & efficiency

Gross margin
37.57%
Operating margin
19.55%
Net margin
9.89%

Financial health

Debt / equity
1.17×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends67%46%24%2%Gross margin, FY2021: 61.71%Gross margin, FY2022: 37.84%Gross margin, FY2023: 29.28%Gross margin, FY2024: 34.04%Gross margin, FY2025: 27.52%Operating margin, FY2021: 32.85%Operating margin, FY2022: 17.65%Operating margin, FY2023: 9.82%Operating margin, FY2024: 14.87%Operating margin, FY2025: 11.04%Net margin, FY2021: 20.61%Net margin, FY2022: 12.88%Net margin, FY2023: 7.79%Net margin, FY2024: 10.36%Net margin, FY2025: 8.42%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 61.71%. Gross margin FY2022 37.84%. Gross margin FY2023 29.28%. Gross margin FY2024 34.04%. Gross margin FY2025 27.52%. Operating margin FY2021 32.85%. Operating margin FY2022 17.65%. Operating margin FY2023 9.82%. Operating margin FY2024 14.87%. Operating margin FY2025 11.04%. Net margin FY2021 20.61%. Net margin FY2022 12.88%. Net margin FY2023 7.79%. Net margin FY2024 10.36%. Net margin FY2025 8.42%.

Income trends

Revenue

151.54B USD+17.45%

Operating income

16.73B USD-12.83%

Net income

12.77B USD-4.49%
Income trends across reported periods165.75B USD108.91B USD52.08B USD−4.76B USDRevenue, FY2021: 75.34B USDRevenue, FY2022: 110.9B USDRevenue, FY2023: 121.36B USDRevenue, FY2024: 129.02B USDRevenue, FY2025: 151.54B USDOperating income, FY2021: 24.75B USDOperating income, FY2022: 19.57B USDOperating income, FY2023: 11.92B USDOperating income, FY2024: 19.19B USDOperating income, FY2025: 16.73B USDNet income, FY2021: 15.53B USDNet income, FY2022: 14.29B USDNet income, FY2023: 9.45B USDNet income, FY2024: 13.37B USDNet income, FY2025: 12.77B USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 75.34B USD. Revenue FY2022 110.9B USD. Revenue FY2023 121.36B USD. Revenue FY2024 129.02B USD. Revenue FY2025 151.54B USD. Operating income FY2021 24.75B USD. Operating income FY2022 19.57B USD. Operating income FY2023 11.92B USD. Operating income FY2024 19.19B USD. Operating income FY2025 16.73B USD. Net income FY2021 15.53B USD. Net income FY2022 14.29B USD. Net income FY2023 9.45B USD. Net income FY2024 13.37B USD. Net income FY2025 12.77B USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue151.54B USD129.02B USD121.36B USD110.9B USD75.34B USD
Cost of goods sold109.84B USD85.1B USD85.82B USD68.94B USD28.85B USD
Gross profit41.7B USD43.92B USD35.54B USD41.96B USD46.5B USD
Selling, general, and administrative19.37B USD18.87B USD18.07B USD16.78B USD15.76B USD
Operating expenses24.97B USD24.73B USD23.62B USD22.38B USD21.74B USD
Interest income162.49B USD137.18B USD128.28B USD115.23B USD77.99B USD
Interest expense104.86B USD80.5B USD81.4B USD67.72B USD26.67B USD
Depreciation and amortization2.63B USD2.73B USD2.74B USD2.59B USD2.43B USD
Operating income16.73B USD19.19B USD11.92B USD19.57B USD24.75B USD
Net income12.77B USD13.37B USD9.45B USD14.29B USD15.53B USD

Company facts updated Aug 24, 2026.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

11 ratings
Strong buy00%
Buy436%
Hold327%
Sell436%
Strong sell00%

Recent analyst actions

2 institutions
UBSupgradeNeutralBuy

BSBR peers

ETFs holding BSBR

Funds reporting this stock among their holdings, ordered by reported position size.

Continue in GoAI

Research BSBR

research.disclaimer